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Best American Express Credit Cards of 2022

*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 December 9, 2021 . Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

The Blue Cash Preferred® Card from American Express is our pick for best overall American Express card — thanks to its generous cashback rate in popular spending categories like groceries and gas, its solid welcome offer and an affordable annual fee. Plus, the card offers a promotional intro APR on purchases for a year.

If you’re a consumer or small business owner who wants the prestige and benefits that come with carrying an American Express credit card, there are certainly plenty to choose from. American Express offers a wide range of cards, including cashback, travel and business cards, as well as co-branded airline and hotel cards.

While some of these cards offer benefits like 0% intro APRs on purchases and $0 annual fees, others come with lucrative welcome offer and premium perks, like travel credits and complimentary lounge access.

To help you determine which American Express credit card is the right fit for you, we reviewed the top credit cards available on American Express’ site, as well as American Express cards listed on LendingTree. Here are our picks for the best American Express cards for the following categories:

Best American Express Credit Cards of 2022
Best overall American Express credit card Blue Cash Preferred® Card from American Express
Best for dining rewards American Express® Gold Card
Best for premium travel benefits The Platinum Card® from American Express
Best for a simple rewards structure American Express Cash Magnet® Card
Best for airline rewards Delta SkyMiles® Gold American Express Card
Best for hotel rewards Hilton Honors American Express Surpass® Card
Best for business owners The Blue Business® Plus Credit Card from American Express
Best for premium business travel The Business Platinum Card® from American Express

 

Best For Overall American Express credit card

Blue Cash Preferred<sup>®</sup> Card from American Express

Blue Cash Preferred® Card from American Express

Apply Now
on American Express's secure site
Terms Apply
Intro Purchase APR 0% on purchases for 12 months
Annual Fee $0 introductory annual fee for the first year, then $95
Regular Purchase APR 13.99%-23.99% Variable

The Blue Cash Preferred® Card from American Express is a well-rounded card that offers a generous cashback rate on everyday purchases, a solid welcome offer and an intro APR on purchases.

Cardholders receive 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.

Additionally, new card members receive a welcome offer of $300 back after you spend $3,000 in purchases on your new card within the first 6 months. Cash back is received in the form of Reward Dollars, which can be redeemed for statement credits.

The Blue Cash Preferred® Card from American Express offers an intro APR of 0% on purchases for 12 months. After that, a 13.99%-23.99% variable APR applies.

Cardholders also enjoy a $0 introductory annual fee for the first year, then $95.

To see rates & fees for the 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 cashback 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 after the first year of card membership.

Additionally, if you need to finance a big purchase, you can do so without incurring interest charges for a year. Just know, once the promotional APR period ends, you will be subject to interest charges at an APR of 13.99%-23.99% variable if you carry a balance on your card from month to month.

To see rates & fees for the Blue Cash Preferred® Card from American Express, please click here.

Additional Blue Cash Preferred® Card from American Express benefits include:

  • Car rental loss and damage insurance
  • Global Assist® Hotline
  • Return protection
  • Access to American Express experiences
  • Fraud protection
  • Year-end summary
  • Pay It Plan It®
  • Terms apply

The Blue Cash Preferred® Card from American Express is a well-rounded card that offers a generous cashback rate on everyday purchases, a solid welcome offer and an intro APR on purchases.

Cardholders receive 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.

Additionally, new card members receive a welcome offer of $300 back after you spend $3,000 in purchases on your new card within the first 6 months. Cash back is received in the form of Reward Dollars, which can be redeemed for statement credits.

The Blue Cash Preferred® Card from American Express offers an intro APR of 0% on purchases for 12 months. After that, a 13.99%-23.99% variable APR applies.

Cardholders also enjoy a $0 introductory annual fee for the first year, then $95.

To see rates & fees for the 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 cashback 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 after the first year of card membership.

