American Express Credit Cards

American Express is world renowned for its high-value rewards and great customer service. Finding the best card for you is easy with American Express, offering everything from cash back cards on everyday spending to super luxury travel cards packed with tons of valuable perks and benefits, there’s an AMEX card to suit your needs in 2019. Browse the best offers from our partner American Express below. Offers like the Blue Cash Everyday® Card and The Platinum Card® are some of our favorites for their generous rewards rates.

The best American Express credit cards:

Last Updated: April 9, 2019

Best for cash back and no annual fee

Blue Cash Everyday® Card from American Express Image

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On American Express's secure website

Blue Cash Everyday® Card from American Express

Rewards Rate:
3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) 2% cash back at U.S. gas stations and at select U.S. department stores 1% back on other purchases
Welcome Offer:
$150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
Annual Fee:
$0
Purchase Intro APR:
0% on Purchases for 15 months
Balance Transfer Intro APR:
0% on Balance Transfers for 15 months
Regular APR:
15.24%-26.24% Variable

Card Details

  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.

Best for U.S. restaurant and supermarket spending

American Express® Gold Card Image

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On American Express's secure website

American Express® Gold Card

Rewards Rate:
Earn 4X Membership Rewards® points at U.S. restaurants. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Welcome Offer:
Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
Annual Fee:
$250
Purchase Intro APR:
N/A
Regular APR:
See Rates & Fees

Card Details

  • Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards® points at U.S. restaurants. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to $10 in statement credits monthly when you pay with The Gold Card at Grubhub, Seamless, The Cheesecake Factory, Shake Shack, and Ruth's Chris Steak House. This is an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • Choose to carry a balance with interest on eligible charges of $100 or more.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms apply.

Best for a large welcome bonus

The Platinum Card® from American Express Image

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On American Express's secure website

The Platinum Card® from American Express

Rewards Rate:
5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel. 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
Welcome Offer:
Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
Annual Fee:
$550
Purchase Intro APR:
N/A
Regular APR:
N/A

Card Details

  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.

Best cash back card for families

Blue Cash Preferred® Card from American Express Image

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On American Express's secure website

Blue Cash Preferred® Card from American Express

Rewards Rate:
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%) 6% Cash Back on select U.S. streaming subscriptions 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more 3% Cash Back at U.S. gas stations 1% Cash Back on other purchases
Welcome Offer:
$250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months
Annual Fee:
$95
Purchase Intro APR:
0% on purchases for 12 months
Balance Transfer Intro APR:
0% on balance transfers for 12 months
Regular APR:
15.24%-26.24% Variable

Card Details

  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • New 6% Cash Back on select U.S. streaming subscriptions.
  • New 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%
  • $95 annual fee.
  • Terms Apply.

Best for hotel rewards and a large welcome bonus

Hilton Honors American Express Ascend Card Image

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On American Express's secure website

Hilton Honors American Express Ascend Card

Rewards Rate:
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating 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
Welcome Offer:
Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
Annual Fee:
$95
Purchase Intro APR:
N/A
Regular APR:
17.99%-26.99% Variable

Card Details

  • Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • $95 annual fee.
  • Terms Apply.

Best business card for points

American Express® Business Gold Card Image

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On American Express's secure website

American Express® Business Gold Card

Rewards Rate:
Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month †
Welcome Offer:
Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
Annual Fee:
$295
Purchase Intro APR:
N/A
Regular APR:
16.49% - 24.49% Variable

Card Details

  • Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month**
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • Exclusive Offers: Get up to 1 year free on subscriptions to both G Suite Basic for up to 3 users and ZipRecruiter Standard, a combined value up to $3,200.*
  • Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more.*
  • Expense Management Tools: Connect to Quickbooks, access SpendManager℠, receive a Year-End Summary, and more.*
  • *Terms Apply

Best business card for cash back

SimplyCash® Plus Business Credit Card from American Express Image

Recommended Credit Score

Excellent (740 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On American Express's secure website

SimplyCash® Plus Business Credit Card from American Express

Rewards Rate:
5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores 3% cash back on the first $50,000 spent in the category of your choice from a list of eight 1% cash back on other purchases.
Annual Fee:
$0
Purchase Intro APR:
0% on purchases for 15 months
Regular APR:
14.49% - 21.49% Variable

