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Best American Express Credit Cards in 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.

Best Overall

Blue Cash Preferred® Card from American Express

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

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
Introductory APR 0% on purchases for 12 months
Annual Fee $0 intro annual fee for the first year, then $95
Regular Purchase APR 17.74%-28.74% Variable
Credit Score Needed
720 850
Excellent/Good

The Blue Cash Preferred® Card from American Express is a well-rounded card that offers a generous cash back 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 cardmembers earn a $250 statement credit 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 17.74%-28.74% variable APR applies.

The card charges an annual fee of $0 intro 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 cash back rewards with the Blue Cash Preferred® Card from American Express.

For example, if you max out the $6,000 spend threshold at U.S. supermarkets, you’ll earn $360 back on those purchases alone in a year. That more than covers the card’s annual fee each year.

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 17.74%-28.74% 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:

  • Access to American Express experiences
  • 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 cash back 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 cardmembers earn a $250 statement credit 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 17.74%-28.74% variable APR applies.

The card charges an annual fee of $0 intro 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 cash back rewards with the Blue Cash Preferred® Card from American Express.

For example, if you max out the $6,000 spend threshold at U.S. supermarkets, you’ll earn $360 back on those purchases alone in a year. That more than covers the card’s annual fee each year.

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 17.74%-28.74% 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:

  • Access to American Express experiences
  • Year-end summary
  • Pay It Plan It®
  • Terms apply
American Express<sup>®</sup> Gold Card

American Express® Gold Card

Apply Now
on American Express's secure site
Terms Apply
Introductory APR N/A
Annual Fee $250
Regular Purchase APR 19.74%-26.74% Variable
Credit Score Needed
720 850
Excellent/Good

With the American Express® Gold Card, members earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Terms apply. Additionally, earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

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, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select 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
  • Up to $200 in onsite credit for qualifying activities when you book The Hotel Collection with American Express Travel
  • American Express preferred seating
  • Year-end summary
  • Terms apply

With the American Express® Gold Card, members earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Terms apply. Additionally, earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

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, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select 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
  • Up to $200 in onsite credit for qualifying activities when you book The Hotel Collection with American Express Travel
  • American Express preferred seating
  • Year-end summary
  • Terms apply
The Platinum Card<sup>®</sup> from American Express

The Platinum Card® from American Express

Apply Now
on American Express's secure site
Terms Apply
Introductory APR N/A
Annual Fee $695
Regular Purchase APR See Pay Over Time APR
Credit Score Needed
720 850
Excellent/Good

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, earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new 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 (enrollment required), a Global Entry or TSA Precheck application fee credit of up to $100 and an annual CLEAR® membership credit of up to $189. As for foreign transactions fees — there are none.

Other benefits include a $300 Equinox credit (enrollment required), a $240 digital entertainment credit (enrollment required), an annual Saks Fifth Avenue credit of $100 (enrollment required) 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 (enrollment required)
  • Up to $300 Equinox credit (enrollment required)
  • Up to $200 in Uber Cash for rides or eats orders in the U.S. ($15 monthly, $20 in December, enrollment required)
  • $240 digital entertainment credit (enrollment required)
  • $155 Walmart+ credit (enrollment required)
  • Global Entry or TSA PreCheck® credit (enrollment required)
  • $100 Saks Fifth Avenue credit (enrollment required)
  • Up to $189 CLEAR membership credit per year (enrollment required)
  • Global Dining Access by Resy
  • Marriott Bonvoy Gold Elite status (enrollment required)
  • Hilton Honors Gold status (enrollment required)
  • Premium car rental status (enrollment required)
  • Platinum Card Concierge
  • 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, earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new 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 (enrollment required), a Global Entry or TSA Precheck application fee credit of up to $100 and an annual CLEAR® membership credit of up to $189. As for foreign transactions fees — there are none.

