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Best American Express credit cards

American Express provides strong offers for rewards, cash back and travel cards

Updated . What changed?

Fact checked

The best American Express credit cards offer at least one standout feature that makes the card perfect for a particular user. To help you choose the right one for your financial situation, Finder’s credit card experts spent hundreds of hours comparing American Express cards against one another in several categories commonly found across competing card companies.

What are the best American Express credit cards?

Best for simple cash back
Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express logo
Finder Rating: 4.6 / 5

★★★★★

Credit recommended (670-850)
Apply now
on American Express's secure site
Rates & fees

670
Min. credit score
$0
Annual fee
Up to 3%
Cash back
$200
Welcome offer
The Blue Cash Everyday® Card from American Express is a simple and to-the-point card that offers accelerated rewards on everyday purchases like groceries, gas and department stores. While a bit less powerful than the Blue Cash Preferred, this is balanced out by the card's lack of annual fee.
  • Welcome offer. Earn $200 after spending $1,000 in your first 3 months of account opening.
  • Rewards. Earn 3% back on groceries on up to $6,000 in spending each year, reverting to 1% after. Earn 2% back on gas and select grocery stores and 1% back on everything else.
  • Intro APR. Enjoy a 0% intro APR on purchases for 15 months, reverting to 13.99% to 23.99% variable.
  • Cap on highest earning category. Depending on your spending, you might hit the groceries cap of $6,000 rather quickly.
Annual Fee $0
Purchase APR 0% intro for the first 15 months (then 13.99% to 23.99% variable)
Balance transfer APR N/A
Welcome offer $200 after spending $1,000 in the first 3 months
Rewards 2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
Terms apply to American Express benefits and offers.

Best for cashback rewards
Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express logo
Finder Rating: 4.3 / 5

★★★★★

Credit recommended (670-850)
Apply now
on American Express's secure site
Rates & fees

670
Min. credit score
$95 ongoing
Annual fee
Up to 6%
Cash back
$300
Welcome offer
The American Express Blue Cash Preferred® Card from American Express may be best for families. It comes with a $95 annual fee, but the card can pay for itself with excellent cashback potential.
  • Welcome offer. Get $300 cash back after you spend $3,000 on purchases in the first 6 months your account is open.
  • Intro APR. Take advantage of a 0% intro APR for 12 months on purchases, reverting to 13.99% to 23.99% variable.
  • Solid cashback categories. Earn rewards at US supermarkets, US gas stations, on transit - places you're likely to frequent in your day-to-day. Common everyday categories can make it easier to build up rewards quickly.
  • Annual fee. This card costs $95 annually.
  • Foreign transaction fees. Using this card abroad or online with foreign merchants will cost you 2.7% of the amount you spend.
Annual Fee $0 intro annual fee for the first year ($95 thereafter)
Purchase APR 0% intro for the first 12 months (then 13.99% to 23.99% variable)
Balance transfer APR N/A
Welcome offer $300 after spending $3,000 in the first 6 months
Rewards 6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
Terms apply to American Express benefits and offers.

Best for travel and everyday rewards
American Express® Gold Card

American Express® Gold Card logo
Finder Rating: 4.6 / 5

★★★★★

Credit recommended (670-850)
Apply now
on American Express's secure site
Rates & fees

670
Min. credit score
$250
Annual fee
60,000
Points welcome offer
Up to 4x
Points
The American Express® Gold Card offers 3x points on airfare when you book directly and 4x points at restaurants, including takeout and delivery, such as Uber Eats. At US supermarkets, earn 4x points on up to $25,000 per calendar year on purchases, then 1x. This gives you a broad base of spending from which to collect valuable Membership Rewards points.
  • Welcome offer. Get 60,000 bonus points after you spend $4,000 on purchases in the first 6 months your account is open.
  • Dining credits. Get up to $120 dining credits and up to $120 Uber cash credits in increments of $10 each month.
  • Great point earnings. Earn 3x points on flights you book directly with airlines or through American Express Travel and 4x points at restaurants, including takeout and delivery. At US supermarkets, earn 4x points on up to $25,000 per calendar year on purchases, then 1x. Earn 1x points on all other eligible purchases.
  • Annual fee. You'll pay $250 each year for the card.
  • Not a standard credit card. Most credit cards let you carry your balance on all purchases by paying interest. This card, however, lets you carry your balance on some purchases, but not all.
Annual fee $250
Purchase APR See Pay Over Time APR
Foreign transaction fee None
Welcome offer 60,000 points after spending $4,000 in the first 6 months
Rewards 4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points) and 3x points on directly-booked flights
Terms apply to American Express benefits and offers.

