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13 Best American Express Cards for 2022

13 Best American Express Cards for 2022

The Platinum Card® from American Express is the best American Express card because it is laden with travel credits and luxury travel benefits, including access to exclusive Centurion Lounges.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more. Citi is an advertising partner.

Top American Express cards of 2022

The Platinum Card® from American Express

American Express® Gold Card

Blue Cash Preferred® Card from American Express

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Whether you're looking for a Delta credit card or just a Membership Rewards-earning card through American Express, American Express offers plenty of options. American Express cards are known for their luxurious benefits, such as Centurion Lounge access or sizable statement credits. However, these perks come at a pretty penny, as most American Express cards come with hefty annual fees.

Compare the best American Express credit cards of 2022

Welcome Offer
Credit Needed
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Annual Fee
The Platinum Card® from American Express
The Platinum Card<sup>®</sup> from American Express
Earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership.660 - 850$695 See Rates & Fees.
Apply Now
See Rates & Fees. Terms Apply. On American Express' Secure Website
American Express® Gold Card
American Express<sup>®</sup> Gold Card
60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.660 - 850$250 See Rates & Fees.
Apply Now
See Rates & Fees. Terms Apply. On American Express' Secure Website
Blue Cash Preferred® Card from American Express
Blue Cash Preferred<sup>®</sup> Card from American Express
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.660 - 850$0 intro annual fee for the first year, then $95 See Rates & Fees.
Apply Now
See Rates & Fees. Terms Apply. On American Express' Secure Website
Delta SkyMiles® Gold American Express Card
Delta SkyMiles<sup>®</sup> Gold American Express Card
Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6 months.660 - 850$0 introductory annual fee for the first year, then $99. See Rates & Fees.
Apply Now
See Rates & Fees. Terms Apply. On American Express' Secure Website
The Business Platinum Card® from American Express
The Business Platinum Card<sup>®</sup> from American Express
Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership. 660 - 850$695
Not available on ValuePenguin
The Blue Business® Plus Credit Card from American Express
The Blue Business<sup>®</sup> Plus Credit Card from American Express
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.660 - 850No annual fee
Not available on ValuePenguin
Blue Cash Everyday® Card from American Express
Blue Cash Everyday<sup>®</sup> Card from American Express
Earn up to $250 – Here’s How: Earn up to $150 back when you shop with PayPal. Earn 20% back as a statement credit on purchases when you use your new Card to check out with PayPal at merchants in the first 6 months of Card Membership, up to $150 back. Plus, earn $100 back as a statement credit after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership.660 - 850$0 See Rates & Fees.
Apply Now
See Rates & Fees. Terms Apply. On American Express' Secure Website
Hilton Honors American Express Card
Hilton Honors American Express Card
80,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership.660 - 850$0 See Rates & Fees.
Apply Now
See Rates & Fees. Terms Apply. On American Express' Secure Website
Business Green Rewards Card from American Express
Business Green Rewards Card from American Express
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.See website for details$0 intro annual fee for the first year, then $95
Not available on ValuePenguin
Marriott Bonvoy Brilliant® American Express® Card
Marriott Bonvoy Brilliant<sup>®</sup> American Express<sup>®</sup> Card
Earn 150,000 Marriott Bonvoy® bonus points after you use your new Card to make $5,000 in purchases on the Card within the first 3 months.660 - 850$650 See Rates & Fees.
Apply Now
See Rates & Fees. Terms Apply. On American Express' Secure Website
The Amex EveryDay® Credit Card from American Express
The Amex EveryDay® Credit Card from American Express
10,000 Membership Rewards® points after you use your new Card to make $2,000 in purchases in your first 6 months720 - 850$0
Not available on ValuePenguin
Hilton Honors American Express Surpass® Card
Hilton Honors American Express Surpass® Card
Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 3 months of Card Membership.660 - 850$95
Not available on ValuePenguin
American Express Cash Magnet® Card
American Express Cash Magnet® Card
$200 back after spending $2,000 or more in purchases with your card within the first 6 months of card membership.660 - 850$0
Not available on ValuePenguin
Welcome Offer
Earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership.
60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Credit Score Needed
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660 - 850
660 - 850
Annual Fee
Apply Now
See Rates & Fees. Terms Apply. On American Express' Secure Website
Apply Now
See Rates & Fees. Terms Apply. On American Express' Secure Website