Other benefits include a $300 Equinox credit (enrollment required), a $240 digital entertainment credit (enrollment required), an annual Saks Fifth Avenue credit of $100 (enrollment required) 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 (enrollment required)
  • Up to $300 Equinox credit (enrollment required)
  • Up to $200 in Uber Cash for rides or eats orders in the U.S. ($15 monthly, $20 in December, enrollment required)
  • $240 digital entertainment credit (enrollment required)
  • $155 Walmart+ credit (enrollment required)
  • Global Entry or TSA PreCheck® credit (enrollment required)
  • $100 Saks Fifth Avenue credit (enrollment required)
  • Up to $189 CLEAR membership credit per year (enrollment required)
  • Global Dining Access by Resy
  • Marriott Bonvoy Gold Elite status (enrollment required)
  • Hilton Honors Gold status (enrollment required)
  • Premium car rental status (enrollment required)
  • Platinum Card Concierge
  • Terms apply
American Express Cash Magnet® Card

American Express Cash Magnet® Card

Introductory APR 0% introductory APR for the first 15 months from the date of account opening.
Annual Fee $0
Regular Purchase APR 16.99% to 27.99% variable
Credit Score Needed
720 850
Excellent/Good

The American Express Cash Magnet® Card offers a flat cash back 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.

Cash back 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% introductory APR for the first 15 months from the date of account opening. Then a regular APR of 16.99% to 27.99% 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.

 

  • American Express Experiences
  • Purchase protection
  • Online account management
  • Terms apply

The American Express Cash Magnet® Card offers a flat cash back 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.

Cash back 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% introductory APR for the first 15 months from the date of account opening. Then a regular APR of 16.99% to 27.99% 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.

 

  • American Express Experiences
  • Purchase protection
  • Online account management
  • 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.
Delta SkyMiles<sup>®</sup> Gold American Express Card

Delta SkyMiles® Gold American Express Card

Apply Now
on American Express's secure site
Terms Apply
Introductory APR N/A
Annual Fee $0 introductory annual fee for the first year, then $99.
Regular Purchase APR 19.49%-28.49% Variable
Credit Score Needed
660 850
Excellent/Good

The Delta SkyMiles® Gold American Express Card lets cardholders earn 2X Miles on Delta purchases, at restaurants worldwide, plus takeout and delivery in the U.S., and at U.S. supermarkets. Earn 1X Mile on all other eligible purchases. Additionally, cardholders can earn 40,000 bonus miles after you spend $2,000 in purchases on your new card in your first 6 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
  • Year-end summary
  • Terms apply

The Delta SkyMiles® Gold American Express Card lets cardholders earn 2X Miles on Delta purchases, at restaurants worldwide, plus takeout and delivery in the U.S., and at U.S. supermarkets. Earn 1X Mile on all other eligible purchases. Additionally, cardholders can earn 40,000 bonus miles after you spend $2,000 in purchases on your new card in your first 6 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
  • Year-end summary
  • Terms apply
Hilton Honors American Express Surpass

Hilton Honors American Express Surpass

Introductory APR N/A
Annual Fee $95
Regular Purchase APR 17.99% to 26.99% Variable
Credit Score Needed
0 0
Excellent/Good

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

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 offer, 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
  • American Express Experiences
  • Terms apply

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

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 offer, 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
  • 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.
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
Introductory APR 0% on purchases for 12 months from date of account opening
Annual Fee No annual fee
Regular Purchase APR 16.99% - 24.99% Variable
Credit Score Needed
680 850
Excellent/Good

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 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 16.99% - 24.99% 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%.

  • Employee cards
  • Connect to QuickBooks
  • Online statements
  • Ability to designate an account manager
  • Account alerts
  • Year-end summary
  • Vendor Pay by Bill.com
  • 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 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 16.99% - 24.99% 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%.

  • Employee cards
  • Connect to QuickBooks
  • Online statements
  • Ability to designate an account manager
  • Account alerts
  • Year-end summary
  • Vendor Pay by Bill.com
  • Dispute resolution
  • Terms apply
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
Introductory APR N/A
Annual Fee $695
Regular Purchase APR 17.99% - 25.99% Variable
Credit Score Needed
680 850
Excellent/Good

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 (enrollment required).