Card Details

  • Special offer: save on interest with a 0% intro APR on purchases for 15 months; after that your APR will be a variable rate, currently 14.49% - 21.49%
  • No annual fee
  • Reinvest in your business with automatic cash back in the form of a monthly statement credit. Plus take control by choosing the 3% category that best fits your business
  • Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases
  • With Expanded Buying Power you can spend beyond your credit limit* to make bigger purchases for your business plus earn cash back on those purchases too
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors
  • Terms apply

Best business card for travel

The Business Platinum® Card from American Express Image

Recommended Credit Score

Excellent (740 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On American Express's secure website

The Business Platinum® Card from American Express

Rewards Rate:
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
Welcome Offer:
Welcome Offer: Earn up to 75,000 Membership Rewards® points. Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
Annual Fee:
$595
Purchase Intro APR:
N/A
Regular APR:
N/A

Card Details

  • Welcome Offer: Earn up to 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Get one year of Platinum Global Access from WeWork. With this membership, you can access 300+ premium, inspiring workspaces in 75+ cities. To get this exclusive offer, enroll between 2/15/2019 and 12/31/2019.
  • Terms Apply

Best for airline specific perks

Platinum Delta SkyMiles® Business Credit Card from American Express Image

Recommended Credit Score

Excellent (740 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On American Express's secure website

Platinum Delta SkyMiles® Business Credit Card from American Express

Rewards Rate:
Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
Welcome Offer:
Earn 5,000 Medallion® Qualification Miles (MQMs) and 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months.
Annual Fee:
$195
Purchase Intro APR:
N/A
Regular APR:
17.99% - 26.99% Variable

Card Details

  • Earn 5,000 Medallion® Qualification Miles (MQMs) and 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months.
  • Plus, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Check your first bag for free and save up to $50 on a round trip Delta flight.
  • Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Enjoy 20% savings on eligible in-flight purchases in the form of a statement credit with the American Express Delta Card.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases. Miles don't expire.
  • Terms and limitations apply

Best business card for hotel rewards

The Hilton Honors American Express Business Card Image

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On American Express's secure website

The Hilton Honors American Express Business Card

Rewards Rate:
12X at hotels & resorts in the Hilton portfolio 6X on Select Business & Travel Purchases 3X Everywhere Else. Terms & Limitations Apply.
Welcome Offer:
Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases in the first 3 months of Card Membership.
Annual Fee:
$95
Purchase Intro APR:
N/A
Regular APR:
17.99% - 26.99% Variable

Card Details

  • Welcome Offer: Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases in the first 3 months of Card Membership.
  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X Everywhere Else. Terms & Limitations Apply.
  • Enjoy complimentary Gold status with your Hilton Honors Business Card.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
  • Relax with 10 free airport lounge visits each year once enrolled in complimentary Priority Pass™ Select membership, which offers access to over 1,000 lounges in over 120 countries.
  • Terms apply.

Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.


Author: Bankrate Staff | Last Updated: April 9, 2019

Have questions for our credit cards editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.


In this article:

How we chose our favorite American Express credit cards

Bankrate’s team of credit card experts studied the gamut of American Express cards. They then evaluated each card against Bankrate’s proprietary scoring method to award each American Express credit card a score out of a total of five.

American Express is renowned for its top-notch customer service, generous welcome bonuses, and added perks and features. There is no one-size-fits-all when it comes to credit cards but the good news is that we have investigated the fine print to help you to find the American Express card that suits your needs. The Bankrate team have identified the best cards for various scenarios.

Scoring matrix

Bankrate’s team of credit card aficionados have evaluated the various pros and cons of American Express cards. They have analyzed the details of card offerings from welcome bonus, travel rewards and perks, redemption, annual fees, and more, to determine the best card for different use-cases.

