Best of
Best American Express Cards of 2019
NerdWalletJune 6, 2019
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Our pick for
Families
on American Express's website
on American Express's website
Annual Fee
$95
Regular APR
15.24% - 26.24% Variable APR
Intro APR
0% on Purchases and Balance Transfers for 12 months
recommended credit score
The Blue Cash Preferred® Card from American Express boasts family-friendly spending categories that offer top-notch rewards at U.S. supermarkets and U.S. gas stations, as well as on transit expenses and select U.S. streaming subscriptions.
Pros
You'll earn 6% cash back at U.S. supermarkets, on up to $6,000 a year in spending (then 1%); 6% cash back on select U.S. streaming subscriptions; 3% cash back at U.S. gas stations and on transit (including such things as taxis, rideshares, parking, tolls, trains and buses); and 1% cash back on all other purchases. Terms Apply. There's a great bonus offer for new cardholders and a nice 0% intro APR period, too. Terms apply.Cons
The $95 annual fee is a steep for a cash-back credit card, but you'll make up for it with rewards by spending just $31 a week at U.S. supermarkets.- 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.
- View Rates and Fees
Our pick for
Flat-rate cash back
on American Express's website
on American Express's website
Annual Fee
$0
Regular APR
15.24% - 26.24% Variable APR
Intro APR
0% on Purchases and Balance Transfers for 15 months
recommended credit score
The American Express Cash Magnet® Card offers simple, solid rewards for those who aren't interested in keeping track of bonus categories. The card pairs well with other credit cards that offer elevated rewards rates on specific spending.
Pros
It doesn’t get more simple than 1.5% cash back on all purchases and a $0 annual fee. The card comes with a decent welcome bonus: Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership. Terms Apply. And if you need to make a large purchase — or move over a high-interest balance to the card — you’ll get a good introductory 0% APR period.Cons
You’ll need to earn a minimum of $25 in rewards before you can redeem. The card charges a foreign transaction fee, so it's not ideal for international use.- Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
- Unlimited 1.5% Cash Back on your purchases.
- Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
- Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
- $0 plan fees for plans set up during your first 15 months of Card Membership with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee.
- You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
- No Annual Fee.
- Terms Apply.
- View Rates and Fees
Our pick for
Travel
on American Express's website, or call (866) 512-6673
on American Express's website, or call (866) 512-6673
Annual Fee
$250
Regular APR
See Terms
Intro APR
N/A
recommended credit score
The American Express® Gold Card gives foodies and travelers a large side of Membership Rewards with their bites and flights. Its highest rewards rates apply whether you're grabbing takeout or picking up ingredients at U.S. supermarkets for a home-cooked meal. Terms apply. The rewards you earn are ideal for redeeming toward travel.
Pros
The generous perks and rewards can easily make up for the annual fee. The card offers 4 Membership Rewards points per $1 spent at restaurants worldwide; 4 points per $1 spent at U.S. supermarkets on up to $25,000 spent annually; 3 points per $1 spent on flights booked directly with airlines or on amextravel.com; and 1 point per $1 spent on all other qualifying purchases. Other benefits include a $100 annual airline fee credit and up to $120 a year in dining credit (available only in monthly increments on qualifying purchases). Plus, you start out with superb bonus offer: Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months. Terms Apply.Cons
The $250 annual fee may be a dealbreaker for some. The perks can defray the cost, but only if you can make full use of them. This is also a charge card rather than a credit card, meaning that your balance is generally due in full every month.- 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 when you dine at restaurants worldwide. 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 a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be 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.
- View Rates and Fees
Our pick for
Luxury benefits
on American Express's website, or call (866) 512-6673
on American Express's website, or call (866) 512-6673
Annual Fee
$550
Regular APR
N/A
Intro APR
N/A
recommended credit score
The Platinum Card® from American Express comes with an annual fee as heavy as the stainless steel it's made of. But for big spenders who enjoy traveling in luxury, the generous perks and rewards can defray the cost and add more value to a vacation.