Best for airline rewards
Delta SkyMiles® Platinum American Express Card

Delta SkyMiles® Platinum American Express Card logo
Finder Rating: 4 / 5

★★★★★

Credit recommended (670-850)
Apply now
on American Express's secure site
Rates & fees

670
Min. credit score
$250
Annual fee
90,000
Miles welcome offer
Up to 3x
Miles
The midtier choice — the Delta SkyMiles® Platinum American Express Card — is a standout option. It offers a domestic main cabin round-trip companion certificate that the Delta SkyMiles® Gold American Express Card doesn't bring to the table. And it's half the price of the Delta SkyMiles® Reserve American Express Card, with a $250 annual fee.
  • Welcome offer. Until April 28, 2021, after you spend $3,000 on purchases in the first 3 months your account is open, you'll get 90,000 miles.
  • Mile earnings. Earn 3x miles on eligible Delta purchases and purchases made directly with hotels. Earn 2x at restaurants and supermarkets and 1x miles on all other purchases.
  • Invite a guest to fly. Each year you renew your Delta SkyMiles® Platinum American Express Card, you receive a domestic main cabin round-trip companion certificate. This allows you to take a guest along on a round-trip domestic flight for only the price of the taxes and fees.
  • Annual fee. Expect to pay $250 annually for the card.
  • Companion certificate fees. To use the companion certificate, you'll have to pay taxes and fees of up to $75.
Annual fee $250
Purchase APR 15.74% to 24.74% variable
Foreign transaction fee None
Welcome offer 90,000 bonus miles after spending $3,000 in the first 3 months
Rewards 3x miles on Delta and direct hotel purchases, 2x miles at restaurants and US supermarkets and 1x miles for all other purchases
Terms apply to American Express benefits and offers.

Best card for premium travel
The Platinum Card® from American Express

The Platinum Card® from American Express logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Apply now
on American Express's secure site
Rates & fees

670
Min. credit score
$550
Annual fee
Up to 10x
Points
75,000
Points welcome offer
The Platinum Card® from American Express is the premium traveler's best friend. Aside from earning a generous amount of reward points on purchases and as a welcome offer, you get to enjoy perks like access to the Centurion Lounge, VIP status with Uber, Platinum travel counselors service and privileges at certain hotel brands.
  • Welcome offer. Earn 75,000 bonus points after you spend $5,000 in the first 6 months of card membership. Also earn 10x points at US gas stations and supermarkets, up to $15,000 within your first 6 months of account opening.
  • Membership reward points. Earn x points on flights booked directly with airlines or via the Amex travel portal. Earn 5x points on prepaid hotels booked through Amex travel, and 1x points on all other purchases. Starting January 1, 2021, however, your 5x points on flights will be capped on up to $500,000 annually, reverting to 1x points after that.
  • Statement credits. Get $200 in airline fee credit every year, up to $100 in TSA PreCheck or Global Entry fee credit, up to $200 in Uber rides each year and more.
  • Annual fee. With premium benefits comes a premium annual fee. You'll pay $550 each year for the card.
Annual Fee $550
Purchase APR See Pay Over Time APR
Balance transfer APR N/A
Welcome offer 75,000 points after spending $5,000 in your first 6 months, plus 10x points at US gas stations and US supermarkets on up to $15,000 in combined purchases in the same timeframe
Rewards 10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other purchases
Terms apply to American Express benefits and offers.