Best American Express card overall and for luxury travel

The Platinum Card® from American Express

See Rates & Fees. Terms Apply. On American Express' Secure Website

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

$695

See Pay Over Time APR

660 - 850

  • Earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, 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.
  • Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. Plus Ups are excluded.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • Get up to $300 back per calendar year on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card. Enrollment required. Learn more.
  • Breeze through security with CLEAR® lanes available at 100+ airports, stadiums, and entertainment venues and get up to $189 back per calendar year on your membership when you use your Card. Learn more.
  • $695 annual fee.
  • Terms Apply.
Earns transferable points

  • The Platinum Card® from American Express comes with leading luxury benefits, including travel credits and lounge access
  • Global Entry/TSA PreCheck Fee credit.
  • Up to $200 in Uber Cash each year ($15/month, and a $20 bonus in December) toward U.S. Uber Eats and U.S. Uber rides, once you add the card to the Uber app.
  • Up to $100 credit for purchases at Saks Fifth Avenue or saks.com (enrollment required).
  • Up to $200 hotel credit redeemed as an annual statement credit, valid for prepaid bookings at Fine Hotels & Resorts or The Hotel Collection properties made through American Express travel
  • Access to the American Express Concierge service.
  • Access to the Global Lounge Collection, including Centurion Lounges and Priority Pass lounges (enrollment required).
  • Complimentary Hilton Honors Gold and Marriott Bonvoy Gold status (enrollment required).
  • Terms apply.
  • $695 annual fee
  • Terms apply.

For rates and fees of The Platinum Card® from American Express, please click here

Cardholders earn a substantial bonus on airline and hotel purchases:

  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply.
  • 1 point per $1 spent on other purchases.

With travel perks like Global Lounge Collection access, $200 back on eligible Fine Hotels + Resorts bookings, a fee credit for Global Entry or TSA Precheck and automatic elite status with Hilton Honors and Marriott Bonvoy (enrollment required), The Platinum Card® from American Express is difficult to outshine in the luxury travel space. The card comes with a steep $695 annual fee, yet its generous rewards rate and option to transfer points to Amex partners like Delta SkyMiles and Singapore KrisFlyer make it well worth the investment.

Use the extensive travel credits that come with this card to offset the high annual fee with The Platinum Card® from American Express.


Best American Express card for foodies and travelers

American Express® Gold Card

See Rates & Fees. Terms Apply. On American Express' Secure Website

60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

$250

19.74%-26.74% Variable

660 - 850

  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and 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, Milk Bar and select Shake Shack locations. Enrollment required.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
Earns transferable points

  • The American Express® Gold Card comes with other useful benefits for frequent travelers and diners, including several valuable credits
  • Up to $120 dining credit (up to $10/month) to the following retailers: Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and participating Shake Shack locations (enrollment required).
  • Up to $120 in Uber Cash each year ($10/month) for Uber rides or Uber Eats in the U.S. Your American Express® Gold Card needs to be added to your Uber app in order to receive this monthly Uber Cash benefit.
  • Up to $100 hotel credit when you book with The Hotel Collection for two consecutive nights, with potential for room upgrade.
  • Baggage insurance for any baggage that is lost, stolen or damaged during your travels.
  • Rental car insurance.
  • Terms apply
  • High annual fee
  • Other cards offer higher welcome offers
  • Terms apply.

For rates and fees of American Express® Gold Card, please click here

When you spend on the American Express® Gold Card you will earn generous rewards at restaurants and U.S. supermarkets:

  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Terms apply.

The American Express® Gold Card is ideal for foodies who love to indulge during travel or at home. This is due to its exceptional rewards rate for food purchases at restaurants and at U.S. supermarkets, but the card's annual dining credit helps, too (enrollment required). If a cardholder maxes out the 4X points offered on up to $25,000 spent at U.S. supermarkets each year with this card, they can rack up 100,000 points annually in this category alone.

Use your card every time you order in and head to the U.S. supermarket to ensure you’re getting the most value from the earning rate and working to offset the high American Express® Gold Card annual fee.


Best American Express credit card for cash back

Blue Cash Preferred® Card from American Express

See Rates & Fees. Terms Apply. On American Express' Secure Website

Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

$0 intro annual fee for the first year, then $95

17.74%-28.74% Variable

660 - 850

  • Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 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 after 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% for 12 months on purchases from the date of account opening, then a variable rate, 17.74% to 28.74%
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $13.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
Does not earn transferable points

  • The card comes with a few other benefits, including an intro APR offer of 0% on purchases for 12 months
  • Intro APR of 0% on purchases for 12 months, then an APR of 17.74%-28.74% Variable applies.
  • Rental car insurance.
  • Access to the American Express Global Assist Hotline.
  • Access to Shoprunner (enrollment required).
  • Terms apply
  • High earning rate at U.S. supermarkets is capped at $6,000 annually
  • Terms apply.