Additionally, if you need to finance a big purchase, you can do so without incurring interest charges for a year. Just know, once the promotional APR period ends, you will be subject to interest charges at an APR of 13.99%-23.99% variable if you carry a balance on your card from month to month.

To see rates & fees for the Blue Cash Preferred® Card from American Express, please click here.

Additional Blue Cash Preferred® Card from American Express benefits include:

  • Car rental loss and damage insurance
  • Global Assist® Hotline
  • Return protection
  • Access to American Express experiences
  • Fraud protection
  • Year-end summary
  • Pay It Plan It®
  • Terms apply

Best For American Express dining rewards

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

American Express® Gold Card

Apply Now
on American Express's secure site
Terms Apply
Intro Purchase APR N/A
Annual Fee $250
Regular Purchase APR See Pay Over Time APR

With the American Express® Gold Card, members earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, 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. Additionally, earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.

Points can be redeemed for statement credits, travel, merchandise, gift cards and more. Plus, they can also be transferred to several travel loyalty programs, including Delta SkyMiles®, Emirates Skywards, JetBlue TrueBlue and Marriott Bonvoy™.

The American Express® Gold Card charges an annual fee of $250. That said, the card also offers an annual dining and Uber credit — which makes up for the annual fee each year.

To see rates & fees for the American Express® Gold Card, please click here.

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 your American Express® Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed and participating Shake Shack locations — for savings of up to $120 annually. Note, 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 Uber rides in the U.S.

We should note, while some dining credit cards only offer an accelerated rewards rate at U.S. restaurants, the American Express® Gold Card offers the higher rate at restaurants worldwide. As for foreign transaction fees: there are none. This means you won’t be charged additional fees to use your card outside of the U.S.

To see rates & fees for the American Express® Gold Card, please click here.

American Express® Gold Card benefits also include:

  • Up to $120 in dining credit annually at participating restaurants (enrollment required)
  • Up to $120 Uber Cash annually when you add your card to your Uber account ($10 in Uber Cash each month for Uber Eats orders and Uber rides in the U.S.)
  • 4X Membership Rewards points for each Uber Eats purchase on your card
  • $100 onsite credit for qualifying activities when you book The Hotel Collection with American Express Travel
  • Global Assist Hotline
  • Baggage Insurance Plan
  • Car rental loss and damage insurance
  • American Express preferred seating
  • Year-end summary
  • Terms apply

With the American Express® Gold Card, members earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, 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. Additionally, earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.

Points can be redeemed for statement credits, travel, merchandise, gift cards and more. Plus, they can also be transferred to several travel loyalty programs, including Delta SkyMiles®, Emirates Skywards, JetBlue TrueBlue and Marriott Bonvoy™.

The American Express® Gold Card charges an annual fee of $250. That said, the card also offers an annual dining and Uber credit — which makes up for the annual fee each year.

To see rates & fees for the American Express® Gold Card, please click here.

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 your American Express® Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed and participating Shake Shack locations — for savings of up to $120 annually. Note, 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 Uber rides in the U.S.

We should note, while some dining credit cards only offer an accelerated rewards rate at U.S. restaurants, the American Express® Gold Card offers the higher rate at restaurants worldwide. As for foreign transaction fees: there are none. This means you won’t be charged additional fees to use your card outside of the U.S.

To see rates & fees for the American Express® Gold Card, please click here.

American Express® Gold Card benefits also include:

  • Up to $120 in dining credit annually at participating restaurants (enrollment required)
  • Up to $120 Uber Cash annually when you add your card to your Uber account ($10 in Uber Cash each month for Uber Eats orders and Uber rides in the U.S.)
  • 4X Membership Rewards points for each Uber Eats purchase on your card
  • $100 onsite credit for qualifying activities when you book The Hotel Collection with American Express Travel
  • Global Assist Hotline
  • Baggage Insurance Plan
  • Car rental loss and damage insurance
  • American Express preferred seating
  • Year-end summary
  • Terms apply

Best For Premium travel benefits

The Platinum Card<sup>®</sup> from American Express

The Platinum Card® from American Express

Apply Now
on American Express's secure site
Terms Apply
Intro Purchase APR N/A
Annual Fee $695
Regular Purchase APR See Pay Over Time APR

Along with a lucrative welcome offer and rewards rate, The Platinum Card® from American Express offers a variety of premium travel benefits.