Best for hotel rewards
Hilton Honors American Express Card

Hilton Honors American Express Card logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Apply now
on American Express's secure site
Rates & fees

670
Min. credit score
$0
Annual fee
100,000
Points welcome offer
Up to 7x
Points
With the Hilton Honors American Express Card you get generous point earnings outside of hotel spending: 5x at US restaurants, US supermarkets and US gas stations and 3x on all other eligible purchases. If you consistently stay at Hilton, you're rewarded with an exceptional 7x point multiple on Hilton purchases.
  • $0 annual fee. You won't pay a dime in annual fees to keep this card open.
  • Welcome offer. Earn 100,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Plus earn a $100 statement credit when you make a purchase during this time frame.
  • Point earnings. You'll earn a minimum 3x points on eligible purchases. Hilton properties and US restaurants, US supermarkets and US gas stations earn even more.
  • No intro APR period. You don't get a 0% intro APR period on purchases or balance transfers.
  • Penalty APR. A missed or returned payment could cause Amex to impose a penalty APR of up to 29.24% variable.
Annual fee $0
Purchase APR 15.74% to 24.74% variable
Foreign transaction fee None
Welcome offer 100,000 points after spending $1,000 in the first 3 months, plus $100 after your first purchase in the first 3 months
Rewards 7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
Terms apply to American Express benefits and offers.

Best for small businesses
American Express Blue Business Cash™ Card

American Express Blue Business Cash™ Card logo
Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$0
Annual fee
Up to 2%
Cash back
n/a
Welcome offer
The American Express Blue Business Cash™ Card is hard to beat when it comes to small business credit cards. Putting it above similar cards is a $0 annual fee, a 0% intro APR period of 12 months on purchases (then 13.24% to 19.24% variable), and a credit limit that offers wiggle room.
  • Introductory APR. For the first 12 months your account is open, get a 0% intro APR on purchases. Your APR increases to 13.24% to 19.24% variable after the intro period ends.
  • Solid cashback rewards. On all eligible purchases, earn 2% cash back on up to $50,000 each calendar year, then 1%.
  • Push the limit. You can spend over your credit limit in select cases as long as you pay off the excess balance in full as part of your minimum payment. The amount you can go over depends on factors such as your payment history, credit score and current income.
  • Foreign transaction fees. You'll pay a 2.7% fee of the amount of each transaction made abroad or online with foreign merchants.
Annual Fee $0
Purchase APR 0% intro for the first 12 months (then 13.24% to 19.24% variable)
Balance transfer APR N/A
Welcome offer N/A
Rewards Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.

Best for day-to-day travel
American Express® Green Card

American Express® Green Card logo
Finder Rating: 3.9 / 5

★★★★★

Credit recommended (680-850)
Read review
Rates & fees

680
Min. credit score
$150
Annual fee
Up to 3x
Points
30,000
Points welcome offer
The American Express® Green Card features up to 3x points back on transit, a relatively rare category you don't see on many travel cards. Coupled with rewards on dining and travel, this makes for a great card for someone always on the move.
  • Welcome offer. Earn 20% back on groceries on up to $200 in spending during your first six months of account opening. You can also earn 30,000 points after spending $2,000 in your first 3 months of account opening.
  • Rewards. Earn 3x points on transit, travel and restaurant purchases. Earn 1x points on everything else.
  • Travel coverage. This card comes with several travel insurance options, including trip delay insurance and car loss or damage coverage.
  • Annual fee. This card costs $150 annually.
Annual Fee $150
Purchase APR See Pay Over Time APR
Balance transfer APR
Welcome offer 30,000 points after spending $2,000 in the first 3 months
Rewards 3x Membership Rewards® points on all eligible travel, 3x points at restaurants and 1x points on all other purchases
Please note: All information about American Express® Green Card has been collected independently by Finder and this card is not available through this site.

Best for luxury hotel perks
Hilton Honors™ Aspire Card

Hilton Honors™ Aspire Card logo
Credit recommended (680-850)
Read review
Rates & fees

680
Min. credit score
$450
Annual fee
Up to 14x
Points
150,000
Points welcome offer
If Hilton Hotels are a mainstay of your travel expenses, the Hilton Honors™ Aspire Card has the premier perks to make your stays even more comfortable and earn you some extra value.
  • Welcome offer. Spend $4,000 on purchases within your first 3 months of card membership and earn 150,000 bonus points.
  • Earn Hilton Honors points. Earn 14x bonus points at Hilton hotels and resorts. You also earn x points on flights booked at the American Express Travel site, on car rentals from select companies and at US restaurants. On all other purchases, earn 3x points.
  • Numerous perks. Enjoy complimentary Diamond status, $250 in Hilton resort statement credits, an annual Weekend Night Award, and more.
  • Annual fee. This card is pricey at $450 annually.
Annual Fee $450
Purchase APR 15.74% to 24.74% variable
Balance transfer APR N/A
Welcome offer 150,000 points after spending $4,000 in the first 3 months
Rewards 14x points on Hilton, 7x on flights, car rentals and US restaurants and 3x points on all other purchases
Please note: All information about Hilton Honors™ Aspire Card has been collected independently by Finder and this card is no longer available through this site.

