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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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Advertising Disclosure
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
Advertising Disclosure
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
This article was last updated
May 30, 2023 . Terms and conditions may have changed. For the most accurate information, please consult the issuer website.
The information for the American Express Cash Magnet® Card, Hilton Honors American Express Surpass® Card, The Amex EveryDay® Credit Card from American Express, The Amex EveryDay® Preferred Credit Card from American Express, American Express® Green Card and Business Green Rewards 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.
Our top pick for best American Express credit card
The American Express® Gold Card is our top pick from American Express thanks to its exceptional rewards on food purchases — including restaurants, takeout, delivery and U.S. supermarkets. Your everyday spending on this generous travel rewards card can easily fund an upcoming vacation.
American Express is one of the most popular card issuers for consumers and small business owners. The issuer offers a variety of credit cards that earn miles, points and cash back. Plus, new cardholders may qualify for a 0% intro APR offer and other valuable benefits, depending on the card for which they apply. American Express offers cards for every budget, ranging from cards with no annual fee to premium cards with annual fees of up to $695 per year.
One of the major benefits of American Express cards is that many of them offer versions for both consumers and small business owners. With these cards, you can earn rewards for your personal and business expenses. Then, you can combine them into one bucket to accelerate your earnings. With some cards, you can even transfer your rewards to an American Express travel partner, including Delta Air Lines and Hilton Honors.
Welcome offer: 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Rewards rate: Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Terms apply.
Why we picked this card: The American Express® Gold Card offers great benefits and earning opportunities in the travel and cuisine categories. The card earns as much as 4x points at restaurants and U.S. supermarkets (on up to $25,000 in purchases at U.S. supermarkets per year), which can be used to book travel or transfer to airline and hotel partners.
Pros
Cons
Earn up to 4x points on food purchases.
Generous welcome offer.
Up to $240 in credits per year.
Use points to book travel or transfer to partners.
High annual fee.
Credits can be difficult to use.
The American Express® Gold Card is ideal for foodies — whether you frequently dine out, order in or prefer cooking at home.
On top of a generous rewards rate, the card offers up to $10 in statement credits monthly when you use it at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations — for savings of up to $120 annually. Enrollment is required.
Plus, when you add your American Express® Gold Card to your Uber account, you’ll automatically get $10 in Uber Cash each month (for a total of up to $120 per year) to use on Uber Eats or rides in the U.S.
We should note that while some dining credit cards offer an accelerated rewards rate only at U.S. restaurants, the American Express® Gold Card offers the higher rate at restaurants worldwide. There are also great travel benefits offered for airlines, hotels and cruise and tour packages. Another bonus for travelers: There are no foreign transaction fees, making it advantageous to use the card outside of the U.S.
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$120 Dining Credit: Satisfy your cravings and 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, Milk Bar and select Shake Shack locations. Enrollment required.
Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
Choose the color that suits your style. Gold or Rose Gold.
No Foreign Transaction Fees.
Annual Fee is $250.
Terms Apply.
Welcome offer: 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Rewards rate: Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Terms apply.
Why we picked this card: The American Express® Gold Card offers great benefits and earning opportunities in the travel and cuisine categories. The card earns as much as 4x points at restaurants and U.S. supermarkets (on up to $25,000 in purchases at U.S. supermarkets per year), which can be used to book travel or transfer to airline and hotel partners.
Pros
Cons
Earn up to 4x points on food purchases.
Generous welcome offer.
Up to $240 in credits per year.
Use points to book travel or transfer to partners.
High annual fee.
Credits can be difficult to use.
The American Express® Gold Card is ideal for foodies — whether you frequently dine out, order in or prefer cooking at home.
On top of a generous rewards rate, the card offers up to $10 in statement credits monthly when you use it at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations — for savings of up to $120 annually. Enrollment is required.
Plus, when you add your American Express® Gold Card to your Uber account, you’ll automatically get $10 in Uber Cash each month (for a total of up to $120 per year) to use on Uber Eats or rides in the U.S.
We should note that while some dining credit cards offer an accelerated rewards rate only at U.S. restaurants, the American Express® Gold Card offers the higher rate at restaurants worldwide. There are also great travel benefits offered for airlines, hotels and cruise and tour packages. Another bonus for travelers: There are no foreign transaction fees, making it advantageous to use the card outside of the U.S.
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$120 Dining Credit: Satisfy your cravings and 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, Milk Bar and select Shake Shack locations. Enrollment required.
Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
Choose the color that suits your style. Gold or Rose Gold.
Welcome offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Rewards rate: 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
Why we picked this card: The travel benefits offered by The Business Platinum Card® from American Express are fantastic for people who take a lot of flights and stay in hotels when on business trips. The card includes airport lounge access, airline fee credits, hotel perks and other travel benefits. Plus, you can get 35% of your points back when booking eligible flights through Amex Travel.
Pros
Cons
Earn 5x points on flights and prepaid hotels.
Hotel benefits, including Hilton and Marriott Gold status (enrollment required).
Airport lounge access.
Annual credits that can offset the annual fee.
High annual fee for primary and employee cards.
High minimum spending to earn welcome offer.
Limited bonus categories.
To see rates & fees for The Business Platinum Card® from American Express please click here.
The Business Platinum Card® from American Express is a good fit for business owners who travel frequently. The card offers a broad range of valuable benefits that can easily make up for the annual fee each year. For example, when you use your points to pay for all or part of an eligible airfare, you’ll get 35% of those points back, up to 500,000 per calendar year (enrollment required).
Cardholders also receive up to $400 in Dell Technologies statement credits each year*, access to the American Express Global Lounge Collection — which includes more than 1,400 lounges across 140 countries, a credit of up to $360 for Indeed purchases*, a credit of up to $150 for select Adobe subscriptions*, a credit of $189 to cover your annual CLEAR membership*, up to a $200 annual airline fee credit*, a Global Entry or TSA Precheck application fee credit*, discounts on private jets and much more.
*Enrollment is required for these benefits.
Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
$189 CLEAR® Plus Credit: Use your Card and get up to $189 back per year on your CLEAR® Plus membership. CLEAR® lanes are available at 100+ airports, stadiums, and entertainment venues.
The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
$695 Annual Fee.
Terms Apply.
