Best American Express Cards: Compare Top Features for 2021

Best American Express Cards: Compare Top Features for 2021

From benefits for frequent Delta flyers and luxury travel perks, to cashback rewards at supermarkets, American Express credit cards offer some of the best rewards.

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.

This offer and/or promotion may have since changed, expired, or is no longer available.

American Express® has some of our favorite cards around, offering some of the best travel and cashback cards today. Whether you want to earn cashback rewards at U.S. supermarkets or you want to enjoy luxury travel perks, including one of the most elite airport lounge networks in the world, American Express offers top-of-line card benefits in a large number of categories.

We surveyed American Express cards on ValuePenguin as well as on the American Express website to identify the best choices for consumers and business owners. Here are our picks for the best American Express cards of 2021.

Best American Express cards

Recommended cards
Best for
The Platinum Card® from American Express
{"align":"","className":"","imageURL":"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4577.png","name":"The Platinum Card\u00ae from American Express"}
The Platinum Card® from American ExpressLuxury travel
Apply Now
{"category":"creditcards","color":"primary","context":" in context: Banner","disclaimers":["\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/platinum-charge-card\/26129-10-0\/?print#terms-details\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.","On American Express' Secure Website"],"icon":"lock","label":"Apply Now","link":"\/credit-cards\/redirect\/54?url=_best-american-express-credit-cards","name":"The Platinum Card\u00ae from American Express"}
American Express® Gold Card
{"align":"","className":"","imageURL":"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4576.png","name":"American Express\u00ae Gold Card"}
American Express® Gold CardFoodies and travelers
Apply Now
{"category":"creditcards","color":"primary","context":" in context: Banner","disclaimers":["\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/gold-card\/26129-10-0\/?print#terms-details\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.","On American Express' Secure Website"],"icon":"lock","label":"Apply Now","link":"\/credit-cards\/redirect\/1304?url=_best-american-express-credit-cards","name":"American Express\u00ae Gold Card"}
Blue Cash Preferred® Card from American Express
{"align":"","className":"","imageURL":"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4327.jpg","name":"Blue Cash Preferred\u00ae Card from American Express"}
Blue Cash Preferred® Card from American ExpressCash back
Apply Now
{"category":"creditcards","color":"primary","context":" in context: Banner","disclaimers":["\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-preferred-credit-card\/26129-10-0\/?print#terms-details\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.","On American Express' Secure Website"],"icon":"lock","label":"Apply Now","link":"\/credit-cards\/redirect\/495?url=_best-american-express-credit-cards","name":"Blue Cash Preferred\u00ae Card from American Express"}
Delta SkyMiles® Gold American Express Card
{"align":"","className":"","imageURL":"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4329.jpg","name":"Delta SkyMiles\u00ae Gold American Express Card"}
Delta SkyMiles® Gold American Express CardDelta Air Lines
Apply Now
{"category":"creditcards","color":"primary","context":" in context: Banner","disclaimers":["\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/delta-skymiles-gold-american-express-card\/26129-10-0#offer-terms\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.","On American Express' Secure Website"],"icon":"lock","label":"Apply Now","link":"\/credit-cards\/redirect\/851?url=_best-american-express-credit-cards","name":"Delta SkyMiles\u00ae Gold American Express Card"}
unavailable credit card
The Business Platinum Card® from American ExpressBusiness travelersRead Review
unavailable credit card
The Blue Business® Plus Credit Card from American ExpressEarning pointsRead Review
