12 best American Express credit cards in 2024

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Featured Offer

The Platinum Card? from American Express

Welcome Bonus

Earn 80,000 Membership Rewards? Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.

80,000 points

Regular APR

See Pay Over Time APR

Annual Fee

$695

Credit Score

Credit Score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Excellent, Good

Rates & Fees / Terms Apply

Apply Now

On American Express's Website

The Platinum Card? from American Express

Best American Express card

Key takeaways

5X

Earn 5 Membership Rewards? Points per dollar on prepaid hotels booked with American Express Travel and on flights booked directly with airlines or through Amex travel. The airline benefit is limited to the first $500,000 in purchases per calendar year.

1X

Earn 1 point for every dollar spent on other eligible purchases

Partner Offer

Rates & Fees / Terms Apply

4.9/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best American Express card

Apply Now

On American Express’s Secure Website

Welcome bonus offer

Earn 80,000 Membership Rewards? Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.

Earn 80,000 points

Annual fee

$695

Regular APR

See Pay Over Time APR

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent, Good</div>

Why we picked it

Don’t be scared off by the hefty $695 annual fee on the Amex Platinum (terms apply, see rates and fees). To see if the annual fee is worth it, start by checking out the opportunities to get your spending covered. If, in a given year, you use Walmart+, shop at Saks Fifth Avenue, spend at least $240 on digital entertainment, rack up at least $200 in airline fees, and order at least $200 worth of rides or food via Uber, for example, this card could save you money. Plus, you’ll earn up to 5 American Express Membership Rewards? points per dollar on eligible spending and receive airport lounge access through the expansive American Express Global Lounge Collection.

+ Pros

• Generous welcome bonus offer
• Premium benefits including statement credits, hotel elite status and airport lounge access
• Top-notch travel and purchase protections

– Cons

• High annual fee
• Base rewards rate is just 1 point per dollar on most purchases
• Statement credits and perks can be hard to maximize

Highlights

• Earn 80,000 Membership Rewards? Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• 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 up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts? or The Hotel Collection bookings through American Express Travel using your Platinum Card?. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card? on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection? can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card? to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card?.
• $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. Terms Apply.
• $199 CLEAR? Plus Credit: CLEAR? Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck? (through a TSA official enrollment provider) application fee, when charged to your Platinum Card?. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card?. That’s up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card? to your Resy profile.
• $695 annual fee.¤
• Terms Apply.

Blue Cash Everyday? Card from American Express

Best for cash back

Key takeaways

3%

Earn 3% cash back at U.S. supermarkets, U.S. gas stations, and online retail purchases in the U.S. on up to $6,000 in each category per year in purchases (then 1%)

1%

Earn 1% cash back on other eligible purchases

Partner Offer

Rates & Fees / Terms Apply

3.5/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best for cash back

Apply Now

On American Express’s Secure Website

Welcome bonus offer

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

Earn $200

Annual fee

$0

Regular APR

18.74%-29.74% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent/Good</div>

Why we picked it

The no annual fee Blue Cash Everyday Card (terms apply, see rates and fees) earns up to 3% cash back in three everyday spending categories: U.S. gas stations, U.S. supermarkets and U.S. online retail purchases (though that rate goes down to just 1% if you spend more than $6,000 in a category in a year). You can redeem your cash back for statement credits. Plus, you can save money on interest with the card’s 0% intro APR on purchases and balance transfers for 15 months from the date of account opening, then a 18.74%-29.74% variable APR. And if you pay for a Home Chef or Disney Bundle subscription with your card, you can get partially reimbursed (enrollment required).

+ Pros

• $0 annual fee
• Get a 0% intro APR on purchases and balance transfers for 15 months from the date of account opening, then a 18.74%-29.74% variable APR
• You can earn $200 when you spend $2,000 on purchases within six months of account opening

– Cons

• 3% cash back categories are capped at $6,000 spent per category each year (then 1%)
• Charges a foreign transaction fee
• Base rewards rate is 1%

Highlights

• Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
• No Annual Fee.
• Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.74% to 29.74% variable APR.
• 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
• 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
• 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
• Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday? Card. Enrollment required.
• Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday? Card.
• Terms Apply.

American Express? Gold Card

Best for foodies

Key takeaways

4X

Earn 4X Membership Rewards? points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.

4X

Earn 4X Membership Rewards? points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.

3X

Earn 3X Membership Rewards? points per dollar spent on flights booked directly with airlines or on AmexTravel.com.

2X

Earn 2X Membership Rewards? points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.

1X

Earn 1X Membership Rewards? point per dollar spent on all other eligible purchases.

Partner Offer

Rates & Fees / Terms Apply

4.1/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best for foodies

Apply Now

On American Express’s Secure Website

Welcome bonus offer

Earn 60,000 Membership Rewards? Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.