Welcome offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Rewards rate: 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
Why we picked this card: The travel benefits offered by The Business Platinum Card® from American Express are fantastic for people who take a lot of flights and stay in hotels when on business trips. The card includes airport lounge access, airline fee credits, hotel perks and other travel benefits. Plus, you can get 35% of your points back when booking eligible flights through Amex Travel.
Pros
Cons
Earn 5x points on flights and prepaid hotels.
Hotel benefits, including Hilton and Marriott Gold status (enrollment required).
Airport lounge access.
Annual credits that can offset the annual fee.
High annual fee for primary and employee cards.
High minimum spending to earn welcome offer.
Limited bonus categories.
To see rates & fees for The Business Platinum Card® from American Express please click here.
The Business Platinum Card® from American Express is a good fit for business owners who travel frequently. The card offers a broad range of valuable benefits that can easily make up for the annual fee each year. For example, when you use your points to pay for all or part of an eligible airfare, you’ll get 35% of those points back, up to 500,000 per calendar year (enrollment required).
Cardholders also receive up to $400 in Dell Technologies statement credits each year*, access to the American Express Global Lounge Collection — which includes more than 1,400 lounges across 140 countries, a credit of up to $360 for Indeed purchases*, a credit of up to $150 for select Adobe subscriptions*, a credit of $189 to cover your annual CLEAR membership*, up to a $200 annual airline fee credit*, a Global Entry or TSA Precheck application fee credit*, discounts on private jets and much more.
*Enrollment is required for these benefits.
Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
$189 CLEAR® Plus Credit: Use your Card and get up to $189 back per year on your CLEAR® Plus membership. CLEAR® lanes are available at 100+ airports, stadiums, and entertainment venues.
The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
Welcome offer: Earn 80,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
Rewards rate: 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 and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply.
Why we picked this card: The Platinum Card® from American Express offers abundant perks for the frequent traveler. Cardholders receive airport lounge access, complimentary Gold status from Marriott and Hilton (enrollment required), valuable annual credits and more. Plus, new cardholders can earn a large welcome offer based on reasonable spending requirements.
Pros
Cons
Generous welcome offer.
Over $1,500 in annual credits.
Complimentary airport lounge access.
Hotel elite status and perks (enrollment required).
High annual fee.
Credits may be difficult to use.
Limited bonus categories.
To see rates & fees for The Platinum Card® from American Express please click here.
If you enjoy luxury travel and plan to take advantage of the card’s benefits, The Platinum Card® from American Express is well worth its price tag.
Travel benefits include an annual hotel credit of up to $200, an annual airline fee credit of up to $200*, a Global Entry or TSA Precheck application fee credit of up to $100* and an annual CLEAR® membership credit of up to $189*.
Other benefits include up to a $300 Equinox credit*, up to a $240 digital entertainment credit*, an annual Saks Fifth Avenue credit of up to $100* and Global Dining Access by Resy.
Cardholders also receive automatic Marriott Bonvoy Gold elite status* and Hilton Honors Gold status*.
*Enrollment is required for these benefits.
Earn 80,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
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 with American Express Travel when you pay with your Platinum Card®.
$240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Disney+, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
$155 Walmart+ Credit: Walmart+ members enjoy shopping perks – both online and in-store – at Walmart. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive a statement credit that covers the full cost each month. $12.95 plus applicable taxes. Plus Up Benefits not eligible.
$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 Card.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Benefit renews annually.
$300 Equinox Credit: Get up to $300 back per calendar year on an Equinox+ subscription, or any Equinox club memberships when you pay with your Platinum Card®. Enrollment required. Learn more.
$189 CLEAR® Plus Credit: Breeze through security with CLEAR® Plus at 45+ airports nationwide and get up to $189 back per year on your membership (subject to auto-renewal) when you use your Platinum Card®.
$100 Global Entry Credit: Receive either a $100 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 $50 in statement credits semi-annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
$300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. Must charge full price of bike in one transaction, and an Equinox+ subscription is required.
Add your Platinum Card® to your Resy profile on the Resy app or website and unlock Global Dining Access by Resy to exclusive tables and events.
$695 annual fee.
Terms Apply.
Welcome offer: Earn 80,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
Rewards rate: 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 and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply.
Why we picked this card: The Platinum Card® from American Express offers abundant perks for the frequent traveler. Cardholders receive airport lounge access, complimentary Gold status from Marriott and Hilton (enrollment required), valuable annual credits and more. Plus, new cardholders can earn a large welcome offer based on reasonable spending requirements.
Pros
Cons
Generous welcome offer.
Over $1,500 in annual credits.
Complimentary airport lounge access.
Hotel elite status and perks (enrollment required).
High annual fee.
Credits may be difficult to use.
Limited bonus categories.
To see rates & fees for The Platinum Card® from American Express please click here.
If you enjoy luxury travel and plan to take advantage of the card’s benefits, The Platinum Card® from American Express is well worth its price tag.
Travel benefits include an annual hotel credit of up to $200, an annual airline fee credit of up to $200*, a Global Entry or TSA Precheck application fee credit of up to $100* and an annual CLEAR® membership credit of up to $189*.
Other benefits include up to a $300 Equinox credit*, up to a $240 digital entertainment credit*, an annual Saks Fifth Avenue credit of up to $100* and Global Dining Access by Resy.
Cardholders also receive automatic Marriott Bonvoy Gold elite status* and Hilton Honors Gold status*.
*Enrollment is required for these benefits.
Earn 80,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
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 with American Express Travel when you pay with your Platinum Card®.
$240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Disney+, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
$155 Walmart+ Credit: Walmart+ members enjoy shopping perks – both online and in-store – at Walmart. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive a statement credit that covers the full cost each month. $12.95 plus applicable taxes. Plus Up Benefits not eligible.
$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 Card.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Benefit renews annually.
$300 Equinox Credit: Get up to $300 back per calendar year on an Equinox+ subscription, or any Equinox club memberships when you pay with your Platinum Card®. Enrollment required. Learn more.
$189 CLEAR® Plus Credit: Breeze through security with CLEAR® Plus at 45+ airports nationwide and get up to $189 back per year on your membership (subject to auto-renewal) when you use your Platinum Card®.
$100 Global Entry Credit: Receive either a $100 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 $50 in statement credits semi-annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
$300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. Must charge full price of bike in one transaction, and an Equinox+ subscription is required.
Add your Platinum Card® to your Resy profile on the Resy app or website and unlock Global Dining Access by Resy to exclusive tables and events.