The Blue Cash Preferred® Card from American Express offers generous rewards in everyday spending categories, including U.S. gas stations and U.S. supermarkets:

  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply. Cash back is awarded in the form of statement credits.

For rates and fees of Blue Cash Preferred® Card from American Express, please click here

The Blue Cash Preferred® Card from American Express is perfect for earning cash back due to its robust bonus categories that nearly everyone uses, including an industry-leading 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply. Your cash is easily redeemable for statement credits. While a $0 intro annual fee for the first year, then $95 annual fee applies, a generous welcome offer and an introductory APR offer for purchases and balance transfers make this card an even better deal.

Use our rewards calculation to see if you can earn enough Blue Cash Preferred® Card from American Express rewards to offset the card’s annual fee before applying.


Best American Express credit card for Delta

Delta SkyMiles® Gold American Express Card

See Rates & Fees. Terms Apply. On American Express' Secure Website

Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6 months.

$0 introductory annual fee for the first year, then $99.

19.49%-28.49% Variable

660 - 850

  • Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6 months.
  • Enjoy your first checked bag free on Delta flights.
  • Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
  • Earn 1X Mile on all other eligible purchases.
  • $100 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, receive a Credit to use toward future travel.
  • Enjoy a $0 introductory Annual Fee for the first year, then $99.
  • Terms Apply.
Earns transferable points

  • The card's other benefits are valuable for cardholders who fly on Delta Airlines often
  • First checked bag free when flying on Delta.
  • $100 Delta flight credit when you spend $10,000 on your card in a calendar year.
  • 20% back as a statement credit on purchases made in-flight on Delta flights.
  • Priority boarding (Main Cabin 1) when flying with Delta.
  • Terms apply
  • Has an annual fee after the first year
  • Terms apply.

For rates and fees of Delta SkyMiles® Gold American Express Card, please click here

Besides Delta purchases, the card allows you to earn bonus miles on restaurant and U.S. supermarket purchases:

  • Earn 2X Miles on Delta purchases, at restaurants worldwide, plus takeout and delivery in the U.S., and at U.S. supermarkets. Earn 1X Mile on all other eligible purchases.

The Delta SkyMiles® Gold American Express Card is the best American Express credit card for Delta due to the money-saving benefits cardholders receive. Not only do travelers receive a first checked bag free on every Delta flight, but this perk applies to up to eight other companions on their itinerary. Other perks include 20% back on in-flight purchases like food and beverages, a $100 Delta Flight Credit toward future travel when you spend $10,000 on purchases during a calendar year and automatic priority boarding in Main Cabin 1 on Delta flights.

Learn more about the Delta Skymiles program.


Best American Express card for business travel

The Business Platinum Card® from American Express

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Not available on ValuePenguin

Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.

$695

17.99% - 25.99% Variable

660 - 850

  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • Get 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 eligible purchases 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 everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
  • $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at more than 50 U.S. airports and stadiums.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
  • $695 Annual Fee.
  • Terms Apply.
Earns transferable points

  • The card comes with the same valuable travel credits as the consumer version of the card. In addition, it offers a $400 Dell statement credit (enrollment required), helping you make up the annual fee
  • Global Entry/TSA PreCheck Fee credit.
  • 35% points rebate when you use American Express Membership Rewards to purchase first/business-class tickets (enrollment required).
  • Complimentary benefits through the Fine Hotels & Resorts and The Hotel Collection.
  • Access to the American Express Concierge service.
  • Access to the Global Lounge Collection, including Centurion Lounges and Priority Pass lounges (enrollment required).
  • Complimentary Hilton Honors Gold and Marriott Bonvoy Gold status (enrollment required).
  • Terms Apply.
  • High annual fee
  • Low earning rate for everyday spending
  • Terms apply.

Like the consumer version of the card, The Business Platinum Card® from American Express offers bonus points on travel purchases. In addition, it offers a bonus to cardholders who spend heavily on the card:

  • 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more.

The Business Platinum Card® from American Express is the best choice for business travelers due to its robust selection of perks like airport lounge access, travel insurance and complimentary hotel loyalty program status (enrollment required). Cardholders also qualify for bonus points for purchases over $5,000 and a 35% rebate when paying for first or business class flights using American Express Membership Rewards points (enrollment required), as well as statement credit offers from companies like Dell and Indeed (enrollment required). Other notable travel perks that help make up for the card's $695 annual fee include a $200 airline fee credit (enrollment required), a $189 credit toward CLEAR membership and access to the Fine Hotels + Resorts program.

