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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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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.

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Best American Express Credit Cards in 2024

Headshot of JT GenterWritten by
JT Genter
Headshot of Robin RatcliffEdited by
Robin Ratcliff
Updated on:
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

The American Express® Gold Card is our top pick due to its high earning rate on food purchases — both at restaurants worldwide and U.S. supermarkets — plus 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 more than 20 airline and hotel partners.
  • Amex 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 reach your travel goals faster.

9 Top American Express cards​

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Winner (Travel points)

American Express® Gold Card*

American Express<sup>®</sup> Gold Card American Express<sup>®</sup> Gold Card
LendingTree's Review

How LendingTree Rates Credit Cards?

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.

4.3
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Rewards: 1x-4x points
Earn 4X Membership Rewards® Points at Restaurants (on up to $50,000 per calendar year in purchases, then 1X), 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. Earn 2X Membership Rewards® points on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards® point on all other eligible purchases. Terms Apply
Annual Fee$325
Intro Purchase APRN/A
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
Get Your Free Credit Score
  • Earn elevated rewards at restaurants worldwide and U.S. supermarkets
  • Large welcome offer
  • Up to $524 in annual perks and credits
  • Points can be transferred to more than 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 more than 20 airline and hotel loyalty programs, making them very valuable.

By utilizing the card’s statement credits, card members can fully offset the card’s $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.

  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
  • 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 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. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
  • $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.
  • $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.
  • 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.
*The information related to the American Express® Gold Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. 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
LendingTree's Review

How LendingTree Rates Credit Cards?

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.

4.5
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Rewards: 1x-5x points
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.
Annual Fee$695
Intro Purchase APRN/A
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
Get Your Free Credit Score
  • Earn 5x points on directly booked flights and prepaid hotels booked through Amex Travel
  • Hilton Gold and Marriott Gold elite status (enrollment required)
  • Access to the world’s largest airport lounge network, including Delta SkyClub and Centurion lounges
  • Over $1,000 in annual statement credits can more than offset the annual fee
  • Points can be transferred to more than 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 almost all purchases

The Platinum Card® from American Express is arguably the best premium travel card for frequent travelers. Cardmembers get access to over 1,400 airport lounges, complimentary Marriott Gold and Hilton Gold status* and well over $1,000 in annual travel and shopping statement credits.

Travel credits include an annual $200 hotel credit, an annual airline fee credit of up to $200*, a Global Entry or TSA PreCheck application fee credit of up to $120*, up to $200 annually ($15 monthly, $20 in December) in Uber Cash toward U.S. eats and rides* and an annual CLEAR® Plus membership credit of up to $199*. Other benefits include up to a $240 digital entertainment credit*, up to a $100 Saks Fifth Avenue credit* and up to $155 in credits for Walmart+*.

*Enrollment required.

  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new 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 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.
  • 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 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $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®.
  • $200 Uber Cash: Platinum Card® Members can get out and about and explore their local area with $15 in Uber Cash for US rides each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. Simply download the Uber app and add your Platinum Card® to your Uber account to get started. Available to Basic Card Member only. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
  • $199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • 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.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 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.
*The information related to the The Platinum 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 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
LendingTree's Review

How LendingTree Rates Credit Cards?

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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Rewards: 1x-5x points
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 each eligible purchase 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, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
Annual Fee$695
Intro Purchase APRN/A
Regular Purchase APR18.74% - 27.74% 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
  • Substantial welcome offer
  • Earn 5x points on directly booked 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 $1,000 in potential statement credits annually
  • Points can be transferred to more than 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 over 1,400 airport lounges through the Amex Global Lounge Collection, up to $200 in airline fee credits*, hotel elite status with Marriott and Hilton*, $199 annual CLEAR Plus credit* and a Global Entry or TSA PreCheck application fee credit*.

Transfer points to over 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.
  • 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 each eligible purchase 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, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
  • Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
  • $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 the Card.
  • $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
  • 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 03/2023.
  • $695 Annual Fee.
  • Terms Apply.
*The information related to the The Business Platinum 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 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
LendingTree's Review

How LendingTree Rates Credit Cards?

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.

4.6
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Rewards: 1%-6% cash back*
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.
Annual Fee$0 intro annual fee for the first year, then $95.
Intro Purchase APR0% on purchases for 12 months
Regular Purchase APR18.49%-29.49% 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
  • Earn up to 6% cash back* on U.S. supermarket purchases ($6,000 in purchases yearly)
  • Plus earn 3% cash back* on transit and at U.S. gas stations
  • Intro APR on purchases and balance transfers
  • Up to $84 in annual statement credits for Disney Bundle (enrollment required)
  • Annual fee
  • 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. 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 18.49%-29.49% 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. 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% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.49% - 29.49%.
  • 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.
  • 3% Cash Back 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.
*The information related to the Blue Cash Preferred® 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 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
LendingTree's Review

How LendingTree Rates Credit Cards?

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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on American Express's secure site

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 18.49%-29.49% Variable

Annual Fee$0
Intro Purchase APR0% on purchases for 15 months
Regular Purchase APR18.49%-29.49% 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
  • 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
  • No annual fee
  • 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 no-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 18.49%-29.49% 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, 18.49% to 29.49% 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.
  • Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
  • 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.
*The information related to the Blue Cash Everyday® 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 no annual fee card

Hilton Honors American Express Card*

Hilton Honors American Express Card Hilton Honors American Express Card
LendingTree's Review

How LendingTree Rates Credit Cards?