Earn 60,000 points + earn up to $100 back

Annual fee

$325

Regular APR

See Pay Over Time APR

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent, Good</div>

Why we picked it

The Amex Gold (terms apply, see rates and fees) is ideal for folks who spend a lot on dining out and eating in, as it earns 4x Membership Rewards? Points at restaurants, plus takeout and delivery in the U.S. (on up to $50,000 per calendar year starting Jan. 1, 2025, then 1x) and 4x Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1x). The $325 annual fee may seem high, but it can be offset by up to $120 in annual dining credits (up to $20 per month), up to $84 in annual Dunkin’ credits (up to $7 per month), up to $100 in annual Resy credits (up to $50 from January to June and up to $50 from July through December), and up to $120 per year in Uber Cash (up to $20 per month), which also works for Uber Eats.

+ Pros

• High return on grocery and dining purchases
• Points can be redeemed with travel partners for a higher return
• Up to $20 in monthly Uber and dining credits (enrollment required)

– Cons

• Charges a $325 annual fee
• Grocery bonus capped at $25,000 of spending annually
• Rewards are best suited for travel and not ideal if you prefer cash back

Highlights

• Earn 60,000 Membership Rewards? Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
• Get the American Express? Gold Card in either the Gold, Rose Gold or Limited-Edition White Gold metal design. White Gold design is only available while supplies last.
• Earn 4X Membership Rewards? points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 4X Membership Rewards? points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 3X Membership Rewards? points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
• Earn 2X Membership Rewards? points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
• Earn 1X Membership Rewards? point per dollar spent on all other eligible purchases.
• $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.
• $84 Dunkin’ Credit: With the $84 Dunkin’ Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express? Gold Card at Dunkin’ locations.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express? Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That’s up to $50 in statement credits semi-annually. Enrollment required.
• $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express? Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
• Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
• No Foreign Transaction Fees.
• Annual Fee is $325.
• Terms Apply.

American Express? Green Card

*

The information for the American Express? Green Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Best for travel spending

Key takeaways

3X

Earn 3x Membership Rewards points on eligible travel, transit and restaurant purchases including takeout and delivery in the U.S.

1X

Earn 1x points on other purchases

4.8/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best for travel spending

Welcome bonus offer

Earn 40,000 points after spending $3,000 on purchases in the first 6 months

40,000 points

Annual fee

$150

Regular APR

See Pay Over Time APR

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Good/Excellent</div>

Why we picked it

The Amex Green (terms apply, see rates and fees) may not have the flashy perks of more premium Amex cards, but for uncapped 3x earning on travel, transit and restaurants, it’s a solid choice. Travelers can more than offset the $150 annual fee if they take advantage of up to $199 to reimburse an annual CLEAR? Plus membership and up to $100 to reimburse Lounge Buddy spending. But if you don’t travel through airports with CLEAR? Plus or airport lounges, it’s tougher to justify this card’s yearly cost.

+ Pros

• Earn 3X Membership Rewards? points on eligible travel, transit and restaurant purchases including takeout and delivery in the U.S. and 1X points on other purchases
• Up to $189 in statement credits per year for CLEAR? Plus membership
• Up to $100 per year in statement credits toward Lounge Buddy airport lounge access

– Cons

• Annual fee is higher than comparable mid-tier travel cards
• Base rewards rate is 1 point per dollar
• Statement credits can be hard to maximize

Highlights

• Earn 40,000 points after spending $3,000 on purchases in the first 6 months
• Earn 3 points per dollar spent on travel, transit purchases and eligible purchases at restaurants worldwide
• Earn 1 point per dollar on all other eligible purchases
• $189 CLEAR? Plus and $100 LoungeBuddy credits
• Trip delay insurance
• No foreign transaction fees

All information about American Express? Green Card has been collected independently by CNN Underscored.

The Business Platinum Card? from American Express

*

The information for the The Business Platinum Card? from American Express has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Best small business card

Key takeaways

5x

Earn 5x Membership Rewards? points on flights and prepaid hotels on American Express Travel

1.5X

Earn 1.5x points on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year

1X

Earn 1x points on other eligible purchases

5/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best small business card

Welcome bonus offer

Earn 150,000 Membership Rewards? points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.

Earn 150,000 points

Annual fee

$695

Regular APR

19.49% – 28.49% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Good, Excellent </div>

Why we picked it

It’s hard to beat the potential return of the Amex Business Platinum (terms apply, see rates and fees) if you have a small business. Card holders can get over $1,000 in value annually toward wireless, Dell, Indeed and Adobe purchases — and travelers will appreciate the up to $200 in annual airline fee credits and extensive airport lounge access. Yes, the $695 annual fee is no small sum, but as long as the card’s benefits line up with your typical expenses and travel habits, you could come out way ahead.