Welcome offer: Earn 70,000 Hilton Honors Bonus Points and a Free Night Reward after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership.
Rewards rate: 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.
Why we picked this card: The Hilton Honors American Express Card offers users great earning power and elite status benefits with an annual fee of $0. Cardholders earn Hilton Honors points toward their next hotel stay and receive automatic Silver elite status (enrollment required). They can also earn Gold status based on their annual spending (enrollment required).
Pros
Cons
Earn up to 7x points on purchases.
Automatic Silver elite status (enrollment required).
Upgrade to Gold elite status after spending $20,000 in a calendar year (enrollment required).
No foreign transaction fees.
Rental car protection.
High spending required to upgrade to Gold status.
No free anniversary nights, as offered by some other hotel credit cards.
To see rates & fees for Hilton Honors American Express Card please click here.
This card is ideal for occasional travelers who want to earn hotel points on their Hilton stays and daily purchases without paying an annual fee. 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.
This card comes with automatic Silver elite status, so you can enjoy extra benefits on every Hilton stay (enrollment required). You can upgrade to Gold elite status by spending $20,000 within a calendar year (enrollment required). Upgraded Gold status benefits are good for the remainder of the current year in which you earn them, plus all of the following year.
Travelers also enjoy rental car protections when booking cars with their Hilton credit card. Additionally, foreign transaction fees are waived.
Earn 70,000 Hilton Honors Bonus Points and a Free Night Reward after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership.
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 for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
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 Annual Fee.
Terms Apply.
Welcome offer: Earn 70,000 Hilton Honors Bonus Points and a Free Night Reward after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership.
Rewards rate: 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.
Why we picked this card: The Hilton Honors American Express Card offers users great earning power and elite status benefits with an annual fee of $0. Cardholders earn Hilton Honors points toward their next hotel stay and receive automatic Silver elite status (enrollment required). They can also earn Gold status based on their annual spending (enrollment required).
Pros
Cons
Earn up to 7x points on purchases.
Automatic Silver elite status (enrollment required).
Upgrade to Gold elite status after spending $20,000 in a calendar year (enrollment required).
No foreign transaction fees.
Rental car protection.
High spending required to upgrade to Gold status.
No free anniversary nights, as offered by some other hotel credit cards.
To see rates & fees for Hilton Honors American Express Card please click here.
This card is ideal for occasional travelers who want to earn hotel points on their Hilton stays and daily purchases without paying an annual fee. 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.
This card comes with automatic Silver elite status, so you can enjoy extra benefits on every Hilton stay (enrollment required). You can upgrade to Gold elite status by spending $20,000 within a calendar year (enrollment required). Upgraded Gold status benefits are good for the remainder of the current year in which you earn them, plus all of the following year.
Travelers also enjoy rental car protections when booking cars with their Hilton credit card. Additionally, foreign transaction fees are waived.
Earn 70,000 Hilton Honors Bonus Points and a Free Night Reward after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership.
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 for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
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.
Welcome offer: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Rewards rate: 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.
Why we picked this card: The Blue Cash Preferred® Card from American Express earns up to a hefty 6% cash back on purchases, including U.S. supermarkets, making it one of the best grocery cards around. Cash back is easily redeemable for statement credits.
Pros
Cons
Earn up to 6% cash back, redeemable for statement credits.
Intro APR on purchases and balance transfers.
Annual fee reduces value of cash back rewards.
Restrictions on bonus categories limit earning potential.
High penalty APR if you make a late payment.
Foreign transaction fee of 2.7% of each transaction after conversion to US dollars.
To see rates & fees for Blue Cash Preferred® Card from American Express please click here.
If you spend a lot on groceries, streaming services, gas and transit, you can have the potential to earn a large amount of cash back rewards with the Blue Cash Preferred® Card from American Express.
For example, if you max out the $6,000 spend threshold at U.S. supermarkets, you’ll earn $360 back on those purchases alone in a year. That more than covers the card’s annual fee, which is waived for the first year.
Additionally, if you need to finance a large purchase, you can get an intro APR of 0% on purchases for 12 months. Just know, once the promotional APR period ends, you will be subject to an APR of 18.99%-29.99% Variable if you carry a balance.
Earn a $250 statement credit after you spend $3,000 in 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. 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% for 12 months on purchases from the date of account opening, then a variable rate, 18.99% to 29.99%
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.
Get $7 back each month after using your Blue Cash Preferred Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
Terms Apply.
Welcome offer: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Rewards rate: 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.
Why we picked this card: The Blue Cash Preferred® Card from American Express earns up to a hefty 6% cash back on purchases, including U.S. supermarkets, making it one of the best grocery cards around. Cash back is easily redeemable for statement credits.
Pros
Cons
Earn up to 6% cash back, redeemable for statement credits.
Intro APR on purchases and balance transfers.
Annual fee reduces value of cash back rewards.
Restrictions on bonus categories limit earning potential.
High penalty APR if you make a late payment.
Foreign transaction fee of 2.7% of each transaction after conversion to US dollars.
To see rates & fees for Blue Cash Preferred® Card from American Express please click here.
If you spend a lot on groceries, streaming services, gas and transit, you can have the potential to earn a large amount of cash back rewards with the Blue Cash Preferred® Card from American Express.
For example, if you max out the $6,000 spend threshold at U.S. supermarkets, you’ll earn $360 back on those purchases alone in a year. That more than covers the card’s annual fee, which is waived for the first year.
Additionally, if you need to finance a large purchase, you can get an intro APR of 0% on purchases for 12 months. Just know, once the promotional APR period ends, you will be subject to an APR of 18.99%-29.99% Variable if you carry a balance.
Earn a $250 statement credit after you spend $3,000 in 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. 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% for 12 months on purchases from the date of account opening, then a variable rate, 18.99% to 29.99%
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.
Get $7 back each month after using your Blue Cash Preferred Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
Welcome offer: Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Rewards rate: Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%
Why we picked this card: 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% cash back on all purchases after that — with no annual fee. Cash back is redeemable for statement credits. There are no bonus categories to manage, and the card offers an intro APR of 0% on purchases for 12 months from date of account opening (followed by a 18.24% - 26.24% Variable APR).
Pros
Cons
Earn up to 2% cash back on purchases, redeemable for statement credits.
Intro APR on purchases.
Add employee cards at no extra cost.
Purchase protection and extended warranty protect purchases.