{"alignsHorizontal":["left","left","center","center"],"alignsVertical":[],"columnWidths":["15%","35%","20%","25","5%"],"data":[["","Recommended cards","Best for",""],[""],["\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateImage\" data-component-name=\"AffiliateImage\"\u003E\n \u003Cdiv class=\"AffiliateImage--root AffiliateImage--align-left \"\u003E\u003Cdiv class=\"AffiliateImage--wrapper\"\u003E\u003Cimg alt=\"The Platinum Card\u00ae from American Express\" class=\"Image--root \" src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4577.png\"\/\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"AffiliateImage\"\u003E{\"align\":\"\",\"className\":\"\",\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4577.png\",\"name\":\"The Platinum Card\\u00ae from American Express\"}\u003C\/div\u003E\n\u003C\/div\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The Platinum Card\u00ae from American Express\" href=\"#luxury\"\u003E\u003Cstrong\u003EThe Platinum Card\u00ae from American Express\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","Luxury travel","\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateButton\" data-component-name=\"AffiliateButton\"\u003E\n \u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/54?url=_best-american-express-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003E\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/platinum-charge-card\/26129-10-0\/?print#terms-details\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.\u003C\/li\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn American Express' Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"AffiliateButton\"\u003E{\"category\":\"creditcards\",\"color\":\"primary\",\"context\":\" in context: Banner\",\"disclaimers\":[\"\\u003Ca href=\\\"https:\\\/\\\/www.americanexpress.com\\\/us\\\/credit-cards\\\/card-application\\\/apply\\\/prospect\\\/terms\\\/platinum-charge-card\\\/26129-10-0\\\/?print#terms-details\\\"\\u003ESee Rates & Fees.\\u003C\\\/a\\u003E Terms Apply.\",\"On American Express' Secure Website\"],\"icon\":\"lock\",\"label\":\"Apply Now\",\"link\":\"\\\/credit-cards\\\/redirect\\\/54?url=_best-american-express-credit-cards\",\"name\":\"The Platinum Card\\u00ae from American Express\"}\u003C\/div\u003E\n\u003C\/div\u003E"],["\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateImage\" data-component-name=\"AffiliateImage\"\u003E\n \u003Cdiv class=\"AffiliateImage--root AffiliateImage--align-left \"\u003E\u003Cdiv class=\"AffiliateImage--wrapper\"\u003E\u003Cimg alt=\"American Express\u00ae Gold Card\" class=\"Image--root \" src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4576.png\"\/\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"AffiliateImage\"\u003E{\"align\":\"\",\"className\":\"\",\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4576.png\",\"name\":\"American Express\\u00ae Gold Card\"}\u003C\/div\u003E\n\u003C\/div\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"American Express\u00ae Gold Card\" href=\"#foodies\"\u003E\u003Cstrong\u003EAmerican Express\u00ae Gold Card\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","Foodies and travelers","\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateButton\" data-component-name=\"AffiliateButton\"\u003E\n \u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/1304?url=_best-american-express-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003E\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/gold-card\/26129-10-0\/?print#terms-details\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.\u003C\/li\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn American Express' Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"AffiliateButton\"\u003E{\"category\":\"creditcards\",\"color\":\"primary\",\"context\":\" in context: Banner\",\"disclaimers\":[\"\\u003Ca href=\\\"https:\\\/\\\/www.americanexpress.com\\\/us\\\/credit-cards\\\/card-application\\\/apply\\\/prospect\\\/terms\\\/gold-card\\\/26129-10-0\\\/?print#terms-details\\\"\\u003ESee Rates & Fees.\\u003C\\\/a\\u003E Terms Apply.\",\"On American Express' Secure Website\"],\"icon\":\"lock\",\"label\":\"Apply Now\",\"link\":\"\\\/credit-cards\\\/redirect\\\/1304?url=_best-american-express-credit-cards\",\"name\":\"American Express\\u00ae Gold Card\"}\u003C\/div\u003E\n\u003C\/div\u003E"],["\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateImage\" data-component-name=\"AffiliateImage\"\u003E\n \u003Cdiv class=\"AffiliateImage--root AffiliateImage--align-left \"\u003E\u003Cdiv class=\"AffiliateImage--wrapper\"\u003E\u003Cimg alt=\"Blue Cash Preferred\u00ae Card from American Express\" class=\"Image--root \" src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4327.jpg\"\/\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"AffiliateImage\"\u003E{\"align\":\"\",\"className\":\"\",\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4327.jpg\",\"name\":\"Blue