11 Best American Express Credit Cards of November 2024
The best American Express credit cards have earned high marks thanks to their stellar rewards and perks. Amex offers a card for almost every type of spender, including credit cards for beginners, casual travelers, road warriors and always-on-the-go business travelers. Whether you’re looking for a no-annual-fee card, global airport lounge access, generous cash back in specific categories or premium access to events, Amex has a card to fit your needs.
Below, check out TPG’s picks for the best Amex cards from our partners to compare and decide which is right for you.
- The Platinum Card® from American Express: Best for high-end benefits
- American Express® Gold Card: Best for U.S. supermarkets and restaurants
- Blue Cash Preferred® Card from American Express: Best for maximizing cash back
- The Business Platinum Card® from American Express: Best for frequent business travelers
- Delta SkyMiles® Gold American Express Card: Best for occasional Delta flyers
- The Blue Business® Plus Credit Card from American Express: Best for small businesses that spend under $50,000 each year
- Delta SkyMiles® Reserve American Express Card: Best for SkyClub access
- Blue Cash Everyday® Card from American Express: Best for cash-back beginners
- American Express® Business Gold Card: Best for flexible earning on business expenses
- Hilton Honors American Express Aspire: Best for Hilton loyalists
- American Express® Green Card: Best for Best mid-tier Amex travel card
Browse by card categories
Best for high-end benefits
| 5X | 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. |
| 5X | Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. |
The Amex Platinum is unmatched when it comes to travel perks and benefits. If lounge access, hotel elite status and annual statement credits are important to you, this card is well worth the high annual fee. Read our full review of the Platinum Card from American Express.
Pros
- The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.
- This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, an assortment of annual statement credits and so much more. (Enrollment required)
- The current welcome offer on this card is quite lucrative. TPG values it at $1,600
Cons
- The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost.
- Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
- The annual airline fee credit can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards.
- 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.
- 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: Platinum Card® Members can get out and about and explore their local area with $15 in Uber Cash for US rides each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. Simply download the Uber app and add your Platinum Card® to your Uber account to get started. Available to Basic Card Member only. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
- $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 $120 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.
- See Rates & Fees
Best for U.S. supermarkets and restaurants
| 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. |
This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar at restaurants (on the first $50,000 in purchases per calendar year; then 1 point per dollar) and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining credit at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys, plus it added an up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. The card must be added to your Uber account and you can redeem with any Amex card. All this make it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits. Read our full review of the American Express Gold Card.
Pros
- 4 points per dollar on dining at restaurants (on the first $50,000 in purchases per calendar year; then 1 point per dollar) and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar)
- 3 points per dollar on flights booked directly with the airline or with Amex Travel
Cons
- Weak on travel and everyday spending bonus categories
- Not as effective for those living outside the U.S.
- Some may have trouble using Uber/food credits; few travel perks and protections
- 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.
- 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. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
- $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 U.S. 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.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Best for maximizing cash back
| 6% | 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%) |
| 6% | 6% Cash Back on select U.S. streaming subscriptions |
| 3% | 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more |
| 3% | 3% Cash Back at U.S. gas stations |
| 1% | 1% Cash Back on other purchases |
The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee. Read our full review of the Blue Cash Preferred Card from American Express.
Pros
- This card has one of the best earning structures out for among cash-back credit cards.
- The card comes with access to Amex Offers (activation required), which can save you even more money on specific purchases.
Cons
- There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
- You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
- Earn a $250 statement credit after you spend $3,000 in eligible 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 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible 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% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.49% - 29.49%.
- 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.
- 3% Cash Back 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 or at Amazon.com checkout.
- $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
- Terms Apply.
- See Rates & Fees
Best for frequent business travelers
| 5X | 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com |
| 1.5X | 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. |
| 1X | 1X points for each dollar you spend on eligible purchases. |
The Business Platinum Card from American Express is a great card for frequent travelers looking to add a touch of luxury to their business trips. While the card does come with a high annual fee, you’re also getting a ton of valuable benefits in return. They include generous annual travel credits, unparalleled lounge access that includes Amex Centurion Lounges and more. Read our full review on The Business Platinum Card from American Express.