Generous cash back welcome offer.
Cash back bonus is limited to the first $50,000 spent each year.
No balance transfer 0% APR offer.
To see rates & fees for American Express Blue Business Cash™ Card please click here.
Small business owners can focus on their business while boosting their bottom line with up to 2% cash back on all purchases. You don’t have to register for any promotions or remember which categories qualify for bonus rewards. Instead, you’ll earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% unlimited cash back on all other purchases. Cash back is redeemable for statement credits.
This card also provides extra time to pay off your purchases, with an intro APR 0% on purchases for 12 months from date of account opening. After that, your APR is 18.24% - 26.24% Variable, depending on your creditworthiness.
New cardholders can also earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Business owners can add employee cards to track their purchases and earn rewards at no extra cost. Plus, the card includes purchase protection and an extended warranty on eligible purchases.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
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.
Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.24% - 26.24%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply
Welcome offer: Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Rewards rate: Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%
Why we picked this card: 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% cash back on all purchases after that — with no annual fee. Cash back is redeemable for statement credits. There are no bonus categories to manage, and the card offers an intro APR of 0% on purchases for 12 months from date of account opening (followed by a 18.24% - 26.24% Variable APR).
Pros
Cons
Earn up to 2% cash back on purchases, redeemable for statement credits.
Intro APR on purchases.
Add employee cards at no extra cost.
Purchase protection and extended warranty protect purchases.
Generous cash back welcome offer.
Cash back bonus is limited to the first $50,000 spent each year.
No balance transfer 0% APR offer.
To see rates & fees for American Express Blue Business Cash™ Card please click here.
Small business owners can focus on their business while boosting their bottom line with up to 2% cash back on all purchases. You don’t have to register for any promotions or remember which categories qualify for bonus rewards. Instead, you’ll earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% unlimited cash back on all other purchases. Cash back is redeemable for statement credits.
This card also provides extra time to pay off your purchases, with an intro APR 0% on purchases for 12 months from date of account opening. After that, your APR is 18.24% - 26.24% Variable, depending on your creditworthiness.
New cardholders can also earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Business owners can add employee cards to track their purchases and earn rewards at no extra cost. Plus, the card includes purchase protection and an extended warranty on eligible purchases.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
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.
Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.24% - 26.24%, based on your creditworthiness and other factors as determined at the time of account opening.
Welcome offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Rewards rate: 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.
Why we picked this card: People who are new to credit cards can earn valuable cash back with the Blue Cash Everyday® Card from American Express, particularly when it comes to common consumer purchases. This card earns up to 3% on several categories, including U.S. supermarkets. The card has no annual fee and includes an intro APR offer on balance transfers and purchases.
Pros
Cons
Earn up to 3% cash back.
No annual fee.
Intro APR offer on purchases and balance transfers.
Lucrative cash back welcome offer.
Monthly credits for Disney Bundle and Home Chef.
Bonus cash back limited to $6,000 in purchases in specific categories per year.
Monthly credits cover only a portion of subscription costs.
Foreign transaction fees of 2.7% of each transaction after conversion to US dollars.
High penalty APR if you miss a payment.
To see rates & fees for Blue Cash Everyday® Card from American Express please click here.
This card is ideal for people who are just learning about the value of credit card rewards. The Blue Cash Everyday® Card from American Express has no annual fee and earns up to 3% cash back on common household purchases. You’ll earn 3% on the first $6,000 you spend on each category in the U.S. — supermarkets, online retail purchases and gas stations. All other purchases earn an unlimited 1% cash back.
New cardholders can receive a welcome offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Additionally, this card offers an intro APR of 0% on purchases for 15 months and 0% on balance transfers for 15 months. After that, the APR is 18.99%-29.99% Variable.
The card also includes an annual Disney Bundle credit*, a Home Chef credit* and a complimentary ShopRunner membership*. ShopRunner provides free two-day shipping on eligible items at more than 100 online stores.
*Enrollment is required for these benefits.
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.99% to 29.99% 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 in purchases, then 1%.
Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
Terms Apply.
Welcome offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Rewards rate: 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.
Why we picked this card: People who are new to credit cards can earn valuable cash back with the Blue Cash Everyday® Card from American Express, particularly when it comes to common consumer purchases. This card earns up to 3% on several categories, including U.S. supermarkets. The card has no annual fee and includes an intro APR offer on balance transfers and purchases.
Pros
Cons
Earn up to 3% cash back.
No annual fee.
Intro APR offer on purchases and balance transfers.
Lucrative cash back welcome offer.
Monthly credits for Disney Bundle and Home Chef.
Bonus cash back limited to $6,000 in purchases in specific categories per year.
Monthly credits cover only a portion of subscription costs.
Foreign transaction fees of 2.7% of each transaction after conversion to US dollars.
High penalty APR if you miss a payment.
To see rates & fees for Blue Cash Everyday® Card from American Express please click here.
This card is ideal for people who are just learning about the value of credit card rewards. The Blue Cash Everyday® Card from American Express has no annual fee and earns up to 3% cash back on common household purchases. You’ll earn 3% on the first $6,000 you spend on each category in the U.S. — supermarkets, online retail purchases and gas stations. All other purchases earn an unlimited 1% cash back.
New cardholders can receive a welcome offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Additionally, this card offers an intro APR of 0% on purchases for 15 months and 0% on balance transfers for 15 months. After that, the APR is 18.99%-29.99% Variable.
The card also includes an annual Disney Bundle credit*, a Home Chef credit* and a complimentary ShopRunner membership*. ShopRunner provides free two-day shipping on eligible items at more than 100 online stores.
*Enrollment is required for these benefits.
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.99% to 29.99% 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 in purchases, then 1%.
Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
Welcome offer: $200 back after spending $2,000 or more in purchases with your card within the first 6 months of card membership.
Rewards rate: Unlimited 1.5% Cash Back on your purchases.
Why we picked this card: For new purchases, the American Express Cash Magnet® Card gives users a 0% introductory APR for the first 15 months from the date of account opening. It also offers a 0% introductory APR for the first 15 months from the date of account opening on balance transfers requested within 60 days of account opening. Once the intro period expires, you will have a 18.99% to 29.99% variable APR. The card also features a generous welcome offer, you’ll earn a high flat rewards rate without paying an annual fee.
Pros
Cons
Long intro APR on purchases and balance transfers.
