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American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

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Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

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Best American Express Credit Cards in 2025

Headshot of JT GenterWritten by
JT Genter
Headshot of Robin RatcliffEdited by
Robin Ratcliff
Content was accurate at the time of publication.
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Our winner for best American Express card

American Express<sup>®</sup> Gold Card

American Express® Gold Card

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The American Express® Gold Card is our top pick due to its high earning rate on food purchases — both at U.S. supermarkets and restaurants worldwide — as well as flights. Plus, get up to $524 in perks and statement credits each year.

Key takeaways

  • American Express offers a diverse set of cards, from no-annual-fee cards to arguably the most premium travel rewards card on the market: The Platinum Card® from American Express.
  • Choose between Amex cards that earn cash back, hotel points, airline miles or flexible points that can be transferred to 20 airline and hotel partners.
  • Amex also offers business cards that small business owners can use to earn points, miles or cash back on business purchases. Points can be combined with earnings from consumer cards to help you reach your travel goals faster.

The information related to the Hilton Honors Aspire Card from American Express has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.

Winner (Travel points)

American Express® Gold Card

American Express<sup>®</sup> Gold Card American Express<sup>®</sup> Gold Card
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4.3
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Welcome offer: You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Annual Fee$325
Rewards Rate1X - 4X points
  • Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
  • Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
  • Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
  • Terms apply. 
Regular Purchase APRSee Pay Over Time APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
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  • Earn elevated rewards at U.S. supermarkets and restaurants worldwide
  • Large welcome offer
  • More than $500 in annual perks and credits
  • Points can be transferred to 20 airline and hotel partners
  • Monthly credits can be difficult to use
  • Points have limited value when redeemed for statement credits or gift cards
  • High variable APR means you won’t want to carry a balance
  • No airport lounge access

The American Express® Gold Card is your best option for earning Membership Rewards points for free travel. That’s because it earns a stellar 4x points at restaurants worldwide (on up to $50,000 per calendar year) and at U.S. supermarkets (on up to $25,000 per calendar year). Points can be transferred to 20 airline and hotel loyalty programs, making them very valuable.

By utilizing the card’s statement credits, you can fully offset the $325 annual fee. Plus, the American Express® Gold Card doesn’t charge foreign transaction fees, meaning you won’t have to pay more to use the card outside of the U.S.

  • You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
  • Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
  • Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
  • Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
  • $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
  • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
  • Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
  • No Foreign Transaction Fees.
  • Annual Fee is $325.
  • Terms Apply.

Best travel card

The Platinum Card® from American Express

The Platinum Card<sup>®</sup> from American Express The Platinum Card<sup>®</sup> from American Express
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4.5
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Welcome offer: You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

Annual Fee$695
Rewards Rate5X points
  • Earn 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel® on up to $500,000 on these purchases per calendar year
  • Earn 5X Membership Rewards® points on prepaid hotels booked with American Express Travel®.
  • Terms apply. 
Regular Purchase APRSee Pay Over Time APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
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  • Generous rewards on flights purchased through Amex Travel or directly with airlines
  • Hilton Gold and Marriott Gold elite status (enrollment required)
  • Global airport lounge access for eligible card members
  • Over $1,000 in annual statement credits can more than offset the annual fee
  • Points can be transferred to 20 airline and hotel partners
  • High annual fee for primary and authorized user cards
  • Monthly statement credits may be hard to utilize
  • 1x earning rate on most purchases

The Platinum Card® from American Express is arguably the best premium travel card for frequent travelers. Eligible card members get global airport lounge access, complimentary Marriott Gold* and Hilton Gold status* and over $1,000 in annual travel and shopping statement credits.

Travel credits include an annual hotel credit, an annual airline fee credit*, a Global Entry or TSA PreCheck application fee credit*, Uber Cash* and an annual CLEAR® Plus membership credit* (subject to auto-renewal). Other benefits include a digital entertainment credit*, a Saks Fifth Avenue credit* and credits for Walmart+* (subject to auto-renewal).

*Enrollment required.

 

  • You may be eligible for as high as 175,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel® up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel®.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney+ bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • Enjoy the benefits of the Global Lounge Collection, with over $500 of annual value if you visit Centurion Lounges and each of our partner lounges including Delta Sky Club® lounges when flying an eligible Delta flight (subject to visit limitations) , select Lufthansa lounges when flying Lufthansa, Plaza Premium lounges and Escape Lounges, and enroll in Priority Pass Select. See terms.
  • A Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive one statement credit for up to $12.95 (plus applicable taxes. Plus Ups not eligible) each month. Free Shipping excludes most Marketplace items, freight & certain location surcharges. Paramount+ Essential plan only, separate registration required.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
  • $200 Uber Cash: Platinum Card® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
  • $199 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. Receive up to $199 in statement credits per calendar year after you pay for your CLEAR Plus Membership (subject to auto-renewal) with the Platinum Card®.
  • Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Use Global Dining Access by Resy to access premium dining experiences. Receive Priority Notify and unlock insider access to some of the world's most sought-after restaurants with Global Dining Access by Resy. Download the Resy iOS app or log into Resy.com and add your Platinum Card® to your Resy profile to take advantage of your special benefits and discover restaurants near you.
  • $695 annual fee.
  • Terms Apply.