Pros
The card offers 5X points per $1 spent on airfare purchased directly from airlines or booked through American Express Travel; 5 points per $1 spent on hotels booked on amextravel.com; and 1 point per $1 spent on all other purchases. New cardholders also get a welcome bonus: Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months. Terms Apply. And that's just to start. The list of ongoing perks is so lengthy — from airport lounge access and travel credits to automatic elite loyalty status at participating hotels — that it can easily be enough to offset the annual fee.Cons
The $550 annual fee is one of the steepest around, so you'll need to be certain that you can make up the cost of it. The $200 annual airline credit can help, but it's limited to incidental fees (not airfare) on a single airline. Bonus rewards are also limited to travel spending, so you can't rack up points on everyday expenses. Finally, it's a charge card, meaning that your balance is generally due in full every month.- 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.
- View Rates and Fees
Our pick for
Small-business cash back
on American Express's website, or call (866) 512-6673
on American Express's website, or call (866) 512-6673
Annual Fee
$0
Regular APR
14.49% - 21.49% Variable APR
Intro APR
0% on Purchases for 15 months
recommended credit score
The SimplyCash® Plus Business Credit Card from American Express allows you to choose a bonus category (from a list of eight) to maximize your rewards based on business needs. Other pluses: a 0% intro APR offer and an annual fee of $0.
Pros
The card offers 5% cash back on up to $50,000 a year in combined spending on U.S. wireless phone service and U.S. office supply stores; 3% cash back on up to $50,000 a year in your spending category of choice (see categories here); and 1% cash back on all other spending. Terms apply. Business owners also can get a break on interest payments with an intro APR offer: 0% on Purchases for 15 months, and then the ongoing APR of 14.49% - 21.49% Variable APR. That’s a lot of value for a $0-annual-fee card.Cons
There's no welcome offer, which could otherwise help a business owner offset some costs. High-spending businesses may find the bonus rewards caps too limiting. You'll have to keep track of bonus categories and can change your 3% choice only once a year during a certain window of time. That may not be ideal for businesses with expenses that fluctuate.- 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
- View Rates and Fees
Our pick for
Small-business travel
on American Express's website, or call (866) 512-6673
on American Express's website, or call (866) 512-6673
Annual Fee
$595
Regular APR
N/A
Intro APR
N/A
recommended credit score
The Business Platinum® Card from American Express can add value and luxury to your travel experience, if you don’t mind the sizable cost of card ownership.
Pros
This card is a match for business owners who spend big and prefer to travel in comfort. If that’s you, the card’s long list of perks can elevate your travel experience and offer more value for your money. You’ll start off with a rich welcome offer: 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. Terms Apply. You'll get airport lounge access if you need to skip the crowds, plus a fee credit of up to $200 for incidental fees on one airline, which can help with things like checked bags. As for rewards, you get 5 Membership Rewards points per $1 spent on flights and prepaid hotels booked through amextravel.com; 1.5 points per $1 on eligible purchases of $5,000 or more; and 1 point per $1 on all other purchases. Terms apply.Cons
The sky-high $595 annual fee is worth it only if you travel frequently enough to make full use of the card's perks. (The fee is a deductible business expense, though.) You’ll get the VIP treatment with this card, but only at places that accept it.- 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
- View Rates and Fees
To view rates and fees of the Blue Cash Preferred® Card from American Express, please visit this page.
To view rates and fees of the American Express Cash Magnet® Card, please visit this page.
To view rates and fees of the American Express® Gold Card, please visit this page.
To view rates and fees of the The Platinum Card® from American Express, please visit this page.
To view rates and fees of the SimplyCash® Plus Business Credit Card from American Express, please visit this page.
To view rates and fees of the The Business Platinum® Card from American Express, please visit this page.
Last updated on June 6, 2019
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.