Cardholders earn 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply. Plus, receive 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.

Membership Rewards points can be redeemed for gift cards, travel, merchandise or to cover previous charges. Points can also be transferred to a number of travel transfer partners, mostly at a rate of 1:1.

The Platinum Card® from American Express also comes with a number of valuable travel benefits, including a hotel credit, airline fee credit, an Uber credit and much more. Just know, the premium benefits come with a premium annual fee of $695.

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 $179. As for foreign transactions fees — there are none.

Other benefits include a $300 Equinox credit, a $240 digital entertainment credit, a $200 Uber credit, an annual Saks Fifth Avenue credit of $100 and Global Dining Access by Resy.

Cardholders also receive automatic Marriott Bonvoy Gold Elite status and Hilton Honors Gold status, (enrollment required).

To see rates & fees for The Platinum Card® from American Express, please click here.

Additional The Platinum Card® from American Express benefits (note, enrollment may be required for some benefits):

  • $200 hotel credit each year on select prepaid hotel bookings with American Express Travel
  • Up to $200 airline fee credit
  • Up to $300 Equinox credit (enrollment required)
  • Up to $200 in Uber Cash for rides or eats orders in the U.S.
  • $240 digital entertainment credit (enrollment required)
  • $155 Walmart+ credit (enrollment required)
  • Global Entry or TSA Precheck credit
  • $100 Saks Fifth Avenue credit (enrollment required)
  • Up to $179 CLEAR membership credit per year
  • Global Dining Access by Resy
  • Marriott Bonvoy Gold Elite status (enrollment required)
  • Hilton Honors Gold status (enrollment required)
  • Premium car rental status (enrollment required)
  • Car rental loss and damage insurance
  • Trip delay insurance
  • Trip cancellation and interruption insurance
  • Platinum Card Concierge
  • Preferred seating
  • Return protection
  • Purchase protection
  • Extended warranty
  • Terms apply

Along with a lucrative welcome offer and rewards rate, The Platinum Card® from American Express offers a variety of premium travel benefits.

Cardholders earn 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply. Plus, receive 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.

Membership Rewards points can be redeemed for gift cards, travel, merchandise or to cover previous charges. Points can also be transferred to a number of travel transfer partners, mostly at a rate of 1:1.

The Platinum Card® from American Express also comes with a number of valuable travel benefits, including a hotel credit, airline fee credit, an Uber credit and much more. Just know, the premium benefits come with a premium annual fee of $695.

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 $179. As for foreign transactions fees — there are none.

Other benefits include a $300 Equinox credit, a $240 digital entertainment credit, a $200 Uber credit, an annual Saks Fifth Avenue credit of $100 and Global Dining Access by Resy.

Cardholders also receive automatic Marriott Bonvoy Gold Elite status and Hilton Honors Gold status, (enrollment required).

To see rates & fees for The Platinum Card® from American Express, please click here.

Additional The Platinum Card® from American Express benefits (note, enrollment may be required for some benefits):

  • $200 hotel credit each year on select prepaid hotel bookings with American Express Travel
  • Up to $200 airline fee credit
  • Up to $300 Equinox credit (enrollment required)
  • Up to $200 in Uber Cash for rides or eats orders in the U.S.
  • $240 digital entertainment credit (enrollment required)
  • $155 Walmart+ credit (enrollment required)
  • Global Entry or TSA Precheck credit
  • $100 Saks Fifth Avenue credit (enrollment required)
  • Up to $179 CLEAR membership credit per year
  • Global Dining Access by Resy
  • Marriott Bonvoy Gold Elite status (enrollment required)
  • Hilton Honors Gold status (enrollment required)
  • Premium car rental status (enrollment required)
  • Car rental loss and damage insurance
  • Trip delay insurance
  • Trip cancellation and interruption insurance
  • Platinum Card Concierge
  • Preferred seating
  • Return protection
  • Purchase protection
  • Extended warranty
  • Terms apply