Earn an unlimited 1.5% Cash Back on your purchases, redeemable for statement credits.
No annual fee.
Extended time to earn the welcome offer.
No bonus categories for higher rewards.
Does not include purchase protection or extended warranty benefits.
Foreign transaction fees of 2.7% of each transaction after conversion to US dollars.
High penalty APR of 29.99% variable if you miss a payment.
If you want a simple approach to earning rewards, the American Express Cash Magnet® Card is ideal, as there are no bonus earning categories or spending caps to keep track of.
Additionally, the card comes with a 0% introductory APR for the first 15 months from the date of account opening. This APR applies to purchases. Then a regular APR of 18.99% to 29.99% variable applies.
If you plan to use the American Express Cash Magnet® Card outside of the U.S., be aware that you will be subject to a foreign transaction fee of 2.7% of each transaction after conversion to US dollars.
$200 back after spending $2,000 or more in purchases with your card within the first 6 months of card membership.
Unlimited 1.5% Cash Back on your purchases.
Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, currently 18.99% to 29.99%.
Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
Amex Offers rewards you at places you like to shop, dine, travel, and more. You can add as many Offers as you’d like to your Card, then just use that Card to pay, and enjoy rewards directly on your statement.
Cash Back is received in the form of Reward Dollars that can be redeemed for statement credits.
No Annual Fee.
Terms Apply.
Welcome offer: $200 back after spending $2,000 or more in purchases with your card within the first 6 months of card membership.
Rewards rate: Unlimited 1.5% Cash Back on your purchases.
Why we picked this card: For new purchases, the American Express Cash Magnet® Card gives users a 0% introductory APR for the first 15 months from the date of account opening. It also offers a 0% introductory APR for the first 15 months from the date of account opening on balance transfers requested within 60 days of account opening. Once the intro period expires, you will have a 18.99% to 29.99% variable APR. The card also features a generous welcome offer, you’ll earn a high flat rewards rate without paying an annual fee.
Pros
Cons
Long intro APR on purchases and balance transfers.
Earn an unlimited 1.5% Cash Back on your purchases, redeemable for statement credits.
No annual fee.
Extended time to earn the welcome offer.
No bonus categories for higher rewards.
Does not include purchase protection or extended warranty benefits.
Foreign transaction fees of 2.7% of each transaction after conversion to US dollars.
High penalty APR of 29.99% variable if you miss a payment.
If you want a simple approach to earning rewards, the American Express Cash Magnet® Card is ideal, as there are no bonus earning categories or spending caps to keep track of.
Additionally, the card comes with a 0% introductory APR for the first 15 months from the date of account opening. This APR applies to purchases. Then a regular APR of 18.99% to 29.99% variable applies.
If you plan to use the American Express Cash Magnet® Card outside of the U.S., be aware that you will be subject to a foreign transaction fee of 2.7% of each transaction after conversion to US dollars.
$200 back after spending $2,000 or more in purchases with your card within the first 6 months of card membership.
Unlimited 1.5% Cash Back on your purchases.
Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, currently 18.99% to 29.99%.
Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
Amex Offers rewards you at places you like to shop, dine, travel, and more. You can add as many Offers as you’d like to your Card, then just use that Card to pay, and enjoy rewards directly on your statement.
Cash Back is received in the form of Reward Dollars that can be redeemed for statement credits.
No Annual Fee.
Terms Apply.
The information related to the American Express Cash Magnet® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Welcome offer: Earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months.
Rewards rate: Earn 3X Miles on Delta purchases and purchases made directly with hotels. Earn 2X Miles at restaurants worldwide, plus takeout and delivery in the U.S., and at U.S. supermarkets and earn 1X Miles on all other eligible purchases.
Why we picked this card: The Delta SkyMiles® Platinum American Express Card features a valuable welcome offer, as well as strong earning power and great money-saving perks for users. The Delta SkyMiles will add up quickly with bonus miles on Delta flights, hotels, U.S. restaurants and U.S. supermarkets. Plus, cardholders will be able to check their first bag for free and get priority boarding on Delta flights, will get a 15% discount on award flights and will receive an annual companion certificate that’s good for one domestic flight per year.
Pros
Cons
Earns up to 3x miles on purchases.
Large welcome offer.
Annual companion certificate for a domestic flight.
Complimentary checked bags and priority boarding.
15% discount on award tickets.
Annual fee is higher than most airline credit cards.
$50 fee for Delta Sky Club lounge access.
Limitations on bonus categories reduce earning opportunities.
High penalty APR if you miss a payment.
To see rates & fees for Delta SkyMiles® Platinum American Express Card please click here.
Travelers who prefer to fly on Delta Air Lines will find tremendous value with the Delta SkyMiles® Platinum American Express Card. New cardholders can earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months. Plus, you can Earn 3X Miles on Delta purchases and purchases made directly with hotels. Earn 2X Miles at restaurants worldwide, plus takeout and delivery in the U.S., and at U.S. supermarkets and earn 1X Miles on all other eligible purchases.
Despite its hefty $250 annual fee, the card’s benefits can easily outweigh the cost. Cardholders booking a Delta flight get the first checked bag free for themselves and up to eight other people on the same itinerary. They also receive Main Cabin 1 Priority Boarding. The card features an annual companion certificate that’s good for one Main Cabin round-trip domestic flight each year that you renew the card. Plus, you now get 15% off the miles required to book award flights as a cardholder.
Travelers who want to earn elite status can qualify for a Status Boost based on their spending. You’ll earn 10,000 Medallion Qualification Miles (MQMs) after spending $25,000 in a calendar year. You can earn up to 20,000 MQMs each year toward elite status.
Earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months.
Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
Enjoy your first checked bag free on Delta flights. Plus enjoy Main Cabin 1 Priority Boarding and settle into your seat sooner.
New: 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.
Earn 3X Miles on Delta purchases and purchases made directly with hotels.
Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
Earn 1X Miles on all other eligible purchases.
Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests when traveling on a Delta flight.
Fee Credit for Global Entry or TSA PreCheck® after you apply through any Authorized Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs up to two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
No Foreign Transaction Fees.
$250 Annual Fee.
Terms Apply.
Welcome offer: Earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months.
Rewards rate: Earn 3X Miles on Delta purchases and purchases made directly with hotels. Earn 2X Miles at restaurants worldwide, plus takeout and delivery in the U.S., and at U.S. supermarkets and earn 1X Miles on all other eligible purchases.