The Business Platinum Card® from American Express earns Membership Rewards points. These points can be transferred to Amex airline and hotel partners to yield greater value.


Best American Express credit card for earning points

The Blue Business® Plus Credit Card from American Express

Generic art
Not available on ValuePenguin

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.

No annual fee

16.99% - 24.99% Variable

660 - 850

  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 24.99%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply
Earns transferable points

  • The card comes with a few other benefits, including an introductory APR for purchases
  • Intro APR of 0% on purchases for 12 months from date of account opening. (16.99% - 24.99% Variable thereafter).
  • No annual fee.
  • Terms apply.
  • No welcome offer
  • Few travel perks
  • Higher rewards rate is capped
  • Terms apply.

The card's 2X earning rate makes it ideal for pairing with other Amex Membership Rewards cards:

  • 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.

The Blue Business® Plus Credit Card from American Express is best for earning points due to the fact that cardholders can rack up Amex Membership Rewards points with No annual fee required. 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. A generous welcome offer and an introductory APR offer for business purchases make this business card from Amex well worth your consideration.

The Blue Business® Plus Credit Card from American Express is a great No annual fee-annual-fee option for earning Membership Rewards, but it's light on travel-related benefits. For a list of cards with great travel-related perks, see our best business credit cards page.


Best American Express credit card for U.S. supermarkets and U.S. gas stations

Blue Cash Everyday® Card from American Express

See Rates & Fees. Terms Apply. On American Express' Secure Website

Earn up to $250 – Here’s How: Earn up to $150 back when you shop with PayPal. Earn 20% back as a statement credit on purchases when you use your new Card to check out with PayPal at merchants in the first 6 months of Card Membership, up to $150 back. Plus, earn $100 back as a statement credit after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership.

$0

17.74%-28.74% Variable

660 - 850

  • Earn up to $250 – Here’s How: Earn up to $150 back when you shop with PayPal. Earn 20% back as a statement credit on purchases when you use your new Card to check out with PayPal at merchants in the first 6 months of Card Membership, up to $150 back. Plus, earn $100 back as a statement credit after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership.
  • No Annual Fee.
  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 17.74% - 28.74% 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%.
  • Get $7 back each month after using your Blue Cash Everyday Card to spend $13.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
  • Terms Apply.
Does not earn transferable points

  • Strong rewards rate on gas and grocery purchases
  • $0 annual fee
  • Low intro APR
  • American Express Experiences
  • Dispute resolution
  • Terms apply
  • High rewards rate is capped
  • Terms apply.

For rates and fees of Blue Cash Everyday® Card from American Express, please click here

This card offers top earning rates for U.S. supermarkets and U.S. gas stations:

  • Earn 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%. 1% cash back on other purchases. Terms apply. Rewards can be redeemed for statement credits.

While not as rewarding as the Blue Cash Preferred® Card from American Express, the Blue Cash Everyday® Card from American Express is a good alternative if you prefer a card with $0 annual fee. This card also comes with a fantastic introductory APR of 0% on purchases for 15 months and 0% on balance transfers for 15 months (followed by a 17.74%-28.74% Variable APR). Ultimately, this combination of benefits makes it a good choice for families who want to earn rewards on their everyday purchases without having to shell out a ton of money to cover an annual fee or having to worry about high interest rates right off the bat.

Note that there is no American Express Blue Cash Everyday travel insurance, so if that’s a major concern, you’ll want to check out other cards with travel-based benefits, such as the Chase Sapphire Preferred® Card.


Best American Express credit credit card with no annual fee

Hilton Honors American Express Card

See Rates & Fees. Terms Apply. On American Express' Secure Website

80,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership.

$0

19.49%-28.49% Variable

660 - 850

  • Earn 80,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership. 
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • 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 Annual Fee.
  • Terms Apply.
Earns transferable points

  • $0 annual fee
  • Complimentary Hilton Honors Silver Status (enrollment required)
  • Hilton Honors Gold Status when you spend $20,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Gold status through the end of the next calendar year (enrollment required).
  • Terms apply
  • No free anniversary night
  • Terms apply.

For rates and fees of Hilton Honors American Express Card, please click here

  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5X Hilton Honors Bonus Points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations AND 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.