Bankrate’s top picks for the best American Express credit cards in 2019

 

Card Name Best for Bankrate Review Score
Blue Cash Everyday® Card from American Express Cash back and no annual fee 4.3 / 5
American Express® Gold Card Restaurant and supermarket rewards 4.4 / 5
The Platinum Card® from American Express Large welcome offer 4.8 / 5
Blue Cash Preferred® Card from American Express Cash Back at U.S. supermarkets 4.6 / 5
Hilton Honors American Express Ascend Card Hotel rewards and a large welcome bonus 4.5 / 5
American Express® Business Gold Card Business card for points 4.4 / 5
SimplyCash® Plus Business Credit Card from American Express Business card for cash back 4.6 / 5
The Business Platinum® Card from American Express Business card for travel 4.7 / 5
Platinum Delta SkyMiles® Business Credit Card from American Express Airline specific perks 4.4 / 5
The Hilton Honors American Express Business Card Business card for hotel points 4.3 / 5

Blue Cash Everyday® Card from American Express

For no annual fee, this card still offers maximum rewards with great cash back returns on your everyday spending. For many suburban families the 3% cash back at U.S. supermarkets (up to $6,000 a year, then 1%), and 2% at U.S. gas stations and select U.S. department stores, plus 1% on other purchases, means high returns on high-spend areas. For the right cardholder, you don’t have to change your spending routine or follow rotating bonus categories.

Pros:

  • High cash back rates on spending at U.S. supermarkets, U.S. gas stations and select U.S. department stores.
  • No annual fee.

Cons:

  • Most wholesale clubs don’t qualify for the 3% supermarket rewards.
  • Redemption is limited to statement credits, gift cards or merchandise. There are other cash back cards with greater flexibility.
  • If you miss a payment there is a high penalty APR rate that will last for six months.

Read our full Blue Cash Everyday® Card from American Express review.

American Express® Gold Card

Unlike a lot of mid-tier travel cards, the Gold card offers above-average rewards rates on areas you spend in every day as well as on high-value travel categories you would expect. The welcome offer is generous and the cards statement credits help to make up for the sizeable $250 annual fee. If you’re looking for luxury travel benefits like lounge access, you may want to look elsewhere (although, you can obtain passes with the Gold card). Depending on your spending habits, your earnings potential is potentially high with the Gold card.

Pros:

  • Generous rewards, especially on spending at U.S. restaurants, U.S. supermarkets and on flights booked directly with the airline or through Amex Travel.com.
  • Great airline transfer partners.
  • $100 airline fee annual statement credits.
  • You won’t pay foreign transaction fees on purchases made outside the U.S.

Cons:

  • $250 annual fee.
  • No lounge membership, although you can obtain passes.

Read our full American Express Gold Card review.

The Platinum Card® from American Express

This premium travel rewards card boasts a ton of perks and a high-value welcome offer for cardholders seeking a luxury travel card. The cards annual fee is one of the highest around at $550 but for the right cardholder, the benefits more than make up for that annual expense. Useful premium travel rewards include airport lounge access, up to $200 incidentals air credit, and $200 annual credit for Uber rides. The card also offers very generous 5x Membership Rewards points for every dollar you spend on airfare (booked with the airline or through the travel portal) and on eligible hotels booked through the American Express travel portal. The big incentive is the current offer of 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.

Pros:

  • Global Lounge Collection, which includes proprietary lounge locations around the world.
  • Great airline and hotel rewards.

Cons:

  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • This is a charge card meaning your balance has to be paid in full every month.

Read our full The Platinum Card® from American Express review.

Blue Cash Preferred® Card from American Express

For grocery shoppers, it doesn’t get much better than the 6% cash back at U.S. supermarkets (up to a $6,000 a year limit, then 1%) offered by this card. It also pays 3% cash back at U.S. gas stations. Despite the $95 annual fee, they are some of the highest cash back rates available.

Pros:

  • Welcome bonus of $250 statement credit when you spend $1,000 in the first three months of opening the account.
  • Generous rewards rates on everyday spending categories.

Cons:

  • Some specialty grocers and wholesale clubs don’t count toward the 6% cash back category.

Read our full Blue Cash Preferred® Card from American Express review.

Hilton Honors American Express Ascend Card

Moderate-to-high spenders can rack up a lot of extra benefits from the Hilton Honors American Express Ascend card. If you charge $15,000 in purchases to your card in a calendar year you are eligible for a Weekend Night Reward. From the outset, you can juice your returns with a 125,000 Hilton Honors Bonus Points after you spend $2,000 in eligible purchases in the first three months of card membership. Overall, Hilton loyalists will find a lot to love about this card for a relatively low annual fee of $95. For anyone who’s looking for maximum flexibility, you may be better served with a travel rewards credit card.