Best for regular business travelers
The Business Platinum Card® from American Express

The Business Platinum Card® from American Express logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$595
Annual fee
Up to 5x
Points
85,000
Points welcome offer
The Business Platinum Card® from American Express is the business equivalent of the consumer Platinum card, offering a similar level of luxury travel perks. The increased rewards and perks, however, are aimed at much higher levels of spending
  • Welcome offer. Earn 85,000 points after spending $15,000 in your first 3 months of account opening.
  • Earn rewards. Earn 5x points on travel booked directly with airlines and through the Amex travel portal. You'll earn x points on all other purchases. Spend $5,000 on a single eligible purchase, you'll get 1.5 membership rewards points for every dollar on up to 1 million additional points per year.
  • Travel perks. Enjoy lounge access, including complimentary access to Centurion Lounges. Other perks include a $200 travel statement credit, Hilton Honors and Marriott Bonvoy status upgrades, and more.
  • Annual fee. This card is one of the most expensive Amex cards at $595 annually.
  • No intro APR. Despite the high cost, you won't find an intro APR on this card.
Annual Fee $595
Purchase APR
Balance transfer APR
Welcome offer 85,000 points after spending $15,000 in the first 3 months
Rewards 5x points on flights and prepaid hotels through Amex Travel, 1.5x points if you spend $5,000 on a single eligible purchase on up to 1 million additional points per year and 1x points on all other purchases

What’s changed in 2021?

We added Delta SkyMiles® Platinum American Express Card to our list this year as it provides a sweet spot of price versus features. While the Amex Gold Card remains the number one travel offer, the Delta Platinum is the perfect runner up and potentially a better choice for Delta fans.

The SimplyCash® Plus Business Credit Card from American Express is now the American Express Blue Business Cash™ Card, with flat-rate cash back and an intro APR on purchases.

Compare American Express credit cards

Use our table to sort Amex cards by name, intro APR, annual fee and more. Check the Compare box under up to four cards you’re interested in. Then click the orange Compare button to see a side-by-side comparison of fees, requirements and features. To learn more about a specific card, click Read the full review.

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.99% to 23.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Terms apply, see rates & fees
Blue Cash Everyday® Card from American Express
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
This everyday cashback card offers a higher than average welcome offer for no annual fee, letting you earn $200 after you spend $1,000 in the first 3 months. Terms apply, see rates & fees
American Express® Gold Card
4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points) and 3x points on directly-booked flights
See Pay Over Time APR
$250
Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 with this upper-mid tier travel card. Terms apply, see rates & fees
The Platinum Card® from American Express
10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other purchases
See Pay Over Time APR
$550
One of the most valuable premium travel cards, featuring two welcome offers worth up to $4,500, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees
Marriott Bonvoy Brilliant™ American Express® Card
6x points at Marriott Bonvoy hotels, 3x at US restaurants and on flights booked directly with airlines and 2x for all other purchases
15.74% to 24.74% variable
$450
Earn 75,000 bonus points when you spend $3,000 or more within your first 3 months. Terms apply, see rates & fees
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Compare up to 4 providers

How to apply for an American Express card

  1. Visit the American Express website and browse through the issuer’s list of credit cards. At this time, Amex separates its personal and business cards on different pages.
  2. Click on a credit card listing.
  3. Review the details of the card.
  4. When you’re ready to move forward with the card, click Apply now.
  5. Complete the application with information such as your full name, email address, date of birth, Social Security number and total annual income. For a business credit card, enter additional information such as your legal business name, years in business, annual business revenue and federal tax ID.
  6. Review your information and submit your application.

Application restrictions

According to customer reports, Amex allows up to two card applications per day. Issuers typically don’t want to see you applying for cards rapid-fire, and Amex is no exception. Consider keeping your credit card applications at three or fewer within 90 days.

How many American Express cards can I have?

According to many customer reports, Amex limits members to five open cards at once. Personal and business cards count toward this number.

