BEST OF

Best American Express Cards of February 2021

NerdWalletFebruary 18, 2021
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American Express made its name with charge cards that were as much status symbols as payment cards. In the 21st century, the issuer offers a complete line of cards with generous rewards and valuable perks.

NerdWallet's Best American Express Cards of February 2021

Best American Express Cards From Our Partners

Our pick for

Family spending: Groceries, gas, transit, streaming

NerdWallet rating 

5.0

/5
American Express Blue Cash Preferred Credit Card

on American Express's website

Annual Fee

$0 intro for the first year, then $95

Regular APR

13.99% - 23.99% Variable APR

Intro APR

0% intro APR on Purchases for 12 months

Rec Credit Score

690-850

Good - Excellent

Our pick for

Luxury travel perks

NerdWallet rating 

5.0

/5
American Express Platinum Credit Card

on American Express's website

Annual Fee

$550

Regular APR

See Pay Over Time APR

Intro APR

N/A

Rec Credit Score

690-850

Good - Excellent

Our pick for

Simple, flat-rate cash back

NerdWallet rating 

4.8

/5
American Express Cash Magnet℠ Card

on American Express's website

Annual Fee

$0

Regular APR

13.99% - 23.99% Variable APR

Intro APR

0% intro APR on Purchases for 15 months

Rec Credit Score

690-850

Good - Excellent

Our pick for

Travel rewards on everyday spending

NerdWallet rating 

4.6

/5
American Express Premier Rewards Gold Credit Card

on American Express's website

Annual Fee

$250

Regular APR

See Pay Over Time APR

Intro APR

N/A

Rec Credit Score

690-850

Good - Excellent

Our pick for

No-annual-fee grocery and gas rewards

NerdWallet rating 

4.3

/5
American Express Blue Cash Everyday Credit Card

on American Express's website

Annual Fee

$0

Regular APR

13.99% - 23.99% Variable APR

Intro APR

0% intro APR on Purchases for 15 months

Rec Credit Score

690-850

Good - Excellent

Our pick for

Luxury perks for business travelers

NerdWallet rating 

5.0

/5
The Business Platinum® Card from American Express OPEN Credit Card

on American Express's website

Annual Fee

$595

Regular APR

14.24% - 22.24% Variable APR

Intro APR

N/A

Rec Credit Score

690-850

Good - Excellent

Our pick for

Simple rewards for small business

NerdWallet rating 

4.8

/5
American Express The Blue for Business® Credit Card

on American Express's website

Annual Fee

$0

Regular APR

13.24% - 19.24% Variable APR

Intro APR

0% on purchases for 12 months from the date of account opening

Rec Credit Score

690-850

Good - Excellent

Our pick for

Simple cash rewards for small business

NerdWallet rating 

4.7

/5
American Express® Blue Business Cash Card

on American Express's website

Annual Fee

$0

Regular APR

13.24% - 19.24% Variable APR

Intro APR

0% intro APR on purchases for 12 months from the date of account opening

Rec Credit Score

690-850

Good - Excellent

Our pick for

Customized rewards for business

NerdWallet rating 

3.5

/5
American Express Business Gold Rewards Card from American Express OPEN Credit Card

on American Express's website

Annual Fee

$295

Regular APR

14.24% - 22.24% Variable APR

Intro APR

N/A

Rec Credit Score

690-850

Good - Excellent

Our pick for

Flexible financing for businesses

NerdWallet rating 

3.3

/5
American Express Plum Card Credit Card

on American Express's website

Annual Fee

$0 intro for the first year, then $250

Regular APR

N/A

Intro APR

N/A

Rec Credit Score

690-850

Good - Excellent

FULL LIST OF EDITORIAL PICKS: BEST AMERICAN EXPRESS CARDS

Click the card name to read our review. Before applying, confirm details on the issuer’s website.