Why we picked this card: The Delta SkyMiles® Platinum American Express Card features a valuable welcome offer, as well as strong earning power and great money-saving perks for users. The Delta SkyMiles will add up quickly with bonus miles on Delta flights, hotels, U.S. restaurants and U.S. supermarkets. Plus, cardholders will be able to check their first bag for free and get priority boarding on Delta flights, will get a 15% discount on award flights and will receive an annual companion certificate that’s good for one domestic flight per year.
Pros
Cons
Earns up to 3x miles on purchases.
Large welcome offer.
Annual companion certificate for a domestic flight.
Complimentary checked bags and priority boarding.
15% discount on award tickets.
Annual fee is higher than most airline credit cards.
$50 fee for Delta Sky Club lounge access.
Limitations on bonus categories reduce earning opportunities.
High penalty APR if you miss a payment.
To see rates & fees for Delta SkyMiles® Platinum American Express Card please click here.
Travelers who prefer to fly on Delta Air Lines will find tremendous value with the Delta SkyMiles® Platinum American Express Card. New cardholders can earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months. Plus, you can Earn 3X Miles on Delta purchases and purchases made directly with hotels. Earn 2X Miles at restaurants worldwide, plus takeout and delivery in the U.S., and at U.S. supermarkets and earn 1X Miles on all other eligible purchases.
Despite its hefty $250 annual fee, the card’s benefits can easily outweigh the cost. Cardholders booking a Delta flight get the first checked bag free for themselves and up to eight other people on the same itinerary. They also receive Main Cabin 1 Priority Boarding. The card features an annual companion certificate that’s good for one Main Cabin round-trip domestic flight each year that you renew the card. Plus, you now get 15% off the miles required to book award flights as a cardholder.
Travelers who want to earn elite status can qualify for a Status Boost based on their spending. You’ll earn 10,000 Medallion Qualification Miles (MQMs) after spending $25,000 in a calendar year. You can earn up to 20,000 MQMs each year toward elite status.
Earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months.
Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
Enjoy your first checked bag free on Delta flights. Plus enjoy Main Cabin 1 Priority Boarding and settle into your seat sooner.
New: 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.
Earn 3X Miles on Delta purchases and purchases made directly with hotels.
Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
Earn 1X Miles on all other eligible purchases.
Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests when traveling on a Delta flight.
Fee Credit for Global Entry or TSA PreCheck® after you apply through any Authorized Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs up to two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
Welcome offer: Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the card in the first six months of card membership
Rewards rate: Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio. Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card 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.
Why we picked this card: The Hilton Honors American Express Surpass® Card includes a hefty welcome offer, high earnings potential and complimentary Gold elite status for a reasonable annual fee (enrollment required). Cardholders can also earn an annual free night certificate based on their annual spending.
Pros
Cons
Complimentary Gold elite status (enrollment required).
Upgrade to Diamond elite status based on annual purchases (enrollment required).
Annual free night based on spending.
Earn up to 12x points on purchases.
10 Priority Pass visits each year (enrollment required).
Must meet spending requirements to earn a free night.
Bonus categories are limited to U.S. merchants (except Hilton hotels).
Priority Pass limited to 10 visits per year.
No purchase protection or extended warranty benefits.
If you want to earn an ample amount of Hilton Honors points in a short period of time — which can later be redeemed at over 5,700 Hilton properties in 113 countries, including Waldorf Astoria Hotels & Resorts, Conrad Hotels & Resorts, DoubleTree by Hilton and Embassy Suites by Hilton — the Hilton Honors American Express Surpass® Card is a great option. You can earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the card in the first six months of card membership
In addition to the welcome offer, the card offers one of the highest rewards rates on hotel, U.S. dining, U.S. supermarket and U.S. gas purchases currently available.
The Hilton Honors American Express Surpass® Card also comes with premium travel benefits including complimentary Hilton Honors Gold status (enrollment required), a free weekend night reward from Hilton Honors when you spend $15,000 on eligible purchases in a calendar year and Priority Pass™ Select membership (enrollment required).
Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the card in the first six months of card membership
Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year (enrollment required).
$95 annual fee.
Terms Apply.
Welcome offer: Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the card in the first six months of card membership
Rewards rate: Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio. Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card 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.
Why we picked this card: The Hilton Honors American Express Surpass® Card includes a hefty welcome offer, high earnings potential and complimentary Gold elite status for a reasonable annual fee (enrollment required). Cardholders can also earn an annual free night certificate based on their annual spending.
Pros
Cons
Complimentary Gold elite status (enrollment required).
Upgrade to Diamond elite status based on annual purchases (enrollment required).
Annual free night based on spending.
Earn up to 12x points on purchases.
10 Priority Pass visits each year (enrollment required).
Must meet spending requirements to earn a free night.
Bonus categories are limited to U.S. merchants (except Hilton hotels).
Priority Pass limited to 10 visits per year.
No purchase protection or extended warranty benefits.
If you want to earn an ample amount of Hilton Honors points in a short period of time — which can later be redeemed at over 5,700 Hilton properties in 113 countries, including Waldorf Astoria Hotels & Resorts, Conrad Hotels & Resorts, DoubleTree by Hilton and Embassy Suites by Hilton — the Hilton Honors American Express Surpass® Card is a great option. You can earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the card in the first six months of card membership
In addition to the welcome offer, the card offers one of the highest rewards rates on hotel, U.S. dining, U.S. supermarket and U.S. gas purchases currently available.
The Hilton Honors American Express Surpass® Card also comes with premium travel benefits including complimentary Hilton Honors Gold status (enrollment required), a free weekend night reward from Hilton Honors when you spend $15,000 on eligible purchases in a calendar year and Priority Pass™ Select membership (enrollment required).
Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the card in the first six months of card membership
Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year (enrollment required).
$95 annual fee.
Terms Apply.
The information related to the Hilton Honors American Express Surpass has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Terms apply.
Earn 80,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
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 and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply.
Earn 70,000 Hilton Honors Bonus Points and a Free Night Reward after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership.
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 a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
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.
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
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 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months.
Earn 3X Miles on Delta purchases and purchases made directly with hotels. Earn 2X Miles at restaurants worldwide, plus takeout and delivery in the U.S., and at U.S. supermarkets and earn 1X Miles on all other eligible purchases.