There is an exception: cards such as The Platinum Card® from American Express and American Express® Gold Card don’t count toward this limit.

Five Amex cards isn’t a hard-and-fast rule — some customers have reported having six or more cards. However, it’s a good guideline.

How do I choose the best American Express credit card?

Because of the wide range of credit cards offered by American Express, choosing the right one may seem difficult. To this end, here’s what to consider:

  • Annual fee. American Express cards’ annual fees range from $0 to $550. The higher the annual fee, the better perks you get. But this doesn’t mean the no-annual-fee cards aren’t any good. You can get a 0% intro APR period, rewards on your purchases and other benefits even with cards with a $0 annual fee.
  • Rewards. American Express offers the famous Membership rewards program. Within this program, you can redeem your points for a variety of rewards including travel, gift cards and cash back. You can also get a card that only earns cash back, or you can consider a cobranded hotel or airline card where you earn and redeem rewards within the program.
  • Intro APR period. A 0% intro APR period on purchases is a perk typically found in Amex’s cashback cards and other cards with a $0 annual fee. This perk is useful in paying off large purchases over time.
  • Welcome offer. One way to boost your rewards is to earn the welcome offer. Keep in mind, the higher the card’s annual fee, the higher the welcome offer.

Types of American Express cards

American Express has a large stable of credit cards, including some of the best travel and business products on the market. While its cashback selection is narrow, you’ll find cards with attractive rewards.

Cashback

Amex offers just three cashback cards, but all of them are excellent picks. Consider the American Express Cash Magnet® Card if you want simple, flat-rate cash back on all spending. Look into the Blue Cash products if you want tiered cash back on everyday purchases.

Typical benefits
  • Relatively low annual fees. Two of Amex’s cashback cards have no annual fees. The Blue Cash Preferred® Card from American Express has a $95 annual fee starting the second year.
  • Cash back on everyday purchases. The American Express Cash Magnet® Card offers flat-rate cash back on all purchases. Meanwhile, the Blue Cash products offer good cash back at US supermarkets and US gas stations.
  • Light welcome-offer requirements. Score a solid haul of cash back early on by meeting a relatively low spending requirement within the welcome offer timeframe.
  • Decent intro APRs. With all of Amex’s cashback cards, you’ll find decent intro APRs on purchases.
American Express cashback cards
  • American Express Cash Magnet® Card
  • Blue Cash Everyday® Card from American Express
  • Blue Cash Preferred® Card from American Express

Balance transfer and 0% intro APR

Amex doesn’t offer powerhouse 0% intro APR cards, but you’ll find decent promotional interest rates on attractive rewards products.

Typical benefits
  • Decent intro APR length. You’ll find intro APRs of 12 to 15 months.
  • Intro APRs on purchases. On cards that have this benefit, you’ll get 0% intro APRs on purchases during the intro period.
  • Everyday rewards. All of Amex’s intro APR cards have good rewards on everyday purchases. Most of them offer bonus rewards at US supermarkets and US gas stations.
  • Relatively low annual fees. The highest annual fee you’ll find is $95.
  • Light welcome-offer requirements. You typically don’t have to spend too much to qualify for the welcome offer.
American Express 0% intro APR cards
  • American Express Cash Magnet® Card
  • Blue Cash Everyday® Card from American Express
  • Blue Cash Preferred® Card from American Express
  • Amex EveryDay® Credit Card
  • Amex EveryDay® Preferred Credit Card

Travel/Membership Rewards points

Pick one of Amex’s first-party travel cards if you want to earn Membership Rewards points. These points are especially valuable if you want to transfer them to select airline and hotel partners.

Typical benefits
  • Membership Rewards points. You can redeem these for a variety of options, including gift cards, merchandise, purchases at some major retailers, travel and more. You’ll find the highest value, however, by transferring your points to airline and hotel partners.
  • Credits. The American Express® Green Card, American Express® Gold Card and The Platinum Card® from American Express — all include credits that can help you offset your product’s annual fee.
  • Points in a variety of categories. These cards offer bonus rewards in different categories — not always travel. That said, consider where you typically spend and whether your purchases can help you earn accelerated rewards.
  • Higher-value welcome offers. While you can potentially score more points, you may need to meet higher spending requirements.
American Express travel and Membership Rewards cards
  • American Express® Gold Card
  • The Platinum Card® from American Express
  • American Express® Green Card
  • Amex EveryDay® Credit Card
  • Amex EveryDay® Preferred Credit Card
  • Blue from American Express® Card

Airline and hotel

Amex is a major partner of Delta and Hilton. While it’s not the exclusive issuer of Marriott Bonvoy cards, it offers arguably the best product for this hotel program.

