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ALSO SEE: Best credit cards of 2021 || Visa || Mastercard || American Express || Discover || Bank of America® || Capital One || Chase || Citi || US Bank || Wells Fargo
American Express made its name with cards that were as much status symbols as payment methods. In the 21st century, the issuer offers a complete line of cards with generous rewards and valuable benefits, and many of them do not charge annual fees.
Some American Express cards earn simple cash back, while others offer rewards points and travel benefits. Many AmEx cards also come with a variety of useful side perks.
Regardless of your goals, there's likely an American Express card that fits your priorities, habits and lifestyle.
ALSO SEE: Best credit cards of 2021 || Visa || Mastercard || American Express || Discover || Bank of America® || Capital One || Chase || Citi || US Bank || Wells Fargo
American Express made its name with cards that were as much status symbols as payment methods. In the 21st century, the issuer offers a complete line of cards with generous rewards and valuable benefits, and many of them do not charge annual fees.
Some American Express cards earn simple cash back, while others offer rewards points and travel benefits. Many AmEx cards also come with a variety of useful side perks.
Regardless of your goals, there's likely an American Express card that fits your priorities, habits and lifestyle.
Our pick for
Family spending: Groceries, gas, transit, streaming
on American Express's website
on American Express's website
Annual fee
$0 intro for the first year, then $95
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
13.99% - 23.99% Variable APR
Recommended Credit Score
The Blue Cash Preferred® Card from American Express offers top-notch rewards at U.S. supermarkets and U.S. gas stations, as well as on transit expenses and select U.S. streaming subscriptions.
The Blue Cash Preferred® Card from American Express offers 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 annual fee of $0 intro for the first year, then $95 is 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 $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
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.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Terms Apply.
- View Rates & Fees
Our pick for
Luxury travel perks
on American Express's website
on American Express's website
Annual fee
$695
Intro APR
N/A
Regular APR
See Pay Over Time APR
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.
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 get a solid welcome offer. And that's just to start. The lengthy list of ongoing perks — from airport lounge access and travel credits to automatic elite loyalty status at participating hotels — can easily be enough to offset the annual fee.
Cons
The $695 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 targeted at travel spending, which might not fit your spending patterns. Finally, unlike with traditional credit cards, you can carry a balance only for certain charges; others must be paid in full monthly.
Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
$240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
$300 Equinox Credit: Get up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. Enrollment required.
$179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
$695 annual fee.
Terms Apply.
- View Rates & Fees
Our pick for
Travel rewards on everyday spending
on American Express's website
on American Express's website
Annual fee
$250
Intro APR
N/A
Regular APR
See Pay Over Time APR
Recommended Credit Score
The American Express® Gold Card gives foodies and travelers a large side of Membership Rewards with their bites and flights. The rewards you earn are ideal for redeeming toward travel.
The American Express® Gold Card gives foodies and travelers a large side of Membership Rewards with their bites and flights. The rewards you earn are ideal for redeeming toward travel.
Pros
The card offers 4 Membership Rewards points per $1 spent at restaurants; 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 up to $120 a year in dining credit (available only in monthly increments on qualifying purchases). Plus, you start with superb bonus offer.
Cons
The $250 annual fee may be a dealbreaker for some. The perks can defray the cost, but only if you make full use of them.
Rose Gold is back. You can now choose between Gold or Rose Gold.
Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$120 Dining Credit: 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.
Get up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12/31/21.
No Foreign Transaction Fees.
Annual Fee is $250.
Terms Apply.
- View Rates & Fees
Our pick for
No-annual-fee grocery and gas rewards
on American Express's website
on American Express's website
Annual fee
$0
Intro APR
0% intro APR on Purchases for 15 months
Regular APR
13.99% - 23.99% Variable APR
Recommended Credit Score
TheBlue Cash Everyday® Card from American Express is a decent option if you spend regularly on groceries and gas but can't stomach the fee on the Blue Cash Preferred® Card from American Express (described above).
TheBlue Cash Everyday® Card from American Express is a decent option if you spend regularly on groceries and gas but can't stomach the fee on the Blue Cash Preferred® Card from American Express (described above).
Pros
This card earns 3% cash back at U.S. supermarkets (on up to $6,000 spent per year, then 1%), 2% back at U.S. gas stations and select U.S. department stores, and 1% back on everything else. Terms apply. There's a good 0% period and a solid bonus offer for new cardholders, too.
Cons
If you spend at least $61 per week at the supermarket, you’re actually better off paying the annual fee on the Blue Cash Preferred® Card from American Express because you'll come out ahead with the higher rewards rate. This card also lacks the bonus streaming and transit rewards of the "Preferred" version.
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Buy Now, Pay Later: Enjoy $0 plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
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% Cash Back on other purchases.
Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
No annual fee.
Terms Apply.
- View Rates & Fees
Our pick for
Luxury perks for business travelers
on American Express's website
on American Express's website
Annual fee
$595 (10/14-1/12/22)
Intro APR
See Pay Over Time APR
Regular APR
14.24% - 22.24% Variable APR
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.
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 nice welcome offer, then enjoy airport lounge access, a credit of up to $200 for incidental fees (like checked bags) on one airline, and a raft of other perks. 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 (10/14-1/12/22) 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 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.24% to 22.24% based on your credit worthiness and other factors as determined at the time of account opening.
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
Earn 1.5X Membership Rewards® points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies.
Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
$179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
Access to more than 1,300 airport lounges across 140 countries and counting with The American Express Global Lounge Collection®. More lounge options than any other credit card on the market as of 8/2020.
$595 Annual Fee ($695 if application is received on or after 01/13/2022).
Terms Apply.