+ Pros

• Substantial welcome bonus offer
• Potential to earn over $1,000 in statement credits each year
• Hotel elite status and airport lounge access

– Cons

• High annual fee
• High minimum spending requirement to unlock welcome bonus
• Base rewards rate is 1 point per dollar

Highlights

• Welcome Offer: Earn 150,000 Membership Rewards? points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
• 5X Membership Rewards? points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year?of membership?with?the Business Platinum Card?.?Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card?, here.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the?Card.
• $199 CLEAR? Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR? Plus Membership (subject to auto-renewal) when you use the Business Platinum Card?.
• The American Express Global Lounge Collection? can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
• $695 Annual Fee.
• Terms Apply.

All information about The Business Platinum Card? from American Express has been collected independently by CNN Underscored.

American Express? Business Gold Card

*

The information for the American Express? Business Gold Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Best for business spending

Key takeaways

4X

Earn 4X points in the 2 select categories where you spend the most each month (4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year, then earn 1 point per dollar)

3X

Earn 3X points on flights and prepaid hotels booked on Amex Travel; Earn 1X points on all other purchases

4.1/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best for business spending

Welcome bonus offer

Earn 100,000 Membership Rewards? points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.

Earn 100,000 points

Annual fee

$375

Regular APR

18.99% – 27.99% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent/Good</div>

Why we picked it

If your small business spends a lot in the Amex Business Gold’s (terms apply, see rates and fees) six eligible 4x bonus categories — which include U.S. wireless bills, U.S. restaurants and U.S. gas stations — you could rack up a ton of points quickly with this card. Up to $240 in annual flexible business statement credits go a long way toward offsetting the annual fee, but if your typical spending doesn’t align with the card’s bonus categories and credits, you’ll want to look for a different card.

+ Pros

• Opportunity to earn 4 points per dollar on gas purchases
• High-value redemption options via airline and hotel partners
• Monthly credits toward FedEx and more

– Cons

• 4x bonus points capped at $150,000 of eligible purchases annually
• Charges a $375 annual fee
• Rewards are best suited for travel and not ideal if you prefer cash back

Highlights

• Welcome Offer: Earn 100,000 Membership Rewards? points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
• 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.99% to 27.99% variable APR.*
• Earn 4X Membership Rewards? points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
• Earn 3X Membership Rewards? points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• Get up to a $12.95 statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. Up to $12.95 plus applicable taxes on one membership fee.*
• The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
• *Terms Apply

All information about American Express? Business Gold Card has been collected independently by CNN Underscored.

The Blue Business? Plus Credit Card from American Express

*

The information for the The Blue Business? Plus Credit Card from American Express has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Best no annual fee business card

Key takeaways

2X

Earn 2x points on the first $50,000 in purchases each year

1X

Earn unlimited 1x points on purchases thereafter

4.3/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best no annual fee business card

Welcome bonus offer

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 15,000 points

Annual fee

$0

Regular APR

17.99% – 25.99% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent/Good </div>

Why we picked it

Small business owners who prefer simplicity and value will appreciate the Blue Business Plus from American Express (terms apply, see rates and fees). With a $0 annual fee and no bonus categories to keep track of, it’s a good choice for spending outside of typical business category purchases. Just be aware the earning rate of 2x points on purchases is capped at $50,000 per year. After that, you’ll earn 1x points, so if your business spends significantly more than $50,000 annually, another card may be a better option.

+ Pros

• $0 annual fee
• 2 points for every dollar your business spends on all purchases up to $50,000 each calendar year; earn unlimited 1X points on purchases thereafter
• Car rental insurance, purchase protection and extended warranty

– Cons

• Modest welcome bonus offer
• 2x rate is capped at $50,000 in purchases per year, after which you only earn 1 point per dollar
• Charges foreign transaction fees

Highlights

• 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.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.99% – 25.99%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
• 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 us, and other factors.
• No Annual Fee
• Terms Apply

All information about The Blue Business? Plus Credit Card from American Express has been collected independently by CNN Underscored.

Hilton Honors American Express Card

Best no annual fee hotel card

Key takeaways

7X

Earn 7x Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio

5X

Earn 5x points on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations

3X

Earn 3x points for all other eligible purchases on your Card

Partner Offer

Rates & Fees / Terms Apply

4.3/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best no annual fee hotel card

Apply Now

On American Express’s Secure Website

Welcome bonus offer

Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership.

100,000 points

Annual fee

$0

Regular APR

20.49%-29.49% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent, Good</div>

Why we picked it

There are certainly hotel credit cards with fancier perks, but it’s hard to go wrong with the Hilton Honors American Express Card (terms apply, see rates and fees) if you’re looking for a no annual fee travel credit card. It starts off strong with an impressive welcome bonus for an entry-level card, and its 5x Hilton Honors points on everyday purchases — U.S. restaurants, U.S. supermarkets and U.S. gas stations — can add up fast. And while the automatic Silver elite status the card offers isn’t especially valuable, it does unlock a lucrative benefit: Elite status holders with Hilton get the fifth night free on standard room points stays.