Pros
- $120 credit for Global Entry every 4 years or up to $85 TSA PreCheck application fee every 4 1/2 years (enrollment required)
- Up to $400 annual credit for U.S. Dell purchases; Gold status in the Marriott and Hilton loyalty programs. (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection
- International Airline Program; and Cruise Privileges Program
Cons
- Steep annual fee
- High spend needed for welcome offer.
- Limited high bonus categories outside of travel
- 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.
Best for occasional Delta flyers
| 2X | Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. |
| 1X | Earn 1X Mile on all other eligible purchases. |
The Delta SkyMiles Gold Amex provides valuable elite-like benefits for causal Delta flyers including a first checked bag free and priority boarding. It can easily justify getting and keeping this card. Read our full review of the Delta SkyMiles Gold American Express Card.
Pros
- 20% back in the form of a statement credit on in-flight purchases (not including Wi-Fi)
- First checked bag free for you and up to eight companions
- Priority boarding
Cons
- There are better Delta cards if you want lounge access or a boost to earn elite status
- Doesn't make sense if you don't fly Delta
- Earn 50,000 Bonus Miles after you spend $2,000 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.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees
Best for small businesses that spend under $50,000 each year
| 2X | Earn 2X 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. Terms and limitations apply. |
This credit card is good for two groups of consumers. First, small business owners who have under $50,000 in purchases and wants to minimize any extra costs will find tremendous value from this card’s straightforward point-earning approach. Or, if you already own other Amex cards that earn Membership Rewards points and want a card with an everyday rewards rate, the 2x is helpful for all purchases (given that you spend less than $50,000 per calendar year). Read our full review of the Blue Business Plus card.
Pros
- No annual fee
- Earn Membership Rewards points
- Transfer points to 22 airline and hotel partners
Cons
- 2x points capped at $50,000 per calendar year; then 1x
- No higher bonus categories for business-related spending
- 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, 17.74% - 25.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X 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. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
Best for SkyClub access
| 3X | Earn 3X Miles on Delta purchases. |
| 1X | Earn 1X Miles on all other eligible purchases. |
The Delta SkyMiles Reserve American Express Card is the premier choice for Delta loyalists who value an accelerated path to elite status, Delta SkyClubs lounge access, an annual companion certificate and strong earning rates on Delta purchases. Read our review of the Delta SkyMiles Reserve card. 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.
Pros
- Statement credit for Global Entry ($120 every 4 years)/TSA PreCheck (up to $85 every 4.5 years).
- Delta SkyClub access when flying Delta. 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.
Cons
- High annual fee of $650
- Lower fee Delta cobranded cards offer superior earning categories
- Earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
- Enjoy complimentary access to the Delta Sky Club® when you fly Delta. 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 a Main Cabin round-trip flight within the U.S. and to Mexico, the Caribbean, or Central America 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.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees
Best for cash-back beginners
| 3% | 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. |
| 3% | 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. |
| 3% | 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. |
| 1% | 1% Cash Back on other purchases. |
The Blue Cash Everyday card is a good option for people who want a simple cash back structure with no annual fee. You’ll earn bonus cash back rewards on popular bonus categories, including U.S. supermarkets and U.S. gas stations. Read our full review of the Blue Cash Everyday Card from American Express.
Pros
- No annual fee
- 3% cash back at U.S. gas stations and U.S. online retail purchases
- Amex Offers, which earn you statement credits or extra points on purchases with a wide variety of merchants. (Enrollment required)
- 3% cash back at U.S. supermarkets
Cons
- There is a $6,000 spending cap on the U.S. supermarkets bonus category, which may not work for those with larger annual grocery spend.
- You’ll have to pay a foreign transaction fee on purchases abroad, so it’s not a great choice to take with you when traveling outside of the U.S.