The Hilton Honors American Express Card is the only no-fee Hilton card from American Express, which makes it a solid card option for infrequent travelers who want some elite perks. Benefits like automatic Silver elite status with the Hilton Honors brand (enrollment required), a generous welcome offer and no foreign transaction fees make this card worth signing up for, as well as the exceptional earning rates on paid Hilton stays, U.S. restaurants, U.S. supermarkets and U.S. gas stations.

Though the Hilton Honors American Express Card is traditionally a Hilton rewards card, savvy consumers know that it’s also a top American Express card with no annual fee and a great option for beginners looking to build hotel loyalty.


Best American Express card for small business owners

Business Green Rewards Card from American Express

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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 intro annual fee for the first year, then $95

16.49% to 24.49% -Annual Percentage Rate (APR) for Pay Over Time Feature

See website for details

  • Purchase protection for accidental damage or theft up to 90 days post purchase
  • Car rental insurance
  • Baggage insurance up to $1,250 for carry-on and $500 for a checked bag
  • 24/7 Global Assist Hotline
  • Roadside Assistance
  • Travel Accident Insurance provides up to $100,000 in coverage
Earns transferable points

  • Pay Over Time option
  • No preset spending limit
  • Dispute resolution
  • Employee cards
  • Terms apply
  • Relatively low earning rate and welcome offer
  • No intro APR offer
  • Terms apply
  • Earn 2X points for each $1 you spend on eligible purchases at amextravel.com and 1 point for each $1 you spend on other purchases.

Business Green Rewards Card from American Express is ideal for small business owners due to its $0 intro annual fee for the first year, then $95 and its lack of a preset spending limit. Business owners who could use some leeway paying off large startup costs can use the card's Pay Over Time option to spread out payments and free up cash flow. A generous welcome offer, free employee cards and a baggage insurance plan make this business card a stellar deal for small business owners and entrepreneurs.

The Business Green Rewards Card from American Express is one of the Amex cards that earns Membership Rewards points. Be sure to maximize your points value by transferring your rewards to one of Amex’s many hotel and airline rewards programs. See more details in our Amex Transfer Partners guide.


Best American Express credit card for automatic elite status

Marriott Bonvoy Brilliant® American Express® Card

See Rates & Fees. Terms Apply. On American Express' Secure Website

Earn 150,000 Marriott Bonvoy® bonus points after you use your new Card to make $5,000 in purchases on the Card within the first 3 months.

$650

19.49%-28.49% Variable

660 - 850

  • Earn 150,000 Marriott Bonvoy® bonus points after you use your new Card to make $5,000 in purchases on the Card within the first 3 months.
  • Each Card renewal year, get up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide.
  • A Marriott Bonvoy Platinum Elite member will earn 50% more points on eligible purchases at participating hotels for each U.S. dollar or the currency equivalent that is incurred and paid for by the member.
  • Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at Worldwide Restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
  • Marriott Brilliant 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, Card Members are eligible to select an Earned Choice Award benefit. Benefit options include: Five (5) Suite Night Awards, 85K Free Night Award, and mattress and box spring $750 discount from Marriott Bonvoy Boutiques.
  • $100 Luxury 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 ($100) or a statement credit every 4.5 years after you apply for a five-year membership through any Authorized Enrollment Provider for TSA PreCheck® (up to $85) when you pay the application fee with an eligible Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Each calendar year 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. Terms apply.
  • Enroll in Priority Pass Select, which offers unlimited access 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.
  • Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership.
  • No Foreign Transaction Fees on international purchases.
  • Cell phone protection: You can be reimbursed for your costs to repair or replace your damaged or Stolen cell phone up to $800, subject to a $50 deductible, for 2 approved claims per 12-month period when your prior month's wireless bill was paid utilizing an Eligible Card Account. Terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
  • $650 Annual Fee.
  • Terms Apply.
Earns transferable points

  • Complimentary Marriott Bonvoy Gold Elite Status (enrollment required)
  • Each Card renewal year, get up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide.
  • 15 Elite Night Credits
  • Priority Pass™ Select (enrollment required)
  • Free Night Award
  • $100 Marriott Bonvoy Property Credit
  • Terms apply
  • $650 annual fee
  • No intro APR offer
  • Terms apply

For rates and fees of Marriott Bonvoy Brilliant® American Express® Card, please click here

  • Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at Worldwide Restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.

The Marriott Bonvoy Brilliant® American Express® Card is best for automatic elite status since it offers complimentary Marriott Bonvoy Gold Elite Status (enrollment required) right off the bat. This status includes perks like premium internet access, 2 p.m. late checkout (based on availability), enhanced room upgrades based on availability and more. Other notable perks worth signing up for include a generous welcome offer, up to $300 per year in dining credits, a free night award upon card renewal (up to 50,000 points), a fee credit for Global Entry or TSA Precheck credit and Priority Pass™ Select airport lounge membership.