+ Pros

• High earning rate for grocery and other purchases
• $0 annual fee
• Complimentary Hilton Honors Silver status

– Cons

• Hilton points are less valuable than other rewards (on average)
• Light on additional benefits
• Earning rates are limited to U.S. purchases (except for those made at Hilton properties worldwide)

Highlights

• Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025.
• Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
• Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
• Earn 3X Points for all other eligible purchases on your Card.
• Enjoy complimentary Hilton Honors? Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors? Gold status through the end of the next calendar year.
• No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
• No Annual Fee.
• Terms Apply.

Hilton Honors American Express Surpass? Card

Best mid-tier hotel card

Key takeaways

12X

Earn 12 points for each dollar spent on eligible purchases at hotels and resorts within the Hilton portfolio

6X

Earn 6 points for each dollar spent at U.S. restaurants, U.S. supermarkets, and at U.S. gas stations

4X

Earn 4 points on eligible U.S. online retail purchases

3X

Earn 3 points for all other eligible purchases

Partner Offer

Rates & Fees / Terms Apply

4.2/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best mid-tier hotel card

Apply Now

On American Express’s Secure Website

Welcome bonus offer

Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass? Card in your first 6 months of Card Membership.

165,000 points<br />

Annual fee

$150

Regular APR

20.49%-29.49% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent, Good</div>

Why we picked it

The Amex Hilton Surpass Card (terms apply, see rates and fees) is a terrific card for occasional and frequent Hilton guests alike. A generous welcome bonus and earning structure are complemented by up to $200 in annual statement credits (up to $50 per quarter) toward Hilton stays. Plus, the automatic Hilton Honors Gold elite status offered by the card gets you free breakfast or dining credits at most Hilton brands. And if you spend $15,000 on eligible purchases on the card in a calendar year, you’ll earn a free night reward valid at nearly any Hilton property worldwide.

+ Pros

• High earning rate for grocery and other purchases
• Up to $200 in credits toward Hilton purchases annually
• Complimentary Hilton Honors Gold status

– Cons

• Hilton points are less valuable than other rewards (on average)
• Charges a $150 annual fee
• Bonus earning rates are limited to U.S. purchases (except for those made at Hilton properties worldwide)

Highlights

• Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass? Card in your first 6 months of Card Membership. Offer ends 1/8/2025.
• Get up to $200 back each year on eligible Hilton purchases after you use your Hilton Honors American Express Surpass? Card.
• 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 Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
• Earn 4X Points for each dollar on U.S. Online Retail Purchases.
• Earn 3X Points for all other eligible purchases on your Card.
• Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
• Enjoy complimentary Hilton Honors ? Gold Status with your Hilton Honors American Express Surpass? 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.
• Enjoy complimentary National Car Rental? Emerald Club Executive? status. Enrollment in the complimentary Emerald Club? program is required. Terms apply.
• No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
• $150 annual fee.
• Terms Apply.

Marriott Bonvoy Brilliant? American Express? Card

Best premium hotel card

Key takeaways

6X

Earn 6X Marriott Bonvoy? points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy?

3X

Earn 3X Marriott Bonvoy? points at restaurants worldwide and on flights booked directly with airlines

2X

2X Marriott Bonvoy? points on all other eligible purchases made on the Marriott Bonvoy Brilliant? American Express? Card

Partner Offer

Rates & Fees / Terms Apply

4.7/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best premium hotel card

Apply Now

On American Express’s Secure Website

Welcome bonus offer

Earn 95,000 Marriott Bonvoy? bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

Earn 95,000 points

Annual fee

$650

Regular APR

20.49%-29.49% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent, Good</div>

Why we picked it

We rank the Marriott Bonvoy Brilliant as the top Marriott credit card in part because it offers automatic Marriott Bonvoy Platinum elite status. Marriott Bonvoy Platinum elite members receive perks that include room upgrades and executive lounge access when available, making this card ideal for the Marriott Bonvoy loyalist. Add in up to $300 in dining statement credits each year (up to $25 per month) and an annual free night award certificate worth up to 85,000 points, and this $650-annual-fee card can pay for itself if you can maximize its benefits with frequent travel.