Earn 125,000 Hilton Honors Bonus Points after you spend $2,000 or more in purchases with your new Card within the first 3 months of Card Membership.
Earn 12X Hilton Honors Bonus Points per dollar at hotels or resorts within the Hilton Portfolio, 6X Hilton Honors Bonus points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, 3X Hilton Honors Bonus points for all other purchases.
Getting an American Express credit card can be a good move for consumers and business owners alike. American Express offers credit cards that match the spending patterns, budget and lifestyle of almost anyone. In addition to earning miles, points or cash back, its cards offer valuable perks and annual credits that help to justify their annual fees.
Pros and cons
Most cards have consumer and small business versions to maximize benefits.
Membership Rewards points from different cards pool into one account.
Use the Amex Trifecta to maximize rewards.
Authorized users have separate card numbers from the primary cardholder.
“Once per lifetime” bonus rules restrict applicants.
Some cards have annual fees of $250 or higher.
American Express cards are not as widely accepted as Visa or Mastercard.
Where is American Express accepted?
American Express has made a concerted effort to expand the number of merchants that accept its cards. According to the latest Nilson Report, American Express cards are accepted by 99% of U.S. merchants that accept credit cards.
However, when you travel internationally, your American Express card is less likely to be accepted than a credit card with a Visa or Mastercard logo. Because of this, if your primary credit card is from American Express, it’s a good idea to bring a Visa or Mastercard credit card as a backup. Avoid choosing a card with foreign transaction fees of up to 3% on international purchases.
How to choose an American Express card
If you’re interested in getting an American Express card, follow these steps to narrow down your options and find one that matches your spending patterns, budget and reward preferences.
Make sure you can qualify for an American Express credit card
Your application for an American Express card can be declined if you have a less-than-great credit score. American Express primarily focuses on customers with stronger credit backgrounds. If you’re just getting started with credit or your credit score is poor or fair, you may need to improve your score to increase your approval odds.
Don’t know your credit score? Sign up for an account at LendingTree to get your free credit score and recommendations to boost your score.
FICO Score
VantageScore
300-579 is poor credit
580-669 is fair credit
670-739 is good credit
740-799 is very good credit
800-850 is exceptional credit
300-499 is very poor credit
500-600 is poor credit
601-660 is fair credit
661-780 is good credit
781-850 is excellent credit
Decide what type of credit card you want
American Express offers cards with a variety of benefits, rewards, annual fees and other features. You can narrow down the choices by considering which features are most important to you.
What type of user are you?
Choose a …
You want to earn points that you can use with any hotel or airline.
Rewards credit cards typically offer bonus categories with higher earnings for select categories. Review your spending patterns and select a card with bonus categories that are relevant to your spending.
The information related to The Amex EveryDay® Credit Card from American Express, The Amex EveryDay® Preferred Credit Card from American Express and American Express® Green Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.
Decide if you want to pay an annual fee
While some experts may recommend that you avoid paying annual fees on credit cards, this advice is a bit outdated. The better approach is to review a credit card’s earning power, annual credits and other benefits to determine if the annual fee is worth it.
Credit cards that earn or save money on items you were going to buy anyway easily justify paying an annual fee. For example, if you check bags when flying, paying an annual fee for a card that waives checked bag fees can save considerable money.
The Delta SkyMiles® Gold American Express Card has a $0 introductory annual fee for the first year, then $99. It includes the first checked bag free for you and up to eight companions traveling on the same reservation. With Delta charging $30 per bag each way, you can cover the annual fee very quickly.
To see rates & fees for Delta SkyMiles® Gold American Express Card please click here.
Consider other card benefits
While many cardholders focus on a card’s welcome bonus and earning power, other benefits can be much more valuable. Here are a few benefits that the best American Express credit cards offer and examples of cards that include each benefit.
No foreign transaction fees: When making international purchases, some cards charge foreign transaction fees of up to 3%. The Hilton Honors American Express Card does not charge foreign transaction fees.
To see rates & fees for Hilton Honors American Express Card please click here.
Lounge access: Having airport lounge access provides an oasis within airport terminals. Many of these lounges provide complimentary drinks, food, Wi-Fi and other benefits that enhance travel. Access to more than 1,400 lounges is included with The Platinum Card® from American Express.
Travel credits: Travel credits cover the cost of eligible travel expenses up to a stated maximum annual amount. The Business Platinum Card® from American Express includes up to a $200 airline fee credit and reimburses CLEAR application fees of $189 when using the card to pay for these charges (enrollment required).
Travel protections: Unexpected events such as canceled or delayed flights and lost bags can interrupt your travel plans. The Delta SkyMiles® Platinum American Express Card protects against trip delays, rental car damage and lost or stolen bags.
Purchase protection: If your items are stolen or accidentally damaged shortly after purchase, this coverage reimburses you. The American Express® Green Card covers your purchases for up to 90 days at up to $1,000 per item ($50,000 per year).
Return protection: When a merchant won’t accept a returned item, return protection reimburses you for eligible purchases The Amex EveryDay® Preferred Credit Card from American Express covers up to $300 per eligible item ($1,000 per year) within 90 days of purchase.
Extended warranty: This coverage adds an extra year to eligible manufacturers’ warranties without requiring you to purchase an extended warranty from the retailer. The Marriott Bonvoy Bevy™ American Express® Card adds up to one year on eligible warranties of five years or less.
How do Membership Rewards work?
American Express Membership Rewards are flexible points that can be redeemed in multiple ways. All Membership Rewards points earned from eligible American Express cards are automatically pooled into one account, so you don’t need to manually transfer them between accounts. If you have a small business, the Membership Rewards points from your linked personal and business cards also pool into one account.
Your points can be used in multiple ways, including booking travel with Amex Travel, shopping at Amazon, buying gift cards or getting statement credits. Each redemption option has a different point value. This means some options have lower values, while others are higher. Generally, transferring points to airline and hotel partners offers the highest value return for your points.
Membership Rewards redemption options
Transfer strategically to the right travel partner: ~2.2 cents
Get a flight, hotel, car rental, vacation package or cruise through the Membership Rewards portal: 0.75-1 cent
Use Amex points on Amazon.com: 0.7-1 cent
Redeem points for gift cards: 0.5-1.1 cents
Redeem points for statement credits: 0.6 cents
Buy merchandise with points: 0.5 cents
Donate points to charity: 0.7 cents
Membership Rewards cards
You’ll find a large variety of personal and business cards that earn Membership Rewards points. Some of these, such as the American Express Blue Business Plus Credit Card, make great partners with other Membership Rewards cards.