Pros:

  • Generous welcome bonus.
  • Weekend Night Rewards (terms apply) is a nice added perk if you would reach the spending threshold anyway.
  • A chance to earn Hilton Honors Diamond status if you spend $40,000 on eligible purchases throughout the year.

Cons:

  • Very high late payment fee.
  • If you want the flexibility to stay with different hotel chains you should consider a travel rewards card.

Read our full Hilton Honors American Express Ascend Card review.

American Express® Business Gold Card

This card puts small business owners in the driving seat, allowing them to choose their highest rewards categories based on their spending. Extra benefits such as 1 year free G Suite Basic (for 3 users) and ZipRecruiter standard can add a lot of value for growing businesses and help to makeup for the $295 annual fee.

Pros:

  •  4X points on 2 select categories in which you spend the most each month
  • 1 year free of G Suite Basic (for up to 3 users) and ZipRecruiter Standard.

Cons:

  • Annual fee of $295.

Read our full American Express® Business Gold Card review.

SimplyCash® Plus Business Credit Card from American Express

For businesses that can make the rewards categories work for them, this card has a lot to offer. It works like this: You can earn 5% cash back on spending at U.S. office supply stores and on wireless phone services purchased directly from U.S. service providers (on up to $50,000 in spending per year, then 1%), and 3% on the first $50,000 you spend on eight other categories. Here’s a few: U.S. restaurants, gas stations, purchases on shipping, computer hardware, airfare directly with the airlines. This has to be one of the most flexible business rewards cards available so if your spending is spread over a few key categories it’s certainly worth considering this card.

Pros:

  • Rewards program enables you to earn rewards in the areas that your business spends heavily in.
  • There is no annual fee for this card.

Cons:

  • If your business spending is concentrated to one or two specific spend groups there could be cards offering higher rewards rate, without a spend cap.
  • You will pay 2.7% foreign transaction for purchases made outside the U.S.

Read our full SimplyCash Plus Business Credit Card from American Express review.

The Business Platinum® Card from American Express

Business travelers looking for premium travel benefits have the most to gain from this card. It offers a few exciting travel benefits like access to American Express’ Centurion Lounges, Priority Pass Select membership, and up to $200 per calendar year in airline incidentals credit. Airport lounge access alone could be worth the (steep) annual fee of $595. If you travel often and want to make the most of the time you’re waiting in airports, this feature alone could be worth becoming a card member.

Pros:

  • Tiered welcome offer of 75,000 membership rewards points when you spend $20,000 in eligible purchases within the first 3 months.
  • Global Entry or TSA Pre-Check members will receive one Global Entry or TSA Pre-Check statement credit every 4 years.
  • No foreign transaction fees.

Cons:

  • All purchases on this card have to be business-related.
  • This card is a charge card so the balance has to be paid off in full each month.
  • High annual fee of $595.

Read our full The Business Platinum® Card from American Express review.

Platinum Delta SkyMiles® Business Credit Card from American Express

If you frequently fly and usually travel with Delta, this card could offer a whole host of useful travel perks for you such as priority boarding, 20% savings on eligible in-flight purchases (in the form of statement credit), and your first checked bag for free.

Pros:

  • Earn 5,000 Medallion® Qualification Miles and 35,000 bonus miles after you spend $1,000 in the first 3 months.
  • Earn 2x miles per dollar on purchases with directly with Delta.

Cons:

  • Annual fee of $195.
  • There are travel cards offering better rewards rates.

The Hilton Honors American Express Business Card

This card comes with a sizable welcome bonus and high 12x rewards points on spending at Hilton Hotels and resorts, all for a relatively low annual fee of $95. If you’re frequently booking stays with the hotel chain you could be missing out on great rewards accrual potential with this card. You will also get complimentary Hilton Honors Gold status and the ability to earn a Weekend Night Reward after you spend an additional $15,000 in purchases on your card each year.

Pros:

  • Great rewards rates on spending directly with the hotel chain, and business and travel spending.
  • 10 free airport lounge visits each year once enrolled in Priority Pass Select membership.

Cons:

  • If you like flexibility in choosing which hotel chain you stay with, getting a travel rewards card may suit you better.