+ Pros

• Valuable perks for Marriott stays
• Premium travel and dining benefits
• High base rewards rate

– Cons

• High annual fee
• Rewards have limited flexibility
• No introductory 0% APR

Highlights

• Earn 95,000 Marriott Bonvoy? bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
• $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant? American Express? Card at restaurants worldwide.
• With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
• Earn 6X Marriott Bonvoy? points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy?. Earn 3X Marriott Bonvoy? points at restaurants worldwide and on flights booked directly with airlines and 2X Marriott Bonvoy? points on all other eligible purchases made on the Marriott Bonvoy Brilliant? American Express? Card.
• Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy?. Certain hotels have resort fees.
• Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant? American Express? Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
• $100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton? or St. Regis? when you book direct using a special rate for a two-night minimum stay using your Card.
• Fee Credit for Global Entry or TSA PreCheck?: Receive either a statement credit every 4 years after you apply for Global Entry ($120) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck? (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant? American Express? Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
• Each calendar year with your Marriott Bonvoy Brilliant? American Express? Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy? Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express.
• Enroll in Priority Pass? Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
• No Foreign Transaction Fees on international purchases.
• With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month’s wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
• $650 Annual Fee.
• Terms Apply.

Delta SkyMiles? Gold American Express Card

Best mid-tier airline card

Key takeaways

2X

Earn 2x miles at restaurants worldwide

2X

Earn 2x miles on eligible purchases made directly with Delta

2X

Earn 2x miles at U.S. supermarkets and takeout and delivery in the U.S.

1x

Earn 1x miles on all other eligible purchases

Partner Offer

Rates & Fees / Terms Apply

3.1/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best mid-tier airline card

Apply Now

On American Express’s Secure Website

Welcome bonus offer

Earn 80,000 miles after spending $3,000 on eligible purchases in the first six months of card membership.

Earn 80,000 miles

Annual fee

$0 introductory annual fee for the first year, then $150

Regular APR

20.49%-29.49% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent, Good</div>

Why we picked it

If you fly Delta now and then and check bags, the Delta SkyMiles Gold (terms apply, see rates and fees) is an affordable ticket to saving money. You can expect to pay $35 for a first checked bag — but with this card, the first checked bag is free for yourself and up to eight companions on the same reservation. Card holders also get priority boarding, 20% back on in-flight purchases in the form of a statement credit and a 15% (or higher) discount on Delta award flight bookings. If you’re an occasional Delta flyer, the checked bag savings alone can be enough to justify the card’s cost: a $0 introductory annual fee for the first year, then $150.

+ Pros

• Free first checked bag and priority boarding on Delta flights
• 15% off when you book Delta award flights with miles
• Earn a $100 flight credit after you spend $10,000 in purchases in a calendar year

– Cons

• Lower welcome bonus offer than most other Delta credit cards
• No opportunities to earn elite status from card spending
• Base rewards rate is 1 mile per dollar

Highlights

• Earn 80,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
• Enjoy a $0 introductory Annual Fee for the first year, then $150.
• Delta SkyMiles? Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• $200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
• Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Miles on all other eligible purchases.
• You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
• Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• $100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles? Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
• Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
• Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
• No Foreign Transaction Fees.
• With Send & Split?, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
• Terms Apply.

Delta SkyMiles? Reserve American Express Card

Best premium airline card

Key takeaways

3X

Earn 3 miles per dollar on Delta flights and Delta Vacations?

1X

Earn 1 mile per dollar for all other eligible purchases

Partner Offer

Rates & Fees / Terms Apply

3.8/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best premium airline card

Apply Now

On American Express’s Secure Website

Welcome bonus offer

Earn 100,000 Bonus Miles after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

Earn 100,000 bonus miles

Annual fee

$650

Regular APR

20.49%-29.49% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent, Good</div>

Why we picked it

You’ll get the usual free first checked bag, priority boarding and discounts with the Delta SkyMiles Reserve (terms apply, see rates and fees), but it shines for the elite-like perks it offers. Card holders get access to Delta Sky Club lounges when they fly Delta (and Centurion lounges when they pay for their Delta ticket with their Amex card), and get access to complimentary upgrades when available, even if they don’t have Medallion elite status. If you’re a frequent Delta flyer, these benefits alone can justify the card’s $650 annual fee. Note that you’ll be limited to 15 visits and four guest passes for Delta Sky Club lounges starting Feb. 1, 2025. If you spend at least $75,000 on your card in a calendar year, you can get unlimited visits.