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 $189 to cover your annual CLEAR membership (enrollment required), a $200 annual airline fee credit (enrollment required), a Global Entry or TSA Precheck application fee credit (enrollment required), 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 (enrollment required)
  • Up to $200 airline fee credit (enrollment required)
  • Up to $189 CLEAR membership credit (enrollment required)
  • Premium private jet program
  • Global Entry or TSA PreCheck® credit (enrollment required)
  • Marriott Bonvoy Gold Elite status (enrollment required)
  • Hilton Honors Gold status (enrollment required)
  • Business Platinum travel service
  • Business Platinum Card Concierge
  • Preferred seating program
  • Global Dining Access by Resy
  • Premium car rental privileges
  • Expense management tools
  • 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 (enrollment required).

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 $189 to cover your annual CLEAR membership (enrollment required), a $200 annual airline fee credit (enrollment required), a Global Entry or TSA Precheck application fee credit (enrollment required), 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 (enrollment required)
  • Up to $200 airline fee credit (enrollment required)
  • Up to $189 CLEAR membership credit (enrollment required)
  • Premium private jet program
  • Global Entry or TSA PreCheck® credit (enrollment required)
  • Marriott Bonvoy Gold Elite status (enrollment required)
  • Hilton Honors Gold status (enrollment required)
  • Business Platinum travel service
  • Business Platinum Card Concierge
  • Preferred seating program
  • Global Dining Access by Resy
  • Premium car rental privileges
  • Expense management tools
  • Dispute Resolution
  • Access to Amex Offers
  • Terms apply
Marriott Bonvoy Bevy™ American Express® Card

Marriott Bonvoy Bevy™ American Express® Card

Apply Now
on American Express's secure site
Terms Apply
Introductory APR N/A
Annual Fee $250
Regular Purchase APR 19.49%-28.49% Variable
Credit Score Needed
720 850
Excellent/Good

The Marriott Bonvoy Bevy™ American Express® Card lets cardholders earn 6 Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy. Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2 points). Earn 2X points on all other eligible purchases.

Additionally, earn 125,000 Marriott Bonvoy® bonus points after you use your new Card to make $4,000 in purchases on the Card within the first 3 months.

Just know, the card comes with a Marriott Bonvoy Bevy™ American Express® Card charges an $250 annual fee.

To see rates & fees for Marriott Bonvoy Bevy™ American Express® Card, please click here.

The Marriott Bonvoy Bevy™ American Express® Card is great for people who frequent Marriott properties.

Along with a high rewards rate on Marriott hotel stays, the card offers one free night award every year after your card anniversary, automatic Marriott Bonvoy Silver Elite status, 15 Elite Night credits and one credit toward Elite status for every $5,000 you spend (with no cap).

  • Bonus points for eligible Marriott purchases
  • Buy now, pay later option
  • Complimentary status upgrade
  • Terms apply

The Marriott Bonvoy Bevy™ American Express® Card lets cardholders earn 6 Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy. Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2 points). Earn 2X points on all other eligible purchases.

Additionally, earn 125,000 Marriott Bonvoy® bonus points after you use your new Card to make $4,000 in purchases on the Card within the first 3 months.

Just know, the card comes with a Marriott Bonvoy Bevy™ American Express® Card charges an $250 annual fee.

To see rates & fees for Marriott Bonvoy Bevy™ American Express® Card, please click here.

The Marriott Bonvoy Bevy™ American Express® Card is great for people who frequent Marriott properties.

Along with a high rewards rate on Marriott hotel stays, the card offers one free night award every year after your card anniversary, automatic Marriott Bonvoy Silver Elite status, 15 Elite Night credits and one credit toward Elite status for every $5,000 you spend (with no cap).