- 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, 18.49% to 29.49% 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.
- See Rates & Fees
Best for flexible earning on business expenses
| 4X | 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.* |
| 3X | Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.* |
| 1X | 1X is earned for other purchases. ** |
The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full review of the American Express Business Gold Card.
Pros
- You'll earn 4 Membership Rewards points per dollar in the top 2 spending categories each billing cycle (on the first $150,000 in combined purchases each calendar year; then 1 point per dollar).
Cons
- Hefty $375 annual fee.
- There may be better options for small businesses who don't spend a lot.
- 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 18.74% to 27.74% 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
Best for Hilton loyalists
Hilton Honors American Express Aspire
| 14X | 14X points on hotels and resorts For eligible purchases at hotels and resorts in the Hilton portfolio. |
| 7X | 7X points on select travel Including flights booked directly with airlines or AmexTravel.com and car rentals booked directly with select car rental companies. |
| 7X | 7X points on dining at U.S. restaurants, including takeout and delivery. |
| 3X | 3X points for each dollar spent on other eligible purchases. |
Pros
- Automatic Diamond status
- Free-night certificate every year upon account renewal
- 14 points per dollar spent at eligible Hilton properties
- Various statement credits for select purchases
Cons
- High annual fee
- Many perks limited to Hilton properties
- Statement credits take effort to maximize
The Hilton Amex Aspire could be a perfect fit for even a casual Hilton Honors traveler, as the automatic Diamond status unlocks an array of on-property perks, and the free-night certificate you get every year can (in some cases) cover the card’s annual fee by itself.
Best for Best mid-tier Amex travel card
American Express® Green Card
| 3X | Earn 3X Membership Rewards® points on travel including airfare, hotels, cruises, tours, car rentals, campgrounds, and vacation rentals. |
| 3X | Earn 3X Membership Rewards® Points on transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways. |
| 3X | Earn 3X Membership Rewards® points on eligible purchases at restaurants worldwide, including takeout and delivery in the US. |
| 1X | Earn 1X Membership Rewards® points on all other purchases. |
Pros
- Decent earning rates across popular spend categories
- Annual Clear Plus credit
- Annual LoungeBuddy credit
- No foreign transaction fees
Cons
- $150 annual fee
- May not offer much value if you’re not a frequent traveler
The American Express® Green Card is packed with value for the frequent jet setter who will maximize the travel credits and related perks that come with it. In addition to earning valuable Amex Membership Rewards points on purchases such as transit, flights, hotels and vacation rentals, this card offers a nice starter stash of points in the form of an attainable welcome bonus.
Comparing the best American Express credit cards
Credit card | Best for | Intro offer | Earning rate | Annual fee |
|---|---|---|---|---|
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | high-end benefits | Earn 80,000 points Open Intro bonus 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. | 5X points | $695 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | U.S. supermarkets and restaurants | 60,000 points Open Intro bonus 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. | 1 - 4X points | $325 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | maximizing cash back | Earn $250 Open Intro bonus Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. | 1 - 6% cash-back | $0 intro annual fee for the first year, then $95. |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | frequent business travelers | Earn 150,000 points Open Intro bonus 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. | 1 - 5X points | $695 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | occasional Delta flyers | Earn 50,000 Bonus Miles Open Intro bonus Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. | 1 - 2X points | $0 introductory annual fee for the first year, then $150. |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | small businesses that spend under $50,000 each year | 15,000 Membership Rewards® points Open Intro bonus 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. | 2X points | No annual fee |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | SkyClub access | Earn 70,000 Bonus Miles Open Intro bonus Earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership. | 1 - 3X points | $650 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | cash-back beginners | Earn $200 Open Intro bonus Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. | 1 - 3% cash-back | $0 |
ELEVATED BONUS OFFER Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | flexible earning on business expenses | Earn 100,000 points Open Intro bonus 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.* | 1 - 4X points | $375 |
Hilton Honors American Express Aspire * *The information about the Hilton Honors American Express Aspire has been collected independently by ThePointsGuy.com. The card details have not been reviewed or approved by the card issuer. Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. Information updated as of 11/11/2024 | Hilton loyalists | Earn 175,000 points Open Intro bonus Earn 175,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 1/8/2025. | 3 - 14X points | $550 |
American Express® Green Card * *The information about the American Express® Green Card has been collected independently by ThePointsGuy.com. The card details have not been reviewed or approved by the card issuer. Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. Information updated as of 09/20/2024 | Best mid-tier Amex travel card | Earn 40,000 points Open Intro bonus Earn 40,000 Membership Rewards® Points
after you spend $3,000 in eligible purchases on your American Express Green Card® within the first 6 months of Card Membership. | 1 - 3X points | $150 |
More details on the best American Express credit cards
The perks on the Amex Platinum are almost too numerous to list out — but they include extensive airport lounge access and a variety of statement credits to make your travel (and select everyday purchases) more rewarding and less costly.