+ Pros

• Cardholders receive complimentary Delta Sky Club access when they fly Delta
• Free first checked bag and priority boarding on Delta flights
• Annual companion certificate

– Cons

• $650 annual fee
• Must be flying Delta to access Delta Sky Clubs
• Non-Delta purchases only earn 1 mile per dollar

Highlights

• Earn 100,000 Bonus Miles after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
• Enjoy complimentary access to the Delta Sky Club. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter. Once all 15 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club Visits at a per-Visit rate of $50 per person using the Card.
• Receive four Delta Sky Club? One-Time Guest Passes each year when you fly Delta so you can share the experience with family and friends.
• Enjoy complimentary access to The Centurion? Lounge when you book a Delta flight with your Reserve Card.
• Receive $2,500 Medallion? Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
• Earn $1 Medallion? Qualification Dollar for each $10 of purchases made on your Delta SkyMiles? Reserve American Express Card in a calendar year and get a boost toward achieving elevated Medallion Status for next Medallion Year.
• Receive a Companion Certificate on First Class, Delta Comfort+?, or Main Cabin domestic, Caribbean, or Central American round-trip flights each year after renewal of your Card. The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for round-trip domestic flights and no more than $250 for round-trip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
• $240 Resy Credit: When you use your Delta SkyMiles? Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
• $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles? Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
• Delta SkyMiles? Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• With your Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class.
• Delta SkyMiles? Reserve American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
• Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
• No Foreign Transaction Fees.
• $650 Annual Fee.
• Terms Apply.

Our picks at a glance

	Annual fee	Welcome bonus	Best for	Notable benefit
The Platinum Card? from American Express	$695	80,000 Membership Rewards? points after you spend $8,000 on purchases within the first six months of account opening	Premium travel perks	Airport lounge access
Blue Cash Everyday? Card from American Express	$0	$200 when you spend $2,000 on purchases within six months of account opening	Cash back	0% intro APR on purchases and balance transfers for 15 months from the date of account opening, then a 18.74%-29.74% variable APR
American Express? Gold Card	$325	60,000 Membership Rewards? points after spending $6,000 on eligible purchases in the first six months of card membership. Plus, receive 20% back in statement credits on eligible restaurant purchases worldwide (up to $100 back) within the first six months of card membership (offer ends 11/6/24)	Foodies	Monthly statement credits
American Express? Green Card * The information for the American Express? Green Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.	$150	40,000 points after spending $3,000 on purchases within the first six months of account opening	Travel spending	Up to $189 to reimburse an annual CLEAR? Plus membership
The Business Platinum Card? from American Express * The information for the The Business Platinum Card? from American Express has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.	$695	150,000 Membership Rewards? points after spending $20,000 in eligible purchases with the card within the first three months of card membership	Small businesses	Over $1,000 in statement credits each year
American Express? Business Gold Card * The information for the American Express? Business Gold Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.	$375	100,000 Membership Rewards? points after spending $15,000 on eligible purchases within the first 3 months of opening an account	Business spending	Up to $240 in annual statement credits
The Blue Business? Plus Credit Card from American Express * The information for the The Blue Business? Plus Credit Card from American Express has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.	$0	15,000 Membership Rewards? points after you spend $3,000 in eligible purchases within the first three months of account opening	Business owners looking for no annual fee	Flat-rate rewards
Hilton Honors American Express Card	$0	100,000 Hilton Honors bonus points after you spend $2,000 on eligible purchases in the first six months	Hotels with no annual fee	Automatic Silver elite status
Hilton Honors American Express Surpass? Card	$150	165,000 Hilton Honors bonus points after you spend $3,000 on eligible purchases in the first six months	Mid-tier Hilton perks	Automatic Gold elite status
Marriott Bonvoy Brilliant? American Express? Card	$650	95,000 Marriott Bonvoy bonus points after spending $6,000 in purchases within the first six months of card membership	Premium hotel perks	Automatic Platinum elite status
Delta SkyMiles? Gold American Express Card	$0 introductory annual fee for the first year, then $150	80,000 miles after spending $3,000 on eligible purchases in the first six months of card membership	Mid-tier airline perks	Free first checked bag and priority boarding on Delta flights
Delta SkyMiles? Reserve American Express Card	$650	100,000 miles after spending $6,000 on eligible purchases in the first six months of card membership	Premium airline perks	Delta Sky Club airport lounge access

See MoreSee Less

All information about American Express? Business Gold Card, American Express? Green Card, The Blue Business? Plus Credit Card from American Express and The Business Platinum Card? from American Express has been collected independently by CNN Underscored.

What are the different types of American Express cards?

American Express credit cards fit into four main categories:

• Cash back cards: American Express credit cards that earn cash back accrue Reward Dollars that can be redeemed for statement credits.
• Amex Membership Rewards cards: You can use American Express Membership Rewards points to get cash back, buy merchandise and gift cards, book travel and more.
• Business cards: Amex offers over a dozen cards for small business owners, including rewards credit cards, co-branded cards and cards with no preset spending limits.
• Co-branded cards: American Express partners with Delta SkyMiles, Hilton Honors, Marriott Bonvoy and other brands to offer credit cards with tailored rewards.

You may see cards from other issuers with “American Express” in the name, such as the Navy Federal More Rewards American Express? Card * The information for the Navy Federal More Rewards American Express? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. . In this case, American Express is acting as the card network, not the card issuer.

A card network facilitates payment processing, while a card issuer is a company that provides credit cards. With its own cards, American Express is both the card network and the card issuer.

