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December 9, 2021
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This article was last updated December 9, 2021 . Terms and conditions may have changed. For the most accurate information, please consult the issuer website.
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 |
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:
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:
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:
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:
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):
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):
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.
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.
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:
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:
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.
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.
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%.
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%.
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.
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.
| Credit card | Best for | Welcome offer | Annual fee |
|---|---|---|---|
| Blue Cash Preferred® Card from American Express | Overall 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 Card | Dining rewards | 60,000 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 Express | Premium travel benefits | 100,000 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® Card | Simple 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 Card | Airline rewards | 40,000 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® Card | Hotel rewards | 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. | $95 |
| The Blue Business® Plus Credit Card from American Express | Small business owners | 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership | No annual fee |
| The Business Platinum Card® from American Express | Premium business travel | 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. | $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.
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.
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.
The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.