Best business card

The Business Platinum Card® from American Express

The Business Platinum Card<sup>®</sup> from American Express The Business Platinum Card<sup>®</sup> from American Express
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4.4
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Welcome offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
Annual Fee$695
Rewards Rate1X - 5X points
  • Earn 5X points on flights and prepaid hotels booked on AmexTravel.com.
  • Earn 1.5X points (that’s an extra half point per dollar) on purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
  • Earn 1X points on other eligible purchases
Regular Purchase APR18.49% - 29.24% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
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  • Substantial welcome offer
  • Earn 5x points on flights and prepaid hotels booked through Amex Travel
  • Access to the world’s largest airport lounge network, including Delta SkyClub and Centurion lounges
  • 50% bonus earning on large purchases and select business categories
  • Over $2,000 in potential statement credits annually (after meeting qualifying spend thresholds)
  • Points can be transferred to 20 airline and hotel partners
  • Significant minimum spending required to earn welcome offer
  • High annual fee
  • Limited bonus earnings

The travel benefits and statement credits on The Business Platinum Card® from American Express make it a must-have for traveling small business owners. The card includes access to the Amex Global Lounge Collection (the world’s largest airport lounge network), airline fee credits*, hotel elite status with Marriott and Hilton*, a CLEAR Plus credit* and a Global Entry or TSA PreCheck application fee credit*.

Transfer points to 20 airline and hotel partners or through Amex Travel. Even better, you can get 35% of your points back when booking eligible flights through Amex Travel, boosting the effective redemption rate to over 1.5 cents per point.

*Enrollment required.

 

  • Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
  • Unlock over $2,000 in statement credits with business and travel benefits annually* on the Business Platinum Card. Terms apply. Learn more. *After meeting qualifying spend thresholds
  • New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
  • New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
  • Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
  • Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
  • 5X points on flights and prepaid hotels booked on AmexTravel.com
  • 1.5X points (that’s an extra half point per dollar) on purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
  • 1X points on other eligible purchases
  • Use the Business Platinum Card® and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
  • $695 Annual Fee.
  • Terms Apply.

Best cash back card

Blue Cash Preferred® Card from American Express

Blue Cash Preferred<sup>®</sup> Card from American Express Blue Cash Preferred<sup>®</sup> Card from American Express
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4.6
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Welcome offer: Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Annual Fee$0 intro annual fee for the first year, then $95.
Rewards Rate1% - 6% cash back
  • Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
  • Earn 6% Cash Back on select U.S. streaming subscriptions
  • Earn 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more)
  • Earn 1% Cash Back on other purchases.
  • Terms apply.
Regular Purchase APR20.24%-29.24% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Earn up to 6% cash back* on U.S. supermarket purchases ($6,000 in purchases yearly)
  • Earn 3% cash back* on transit and at U.S. gas stations
  • Intro APR on purchases and balance transfers
  • Annual statement credits for Disney Bundle (enrollment required)
  • Annual fee: ($0 intro annual fee for the first year, then $95.)
  • Spending limits on supermarket bonus category caps earning potential
  • Foreign transaction fees

The Blue Cash Preferred® Card from American Express is a cash back-earning powerhouse, offering one of the highest rates you can find for U.S. supermarket purchases. You’ll earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply. With these rates, you can earn $360 in bonus cash back just on your first $6,000 in U.S. supermarket purchases each year, easily outmatching the annual fee. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

It’s also a great choice for financing a new purchase. You’ll get an intro APR of 0% on purchases for 12 months, followed by an APR of 20.24%-29.24% Variable.

  • Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments with a fixed fee. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 20.24% - 29.24%.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred® Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.