How do American Express credit card rewards work?

The rewards you earn will depend on your American Express card.

With a co-branded card, you’ll generally earn points or miles through the partner brand. For example, Amex’s Delta credit cards earn Delta SkyMiles. These miles are deposited into your Delta SkyMiles account, not your Amex card account.

With a cash back card, you’ll earn “Reward Dollars” that you can redeem for statement credits. This is a bit of a bummer on Amex cards, because most cash back credit cards from other issuers offer additional options for redeeming rewards, such as a check or deposit to a bank account. That said, cash back does not come with a minimum redemption amount, though you can’t use your cash back to cover your minimum payment. Your cash back will never expire as long as your account remains active.

With a card that earns Amex Membership Rewards, you can redeem for travel, cash back, merchandise and more. Amex Membership Rewards points don’t expire as long as your account is open and in good standing, though you may forfeit points if you violate the program’s terms and conditions.

Minimum redemption amounts and point values can vary depending on the redemption option. For example, most point transfers have a 1,000-point minimum, and travel redemptions require at least 5,000 points.

Points are worth 1 cent each toward flights booked through Amex Travel or hotel stays booked with American Express Fine Hotels + Resorts, 0.7 cents each toward prepaid hotels, cars, cruises and vacations booked with Amex Travel, or 0.6 cents each to cover your charges, for instance.

A business card might be co-branded or earn either points or cash back.

How do American Express Membership Rewards work?

American Express Membership Rewards is a versatile credit card rewards program that earns valuable points.

You can even transfer your points to several different airline and hotel loyalty programs, giving you flexibility and potential for high-value redemptions such as first-class flights abroad and luxury hotel stays with Fine Hotels + Resorts.

Here’s a list of cards you can use to earn American Express Membership Rewards (terms apply):

• Amex Platinum
• Amex Gold
• Amex Green
• Amex Business Platinum
• Amex Business Gold
• Business Green Rewards Card from American Express * The information for the Business Green Rewards Card from American Express has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
• Blue Business Plus from American Express

You can also earn Membership Rewards points with a personal or business Rewards Checking account, or by signing up for the online shopping portal Rakuten and opting to earn Membership Rewards points instead of cash back. If you already have a Rakuten account earning cash back, you’ll need to open a new account.

Where is American Express accepted?

American Express cards are accepted at 99% of US retailers that take credit cards, according to a 2022 Nilson Report. You can search online to see if a particular US business will accept your Amex card.

Amex reported that over 66 million businesses globally accepted American Express cards as of July 2022, which is more than twice the number that accepted Amex cards in 2017. Still, you should bring a Visa or Mastercard if you are traveling internationally, just in case a business doesn’t accept your American Express card abroad.

What are American Express cards’ benefits?

American Express cards provide different benefits, but, broadly, you can look for the following upsides if you have an Amex credit card.

• Lucrative rewards: Most Amex cards come with a rewards program. If you choose the right card for your budget, spending habits and lifestyle, you could amass cash back, Membership Rewards points or rewards in a brand’s loyalty program.
• Access to Amex Offers. Amex partners with retail, restaurant, travel and business merchants to offer card holders targeted discounts or bonus rewards on products and services when they activate an offer and meet a spending requirement. You can log into your account to see the full list of offers.
• Purchase protections. If you buy a product with your Amex card, you may qualify for an extension of the manufacturer’s warranty, coverage to replace a lost or damaged item, and compensation to cover a return the merchant won’t accept, depending on the card. You can check Amex’s website to read the fine print and confirm that your card has a particular benefit.¹

How to apply for an American Express credit card

You can apply for an American Express credit card online or by phone (888-297-1244).

Applying for a credit card requires certain personal and financial information, such as your mailing address, employment status and gross annual income.

Amex’s “Apply With Confidence” feature allows you to find out if you’re approved for a personal American Express card with no impact on your credit score until you accept the card. Since applying for a credit card can lead to a small dip in your credit score, this feature can help you avoid hurting your credit if you won’t be approved for the card.

Which American Express card is easiest to get?

All of the cards on this page require good to excellent credit. On the FICO scale, that’s a score of at least 670. You’ll be hard-pressed to find an Amex card that’s “easy” to get. The issuer doesn’t offer student credit cards, secured credit cards or other options geared toward consumers building or rebuilding credit.

How many Amex cards can you have?

Amex doesn’t disclose a card limit on its website, but crowdsourced data indicates that you can generally have five personal or business American Express credit cards, plus additional Amex cards without a preset spending limit (such as the Amex Platinum or Amex Business Gold).

Are American Express credit cards worth it?

An American Express credit card can be a good choice for consumers with strong credit looking to earn rewards on their spending. As with other credit cards, you’ll want to pay your balance in full to avoid interest charges. If you need time to pay off a larger purchase, you can look for a card with a 0% introductory annual percentage rate (APR).