Typical benefits
  • Program-specific rewards. Depending on the program, you’ll earn Delta SkyMiles, Hilton Honors points or Marriott Bonvoy points.
  • Program-specific benefits. Delta cards might offer inflight savings, free checked baggage, companion certificates, lounge access and more depending on which product you choose. The hotel cards all offer elite status upgrades and, depending on annual fee, might offer perks such as free nights, statement credits, lounge access and Global Entry/TSA PreCheck credits.
  • Welcome offers. Typically, you’ll find bigger welcome offers with cards that have higher annual fees.
American Express airline and hotel cards
  • Delta SkyMiles® Blue American Express Card
  • Delta SkyMiles® Gold American Express Card
  • Delta SkyMiles® Platinum American Express Card
  • Delta SkyMiles® Reserve American Express Card
  • Hilton Honors American Express Card
  • Hilton Honors American Express Surpass® Card
  • Hilton Honors™ Aspire Card
  • Marriott Bonvoy Brilliant™ American Express® Card

No annual fee

There are different types of no-annual-fee cards in Amex’s collection. Consider whether you want a cobranded airline or hotel card, and can also think about what type of bonus rewards you’re looking for.

Typical benefits
  • Rewards. While these certainly aren’t the most valuable cards, most of them pay respectable rewards — typically on everyday purchases. The Hilton Honors American Express Card offers a strong rewards rate on Hilton purchases.
  • Light welcome-offer requirements. With most cards, you must spend only $500 or $1,000 within the first three months of account opening to qualify for the welcome offer. The Blue from American Express® Card doesn’t have a welcome offer.
  • Basic features for cobranded cards. The Delta SkyMiles® Blue American Express Card offers 20% back on inflight Delta purchases. The Hilton Honors Card offers complimentary Silver status in Hilton Honors.
American Express no-annual-fee cards
  • American Express Cash Magnet® Card
  • Blue Cash Everyday® Card from American Express
  • Amex EveryDay® Credit Card
  • Delta SkyMiles® Blue American Express Card
  • Hilton Honors American Express Card
  • Blue from American Express® Card

No foreign transaction fee

The vast majority of Amex’s travel cards have no foreign transaction fees. However, notable exceptions are the Amex Everyday products.

Typical benefits
  • Higher welcome offers. Travel cards — many of which have no foreign transaction fees — tend to have attractive welcome offers. Even the no-annual-fee Hilton Honors American Express Card has a healthy offer for its price.
  • Travel rewards. You can earn Membership Rewards points with Amex’s first-party cards. Alternatively, earn miles in Delta SkyMiles or points in Hilton Honors or Marriott Bonvoy.
  • Credits. Some of Amex’s travel cards offer credits that help you offset your annual fee. The American Express® Gold Card offers up to $120 per calendar year in dining credits.
  • Program-specific benefits. Delta cards might offer inflight savings, free checked baggage, companion certificates, lounge access and more depending on which product you choose. The hotel cards all offer elite status upgrades and, depending on annual fee, might offer perks such as free nights, statement credits, lounge access and Global Entry/TSA PreCheck credits.
American Express no foreign transaction fee cards
  • American Express® Gold Card
  • The Platinum Card® from American Express
  • American Express® Green Card
  • Delta SkyMiles® Gold American Express Card
  • Delta SkyMiles® Platinum American Express Card
  • Delta SkyMiles® Reserve American Express Card
  • Delta SkyMiles® Blue American Express Card
  • Hilton Honors American Express Surpass® Card
  • Hilton Honors™ Aspire Card
  • Hilton Honors American Express Card
  • Marriott Bonvoy Brilliant™ American Express® Card

Small business

Amex’s business cards are standouts among competitors. Additionally, the issuer offers several excellent cobranded cards, including the Amazon and Delta products as well as cobranded hotel products.