Best 0% APR and balance transfer card

Blue Cash Everyday® Card from American Express

Blue Cash Everyday<sup>®</sup> Card from American Express Blue Cash Everyday<sup>®</sup> Card from American Express
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4.4
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Intro APR: 0% for 15 months on purchases and balance transfers

0% on balance transfers for 15 months and 0% on purchases for 15 months, followed by an APR of 20.24%-29.24% Variable

Annual Fee$0
Rewards Rate1% - 3% cash back
  • Earn 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • Earn 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • Earn 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
  • Earn 1% cash back on other purchases.
  • Terms apply. 
Regular Purchase APR20.24%-29.24% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • $0 annual fee
  • Long intro APR on purchases and balance transfers
  • Earn up to 3% cash back* at U.S. supermarkets, online retail purchases, and U.S. gas stations
  • Generous monthly credits for Disney Bundle and Home Chef (enrollment required)
  • Bonus cash back* limited to $6,000 in purchases per category per year
  • Foreign transaction fees

The Blue Cash Everyday® Card from American Express doubles as a great $0-annual-fee cash back* card and a top card for financing balance transfers and new purchases. That’s because it offers an intro APR of 0% on balance transfers for 15 months and an equally long 0% on purchases for 15 months, followed by an APR of 20.24%-29.24% Variable.

Once the intro offer expires, you can use it as a solid card for everyday purchases. You’ll earn 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%. 1% cash back on other purchases. Terms apply. *

  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • No Annual Fee.
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 20.24% to 29.24% variable APR.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.

Best no annual fee card

Hilton Honors American Express Card

Hilton Honors American Express Card Hilton Honors American Express Card
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3.2
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Welcome offer: Earn 100,000 Hilton Honors Bonus Points and a $100 Statement Credit after you spend $2,000 on eligible purchases on the Hilton Honors American Express® Card within your first 6 months of Card Membership. Offer Ends 8/13/2025.
Annual Fee$0
Rewards Rate3X - 7X points
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio
  • Earn 5X Hilton Honors Bonus Points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card
Regular Purchase APR20.24%-29.24% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Large welcome offer
  • Earns generous points in categories including Hilton, U.S. restaurants, U.S. supermarkets and U.S. gas station purchases
  • Complimentary Silver elite status (with an opportunity to spend to Gold elite status)
  • No foreign transaction fees
  • Rental car damage insurance protection3
  • Points are inflated
  • Rewards are limited to Hilton
  • No free anniversary night, as is offered on many other hotel credit cards

The Hilton Honors American Express Card comes with a generous welcome offer, an excellent earning rate and elite status benefits, all for a $0 annual fee. Cardholders earn at least 3x Hilton Honors points on every eligible purchase and receive complimentary Silver elite status. Travelers also enjoy rental car protections3 when booking cars with their Hilton credit card. Additionally, there are no foreign transaction fees — a rare perk for a no-annual-fee card.

Cardholders earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5X Hilton Honors Bonus Points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations AND 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.

  • Earn 100,000 Hilton Honors Bonus Points and a $100 Statement Credit after you spend $2,000 on eligible purchases on the Hilton Honors American Express® Card within your first 6 months of Card Membership. Offer Ends 8/13/2025.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
  • Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Points for all other eligible purchases on your Card.
  • Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • No Annual Fee.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.

Best hotel card

Hilton Honors Aspire Card from American Express*

Hilton Honors Aspire Card from American Express Hilton Honors Aspire Card from American Express
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Welcome offer: Earn 175,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership.
Annual Fee$550
Rewards Rate3X - 14X points
  • Earn 14X points on eligible purchases at hotels or resorts in the Hilton Portfolio.
  • Earn 7X points on flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies and U.S. restaurants.
  • Earn 3X points on other purchases.
Regular Purchase APR20.24% to 29.24%
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Top-tier Hilton Diamond elite status just for carrying the card (enrollment required)
  • Earn 14x points on Hilton purchases
  • More than $600 in travel credits can more than offset the annual fee (enrollment required)
  • Get an annual free night reward redeemable at almost any Hilton property worldwide
  • Steep $550 annual fee
  • Points are inflated
  • Rewards are limited to Hilton
  • Resort credit (semi-annual) and flight credit (quarterly) require frequent purchases

The Hilton Honors Aspire Card from American Express stands out among hotel cards in offering top-tier elite status just for carrying the card. In addition, Hilton fans earn 14x points on eligible Hilton purchases and receive an annual free night redeemable at almost any Hilton property worldwide.

The card offers hundreds of dollars in annual Hilton resort credits and annual flight credits* — and if fully utilized, these credits more than offset the card’s significant annual fee. However, they’re are divvied up into two semi-annual resort credits and four quarterly flight credits, making it harder to take full advantage of them.