  • Bonus points for eligible Marriott purchases
  • Buy now, pay later option
  • Complimentary status upgrade
  • Terms apply

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

Credit Card Welcome Offer Rewards Rate Annual Fee Intro Purchase APR Regular APR Intro Balance Transfer Rate Regular Balance Transfer Rate Balance Transfer Fee Recommended Credit Card Review
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
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply. $0 intro annual fee for the first year, then $95 0% on purchases for 12 months 17.74%-28.74% Variable 0% on balance transfers for 12 months 17.74%-28.74% Variable Either $5 or 3% of the amount of each transfer, whichever is greater. Excellent/Good Blue Cash Preferred® Card from American Express Review
American Express<sup>®</sup> Gold Card American Express® Gold Card Apply Now
on American Express's secure site
| Terms Apply
60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership. Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Terms apply. $250 N/A 19.74%-26.74% Variable N/A N/A N/A Excellent/Good American Express® Gold Card Review
The Platinum Card<sup>®</sup> from American Express The Platinum Card® from American Express Apply Now
on American Express's secure site
| Terms Apply
Earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply. $695 N/A See Pay Over Time APR N/A N/A N/A Excellent/Good The Platinum Card® from American Express Review
American Express Cash Magnet® Card American Express Cash Magnet® Card Read Review $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 $0 0% introductory APR for the first 15 months from the date of account opening. 16.99% to 27.99% variable 0% introductory APR for the first 15 months from the date of account opening on balance transfers requested within 60 days of account opening. 16.99% to 27.99% variable N/A Excellent/Good American Express Cash Magnet® Card Review
Delta SkyMiles<sup>®</sup> Gold American Express Card Delta SkyMiles® Gold American Express Card Apply Now
on American Express's secure site
| Terms Apply
Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6 months. Earn 2X Miles on Delta purchases, at restaurants worldwide, plus takeout and delivery in the U.S., and at U.S. supermarkets. Earn 1X Mile on all other eligible purchases. $0 introductory annual fee for the first year, then $99. N/A 19.49%-28.49% Variable N/A N/A N/A Excellent/Good Delta SkyMiles® Gold American Express Card Review
Hilton Honors American Express Surpass Hilton Honors American Express Surpass Read Review Earn 125,000 Hilton Honors Bonus Points after you spend $2,000 or more in purchases with your new Card within the first 3 months of Card Membership. Earn 12X Hilton Honors Bonus Points per dollar at hotels or resorts within the Hilton Portfolio, 6X Hilton Honors Bonus points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, 3X Hilton Honors Bonus points for all other purchases. $95 N/A 17.99% to 26.99% Variable N/A N/A $5 or 3% of value, whichever is greater Excellent/Good Hilton Honors American Express Surpass Review
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
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. 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. No annual fee 0% on purchases for 12 months from date of account opening 16.99% - 24.99% Variable N/A N/A N/A Excellent/Good The Blue Business® Plus Credit Card from American Express Review
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
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. 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. $695 N/A 17.99% - 25.99% Variable N/A N/A N/A Excellent/Good The Business Platinum Card® from American Express Review
Marriott Bonvoy Bevy™ American Express® Card Marriott Bonvoy Bevy™ American Express® Card Apply Now
on American Express's secure site
| Terms Apply
Earn 125,000 Marriott Bonvoy® bonus points after you use your new Card to make $4,000 in purchases on the Card within the first 3 months. Earn 6 Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy. Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2 points). Earn 2X points on all other eligible purchases. $250 N/A 19.49%-28.49% Variable N/A N/A N/A Excellent/Good Review Coming Soon

Tracy Brackman

  • Expertise: Credit cards, credit scoring, personal finance
  • Education: Ohio State University, Florida International University

 


Tracy Brackman is a senior editor and credit card expert at LendingTree, where she writes and edits educational pieces on credit card-related topics and personal finance using her 12+ years of experience in the field.

Before joining LendingTree in 2019, Tracy worked as a products editor for CreditCards.com, where she developed the credit card products section and created content focused on breaking credit card news.

Prior to that, she worked as a product information manager for Bankrate, where she managed the financial and credit card product details and maintained compliance for two affiliate networks, as well as Bankrate-owned and operated sites.

She began working in the credit card space in 2009 as the editorial department manager for FlexOffers, an affiliate marketing company.

Tracy studied marketing at the Ohio State University and Florida International University.

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