Best of
4 Best Charge Cards of 2019
At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.
Our pick for
Luxury travel perks
on American Express's website, or call (866) 512-6673
on American Express's website, or call (866) 512-6673
Annual Fee
$550
Rewards Rate
1x-5x
Points
Intro offer
60,000
Points
Recommended Credit Score
Pros
First, there's the great 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. Terms Apply. You earn 5 points per dollar on qualifying travel purchases and 1 point per dollar on all other purchases (terms apply; see card details). You get complimentary access to more than 1,000 airport lounges, a yearly $200 credit for incidental airline fees, up to $200 in credits per year for Uber, an application fee credit for Global Entry or TSA Precheck, and complimentary benefits worth hundreds of dollars at certain fine hotels. You also receive automatic Gold status with Hilton Honors and Marriott Bonvoy Gold Elite status.Cons
That $550 annual fee speaks for itself. This card is best suited for heavy travelers who can take advantage of the card's many benefits to offset that fee. There are no foreign transaction fees, but American Express cards are less widely accepted than Visa and Mastercard, especially internationally.- 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
See if you qualify for a better offer with American Express:
Our pick for
Premium rewards
Our pick for
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
Rewards Rate
1x-5x
Points
Intro offer
50,000
Points
Recommended Credit Score
Pros
Start with the 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. Earn 5 points per dollar on flights and prepaid hotels on amextravel.com; 1.5 points per dollar on purchases of $5,000 or more; and 1 point per dollar on other purchases. When you use Pay with Points for all or part of an eligible flight, you get 35% of those points back. You'll receive an annual $200 airline fee credit and access to hundreds of airport lounges, plus other benefits. Terms apply.Cons
There's a high annual fee ($595) and a high spending requirement for the welcome bonus. American Express cards are less widely accepted than Visa and Mastercard.- 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 made on your Business Platinum Card® 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 an extra half point 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 when flight is booked on amextravel.com.
- 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.
- Terms Apply
- View Rates and Fees
Our pick for
Flexible business financing
on American Express's website, or call (866) 512-6673
on American Express's website, or call (866) 512-6673
Annual Fee
$0 intro for the first year, then $250
Rewards Rate
1.5%
Intro offer
$0
Recommended Credit Score
Pros
This card offers both a discount for paying early and extra time to pay without interest. Here's how it works: When your monthly statement period closes, you'll have a minimum amount due. Pay at least that much within 10 days of the closing date, and you'll get a discount of 1.5% of the amount you paid. (The discount appears as a credit on your next statement.) As long as you pay the minimum by your due date, you'll have up to 60 days to pay the rest of your balance interest-free. Terms apply.Cons
There's an annual fee of $0 intro for the first year, then $250. Unlike with the other cards listed here, you can't earn rewards or a bonus to offset that cost. However, the fee is a tax-deductible business expense — and if you make early payments of about $16,700 in a year, you'll cover the fee.- Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
- Take up to 60 days to pay with no interest, if you pay your minimum due.
- Use the power of the Plum Card to buy big for your business.
- No Foreign Transaction Fees.
- Introductory annual fee of $0 for the first year, then $250
- Terms & Restrictions Apply.
- View Rates and Fees
To view rates and fees of the The Business Platinum® Card from American Express, please visit this page.
To view rates and fees of the The Plum Card® from American Express, please visit this page.
Last updated on December 5, 2019