The Amex Platinum is ideal for someone looking for additional luxury on their travels, but the numerous lifestyle perks could make it a terrific choice for an even broader audience.
“Whilst this card has a high $695 annual fee (see rates and fees), it more than justifies itself for frequent travelers like me. The lounge access options that come with the Platinum are unrivaled by competitors. I put all of my flights — whether bought with cash or points — on this card to earn 5 points per dollar spent (on up to $500,000 in these purchases per year) and to enjoy various travel protections. I also make sure to take full advantage of the array of statement credits. And, honestly, pulling a Platinum card out of your wallet to pay for something does feel pretty fancy.” — Matt Moffitt, senior editor
For luxury perks at a much lower price point, the Capital One Venture X Rewards Credit Card could be a great option.
The Amex Gold awards 4 points per dollar at U.S. supermarkets (on up to $25,000 in spending each year, then 1 point) and 4 points per dollar at worldwide restaurants (on the first $50,000 in purchases per calendar year; then 1 point per dollar), making it one of the more rewarding cards for everyday purchases.
Anyone who’s looking to maximize their grocery and dining purchases can get a ton of value from the Amex Gold.
“There's no better card for groceries and dining than the Amex Gold. I earn 4 points per dollar in both of these categories, and with additional perks like monthly statement credits and the ability to transfer my Membership Rewards points to valuable airline partners, the card is a mainstay in my wallet.” — Nick Ewen, director of content
For a much lower annual cost, consider the Chase Sapphire Preferred® Card, which offers 5 points per dollar on purchases through Chase Travel℠; 3 points per dollar on dining, select streaming services and online grocery delivery (excluding Walmart, Target and wholesale clubs); and 2 points per dollar on all other travel purchases.
The Blue Cash Preferred offers solid cash-back rewards across a variety of categories, but you can also enjoy a lucrative welcome offer and additional statement credits for select purchases during the year.
Someone who doesn’t want to worry about maximizing travel rewards is a great fit for the Blue Cash Preferred.
“The Blue Cash Preferred Card is the card I recommended to my parents when they were looking for a new cash-back rewards card for their groceries. My parents prefer the simplicity of cash-back rewards and I knew they'd benefit from earning 6% cash back on up to $6,000 per year in purchases at U.S. supermarkets, then 1% after. Compared to the 1.5% cash back they were earning on these purchases, the elevated earnings easily justified adding the Blue Cash Preferred to their wallet.” — Katie Genter, senior writer
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
For similar perks at a lower cost, consider the Blue Cash Everyday® Card from American Express, which has comparable cash-back rates for no annual fee (see rates and fees).
The Amex Business Platinum has a list of perks almost too lengthy to mention — including annual statement credits for various business-related expenses. But the most appealing aspects of the card involve the travel benefits, including automatic hotel elite status and access to the Fine Hotels + Resorts program.
Small-business owners who want to add a bit of luxury to their travels while saving money on some essential purchases would be a great fit for the card.