 


What is American Express?

American Express began life as a freight forwarding business and has grown to be one of the largest credit card issuers in the world. As of the end of 2017, there are 112.8 million American Express credit cards in operation.

Unlike a lot of other credit card companies, American Express is a payment processing network as well as an issuer. Amex offers credit cards and operates the back-end network that buyers and sellers across the globe rely on to process electronic payments. Payment network operators, like Visa and Mastercard as well as American Express, are funded by taking a cut of each transaction they process. This means that American Express can afford to offer extra features and slightly more generous rewards than some other issuers.

American Express has a long-established reputation for unbeatable customer service and competitive rewards. It is most well-known for its premium credit cards and its array of business credit cards.

It’s also one of the few credit card issuers that offers charge cards. Charge cards are credit cards where the balance has to be paid in full each month. That means you can’t carry outstanding charges on the account from month to month.

There are a couple of drawback to American Express credit cards: The first is that Amex generally requires you to have good or excellent credit to qualify for its credit cards, and secondly, some merchants (sellers) don’t accept American Express. Although Amex is growing its network reach there are some places you can’t use an Amex card i.e. the wholesale retailer Costco.

Why choose American Express credit cards?

There are a lot of benefits to having an American Express card in your wallet. Most notably, American Express is extremely highly-regarded for its customer service. The company’s Global Assist hotline provides information for any upcoming trips and assistance services, such as passport replacement services. Other travel perks include baggage insurance, car rental loss and damage insurance and travel accident insurance (just make sure to check the fine print in your cardholder agreement to see what you are covered for).

They also offer purchase protections such as extended warranties and returns protection. All of these benefits are often overlooked but they can really boost the value of your credit card.

Another big benefit of American Express cards is the rewards redemption. You can use your rewards to shop for merchandise using the MembershipRewards.com site, you can redeem your rewards as gift cards, and even use them in-stores at participating retailers.

A major bonus of the Amex Membership Rewards Program, for travelers in particular, is that you can transfer rewards points to American Express hotel and airline partners or use your points through AmexTravel.com where you can either pay all or some of your flight or prepaid hotel through the site.

How to find the right card for you?

It’s important when shopping for a credit card that you know what you are looking for. Credit cards can help you earn cash back rewards on your spending, fund your next travel adventure and make traveling easier, or even as a tool to help you navigate financial obstacles like a large purchase or outstanding debt. There is no one-size-fits-all when it comes to find the best credit card, you have to know what works for you.

American Express offers credit cards with great cash back rates, travel rewards rates, and business-centered benefits. Finding the best American Express card depends on your average annual spend amount, how you want to earn rewards (as cash back, miles or business-centered rewards), and how much you are willing to pay for your cardholder benefits as some Amex cards charge very high annual fees.

First, how much would you charge to your credit card over the course of the year? This will help you determine which welcome offers are within reach for you and which might cause you to overspend. Answering this question will also enable you to understand how much value – be it in cash back, points, or miles – you can expect to receive from your credit card over the year, and therefore if the annual fee is worth it. If you are a heavy-spender and travel frequently you may find that a premium travel rewards card would provide you with useful benefits.

Secondly, how do you want to earn rewards? For business owners and individuals, you should have a clear idea of whether you want to receive your credit card rewards as cash back, points, or miles. It pays to be honest with yourself here too, as much as you may want to travel frequently if you don’t fly regularly a travel rewards card may not give you the benefits you need. It’s also worthwhile to evaluate your spending to see where your highest spend categories fall. If you spend most of your budget at U.S. supermarkets then the Blue Cash Preferred® Card from American Express could be right for you. If you’re a business that spends heavily on a specific category included in the high-rate groups offered by American Express Business Gold Card then that card could offer you the most value.

Finally, are you willing to pay an annual fee? American Express is well-known for having high annual fees on some of its credit cards. For a lot of cardholders, the annual fee is more than worth the roster of rewards that the card offers but think long and hard about opening a card with an annual fee as that expense will be reoccurring. It can be detrimental to your credit score in the short term to close an account as this impacts two of the factors used to determine your FICO score: account length/history, and credit utilization, the higher the amount of unused available credit the lower your utilization will be.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.