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We examined Amex’s current card line-up to identify the best choices for consumers. American Express is one of the oldest card issuers in the United States – the very first card it issued dates back to the 1950s. As of 2018, Amex has some of our favorite credit cards around, offering a ton of miles, low interest rates and rewards points.
The best credit card for you always comes down to your individual circumstances. How much you spend, what you spend on, and what types of benefits you value most are just some of the many considerations. When selecting the top Amex credit cards, we considered a wide array of circumstances and needs, and which cards offer the highest value for each individual need. Furthermore, you should note that the cards we picked here are the standout Amex cards for each category - there may be cards better suited to your needs which are offered by another issuer - only rely on this guide if you are set on getting an Amex credit card.
Those of you seeking a more personalized choice can use our tool at the bottom of the page. It will calculate for you the rewards rate for each American Express credit card, after you input an estimate of your monthly spending habits.
Travel: Starwood Preferred Guest® Credit Card from American Express
In addition to being a top tier travel rewards card, the Starwood Preferred Guest® Credit Card from American Express is one of our favorite hotel rewards credit cards. Every dollar you spend using it earns you points. We estimate the value of a single point to be around $0.009. Therefore, the card is best when utilized at eligible SPG and Marriott Rewards properties. Users can, however, get even more out of their points by transferring them to the card's partnered frequent flyer programs.
- Rewards rate varies between 1.8% and 5.4% (based on our estimated point value of $0.009 multiplied by the points earned)
- $0 Intro Annual Fee for the first year then $95 (See Rates & Fees)
- Receive one free night award every year after your card account anniversary.
The information related to the Starwood Preferred Guest® Credit Card from American Express has been collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. This offer and/or promotion may have since changed, expired, or is no longer available.
Young Professional: The Platinum Card® from American Express
Young business professionals who travel a lot can find good value among the Amex suite of cards in The Platinum Card® from American Express. The card has no spending limit, and is one of the most elite and premium credit cards available. Though expensive ($550 annually)(See Rates & Fees), the card unlocks access to things such as airport lounges, which, apart from making travel more enjoyable, also serve a business purpose. Being a charge card, The Platinum Card® from American Express also comes with no preset spending limit. That means you can cover the tab and make big purchases whenever the situation calls for it.
- $200 annual airline credit
- Lounge access ($600+ value)
- TSA Pre/Global Entry reimbursement
For rates and fees of the The Platinum Card® from American Express, please click here.
Students: Blue Cash Everyday® Card from American Express
American Express does not offer a credit card specifically designated towards students. However, the potential savings and rewards to be had with the Blue Cash Everyday® Card from American Express make it well-tailored to a student lifestyle – especially one lived far from home. The card offers 3% cash back at U.S. supermarkets on up to $6,000 per year, 2% cash back at U.S. gas stations and 1% on all other purchases. This card will likely continue to serve a consumer well even beyond their college days – odds are the 3% back on U.S. supermarket spending will continue to be beneficial well into adulthood.
- $150 welcome bonus after you spend $1,000 in purchases over the first 3 months of membership
- $0 annual fee (See Rates & Fees)
- We estimate the card requires a credit score of at least 660 - 680
For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.
Airline Miles: Platinum Delta SkyMiles® Credit Card from American Express
When it comes to earning consumers airline miles, the Platinum Delta SkyMiles® Credit Card from American Express is Amex’s top performer. For a $195 annual fee (See Rates & Fees), users earn 2 SkyMiles for every $1 they spend with Delta Airlines, and 1 SkyMile per $1 everywhere else. These SkyMiles are transferrable to 24 other airlines, including Virgin Atlantic, Air France, and Aeromexico. When you choose to fly with Delta, this card allows individuals to waive the fee for their first checked bag. Additionally, each year of card membership, consumers will be issued a companion pass – this is essentially a “buy 1 get 1 free” offer on any domestic, economy flight (taxes & airline fees still apply).