“I find that the annual perks and credits provide a ton of value. By using the benefits with Priority Pass and Amex lounges, the airline incidental credits, plus the statement credits for Clear Plus, our cellphone plan and restocking my home printer with ink and paper from Dell, I get more value out of the card than it costs to keep it (enrollment is required for select benefits). Plus, it earns my favorite points — American Express Membership Rewards points — earning 5 points per dollar on flights and hotels booked with Amex Travel (on up to $500,000 in purchases each year).” — Ryan Smith, former credit cards writer
If you’re more focused on earning rewards rather than using benefits, consider the American Express® Business Gold Card, which offers 4 points per dollar on your top two spending categories each billing cycle (on up to $150,000 in combined purchases each year, then 1 point per dollar).
There’s a lot to love about the Delta SkyMiles Gold Amex, thanks to perks like no foreign transaction fees, a free checked bag, priority boarding and a $200 Delta flight credit after you spend $10,000 or more on your card in a calendar year. It has an annual fee of just $150, $0 intro annual fee for your first year.
You’ll enjoy great airline-specific perks and travel benefits with a low annual fee, making the Delta Gold Amex a great option for casual Delta flyers and new travelers.
“As someone who likes flying Delta but doesn’t fly often enough to earn elite status, my Delta SkyMiles Gold Amex still gives me elitelike perks to help upgrade my travel experience.” — Madison Blancaflor, senior content operations editor
Those seeking Delta Medallion elite status may prefer the Delta SkyMiles® Platinum American Express Card. This card can help you requalify for Medallion status based on your spending each year and also includes additional perks for frequent Delta travelers.
It’s rare that a card with no annual fee (see rates and fees) awards fully transferable points, but that’s exactly what you’ll get with the Blue Business Plus. These points can be redeemed for travel directly with American Express, but for more value, you can transfer them to an eligible hotel or airline loyalty program.
Small-business owners who don’t want to worry about maximizing bonus categories can earn a ton of Amex points with the Blue Business Plus.
“There are very few no-annual-fee cards that award fully transferable points, but the Amex Blue Business Plus is one of them. Not only that, you'll earn 2 Membership Rewards points for every dollar you spend (on up to $50,000 each year, then 1 point). That's a fantastic return of 4% back based on TPG's valuations, making this a great option for your small-business needs.” — Nick Ewen, director of content
If you don’t want to worry about travel rewards and instead want to plow your earnings back into your small business, go for the American Express Blue Business Cash™ Card — which also incurs no annual fee (see rates and fees) and gives 2% cash back on every purchase (on up to $50,000 in spending each calendar year, then 1% cash back). These rewards are automatically applied to your card balance as a statement credit.
The Delta SkyMiles Reserve provides cardholders with complimentary Sky Club access whenever they fly with Delta Airlines in addition to complimentary Centurion Lounge access as well. 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.
Frequent Delta flyers who book travel and make purchases directly with the airline should carry this card in their wallets since it earns 3 miles per dollar spent in this category. Plus, with the SkyMiles Reserve card, your first checked bag is free on Delta flights.
If you enjoy complimentary upgrades, the Delta SkyMiles Reserve card can help you access them. Even if you haven’t achieved Medallion status yet, this credit card adds you to the complimentary upgrade list (after Medallion-status members). You’ll also get a 20% statement credit on eligible inflight purchases when you use your SkyMiles Reserve card.
The Delta SkyMiles® Platinum American Express Card features a lower annual fee of $350 (see rates and fees) and still offers cardholders plenty of perks, including a Global Entry statement credit every four years and 15% savings when using miles to book award travel on Delta flights booked through the airline.
For no annual fee, you’ll enjoy up to 3% cash back on a variety of purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Those looking for lucrative cash-back rates without an annual fee are great candidates for the Blue Cash Everyday.