CONSUMER CARDS

Our pick for: Family spending: Groceries, gas, transit, streaming

If your household spends a lot on groceries, gas, transit and streaming services, the Blue Cash Preferred® Card from American Express is for you. The rewards it pays in those categories — particularly at U.S. supermarkets and on select streaming services — are among the richest of any card. There's a nice bonus offer for new cardholders and an introductory 0% APR period, too. The generous benefits come at a cost, though: Unlike most cash-back cards, this one charges an annual fee. Read our review.

Our pick for: No-annual-fee grocery and gas rewards

The Blue Cash Everyday® Card from American Express pays elevated rewards at U.S. supermarkets, U.S. gas stations and select U.S. department stores. The rewards aren't as rich as on the Blue Cash Preferred® Card from American Express, but this card doesn't charge an annual fee. New cardholders get a decent bonus offer and an introductory 0% APR period. If you're buying groceries regularly but not necessarily all the time, it's worth a look. Read our review.

Our pick for: Simple, flat-rate cash back

The American Express Cash Magnet® Card pays a simple, flat cash-back rate on all purchases, with no limit to how much cash back you can earn. Plus, get a decent bonus offer and an introductory 0% APR period. If you want an AmEx card with a no-hassle rewards structure, this is your card. Read our review.

Our pick for: Luxury travel perks

The Platinum Card® from American Express comes with a hefty annual fee, but travelers who like to go in style (and aren't afraid to pay for comfort) can more than get their money's worth. Enjoy extensive airport lounge access, hundreds of dollars a year in travel and shopping credits, hotel benefits and more. That's not even getting into the high rewards rate on eligible travel purchases and the rich bonus offer for new cardholders. Read our review.

Our pick for: Travel rewards on everyday spending

The American Express® Gold Card can earn you a pile of points from everyday spending, with generous rewards at U.S. supermarkets, at restaurants worldwide and on certain flights booked through amextravel.com. Other benefits include hundreds of dollars a year in available dining and travel credits and a solid bonus offer for new cardholders. There's an annual fee, though, and a pretty substantial one, so it's not for smaller spenders. Read our review.

Our pick for: Travel and dining rewards

The "original" American Express card is a great fit for travelers who can make use of its extensive list of airline and hotel transfer partners and its rich rewards on dining and travel. The American Express® Green Card also offers some potentially valuable credits and a good bonus opportunity for new cardholders. There's an annual fee to consider, however, and getting maximum value can take some work. But if you're committed to the AmEx Membership Rewards, it's a fine option. Read our review.

Our pick for: AmEx points for no annual fee

The Amex EveryDay® Credit Card is the only American Express card without an annual fee that gives you Membership Rewards points ... although you shouldn't expect to get a ton of them. You can earn bonus points at U.S. supermarkets and on certain travel, and your rewards rate gets a boost if you use the card frequently enough. Read our review.

SMALL BUSINESS CARDS

Our pick for: Luxury perks for business travelers

Like the consumer version of this card, The Business Platinum Card® from American Express comes with a big annual fee. But business travelers who prefer to go in style will find plenty that appeals to them: high rewards on certain travel purchases, bonus rewards on larger non-travel purchases, a superb newcomer bonus offer, extensive airport lounge access, elite hotel status, hundreds of dollars a year in available credits and a list of perks as long as your arm. It's not cheap, but luxury never is. Read our review.

Our pick for: Simple cash rewards for small business

The American Express Blue Business Cash™ Card boasts one of the better 0% introductory APR offers among business credit cards. Beyond that, you earn a solid cash-back rate (at least for a while — the rate drops after you hit a spending threshold). There's no annual fee, but there's no new-cardholder bonus offer either. Read our review.

Our pick for: Simple rewards for small business

The Blue Business® Plus Credit Card from American Express is a near-twin to the American Express Blue Business Cash™ Card, with one key difference: Rather than cash back, it pays you in AmEx Membership Rewards points. Read our review.

Our pick for: Customized rewards for business

The rewards on the American Express® Business Gold Card adjust according to your spending: The card has six bonus categories, such as travel, U.S. restaurants and U.S. gas stations. You automatically earn bonus rewards in the two categories where you spend the most each month. That can translate into outstanding rewards, as long as your business spends money in those categories. If it doesn't, the steep annual fee probably isn't worth it. Read our review.