The information related to Business Green Rewards 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.
American Express travel partners
American Express allows you to transfer points to a large list of hotel and airline programs, including major American carrier Delta Air Lines. While most American Express transfer partners are on a 1:1 basis, not all miles and points are created equally. In some cases, you’ll receive a much higher value by selecting one transfer partner over another.
American Express offers periodic transfer promotions for which you’ll receive bonus rewards when transferring to select partners. These bonuses can greatly reduce the number of points you need to transfer to book an award flight or hotel reservation.
Also, keep in mind that point transfers are permanent. Once you transfer points to a partner, you cannot unwind that transfer.
Transfer partner
Airline alliance
Point transfer ratio
Aer Lingus
None
1,000:1,000
AeroMexico
SkyTeam
1,000:1,600
Air Canada
Star Alliance
1,000:1,000
Air France/KLM
SkyTeam
1,000:1,000
All Nippon Airways (ANA)
Star Alliance
1,000:1,000
Asia Miles
oneworld
1,000:1,000
Avianca
Star Alliance
1,000:1,000
British Airways
oneworld
1,000:1,000
Delta Air Lines
SkyTeam
1,000:1,000
Emirates
None
1,000:1,000
Etihad
None
1,000:1,000
Hawaiian Airlines
None
1,000:1,000
Iberia
oneworld
1,000:1,000
JetBlue
None
250:200
Qantas
oneworld
500:500
Singapore Airlines
Star Alliance
1,000:1,000
Virgin Atlantic
None
1,000:1,000
Choice Privileges
N/A
1,000:1,000
Hilton Honors
N/A
1,000:2,000
Marriott Bonvoy
N/A
1,000:1,000
How to apply for an American Express credit card
When you’re ready to apply for an American Express credit card, use these tips to increase your approval odds.
Know your credit score. American Express requires a minimum credit score of 660 for most of its cards. Check your score ahead of time to avoid applying if your score is too low.
Boost your credit. If your credit score is too low for the American Express card you want, take steps to increase your score. Paying down balances is a quick way to lower your utilization and boost your score.
Gather your personal information. You’ll need your personal information, such as date of birth, Social Security number and income, to apply for an American Express card. Assemble this information before applying so you can quickly complete your application.
Get preapproved. Applicants can use the American Express “Apply with Confidence” tool to see which card they are preapproved for. Preapproval does not affect your credit score unless you finalize your application.
Use the welcome offer qualification tool. One of the greatest benefits of applying for a new card is the welcome offer you can earn. American Express has a welcome offer qualification tool that warns applicants if they are ineligible for a bonus on the card for which they are applying.
How many American Express cards can you have?
Many American Express cardholders report being limited to five credit cards at one time. Some cards, such as The Platinum Card® from American Express or American Express® Gold Card, and corporate cards are not included in this total.
If you apply for a new American Express credit card and are at the limit, you could be declined for the new card. Alternatively, you may ask the reconsideration department to close an existing card in order to get approved for the new card.
Frequently asked questions
No, American Express does not currently offer a secured credit card. Instead, customers can purchase American Express prepaid gift cards if they are unable to qualify for one of its credit cards.
The minimum credit score needed to be approved for an American Express credit card varies based on which card you’re applying for. You may be approved for an American Express credit card with a credit score as low as 660.
Generally, American Express requires that you have good to excellent credit to be approved for one of its credit cards, although some cards will approve users with a credit score as low as 660, which is on the higher end of fair credit. If you have bad credit, you can use one of its prepaid card products while you are rebuilding your credit score.
American Express no longer offers cards that are officially considered charge cards. Some American Express cards have no preset limit but require cardholders to pay their balance in full each month — however, you can carry a balance for some purchases that qualify for special financing with these cards. Other American Express cards, such as the Delta SkyMiles® Gold American Express Card, are credit cards with standard APRs on purchases.
Many American Express credit cards waive foreign transaction fees, but some do charge this fee of up to 3%. The Platinum Card® from American Express, Hilton Honors American Express Card, Marriott Bonvoy Bevy™ American Express® Card and many others waive foreign transaction fees.
Some American Express cards include rental car and travel protections, but coverages and limits vary by card. These benefits are typically offered by travel-focused cards, such as The Platinum Card® from American Express, the Delta SkyMiles® Platinum American Express Card and the Marriott Bonvoy Brilliant® American Express® Card.
Methodology: How we chose the best American Express cards
To select the best American Express credit cards, our credit card experts compared the leading cards offered on the American Express website and LendingTree.com, including cash back cards, business cards, travel cards and more.
Although we primarily focused on American Express-branded cards, we also considered American Express co-branded credit cards.
We then chose our top picks based on a variety of factors, like rewards rates, welcome offers, annual fees and introductory purchase APRs. Additionally, we looked at the benefits offered by each card, such as travel credits, travel protections and complimentary lounge access.
To see rates & fees for The Business Platinum Card® from American Express please click here.
To see rates & fees for The Platinum Card® from American Express please click here.
To see rates & fees for Hilton Honors American Express Card please click here.
To see rates & fees for Blue Cash Preferred® Card from American Express please click here.
To see rates & fees for American Express Blue Business Cash™ Card please click here.
To see rates & fees for Blue Cash Everyday® Card from American Express please click here.
To see rates & fees for Delta SkyMiles® Platinum American Express Card please click here.
To see rates & fees for Delta SkyMiles® Gold American Express Card please click here.
Tracy Brackman
Expertise: Credit cards, credit scoring, personal finance
Education: Ohio State University, Florida International University
Tracy Brackman is a senior editor and credit card expert at LendingTree, where she writes and edits educational pieces on credit card-related topics and personal finance using her 12+ years of experience in the field.
Before joining LendingTree in 2019, Tracy worked as a products editor for CreditCards.com, where she developed the credit card products section and created content focused on breaking credit card news.
Prior to that, she worked as a product information manager for Bankrate, where she managed the financial and credit card product details and maintained compliance for two affiliate networks, as well as Bankrate-owned and operated sites.
She began working in the credit card space in 2009 as the editorial department manager for FlexOffers, an affiliate marketing company.
Tracy studied marketing at the Ohio State University and Florida International University.
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