“I added this card to my wallet shortly after my first travel card as a way to earn better rewards on U.S. gas and U.S. supermarket purchases. Three percent back on both categories (up to $6,000 per year in purchases, then one percent after) was a great way for me to earn higher cash back on many of my everyday purchases without any added annual fee.” — Jack Markham, senior director
The Blue Cash Preferred® Card from American Express offers notably higher cash-back rates at select merchants, so depending on your spending habits, you could come out ahead — even once the card’s $95 annual fee kicks in, $0 intro annual fee for the first year (see rates and fees).
Membership Rewards points are incredibly valuable, and the Amex Business Gold card lets small businesses earn a ton of them. You’ll earn 4 points per dollar on the two categories where you spend the most each billing cycle (on up to $150,000 in combined purchases each year, then 1 point per dollar). These points can go a long way toward your next luxury flight redemption.
Any small-business owner with significant spending in the eligible bonus categories — which include U.S. gas stations, U.S. restaurants, select technology providers and certain advertising purchases — can get great value from the Amex Business Gold card.
“No other card provides the earning potential and adaptability this card has. Sure, its $375 annual fee isn’t cheap (see rates and fees), but I love the fact I don’t need to think about what purchases I put on this card. It will automatically adapt and provide 4 points per dollar in my top two spending categories each billing cycle.” — Ryan Smith, former credit cards writer
For a fixed earning rate and no annual fee (see rates and fees), go for the The Blue Business® Plus Credit Card from American Express. You’ll earn 2 Membership Rewards points per dollar spent on all purchases (on up to $50,000 in spending each calendar year, then 1 point per dollar).
As the most premium product offering in the cobranded Hilton-Amex roster of cards, the Aspire offers a ton of value if you maximize all of the credits that come with it year after year.
The information for the Hilton Honors American Express Aspire Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
The Hilton Aspire is for Hilton loyalists who frequent the hotel chain and travel enough that they can offset the cost of the annual fee using the credits that come with it — primarily, the up to $400 annual property credit and the up to $200 annual flight credit (broken up as two $200 semi-annual credits and four $50 quarterly credits each year, respectively).
“I love that the flight credits and on-site credits automatically apply when I make eligible purchases using my Hilton Aspire. It’s one less thing to keep track of and offsets the cost of the hefty annual fee.” — Daisy Hernandez, Credit cards editor
Those who don’t mind paying an annual fee and are looking for a card that comes with great earning rates in common spend categories and that will provide automatic elite status should consider the Hilton Honors American Express Surpass® Card.
The Green Card is one of several offerings from American Express and is well-suited for those who want a travel card without the hefty annual fees of more premium products.
The information for the American Express Green Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
This card offers solid earning rates in popular spend categories and is ideal for travelers who want to earn transferable Amex Membership Rewards points.
Whether you’re already in the Amex ecosystem or a newbie to it, the Green Card is an easy way to transition into earning Membership Rewards points, taking advantage of Amex Offers and generally getting acquainted with this issuer.
If you want a more premium product, consider The Platinum Card® from American Express. In addition to earning a large stash of Membership Rewards points, you’ll get access to Centurion Lounges as well as purchase protections like extended warranties**.
How we rate
Here’s why American Express remains a fan-favorite issuer
Thanks to the myriad perks of being an Amex cardholder, the issuer has been able to offer a product suitable for every type of spender.
Amex cards are so popular that 39% of TPG readers we surveyed shared that they simultaneously hold both The Platinum Card® from American Express and the American Express® Gold Card.
Cardholders who are frequent travelers, prefer staying at a specific hotel chain or are loyal to a specific airline get to choose from several cobranded Amex products while those who prefer to earn straightforward cash back or points also have lots of great options to consider.
Amex card rewards include on-property credits at select hotels, travel credits when you book and pay for a flight with certain Amex cards and even dining credits at specific restaurants and on eligible takeout and delivery orders. Both the Amex Gold and Amex Platinum cards are great for foodies and travelers alike — and make an especially powerful combo for foodies who frequently fly, too!