Marriott elite status is worth up to $6,600 by our calculations.


Best American Express credit card for everyday spending

The Amex EveryDay® Credit Card from American Express

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Not available on ValuePenguin

10,000 Membership Rewards® points after you use your new Card to make $2,000 in purchases in your first 6 months

$0

15.24% to 26.24% variable

720 - 850

  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 15 months on purchases, then a variable rate, currently 15.24% to 26.24%
  • 2x points at U.S. supermarkets, on up to $6,000 per year in purchases (then 1x)
  • 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • No annual fee.
  • Terms Apply.
Earns transferable points

  • $0 annual fee
  • Intro APR on purchases of 0% introductory APR for the first 15 months from the date of account opening. from the date of account opening, then an APR of 15.24% to 26.24% variable.
  • Terms apply
  • Few additional benefits
  • Terms apply
  • Earn 2x points at U.S. supermarkets, on up to $6,000 per year in purchases (then 1x), and 1x points on other purchases

The Amex EveryDay® Credit Card from American Express is a smart choice for everyday spending due to its ongoing rewards and the 20% bonus rewards you receive when you use your card 20 or more times within a single billing period. Plus, the Membership Rewards points you earn with the The Amex EveryDay® Credit Card from American Express are exceedingly valuable when transferred to one of American Express’ many hotel and airline partners. With a $0 annual fee and a generous introductory APR rate on purchases, this is a great card for everyday spending that won’t break the bank.

The American Express rewards categories offered by the The Amex EveryDay® Credit Card from American Express are perfect for consumers in need of a basic card for everyday spending.


Best American Express credit card for families

Hilton Honors American Express Surpass® Card

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Not available on ValuePenguin

Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 3 months of Card Membership.

$95

18.74 to 27.74% variable

660 - 850

  • Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership.
  • Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
  • 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 Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.  
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your 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.
  • $95 annual fee.
  • Terms Apply.
Earns transferable points

  • Moderate annual fee
  • High rewards rate
  • Complimentary Hilton Honors Gold status (enrollment required)
  • Earn Hilton Honors Diamond Status through the end of next calendar year when you spend $40,000 on eligible purchases on your card in a calendar year (enrollment required)
  • Terms apply
  • $95 annual fee
  • Points are worth the most when redeemed for Hilton stays
  • Terms apply
  • 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 Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.

The Hilton Honors American Express Surpass® Card is ideal for families since it comes with great benefits for a modest annual fee, including automatic Hilton Honors Gold status (enrollment required). The generous welcome offer is enough for a few free nights on its own, and this card's $95 annual fee makes it affordable enough for families who may only use the card for trips a few times per year.

Earn a free weekend night award for your family with the Hilton Honors American Express Surpass® Card.


Best American Express credit card for low intro APR offer

American Express Cash Magnet® Card

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Not available on ValuePenguin

$200 back after spending $2,000 or more in purchases with your card within the first 6 months of card membership.

$0

16.99% to 27.99% variable

660 - 850

  • $200 back after spending $2,000 or more in purchases with your card within the first 6 months of card membership.
  • Unlimited 1.5% Cash Back on your purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, currently 16.99% to 27.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Amex Offers rewards you at places you like to shop, dine, travel, and more. You can add as many Offers as you’d like to your Card, then just use that Card to pay, and enjoy rewards directly on your statement.
  • Cash Back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • No Annual Fee.
  • Terms Apply.
Earns transferable points

  • $0 annual fee
  • Intro APR of 0% introductory APR for the first 15 months from the date of account opening. from the date of account opening, then an APR of 16.99% to 27.99% variable.
  • Uncapped rewards
  • Special intro Buy Now Pay Later Plan It® Fee offer
  • American Express Experiences
  • Global Assist Hotline
  • Car rental loss and damage insurance
  • Dispute resolution
  • Terms apply
  • Limited redemption options
  • Other cashback cards offer stronger rewards
  • Terms apply
  • Unlimited 1.5% Cash Back on your purchases, redeemable for statement credits

For consumers looking for a rewards credit card that offers a significant introductory APR period, look no further than the American Express Cash Magnet® Card. Cardholders also get a 0% introductory APR for the first 15 months from the date of account opening. on purchases. They also get a 0% introductory APR for the first 15 months from the date of account opening on balance transfers requested within 60 days of account opening. on balance transfers. An APR of 16.99% to 27.99% variable follows these introductory offers. There's a $0 annual fee, and new customers can even qualify for a large welcome offer.