Our pick for: Flexible financing for businesses

Businesses with high working capital needs but sometimes inconsistent cash flow might find The Plum Card® from American Express a perfect fit. Pay early and get a discount, or enjoy up to 60 days interest-free. There's a substantial annual fee, but if you're using the card for, say, big inventory purchases, the benefits could far outweigh the costs. Read our review.

Other cards issued by American Express

American Express issues branded credit cards in partnership with airlines, hotels and others. Learn more about these cards by reading the reviews linked below:

Delta Air Lines credit cards

Hilton Hotels credit cards

Other credit cards

'American Express' cards not issued by American Express

Several banks offer credit cards that operate on the American Express payment network, but these cards are not issued by American Express itself. You can use them anywhere that accepts AmEx, but their rewards, perks, fees and rates are dictated by the card issuer, not American Express. Those cards are not included on this page.

Examples include the Wells Fargo Propel American Express® card, the U.S. Bank Cash 365™ American Express® Card and the USAA® Rewards™ American Express® Card

• • • • • • • • •

All information about the American Express® Green Card has been collected independently by NerdWallet. The American Express® Green Card is no longer available through NerdWallet.

To view rates and fees of the American Express® Gold Card, see this page.

To view rates and fees of The Platinum Card® from American Express, see this page.

To view rates and fees of the American Express Cash Magnet® Card, see this page.

To view rates and fees of the Blue Cash Preferred® Card from American Express, see this page.

To view rates and fees of the Blue Cash Everyday® Card from American Express, see this page.

To view rates and fees of the Delta SkyMiles® Blue American Express Card, see this page.

To view rates and fees of the Delta SkyMiles® Gold American Express Card, see this page.

To view rates and fees of the Delta SkyMiles® Platinum American Express Card, see this page.

To view rates and fees of the Delta SkyMiles® Reserve American Express Card, see this page.

To view rates and fees of the Hilton Honors American Express Card, see this page.

To view rates and fees of the Hilton Honors American Express Surpass® Card, see this page.

All information about the Hilton Honors American Express Aspire Card has been collected independently by NerdWallet. The Hilton Honors American Express Aspire Card is no longer available through NerdWallet.

To view rates and fees of the Marriott Bonvoy Brilliant™ American Express® Card, see this page.

All information about the Amex EveryDay® Credit Card has been collected independently by NerdWallet. The Amex EveryDay® Credit Card is no longer available through NerdWallet.

All information about The Amex EveryDay® Preferred Credit Card from American Express has been collected independently by NerdWallet. The The Amex EveryDay® Preferred Credit Card from American Express is no longer available through NerdWallet.

All information about the Business Green Rewards Card from American Express has been collected independently by NerdWallet. The Business Green Rewards Card from American Express is no longer available through NerdWallet.

To view rates and fees of the American Express® Business Gold Card, see this page.

To view rates and fees of The Business Platinum Card® from American Express, see this page.

To view rates and fees of The Plum Card® from American Express, see this page.

To view rates and fees of the American Express Blue Business Cash™ Card, see this page.

To view rates and fees of The Blue Business® Plus Credit Card from American Express, see this page.

To view rates and fees of the Delta SkyMiles® Gold Business American Express Card, see this page.

To view rates and fees of the Delta SkyMiles® Platinum Business American Express Card, see this page.

To view rates and fees of the Delta SkyMiles® Reserve Business American Express Card, see this page.

To view rates and fees of the Marriott Bonvoy Business™ American Express® Card, see this page.

To view rates and fees of The Hilton Honors American Express Business Card, see this page.

To view rates and fees of the Amazon Business Prime American Express Card, see this page.

To view rates and fees of the Amazon Business American Express Card, see this page.

Last updated on February 18, 2021

Methodology

NerdWallet's credit cards team selects the best cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen in multiple categories.