Best For Simple rewards structure

American Express Cash Magnet® Card

Highlights
  • $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 13.99% to 23.99%.
  • 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 American Express Cash Magnet® Card offers a flat cashback rewards rate and a welcome offer that’s fairly easy to obtain. Cardholders earn unlimited 1.5% cash back on your purchases. Plus, get $200 back after spending $2,000 or more in purchases with your card within the first 6 months of card membership.

Cashback rewards are received in the form of Reward Dollars, which can be redeemed for statement credits.

The American Express Cash Magnet® Card charges a $0 annual fee.

If you want a simple approach to earning rewards, the American Express Cash Magnet® Card is ideal, since there are no bonus earning categories or spending caps to keep track of.

Additionally, the card comes with an intro APR of 0% on purchases for 15 months, then a regular APR of 13.99%-23.99% variable applies.

If you plan to use the American Express Cash Magnet® Card outside of the U.S., beware that you will be subject to foreign transaction fees of 2.7% of each transaction after conversion to US dollars.

 

  • Car rental loss and damage insurance
  • Global Assist Hotline
  • American Express Experiences
  • Terms apply

The American Express Cash Magnet® Card offers a flat cashback rewards rate and a welcome offer that’s fairly easy to obtain. Cardholders earn unlimited 1.5% cash back on your purchases. Plus, get $200 back after spending $2,000 or more in purchases with your card within the first 6 months of card membership.

Cashback rewards are received in the form of Reward Dollars, which can be redeemed for statement credits.

The American Express Cash Magnet® Card charges a $0 annual fee.

If you want a simple approach to earning rewards, the American Express Cash Magnet® Card is ideal, since there are no bonus earning categories or spending caps to keep track of.

Additionally, the card comes with an intro APR of 0% on purchases for 15 months, then a regular APR of 13.99%-23.99% variable applies.

If you plan to use the American Express Cash Magnet® Card outside of the U.S., beware that you will be subject to foreign transaction fees of 2.7% of each transaction after conversion to US dollars.

 

  • Car rental loss and damage insurance
  • Global Assist Hotline
  • American Express Experiences
  • 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.

Best For Airline rewards

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

Delta SkyMiles® Gold American Express Card

Apply Now
on American Express's secure site
Terms Apply
Intro Purchase APR N/A
Annual Fee $0 introductory annual fee for the first year, then $99.
Regular Purchase APR 15.74%-24.74% Variable

The Delta SkyMiles® Gold American Express Card lets cardholders earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets. Additionally, the card offers the following 40,000 Bonus Miles after you spend $1,000 in purchases on your new Card in your first 3 months.

Delta SkyMiles can be redeemed for airfare on Delta flights, SkyMiles Experiences, gift cards, merchandise and magazine subscriptions. You can also use Delta SkyMiles to purchase travel on partner airlines when booked through Delta, including Aeromexico, Air France, Hawaiian Airlines and more.

The Delta SkyMiles® Gold American Express Card comes with a $0 introductory annual fee for the first year, then $99.

To see rates & fees for the Delta SkyMiles® Gold American Express Card please click here.

If you regularly fly on Delta Air Lines and spend a decent amount on dining out each month, the Delta SkyMiles® Gold American Express Card provides a good opportunity to earn an influx of rewards to use toward future travel.

The card also offers several valuable airline benefits, such as a $100 Delta flight credit when you spend $10,000 in purchases on your card in a calendar year, first checked bag free on Delta flights, Main Cabin 1 priority boarding and 20% savings on in-flight purchases. As for foreign transaction fees, there are none.