Pair the American Express Cash Magnet® Card with another card to maximize your cash back.

Is an American Express credit card worth it?

American Express credit cards are typically worth it for consumers interested in superb travel benefits, hotel or airline co-branded cards, rewards cards, cashback cards or anything in between, as long as you have a backup Visa or Mastercard in case American Express isn't accepted.

American Express isn’t as widely accepted as Visa or Mastercard, so you may occasionally run into merchants who won’t take it. If you're concerned about hefty Amex annual fees, rest assured there are plenty of low to no-annual-fee options for every budget.

What credit score is needed for an American Express credit card?

While there is no specific credit score detailed by American Express to get approved, it is ideal to have at least a good credit score of 700-850. And if you don't have a good or excellent credit score, there are credit cards for fair or average credit.

You can also check to see if you have been prequalified for an Amex card. Simply search for "amex check pre qualified offers" and the first link will direct you to any prequalified offers. American Express will have a quick form to fill out to verify your identity. Once approved, the next step is to apply for the Amex card .

How to choose which American Express credit card is right for you

1. Consider current financial situation

Amex cards range in features, benefits and annual fees, which can make it tricky to pick the right one for you. Before you select a card, think about your current financial situation, and to also "reverse engineer" what you need.

  • Are you in need of cash back to save on your monthly expenses?
  • Do you need to earn travel rewards to save on a future vacation?

2. Eliminate cards

From here, you can quickly narrow down the cards that will work for you.

  • If travel rewards are preferred, what are you interested in?
  • Do you want to earn airline miles to save on flight costs?
  • Or do you need to earn hotel rewards?

Savvy traveler tip: If you can't select between the two, you can always earn American Express Membership Rewards to diversify your efforts.

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3. Assess Amex's application rules

Read ValuePenguin's Amex applications rules guide before applying.

  • Each card issuer has unique rules as to who can qualify for a card. These are important to know as opening an American Express card can hinder your chances of being approved for other issuers' cards.

How to maximize American Express points

Current Amex partners and transfer ratios

Amex travel partner
Transfer ratio
Aer Lingus1:1
AeroMexico1:1.6
Air Canada1:1
Show All Rows

Transferring to Amex travel partners is the most valuable option to maximize your points.

When you transfer points from Amex to one of its travel partners, you can book air travel or hotel rooms through their loyalty programs, potentially increasing the value of your points.

The American Express Membership Rewards program is one of the best credit card rewards programs because of its multiple options to redeem points. When you spend on cards like The Business Platinum Card® from American Express, you will earn Amex points.

Redeem Amex points in these additional ways:

  • Book/upgrade travel
  • Merchandise
  • Statement credits

What is the American Express Membership Rewards program?

The American Express Membership Rewards program allows Amex cardholders to redeem their rewards in a number of valuable ways. Through this program, cardmembers can maximize their rewards value and redeem for at least 1 cent per point by transferring their Membership Rewards points to Amex hotel and airline partners.

Redemption options

  • Redeem for travel: You can use your Membership Rewards points to book flights, hotel stays, rental cars and more through the travel portal at Americanexpress.com. Alternatively, you can transfer your rewards to any of Amex’s numerous hotel or airline partners for greater value.
  • Shopping: Though this method yields a lower redemption value, you can use your points to make purchases from a variety of popular online retailers, including places like Amazon and Walmart.
  • Gift cards: You can use your points to buy gift cards to a multitude of restaurants, retailers, tech companies and more. However, this is also one of the lower value redemption options.
  • Statement credit: You can redeem your Membership Rewards points for statement credits to erase past purchases made on your card. Note that this is also a low-value redemption option.
  • Charity: Cardmembers can use their Membership Rewards points to donate to over a million charities with JustGiving. This is also a lower-value redemption option but is still a nice way to use your points.
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American Express benefits

American Express is well known for its long list of card benefits. While each American Express card comes with its own unique set of benefits, here is a list of American Express travel benefits that may come with your card.

No foreign transaction fees (Travel benefit)

If you make purchases outside of the United States, many cards charge foreign transaction fees. A typical foreign transaction fee is 3%, which may seem small, but can add up quickly over a vacation.

Many American Express cards don't charge for foreign transactions, making it easier to make purchases in any currency. Amex will do the currency conversions for you, and the purchases will appear in U.S. dollars on your statement. Be sure to research prior to departure if the country you are traveling to accepts American Express.