What are the interest rates on American Express cards?

The interest rate you’ll get on your Amex card depends on factors including your creditworthiness. If your card doesn’t come with a preset spending limit, you’ll see a pay over time APR in place of a purchase APR.

Methodology

Our money and data analytics teams evaluated nearly three dozen American Express cards — from cards that earn Membership Rewards points to cash back cards to co-branded retail, hotel and airline credit cards. From there, we narrowed down our list of the best Amex cards by giving them a star rating out of five, based on the following factors and our editorial judgment:

Welcome bonus value (25%)

A welcome bonus is a great incentive to open a card and try it out, and American Express is especially generous with some of its cards. We assessed these bonuses based on dollar value (for cash back cards) or considering average points values from travel site The Points Guy, with higher grades going to cards with bigger returns.

Rewards value (25%)

Beyond the welcome bonus, we evaluated Amex cards on their ongoing earning potential. Cards that don’t offer strong bonus categories or a low base rewards rate got lower rankings than those that come with spending categories that appeal to a broad range of customers.

Select fees (25%)

In this category, cards with lower annual fees performed better. American Express cards that charge foreign transaction fees (including, oddly, the Blue Cash Preferred? Card from American Express, which has an annual fee) didn’t get as high a grade.

Benefits and annual credits/bonuses (25%)

American Express is well-known for providing generous benefits and an array of annual credits and bonuses tied to making certain purchases. Some of these are easy to take advantage of while others require some effort. Our rankings count the easy-to-use perks and ignore the more niche benefits.

What didn’t make the cut

You may see the following cards on other lists of the best American Express cards. While they all have compelling features, there are reasons why they might not be a good fit for some consumers.

• Hilton Honors Aspire Card from American Express * The information for the Hilton Honors Aspire Card from American Express has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. : The Amex Hilton Aspire Card has a lot to offer if you frequently stay with Hilton, but it’s got a steep $550 annual fee and travel statement credits you’ll have to remember to use.
• Blue Cash Preferred? Card from American Express: Its 6% cash back rate at U.S. supermarkets is best in class, but it’s capped at $6,000 in annual purchases (then 1%) (terms apply, see rates and fees). The card’s $0 intro annual fee for the first year, then $95 makes it tempting initially, but your grocery budget will help determine if it's worthwhile in the long run.
• Amex EveryDay? Preferred Credit Card * The information for the Amex EveryDay? Preferred Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. : With a $95 annual fee, foreign transaction fees, capped bonus rewards on U.S. supermarket purchases and a requirement to make 30 or more transactions in a billing cycle to earn the most rewards, this card is hard to maximize for most.
• The American Express Blue Business Cash? Card * The information for the The American Express Blue Business Cash? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. : Similar in earning structure to Blue Business Plus from American Express, the Blue Business Cash (terms apply, see rates and fees) is a respectable card for small business owners who want to earn flat-rate cash back without paying an annual fee. But it doesn’t offer the opportunity to earn outsized value like cards that earn Membership Rewards points.
• Co-branded Amex business cards: Small business cards can offer solid value for business owners who are loyal to these companies. Their welcome bonuses and rewards are often higher than those offered by similar personal cards, but if you don’t qualify for small business cards, they’re a no-go. These include as The Hilton Honors American Express Business Card * The information for the The Hilton Honors American Express Business Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , Marriott Bonvoy Business? American Express? Card * The information for the Marriott Bonvoy Business? American Express? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. and Delta SkyMiles? Platinum Business American Express Card * The information for the Delta SkyMiles? Platinum Business American Express Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. .

Frequently asked questions (FAQs)

To view rates and fees of the The Platinum Card? from American Express, please visit this page.

To view rates and fees of the Blue Cash Everyday? Card from American Express, 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 American Express? Green Card * The information for the American Express? Green Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , please visit this page.

To view rates and fees of the The Business Platinum Card? from American Express * The information for the The Business Platinum Card? from American Express has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , please visit this page.

To view rates and fees of the American Express? Business Gold Card * The information for the American Express? Business Gold Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , please visit this page.

To view rates and fees of the The Blue Business? Plus Credit Card from American Express * The information for the The Blue Business? Plus Credit Card from American Express has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , please visit this page.

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

To view rates and fees of the Hilton Honors American Express Surpass? Card, please visit this page.

To view rates and fees of the Delta SkyMiles? Gold American Express Card, please visit this page.

To view rates and fees of the Delta SkyMiles? Reserve American Express Card, please visit this page.

To view rates and fees of the Marriott Bonvoy Brilliant? American Express? Card, please visit this page.

To view rates and fees of the The American Express Blue Business Cash? Card * The information for the The American Express Blue Business Cash? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , please visit this page.

¹Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.