 

To see rates & fees for the Delta SkyMiles® Gold American Express Card please click here.

Additional Delta SkyMiles® Gold American Express Card benefits:

  • First checked bag free on Delta flights
  • $100 Delta flight credit when you spend $10,000 in purchases on your card in a calendar year
  • 20% back on in-flight purchases
  • Car rental loss and damage insurance
  • Global Assist Hotline
  • Purchase protection
  • Extended warranty
  • American Express Warranty
  • Fraud protection
  • Year-end summary
  • Terms apply

The Delta SkyMiles® Gold American Express Card lets cardholders earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets. Additionally, the card offers the following 40,000 Bonus Miles after you spend $1,000 in purchases on your new Card in your first 3 months.

Delta SkyMiles can be redeemed for airfare on Delta flights, SkyMiles Experiences, gift cards, merchandise and magazine subscriptions. You can also use Delta SkyMiles to purchase travel on partner airlines when booked through Delta, including Aeromexico, Air France, Hawaiian Airlines and more.

The Delta SkyMiles® Gold American Express Card comes with a $0 introductory annual fee for the first year, then $99.

To see rates & fees for the Delta SkyMiles® Gold American Express Card please click here.

If you regularly fly on Delta Air Lines and spend a decent amount on dining out each month, the Delta SkyMiles® Gold American Express Card provides a good opportunity to earn an influx of rewards to use toward future travel.

The card also offers several valuable airline benefits, such as a $100 Delta flight credit when you spend $10,000 in purchases on your card in a calendar year, first checked bag free on Delta flights, Main Cabin 1 priority boarding and 20% savings on in-flight purchases. As for foreign transaction fees, there are none.

 

To see rates & fees for the Delta SkyMiles® Gold American Express Card please click here.

Additional Delta SkyMiles® Gold American Express Card benefits:

  • First checked bag free on Delta flights
  • $100 Delta flight credit when you spend $10,000 in purchases on your card in a calendar year
  • 20% back on in-flight purchases
  • Car rental loss and damage insurance
  • Global Assist Hotline
  • Purchase protection
  • Extended warranty
  • American Express Warranty
  • Fraud protection
  • Year-end summary
  • Terms apply

Best For Hotel rewards

Hilton Honors American Express Surpass

Highlights
  • Earn up to 180,000 Hilton Honors Bonus Points after you spend $2,000 on purchases in the first 3 months of card membership.
  • Plus, you can earn 50,000 more points after spending an additional $8,000 on the card in the first 6 months of card membership
  • $95 annual fee
  • Enjoy complimentary Hilton Honors Gold status with your card. 

The Hilton Honors American Express Surpass® Card offers an extremely high welcome offer with a low initial spend requirement: 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership. Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.

Cardholders also 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.

Along with hotel stays, points can be redeemed for experiences, Lyft rides, merchandise and rental cars. They can also be transferred to travel transfer partners, like British Airways Executive Club, Delta SkyMiles, Marriott Bonvoy, Singapore KrisFlyer and Virgin Atlantic Flying Club.

The Hilton Honors American Express Surpass® Card charges a $95 annual fee.

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.

In addition to the welcome bonus, the card offers one of the highest rewards rates on hotel, dining, supermarket and gas purchases currently available.

The Hilton Honors American Express Surpass® Card also comes with the premium travel benefits, like complimentary Hilton Honors Gold status, 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.

  • Complimentary Hilton Honors Gold status
  • Free weekend night rewards
  • Complimentary lounge visits
  • Car rental loss and damage insurance
  • Global Assist Hotline
  • American Express Experiences
  • Terms apply

The Hilton Honors American Express Surpass® Card offers an extremely high welcome offer with a low initial spend requirement: 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership. Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.

Cardholders also 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.

Along with hotel stays, points can be redeemed for experiences, Lyft rides, merchandise and rental cars. They can also be transferred to travel transfer partners, like British Airways Executive Club, Delta SkyMiles, Marriott Bonvoy, Singapore KrisFlyer and Virgin Atlantic Flying Club.