- Miles earned are transferable to many other airlines
- Companion ticket
- Free checked baggage ($50 value each time you fly)
For rates and fees of the Platinum Delta SkyMiles® Credit Card from American Express, please click here.
Beginners/No Credit: Blue from American Express®
Even though American Express is touted as one of the most exclusive card issuers, some of their cards are obtainable even if you have a limited credit history. The Blue from American Express® is one of the easiest credit cards to get from the issuer. Provided you an average credit score, or can prove you have a good enough income, you can get approved for this basic rewards card. While earning those rewards is a slow burn (you get just 1 point for every $1 you spend), the points have a number of interesting uses. Membership Rewards, Amex’s main rewards program, has a number of different redemption options - all of which we explore in more detail below.
- No annual fee
- Easier to get approved for than most Amex cards
- Part of Memebership Rewards family of cards
The information related to the Blue from American Express® has been collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.
No Annual Fee: The Amex EveryDay® Credit Card from American Express
The Amex EveryDay® Credit Card from American Express is our favorite American Express credit card with no annual fee (See Rates & Fees), due to its great rewards on U.S. supermarket purchases, and the ability to earn bonus points. The first $6,000 in purchases you make at U.S. supermarkets, each year, will earn you 2 Membership Rewards points per $1. All other purchases earn just 1 point per $1. If you use your card quite frequently (20+ times per billing cycle), you will earn 20% more points. That comes out to a potential 2.4/1.2 points per $1 you can earn.
- 10,000 bonus points if you spend $1,000 in purchases in your first 3 months
- Ability to earn 20% extra points
The information related to The Amex EveryDay® Credit Card from American Express has been collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.
Balance Transfer: Blue Cash Everyday® Card from American Express
The Blue Cash Everyday® Card from American Express has a 15 month 0% introductory APR offer on purchases and balance transfers (after which it will be 15.24%-26.24% Variable) (See Rates & Fees)- making it one of the better balance transfer credit cards the company offers. On top of offering this promotional rate, the card also charges no annual fee. Additionally, the Blue Cash Everyday® Card from American Express also provides users with a decent rewards program.
- 0% intro APR on purchases and balance transfers for 15 months, after which it will be 15.24%-26.24% Variable
- Great utility outside its function as a balance transfer card - savings between 1% and 3% on purchases
For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.
Best Use of American Express Points (Membership Rewards)
Amex’s flagship rewards program is called Membership Rewards. Unless you own a co-branded credit card with American Express (hotel, airline, etc.), your card is most likely going to be earning Membership Rewards points (MRP). These points can be exchanged for a number of different prizes and rewards – some cards even offer you more options to redeem than others.
Ideally, you should use MRP in exchange for gift cards, booking flights, and Uber rides. All three options will generally provide you with a value of $0.01 per point. This is the most you can get out of your rewards points by direct redemption.
Amex cardholders also have the option of transferring their points to a number of different loyalty programs (listed below). This can free up your MRP to be used in ways that will increase the average value per point to $0.012 or more. This method of redemption requires a little more involvement and planning, and is likely only attractive to individuals who prefer to micro-manage their points.
|Program||Type||Awards Received||Program||Type||Awards Received|
|Aero Mexico||Airline||1||Iberia Plus||Airline||1|
|Air France / KLM||Airline||1||Singapore Airlines||Airline||1|
|Asia Miles||Airline||1||Virgin Atlantic||Airline||1|
|British Airways||Airline||1||Best Western||Hotel||1|
|El Al||Airline||1||Choice Privileges||Hotel||1|
|Emirates Skywards||Airline||1||Hilton HHonors||Hotel||1.5|
We generally advise consumers to steer clear of redeeming their MPR for things such as shopping through Amex’s online portal, statement credit, or anything else not mentioned above. These options will leave you with a point value well below $0.01, causing rewards rates to drop below 1%.
You can use the tool below to receive a personalized list of best American Express credit cards. We do all the math backstage, and will present you with customized rewards you can expect out of each card, over a 2 year span. Our tool takes into account spending rewards and bonuses – it excludes things that are harder to quantify, such as companion tickets.