Pay It Plan It® (Non-travel benefit)

American Express recognizes that cardholders need flexible payment plans for large purchases. Interest rates on credit cards can be extremely high and cause consumers to rack up debt.

To combat this, Amex introduced "Pay It Plan It." This feature (no application or enrollment required) gives you two different payments options, based on price:

  • Pay It: This allows for you to immediately pay for individual purchases. The Pay It feature applies to qualifying purchases under $100.
  • Plan It: This allows you to break up payments for qualifying purchases, for a fixed monthly fee. This applies to qualifying purchases over $100.

These features are great for cardholders, but it is best to avoid utilizing the Plan It feature. There isn't any accruing interest, but the fixed monthly fee creates unnecessary expenses and puts you in more debt. So if possible, avoid making purchases you cannot pay in full.

Shoprunner (Non-travel benefit)

Shoprunner is a membership-based experience that connects large retailers with consumers to offer two-day shipping, free returns, exclusive deals and more. This service typically costs $79 per year, but is free with select American Express cards once you enroll in the service. A few participating retailers include: Saks Fifth Avenue, Bloomingdale's, Neiman Marcus, Kiehl's, Under Armour, Cole Haan, MLB Shop and NHL Shop.

Does Amex have benefit tiers?

Unlike Visa and Mastercard, Amex doesn't use a tiered system for its benefits. However, its cards are typically arranged in tiers, with benefits and annual fees increasing as you go up the tiers. For example, the American Express® Green Card, American Express® Gold Card and The Platinum Card® from American Express constitute the three tiers of the Membership Rewards card family.

For more detailed information about American Express Membership Rewards, click here.

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FAQs about the best American Express credit card

Amex is not a credit card, it is a card issuer. Several cards issued by American Express are great cards, but there is no such thing as the best credit card. The best credit card is the one that works best for you.

The best Amex credit card is the one that benefits you the most. To find out which Amex card is best for you, evaluate what your financial needs are first.

The Blue from American Express® card is open to applicants with lower credit scores. It earns rewards, but has no welcome offer or additional benefits.

Unfortunately, no. There are no Amex cards for consumers with bad credit. Your best bet is to become an authorized user on someone else's American Express card.

Amex does not offer a secured credit card.

To make payments for an Amex credit card, simply log in to your American Express portal online. You can also mail a check or money order payable to American Express.

The Amex credit card payment address is P.O. Box 650448 Dallas, TX 75265-0448. Be sure to include your account number on the front of your payment.

The following cards include Trip Cancellation and Interruption and Trip Delay insurance:The Platinum Card® from American Express, The Business Platinum Card® from American Express, Hilton Honors Aspire Card from American Express, Delta SkyMiles® Reserve American Express Card, Delta SkyMiles® Reserve Business American Express Card and Marriott Bonvoy Brilliant® American Express® Card. American Express offers full-coverage travel insurance for purchase through their licensed insurance agency. Get 24-hour travel assistance and individual and package coverage options when you go this route.

Contact American Express anytime via chat through your online account or call the Operator, ask to use the access code of the country you're in and dial + 336-393-1111.

Recap of the best American Express credit cards of 2022

Methodology

To make choosing the right Amex card easier, we've looked at credit cards reviewed on ValuePenguin as well as cards on major issuer sites to rank the best American Express rewards credit cards available right now.

Our recommendations are based on the additional value you can earn with the cards — including the rewards value, cost of ownership and value of benefits such as travel and purchase protections, lounge membership and airline companion passes. We analyzed which card would be the best fit specific to each category. We looked at things like whether the card is a cash back or traditional rewards card, whether or not a card earns transferable points through the Membership Rewards program, whether it offers business or niche-specific perks, and more.

Our choices are not influenced by our advertisers. Learn more on how we calculate rewards.

For rates and fees of The Platinum Card® from American Express, please click here

For rates and fees of American Express® Gold Card, please click here

For rates and fees of Blue Cash Preferred® Card from American Express, please click here

For rates and fees of Delta SkyMiles® Gold American Express Card, please click here

For rates and fees of The Business Platinum Card® from American Express, please click here

For rates and fees of Blue Cash Everyday® Card from American Express, please click here

For rates and fees of Hilton Honors American Express Card, please click here

For rates and fees of Marriott Bonvoy Brilliant® American Express® Card, please click here

The information related to The Business Platinum Card® from American Express, The Blue Business® Plus Credit Card from American Express, Business Green Rewards Card from American Express, The Amex EveryDay® Credit Card from American Express, Hilton Honors American Express Surpass® Card and American Express Cash Magnet® Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).