The Hilton Honors American Express Surpass® Card charges a $95 annual fee.

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.

In addition to the welcome bonus, the card offers one of the highest rewards rates on hotel, dining, supermarket and gas purchases currently available.

The Hilton Honors American Express Surpass® Card also comes with the premium travel benefits, like complimentary Hilton Honors Gold status, 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.

  • Complimentary Hilton Honors Gold status
  • Free weekend night rewards
  • Complimentary lounge visits
  • Car rental loss and damage insurance
  • Global Assist Hotline
  • American Express Experiences
  • 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.

Best For Small business owners

The Blue Business<sup>®</sup> Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express

Apply Now
on American Express's secure site
Terms Apply
Intro Purchase APR 0% on purchases for 12 months from date of account opening
Annual Fee No annual fee
Regular Purchase APR 13.24% - 19.24% Variable

Along with offering rewards on company-related expenses, like office supplies, The Blue Business® Plus Credit Card from American Express offers an interest-free period on purchases for an entire year and no annual fee.

Cardholders earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Additionally, cardholders can earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

Membership rewards points can be redeemed for travel, gift cards or merchandise. Points can also be used to cover previous charges, or transferred to 22 airline and hotel partners.

The Blue Business® Plus Credit Card from American Express comes with an intro APR of 0% on purchases for 12 months from date of account opening. After that, a regular APR of 13.24% - 19.24% variable applies.

To see rates & fees for The Blue Business® Plus Credit Card from American Express, please click here.

The Blue Business® Plus Credit Card from American Express is a great fit for small business owners who want the benefits that come with owning an American Express business card, while also having the ability to carry an interest-free balance for a year and earn rewards in popular business spending categories.

In addition to benefits like free employee cards and access to expense management tools, the The Blue Business® Plus Credit Card from American Express offers Expanded Buying Power — which allows cardholders to spend above their credit limit.

But if you prefer earning cash back over points, the American Express Blue Business Cash™ Card may be a better fit. The card offers the same intro APR and annual fee as the The Blue Business® Plus Credit Card from American Express. But the American Express Blue Business Cash™ Card lets cardholders earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Plus, earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.

  • Free employee cards
  • Connect to QuickBooks
  • Online statements
  • Ability to designate an account manager
  • Account alerts
  • Year-end summary
  • Vendor Pay by Bill.com
  • Car rental loss and damage insurance
  • Extended warranty
  • Purchase protection
  • Dispute resolution
  • Terms apply

Along with offering rewards on company-related expenses, like office supplies, The Blue Business® Plus Credit Card from American Express offers an interest-free period on purchases for an entire year and no annual fee.

Cardholders earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Additionally, cardholders can earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

Membership rewards points can be redeemed for travel, gift cards or merchandise. Points can also be used to cover previous charges, or transferred to 22 airline and hotel partners.

The Blue Business® Plus Credit Card from American Express comes with an intro APR of 0% on purchases for 12 months from date of account opening. After that, a regular APR of 13.24% - 19.24% variable applies.

To see rates & fees for The Blue Business® Plus Credit Card from American Express, please click here.

The Blue Business® Plus Credit Card from American Express is a great fit for small business owners who want the benefits that come with owning an American Express business card, while also having the ability to carry an interest-free balance for a year and earn rewards in popular business spending categories.

In addition to benefits like free employee cards and access to expense management tools, the The Blue Business® Plus Credit Card from American Express offers Expanded Buying Power — which allows cardholders to spend above their credit limit.

But if you prefer earning cash back over points, the American Express Blue Business Cash™ Card may be a better fit. The card offers the same intro APR and annual fee as the The Blue Business® Plus Credit Card from American Express. But the American Express Blue Business Cash™ Card lets cardholders earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Plus, earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.