Typical benefits
  • Travel rewards. A few of Amex’s business cards offer Membership Rewards points. The issuer’s cobranded airline and hotel cards offer rewards for their specific programs.
  • Cash back. If you don’t want to deal with travel rewards, consider cashback cards such as the American Express Blue Business Cash™ Card and The Plum Card® from American Express.
  • Welcome offers. Most cards have attractive welcome offers. However, some products that you might expect to have offers — such as The Blue Business® Plus Credit Card from American Express — are missing this feature.
  • Additional features. The Blue Business® Plus Credit Card from American Express offers a top-notch array of travel benefits. Amex’s cobranded airline and hotel cards have attractive features of their own.
American Express small business cards
  • American Express® Business Gold Card
  • American Express Blue Business Cash™ Card
  • The Blue Business® Plus Credit Card from American Express
  • The Business Platinum Card® from American Express
  • The Plum Card® from American Express
  • Business Green Rewards Card from American Express
  • Amazon Business American Express Card
  • Amazon Business Prime American Express Card
  • Lowe's Business Rewards Card from American Express
  • Delta SkyMiles® Platinum Business American Express Card
  • Delta SkyMiles® Gold Business American Express Card
  • Delta SkyMiles® Reserve Business American Express Card
  • The Hilton Honors American Express Business Card
  • Marriott Bonvoy Business™ American Express® Card

Compare American Express credit cards by card type

Typical card features and benefits of an American Express card

Each American Express card offers its own range of features, including welcome offers that provide upwards of $300 back. But you’ll find a few signature features across several cards, including:

  • Entertainment Access®. Get access to selected ticketed events through American Express.
  • ShopRunner membership. Get free two-day shipping, extended warranties and purchase protection when you use your card to shop with a retailer in the ShopRunner network.
  • Airport lounge access. Take advantage of the relaxed space and complimentary food and beverages at airport lounges around the world. Depending on your card, you may need to pay an additional fee to access some lounges.
  • Concierge. Get help planning your trip, finding a place to eat or booking a hotel room at no extra charge.
  • Global Assist® Hotline. Get assistance with missing luggage, legal or medical referrals, passport services and translation services are a phone call away.
  • Uber benefits. Receive monthly Uber ride credits with your Platinum card.
  • Mobile app. You can download Amex’s mobile app to monitor your account, make payments and more.
  • Amex Express Checkout. Quickly make payments online without entering your card number with this Amex Express Checkout.

American Express rewards program

Amex itself offers two types of rewards: Membership Rewards points and cash back. It also offers various types of rewards with its cobranded cards. For example, you can accumulate earnings in programs such as Delta SkyMiles, Hilton Honors and Marriott Bonvoy.

Below, you’ll find a table of the different types of rewards Amex offers and a link to where you can find out more about earnings points, miles or cash back.

Type of rewardsCards offering these rewardsLearn more
Membership Rewards points
  • American Express® Green Card
  • American Express® Gold Card
  • The Platinum Card® from American Express
  • Amex EveryDay® Credit Card
  • Amex EveryDay® Preferred Credit Card
  • Blue from American Express® Card
Guide to American Express Membership Rewards program
Cash back
  • American Express Cash Magnet® Card
  • Blue Cash Everyday® Card from American Express
  • Blue Cash Preferred® Card from American Express
Compare American Express cash back cards
Delta SkyMiles
  • Delta SkyMiles® Blue American Express Card
  • Delta SkyMiles® Gold American Express Card
  • Delta SkyMiles® Platinum American Express Card
  • Delta SkyMiles® Reserve American Express Card
Delta SkyMiles loyalty program
Hilton Honors points
  • Hilton Honors American Express Card
  • Hilton Honors American Express Surpass® Card
  • Hilton Honors™ Aspire Card
Hilton Honors rewards program
Marriott Bonvoy points
  • Marriott Bonvoy Brilliant™ American Express® Card
Marriott Bonvoy rewards program
Type of rewardsCards offering these rewardsLearn more
Membership Rewards points
  • Business Green Rewards Card from American Express
  • American Express® Business Gold Card
  • The Business Platinum Card® from American Express
  • The Blue Business® Plus Credit Card from American Express
Guide to American Express Membership Rewards program
Cash back
  • American Express Blue Business Cash™ Card
  • The Plum Card® from American Express
Compare American Express cash back cards
Delta SkyMiles
  • Delta SkyMiles® Gold Business American Express Card
  • Delta SkyMiles® Platinum Business American Express Card
  • Delta SkyMiles® Reserve Business American Express Card
Delta SkyMiles loyalty program
Hilton Honors points
  • The Hilton Honors American Express Business Card
Hilton Honors rewards program
Marriott Bonvoy points
  • Marriott Bonvoy Business™ American Express® Card
Marriott Bonvoy rewards program
Amazon points
  • Amazon Business American Express Card
  • Amazon Business Prime American Express Card
Compare Amazon credit cards
Lowe’s points
  • Lowe's Business Rewards Card from American Express
Read card review