- View Rates & Fees
Our pick for
Simple rewards for small business
on American Express's website
on American Express's website
Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
13.24% - 19.24% Variable APR
Recommended Credit Score
Come for the 0% intro APR offer; stay for the ongoing rewards. The Blue Business® Plus Credit Card from American Express is a good fit for entrepreneurs looking for a $0-annual-fee, no-fuss card.
Come for the 0% intro APR offer; stay for the ongoing rewards. The Blue Business® Plus Credit Card from American Express is a good fit for entrepreneurs looking for a $0-annual-fee, no-fuss card.
Pros
The card gives you 2 Membership Rewards points per dollar spent on everything, on up to the first $50,000 in purchases made every year, and 1 point per dollar after that. (Terms apply.) The 0% introductory APR offer is outstanding for a business credit card, and the annual fee is $0
Cons
The $50,000 spending cap on double points reduces this card's value for businesses with high operating expenses. Prefer cash to points? See the American Express Blue Business Cash™ Card.
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.
You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
*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 American Express, and other factors.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
No Annual Fee
Terms Apply
- View Rates & Fees
Our pick for
Simple cash rewards for small business
on American Express's website
on American Express's website
Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
13.24% - 19.24% Variable APR
Recommended Credit Score
The American Express Blue Business Cash™ Card earns a solid cash-back rate on purchases (up to a point) and gives you a good 0% introductory APR period for an annual fee of $0.
The American Express Blue Business Cash™ Card earns a solid cash-back rate on purchases (up to a point) and gives you a good 0% introductory APR period for an annual fee of $0.
Pros
This card offers 2% cash back on the first $50,000 a year in eligible purchases, then 1% back. Terms apply. Cash back is automatically credited to your statement. Business owners also can get a break on interest payments with an 0% introductory APR offer.
Cons
The $50,000 annual cap on spending that earns 2% cash back will be a serious limitation for some businesses. If you're willing to pay an annual fee, there are other cards that offer unlimited 2% rewards.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
Just remember, 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 American Express and other factors.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply
- View Rates & Fees
Our pick for
Customized rewards for business
on American Express's website
on American Express's website
Annual fee
$295
Intro APR
N/A
Regular APR
14.24% - 22.24% Variable APR
Recommended Credit Score
The unique rewards structure on the American Express® Business Gold Card automatically changes with your spending. It can mean big rewards — if your purchases match its 4X categories.
The unique rewards structure on the American Express® Business Gold Card automatically changes with your spending. It can mean big rewards — if your purchases match its 4X categories.
Pros
You earn 4 Membership Rewards points per dollar in the two categories where you spend the most each month. All other spending earns 1 point per dollar. The categories: airfare purchased directly from airlines; U.S. purchases for advertising in select media (online, TV, radio); U.S. purchases made directly from select technology providers of computer hardware, software and cloud solutions; U.S. gas stations; U.S. restaurants; and U.S. purchases for shipping. Terms apply. There's a welcome offer for new cardholders, too.
Cons
The $295 annual fee is steep. If your business doesn't spend much in the 4X categories, you'll have an uphill climb to break even.
Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 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. 1X is earned for other purchases. **
**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.*
PAY OVER TIME OPTION: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.*
*Terms Apply
- View Rates & Fees
Our pick for
Flexible financing for businesses
on American Express's website
on American Express's website
Annual fee
$250
Intro APR
N/A
Regular APR
N/A
Recommended Credit Score
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.
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.
Pros
Pay your bill within 10 days of your statement closing date, and you get an automatic 1.5% discount. If you need more time, pay the minimum due, and you can get up to 60 days interest-free to pay the rest. The card also has no preset spending limit. Terms apply.
Cons
With a hefty annual fee, this card is designed for businesses that spend big. And while it offers flexible terms, it's still a charge card, meaning your balance will be due in full — you can't spread out the cost of a purchase over several months.
Paying early pays off: get a 1.5% Early Pay Discount, with no cap on what you can earn back.
Take up to 60 days to pay with no interest, when you pay your minimum due by the Payment Due Date.
Use the power of the Plum Card to buy big for your business.
No Foreign Transaction Fees.
Terms & Restrictions Apply.
- View Rates & Fees
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 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. Terms apply. Read our review.
Our pick for: Simple cash rewards for small business
The American Express Blue Business Cash™ Card boasts one of the better 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 also no annual fee. 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 without interest. Terms apply. 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 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.
All information about the American Express Cash Magnet® Card has been collected independently by NerdWallet. The American Express Cash Magnet® Card is no longer available through NerdWallet.
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 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 October 19, 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.
Frequently asked questions
Which American Express card is right for you depends largely on your credit scores. American Express cards tend to require at least good credit (FICO scores of 690 or higher). If you clear that hurdle, then the right American Express card for you will hinge on your goals, spending habits and lifestyle.
Are you interested in cash back, or are you looking for travel rewards? Do you spend more on groceries, or is dining out a bigger line item in your budget? Are annual fees a nonstarter for you, or are you willing to pay one in exchange for more value? Are you a small-business owner?
AmEx has options to fit many different kinds of profiles and budgets.
No. There are several American Express cards with no annual fee, including cash-back cards, travel rewards cards, co-branded cards (offered in partnership with a brand or merchant), and small-business cards.
Depending on the American Express card in question, it may earn rewards in the form of:
Cash back (generally as a statement credit).
American Express Membership Rewards (flexible points that can be redeemed for a variety of different things, including travel).*
Airline miles (if the card is offered in partnership with an airline).
Hotel points (if the card is offered in partnership with a hotel chain).
*It's possible to earn Membership Rewards points in other ways aside from direct spending on an AmEx card.
American Express cards — especially travel rewards cards — may also come with a variety of benefits, credits and perks, depending on the card.