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.

3.2
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Rewards: 3x-7x points
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.
Annual Fee$0
Intro Purchase APRN/A
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
  • Automatic Silver elite status (enrollment required) 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
  • Travelers seeking Gold status should get the Hilton Surpass rather than dedicating $20,000 in spending on this card
  • No free anniversary night, as is offered on many other hotel credit cards

The Hilton Honors American Express Card offers card members 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 plus receive automatic Silver elite status (enrollment required). Travelers also enjoy rental car protections3 when booking cars with their Hilton credit card. Additionally, foreign transaction fees are waived — 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 after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025.
  • 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.
*The information related to the Hilton Honors American Express Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. 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
LendingTree's Review

How LendingTree Rates Credit Cards?

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
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Rewards: 3x-14x points
14X points on eligible purchases at hotels or resorts in the Hilton Portfolio, 7X points on flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies and U.S. restaurants and 3X points on other purchases
Annual Fee$550
Intro Purchase APRN/A
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*
  • Earn 14x points on Hilton purchases
  • Up to $600 in travel credits can more than offset the annual fee*
  • Get an annual free night reward redeemable at almost any Hilton property worldwide
*Enrollment required.

  • 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, plus get an annual free night redeemable at almost any Hilton property worldwide.

The card offers up to $400 in annual Hilton resort credits and up to $200 in annual flight credits. If fully utilized, these credits more than offset the card’s significant annual fee. However, these credits are divvied up into two $200 semi-annual resort credits and four $50 quarterly flight credits — making it harder to take full advantage of them.

  • 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 flight credit (up to $50 per quarter)
  • 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
LendingTree's Review

How LendingTree Rates Credit Cards?

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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Rewards: 2% cash back on up to $50,000 in purchases each year (redeemable for statement credits)
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%
Annual FeeNo annual fee
Intro Purchase APR0% on purchases for 12 months from date of account opening
Regular Purchase APR17.74% - 25.74% 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 17.74% - 25.74% 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, 17.74% – 25.74%, 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
*The information related to the The American Express Blue Business Cash™ Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. 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
LendingTree's Review

How LendingTree Rates Credit Cards?

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
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on American Express's secure site

Rewards: 1x-3x miles
Earn 3X Miles on Delta purchases. Earn 1X Mile on all other eligible purchases.
Annual Fee$650
Intro Purchase APRN/A
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 Delta Sky Club® and Centurion Lounge 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 will be restricted to 15 visits per year effective Feb. 1, 2025
  • 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 the Delta Sky Club and Amex Centurion Lounges when you fly Delta. 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 a MQD Boost of MDQ per $10 in purchases charged to your card. Medallion elites get upgrade priority over other Delta Medallion elites of the same tier, while non-elite cardmembers get added to the upgrade list.

  • Earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
  • Enjoy complimentary access to the Delta Sky Club® when you fly Delta. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter. Once all 15 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club Visits at a per-Visit rate of $50 per person using the Card.
  • Receive four Delta Sky Club® One-Time Guest Passes each year when you fly Delta so you can share the experience with family and friends.
  • Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
  • Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
  • Earn $1 Medallion® Qualification Dollar for each $10 of purchases made on your Delta SkyMiles® Reserve American Express Card in a calendar year and get a boost toward achieving elevated Medallion Status for next Medallion Year.
  • Receive a Companion Certificate on a Main Cabin round-trip flight within the U.S. and to Mexico, the Caribbean, or Central America each year after renewal of your Card. The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for round-trip domestic flights and no more than $250 for round-trip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • $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 Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class.
  • Delta SkyMiles® Reserve American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
  • 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.
*The information related to the Delta SkyMiles® Reserve American Express Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
  • Amex offers a range of cards to fit most cardholder’s needs.
  • Many Amex cards have consumer and small business versions.
  • Cardmembers 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.

The information related to the American Express® Gold Card, The Platinum Card® from American Express, The Business Platinum Card® from American Express, Blue Cash Preferred® Card from American Express, Blue Cash Everyday® Card from American Express, Hilton Honors American Express Card, Hilton Honors Aspire Card from American Express, The American Express Blue Business Cash™ Card, Delta SkyMiles® Reserve American Express Card, American Express® Green Card, American Express® Business Gold Card, Business Green Rewards Card from American Express, Amex EveryDay® Credit Card from American Express, Amex EveryDay® Preferred Credit Card from American Express, The Blue Business® Plus Credit Card from American Express, Delta SkyMiles® Gold American Express Card, Marriott Bonvoy Bevy™ American Express® Card, Delta SkyMiles® Platinum American Express Card and Marriott Bonvoy Brilliant® American Express® Card has been 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.

JT Genter

JT is a freelance writer who has written about credit cards and points & miles since 2015. He published over 2,000 articles on The Points Guy and can now be found writing for ValuePenguin, NerdWallet, Forbes Advisor and AwardWallet. Since June 2017, JT and his wife have traveled full-time as digital nomads — using points, miles and credit card benefits to drastically reduce the cost of living on the road.

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