What’s the alternative to an Amex credit card?

Although American Express offers a wide variety of credit cards, it’s not the only card provider. Other providers that rival American Express are:

  • Chase. Chase offers some of the best travel credit cards with the Chase Ultimate Rewards program. And since most of the cards are Visa cards, you shouldn’t have any problem using them abroad.
  • Citi. Citi also offers some of the best travel credit cards with the ThankYou rewards program. But you’ll also find market-leading 0% intro APR periods on balance transfers with the Citi® Diamond Preferred® Card and Citi Simplicity® Card.
  • Bank of America. Bank of America is famous for a wide range of cobranded airline and cruise line credit cards. But it also offers some of the best student cards — Bank of America® Cash Rewards for Students and Bank of America Travel Rewards card for students.
  • Barclaycard US. Barclaycard offers a massive selection of travel credit cards. You can find cobranded cards for cruise lines, homestays and hotels, and airline credit cards.

How does American Express keep my credit card information secure?

American Express protects your personal and financial information with physical and technical features. It encrypts any sensitive information you send online, and accounts left logged in and idle time out for your protection.

Fraud protection is also available. Account alerts and irregular or suspicious transaction monitoring keeps you informed and your account under watch. Amex may also verify your identity before allowing you to make a purchase, confirming you’re actually the one using the card.

You can also choose whether to receive American Express marketing materials and how you’d like to get them. You’re still able to access customer service agents and receive contact regarding your account, when necessary.

Full list of American Express credit card reviews

Bottom line

American Express offers a variety of cashback, travel and business credit cards. If you’re not sure it’s the best choice for you, consider top cards from other issuers.

Frequently asked questions

  • Does American Express offer secured credit cards?

    No — Amex doesn’t have secured cards at this time.

  • How do I set up an online account with American Express?
    Visit the Amex website and click the Create New Online Account link. Then enter information such as your 15-digit card number and 4-digit card ID.
  • Are there fees associated with my American Express credit card?
    There might be. Some American Express cards carry annual, balance transfer and cash advance fees. Others charge foreign transaction fees. You can avoid fees for late payments by abiding to your card agreement.

    Read the terms and conditions of your card to learn the fees associated with your specific American Express card.

  • What types of purchase protections does American Express offer?
    There are a few different types of Amex benefits — including purchase protections — depending on the card you own.

    Purchase protection covers transactions against theft, damages and loss for a limited time after your purchase. You may also need to meet a minimum purchase amount to qualify for a refund. Your card may also offer extended warranties on eligible purchases for up to an extra year.

    Availability, requirements and coverage amounts vary by card and circumstance, so read the terms and conditions of your card to understand your benefits.

  • Can I set up bill payment through American Express?
    Yes. American Express allows you to make one-time payments or set up automatic payments through your online account.
  • How can I increase my credit limit with American Express?
    You may be able to expand your Amex credit limit as you build history with the provider. To successfully apply for an increase, first work on a record of on-time payments and try to pay more than the minimum required each statement.
  • How do I report a lost or stolen American Express card?
    Contact American Express as soon as you realize that your card is missing. Amex provides customer service specific to its cards, but if you’re unfamiliar with yours, call 1-800-528-4800. Have your credit card account number on hand when calling.
  • Can American Express change my APR?
    Yes. Your APR for purchases, balance transfers, cash advances and penalty APRs all vary with the market based on the prime rate. Credit card providers are allowed to change your APR with a 45-day minimum notice, according to the Credit CARD Act of 2009.
  • How do I cancel my account with American Express?
    You can cancel your American Express card by calling the number on the back of your card, sending a message via online chat or mailing Amex.

Read more on this topic

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