  • Free employee cards
  • Connect to QuickBooks
  • Online statements
  • Ability to designate an account manager
  • Account alerts
  • Year-end summary
  • Vendor Pay by Bill.com
  • Car rental loss and damage insurance
  • Extended warranty
  • Purchase protection
  • Dispute resolution
  • Terms apply

Best For Premium business travel

The Business Platinum Card<sup>®</sup> from American Express

The Business Platinum Card® from American Express

Apply Now
on American Express's secure site
Terms Apply
Intro Purchase APR See Pay Over Time APR
Annual Fee $695
Regular Purchase APR 14.24% - 22.24% Variable

The Business Platinum Card® from American Express lets cardholders earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more.

Additionally, 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.

Points can be used to cover eligible charges on the card. They can also be used to make purchases at American Express Travel, Amazon.com, Ticketmaster, Best Buy and other retailers, as well as used for taxi fares in certain parts of New York City, or redeemed for gift certificates and gift cards.

Just know, The Business Platinum Card® from American Express charges an annual fee of $695.

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 and who plan to take advantage of the card’s premium benefits.

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 points back per calendar year.

Cardholders also receive up to $400 in Dell Technologies statement credit each year (enrollment required), 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 (enrollment required), a credit of up to $150 for select Adobe subscriptions (enrollment required), a credit of $179 to cover your annual CLEAR membership, a $200 annual airline fee credit, a Global Entry or TSA Precheck application fee credit, discounts on private jets and much more.

While The Business Platinum Card® from American Express  doesn’t offer a 0% introductory APR on purchases, it does come with a Pay Over Time option, which allows you to carry a balance with interest on purchases of $100 or more.

To see rates & fees for The Business Platinum Card® from American Express, please click here.

  • Foreign transaction fees: None
  • Up to $400 per year in Dell Technologies statement credit (enrollment required)
  • Up to $360 in Indeed statement credits (enrollment required)
  • Up to $150 in Adobe Creative Solutions statement credits (enrollment required)
  • Up to $120 in wireless credit (enrollment required)
  • American Express Global Lounge Collection access
  • Pay over time option
  • 35% airline bonus, up to 500,000 points back per calendar year
  • Up to $200 airline fee credit
  • Up to $179 CLEAR membership credit (enrollment required)
  • Premium private jet program
  • Global Entry or TSA Precheck credit
  • Marriott Bonvoy Gold Elite status (enrollment required)
  • Hilton Honors Gold status (enrollment required)
  • Business Platinum travel service
  • Trip delay insurance
  • Trip cancellation and interruption insurance
  • Business Platinum Card Concierge
  • Preferred seating program
  • Car rental loss and damage insurance
  • Global Dining Access by Resy
  • Baggage insurance
  • Premium Global Assist Hotline
  • Premium car rental privileges
  • Expense management tools
  • Cell phone protection
  • Extended warranty
  • Purchase protection
  • Dispute Resolution
  • Access to Amex Offers
  • Terms apply

The Business Platinum Card® from American Express lets cardholders earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more.

Additionally, 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.

Points can be used to cover eligible charges on the card. They can also be used to make purchases at American Express Travel, Amazon.com, Ticketmaster, Best Buy and other retailers, as well as used for taxi fares in certain parts of New York City, or redeemed for gift certificates and gift cards.

Just know, The Business Platinum Card® from American Express charges an annual fee of $695.

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 and who plan to take advantage of the card’s premium benefits.

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 points back per calendar year.

Cardholders also receive up to $400 in Dell Technologies statement credit each year (enrollment required), 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 (enrollment required), a credit of up to $150 for select Adobe subscriptions (enrollment required), a credit of $179 to cover your annual CLEAR membership, a $200 annual airline fee credit, a Global Entry or TSA Precheck application fee credit, discounts on private jets and much more.

While The Business Platinum Card® from American Express  doesn’t offer a 0% introductory APR on purchases, it does come with a Pay Over Time option, which allows you to carry a balance with interest on purchases of $100 or more.