Ask our experts
What's your favorite Amex card — and why?
What TPG readers have to say about their favorite American Express credit cards
American Express is well known for its roster of cards that offer stellar perks and credits. Below, TPG readers share their favorite American Express cards and how they use their cards for general purchases and upgraded travel.
Note: Reader-submitted responses have not been edited, reviewed or approved by the issuers nor reflect TPG’s opinions of these cards.
The Platinum Card® from American Express
“The annual fee pays for itself.” — Chris B via Facebook
American Express® Gold Card
“Uber and GrubHub credits.* I use them every single month because they're offered every month.” — Chris H via Facebook
*Enrollment required. Uber Cash requires card be added to Uber app to receive this benefit.
The Business Platinum Card® from American Express
“Transferring Amex Biz Platinum points to Delta Amex for 10 round trip Comfort+ flights between OMA-JFK that most have received automatic 1st class upgrades on.” — Tammy S via Facebook
How to choose the best Amex credit card
- Go with an Amex that features a decent Welcome bonus — you can use the reward you earn for future travel plans or to pay down a balance if you opt for a cash-back card. Select an option that has an achievable spend threshold and that you’ll earn the currency most valuable to you — whether it’s points, miles or cash back.1Welcome bonus
- While some of the Amex cards on our list feature high annual fees, they also offer stellar travel and shopping protections in addition to other benefits like credits in certain categories. We also included no annual fee cards for those who don’t want to worry about paying for a card each year.2Annual fee
- The best Amex cards on this list feature several bonus categories, ensuring there’s a good fit for every type of consumer. If you want to earn rewards on grocery store purchases or flights booked through the Amex travel portal, it’s likely that one of our top-rated picks is well-suited to your specific needs.3Bonus categories
Pros + cons of American Express cards
Pros
- American Express cards can earn points, miles or cash back on every dollar you spend, helping you maximize your reward-earning strategy
- Many American Express cards offer valuable shopping and travel protections
- Select American Express cards provide perks like statement credits, elite status and more
Cons
- The cost of borrowing on Amex cards is higher than traditional loans
- American Express may not be accepted by all merchants
- American Express typically only allows you to earn one welcome bonus per card once in your lifetime
American Express benefits
American Express cards have long held a reputation for lucrative benefits, though the extent of these perks depends on the card you have.
Frequently asked questions
Yes, American Express is a reliable issuer that offers a variety of lucrative cards. This includes a number of great cash-back options as well as many that award Membership Rewards points, which are some of the most valuable transferable points out there.
To start an American Express application, you can click on any of the links in this guide and follow the onscreen prompts. Be prepared with your Social Security number along with all of your contact information.
No, but the issuer has made strides in recent years. In fact, according to the February 2023 Nilson report, Amex is now accepted at 99% of U.S. merchants that take credit cards — putting it nearly even with networks like Visa and Mastercard.
There’s no single threshold to get approved for an American Express card, but most of them require good or excellent credit — which means a score of at least 670. However, even that may not be enough for a premium card like the The Platinum Card® from American Express.
Amex generally limits the number of personal cards you can have to five, though cards without preset spending limits — like The Platinum Card® from American Express and American Express® Gold Card — are typically excluded from this number, as are small-business Amex cards.
However, that’s not a license to apply for new cards with abandon, since American Express will consider your history of opening and closing accounts when deciding on your approval. You can read more information in the Amex section of our guide to credit card application restrictions.
There’s no one “best” American Express card for everyone. If you’re looking for more luxury when traveling, The Platinum Card® from American Express could be a great fit. However, if you just want simple cash-back rewards, you may prefer a product like the Blue Cash Preferred® Card from American Express.
Start by identifying the type of rewards you want — Membership Rewards points, airline miles, hotel points or cash back. Next, consider the types of purchases you make on a regular basis along with other benefits you value highly. Then, pick the card that offers your preferred rewards currency along with sufficiently lucrative benefits and earning rates based on your typical spending habits.