*Enrollment required.
  • 14X Hilton Honors Bonus Points at hotels and resorts in the Hilton portfolio worldwide
  • 7X Hilton Honors Bonus Points on flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies and at U.S. restaurants
  • 3X Hilton Honors Bonus Points on other purchases
  • Complimentary Hilton Honors Diamond status (enrollment required)
  • One Free Night Reward in your first year of Card Membership and every year upon Card renewal
  • Up to $400 Hilton Resort credit (up to $200 semi-annually)
  • Up to $200 flight credit (up to $50 per quarter, enrollment required)
  • Up to $199 CLEAR credit (enrollment required)
  • $100 on-property credit at Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts when booking the exclusive Aspire Card package
  • National Car Rental® Emerald Club Executive® Status (enrollment required)
  • Access to 24/7 American Express concierge
  • No foreign transaction fees
  • Terms apply
*The information related to the Hilton Honors Aspire Card from American Express has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best business cash back

The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card The American Express Blue Business Cash™ Card
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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.4
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Rates & Fees
|Terms Apply

Welcome offer: Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Annual FeeNo annual fee
Rewards Rate1% - 2% cash back
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%
Regular Purchase APR17.49% - 27.49% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • No annual fee
  • Earn up to 2% cash back on purchases*
  • Intro APR on purchases
  • Flexible credit limit
  • Purchase protection1 and extended warranty2 to protect your purchases
*Cash back can be redeemed for statement credits.

 

  • 2% earning rate limited to the first $50,000 in purchases each calendar year
  • No balance transfer 0% APR offer
  • Foreign transaction fees

The American Express Blue Business Cash™ Card lets you earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.* That’s a great earning rate for a card that doesn’t charge an annual fee. However, that modest spending cap means this card will only be best for small businesses with modest spending.

Plus, stretch your small business’ budget longer with an intro APR of 0% on purchases for 12 months from date of account opening (followed by an 17.49% - 27.49% Variable APR).

*Cash back can be redeemed for statement credits.

 

  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 27.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
  • 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.
  • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
  • The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
  • No Annual Fee
  • Terms Apply

Best airline card

Delta SkyMiles® Reserve American Express Card

Delta SkyMiles<sup>®</sup> Reserve American Express Card Delta SkyMiles<sup>®</sup> Reserve American Express Card
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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.1
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
|Terms Apply

Welcome offer: Earn 100,000 Bonus Miles after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Annual Fee$650
Rewards Rate1X - 3X miles
  • Earn 3X Miles on Delta purchases.
  • Earn 1X Mile on all other eligible purchases.
Regular Purchase APR20.24%-29.24% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Complimentary Centurion Lounge and Delta Sky Club® access when flying Delta
  • Get a $2,500 Medallion® Qualification Dollars Headstart toward Medallion elite status
  • 15% discount on Delta-operated award flights with TakeOff 15
  • Earn a Companion Certificate each year after renewal
  • Massive $650 annual fee
  • Sky Club access limited to 15 visits per year
  • Monthly statement credits for Resy and rideshare services can be hard to utilize

The Delta SkyMiles® Reserve American Express Card is the most premium card in Amex’s Delta card lineup, offering access to Delta Sky Club and Amex Centurion Lounges when you fly Delta. You can stretch your Delta SkyMiles further with a 15% discount on Delta-operated flights. Plus, get a Companion Certificate each year after card renewal.

The card also gives you a boost toward Delta Medallion elite status through a $2,500 MQD Headstart and MQD Boost of $1 MQD per $10 in purchases charged to your card. Medallion elites get upgrade priority over other Delta Medallion elites of the same tier, while cardmembers without elite status get added to the upgrade list.

  • Earn 100,000 Bonus Miles after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
  • Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you’ll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
  • Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
  • Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
  • Enjoy a Companion Certificate on a First Class, Delta Comfort+®, or Main Cabin round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
  • $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
  • $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
  • Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over other Medallion Members within the same Medallion tier and fare class grouping when you fly with Delta.
  • Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
  • No Foreign Transaction Fees.
  • $650 Annual Fee.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
  • Amex offers a range of cards to fit most cardholders’ needs.
  • Many Amex cards have consumer and small business versions.
  • Card members can pool Membership Rewards points from different cards into one account.
  • Authorized users have separate card numbers from the primary cardholder, enhancing security in case a card number is compromised.
  • Amex offers arguably the largest and best list of transfer partners for its Membership Rewards program.
  • Amex bonus restrictions prevent cardholders from earning bonuses, sometimes even on cards they’ve never had before.
  • Many Amex cards have been “enhanced” with higher annual fees and harder-to-use credits.
  • American Express cards are not as widely accepted as Visa or Mastercard.
*Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.1. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

2. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

3. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

To see rates & fees for American Express cards mentioned on this page, visit the links provided below:

The information related to the Hilton Honors Aspire Card from American Express, American Express® Green Card, Amex EveryDay® Credit Card from American Express and Amex EveryDay® Preferred Credit Card from American Express has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.

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