To see rates & fees for The Business Platinum Card® from American Express, please click here.

  • Foreign transaction fees: None
  • Up to $400 per year in Dell Technologies statement credit (enrollment required)
  • Up to $360 in Indeed statement credits (enrollment required)
  • Up to $150 in Adobe Creative Solutions statement credits (enrollment required)
  • Up to $120 in wireless credit (enrollment required)
  • American Express Global Lounge Collection access
  • Pay over time option
  • 35% airline bonus, up to 500,000 points back per calendar year
  • Up to $200 airline fee credit
  • Up to $179 CLEAR membership credit (enrollment required)
  • Premium private jet program
  • Global Entry or TSA Precheck credit
  • Marriott Bonvoy Gold Elite status (enrollment required)
  • Hilton Honors Gold status (enrollment required)
  • Business Platinum travel service
  • Trip delay insurance
  • Trip cancellation and interruption insurance
  • Business Platinum Card Concierge
  • Preferred seating program
  • Car rental loss and damage insurance
  • Global Dining Access by Resy
  • Baggage insurance
  • Premium Global Assist Hotline
  • Premium car rental privileges
  • Expense management tools
  • Cell phone protection
  • Extended warranty
  • Purchase protection
  • Dispute Resolution
  • Access to Amex Offers
  • Terms apply

Side-by-side comparison of the best American Express credit card

Credit cardBest forAnnual fee
Blue Cash Preferred® Card from American ExpressOverall American Express credit card$300 back after you spend $3,000 in purchases on your new Card within the first 6 months.$0 introductory annual fee for the first year, then $95
American Express® Gold CardDining rewards60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.$250
The Platinum Card® from American ExpressPremium travel benefits100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. $695
American Express Cash Magnet® CardSimple rewards structure$200 back after spending $2,000 or more in purchases with your card within the first 6 months of card membership.$0
Delta SkyMiles® Gold American Express CardAirline rewards40,000 Bonus Miles after you spend $1,000 in purchases on your new Card in your first 3 months.$0 introductory annual fee for the first year, then $99.
Hilton Honors American Express Surpass® CardHotel rewards130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership. Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months. $95
The Blue Business® Plus Credit Card from American ExpressSmall business owners15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card MembershipNo annual fee
The Business Platinum Card® from American ExpressPremium business travelEarn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership. $695

To see rates & fees for the Blue Cash Preferred® Card from American Express, please click here.
To see rates & fees for the American Express® Gold Card, please click here.
To see rates & fees for The Platinum Card® from American Express, please click here.
To see rates & fees for the Delta SkyMiles® Gold American Express Card please click here.
To see rates & fees for The Blue Business® Plus Credit Card from American Express, please click here.
To see rates & fees for The Business Platinum Card® from American Express, please click here.

Methodology

To select the best American Express credit cards, our credit card experts compared the leading cards offered on American Express’ site and LendingTree.com, including cashback 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. We also looked at the benefits offered by each card, such as travel credits, travel protections and complimentary lounge access.

Which American Express credit card is right for you?

Essentially, choosing the right American Express credit card comes down to how you plan to use the card. For example, if you don’t want the hassle of dealing with bonus rewards categories or spending caps, the flat-rate American Express Cash Magnet® Card will be the best fit. But if you are a frequent traveler who enjoys premium perks and doesn’t mind a $695 annual fee, The Platinum Card® from American Express will be a better choice.

Tracy Brackman

Tracy joined LendingTree in June 2019 as a senior writer. She began working in the credit card space in 2009 as the editorial department manager for FlexOffers, an affiliate marketing company. She went on to work as product information manager for Bankrate, where she managed the financial and credit card product details for two affiliate networks, as well as Bankrate owned and operated sites. Prior to joining LendingTree, Tracy worked as products editor for CreditCards.com, where she developed the credit card products section and created content focused on breaking credit card news.

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The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.