Cash Preferred\\u00ae Card from American Express\"}\u003C\/div\u003E\n\u003C\/div\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Blue Cash Preferred\u00ae Card from American Express\" href=\"#cashback\"\u003E\u003Cstrong\u003EBlue Cash Preferred\u00ae Card from American Express\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","Cash back","\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateButton\" data-component-name=\"AffiliateButton\"\u003E\n \u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/495?url=_best-american-express-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003E\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-preferred-credit-card\/26129-10-0\/?print#terms-details\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.\u003C\/li\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn American Express' Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"AffiliateButton\"\u003E{\"category\":\"creditcards\",\"color\":\"primary\",\"context\":\" in context: Banner\",\"disclaimers\":[\"\\u003Ca href=\\\"https:\\\/\\\/www.americanexpress.com\\\/us\\\/credit-cards\\\/card-application\\\/apply\\\/prospect\\\/terms\\\/blue-cash-preferred-credit-card\\\/26129-10-0\\\/?print#terms-details\\\"\\u003ESee Rates & Fees.\\u003C\\\/a\\u003E Terms Apply.\",\"On American Express' Secure Website\"],\"icon\":\"lock\",\"label\":\"Apply Now\",\"link\":\"\\\/credit-cards\\\/redirect\\\/495?url=_best-american-express-credit-cards\",\"name\":\"Blue Cash Preferred\\u00ae Card from American Express\"}\u003C\/div\u003E\n\u003C\/div\u003E"],["\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateImage\" data-component-name=\"AffiliateImage\"\u003E\n \u003Cdiv class=\"AffiliateImage--root AffiliateImage--align-left \"\u003E\u003Cdiv class=\"AffiliateImage--wrapper\"\u003E\u003Cimg alt=\"Delta SkyMiles\u00ae Gold American Express Card\" class=\"Image--root \" src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4329.jpg\"\/\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"AffiliateImage\"\u003E{\"align\":\"\",\"className\":\"\",\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4329.jpg\",\"name\":\"Delta SkyMiles\\u00ae Gold American Express Card\"}\u003C\/div\u003E\n\u003C\/div\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Delta SkyMiles\u00ae Gold American Express Card\" href=\"#delta\"\u003E\u003Cstrong\u003EDelta SkyMiles\u00ae Gold American Express Card\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","Delta Air Lines","\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateButton\" data-component-name=\"AffiliateButton\"\u003E\n \u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/851?url=_best-american-express-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003E\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/delta-skymiles-gold-american-express-card\/26129-10-0#offer-terms\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.\u003C\/li\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn American Express' Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"AffiliateButton\"\u003E{\"category\":\"creditcards\",\"color\":\"primary\",\"context\":\" in context: Banner\",\"disclaimers\":[\"\\u003Ca href=\\\"https:\\\/\\\/www.americanexpress.com\\\/us\\\/credit-cards\\\/card-application\\\/apply\\\/prospect\\\/terms\\\/delta-skymiles-gold-american-express-card\\\/26129-10-0#offer-terms\\\"\\u003ESee Rates & Fees.\\u003C\\\/a\\u003E Terms Apply.\",\"On American Express' Secure Website\"],\"icon\":\"lock\",\"label\":\"Apply Now\",\"link\":\"\\\/credit-cards\\\/redirect\\\/851?url=_best-american-express-credit-cards\",\"name\":\"Delta SkyMiles\\u00ae Gold American Express Card\"}\u003C\/div\u003E\n\u003C\/div\u003E"],["\u003Cdiv class=\"ShortcodeImageBare--root \" \u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container \"\u003E\n \u003Cimg alt=\"unavailable credit card\" class=\"ShortcodeImage--image lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/unavailable-card-update_c5bzxf\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The Business Platinum Card\u00ae from American Express\" href=\"#frequent\"\u003E\u003Cstrong\u003EThe Business Platinum Card\u00ae from American Express\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","Business travelers","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root Button--root Button--tertiary\" title=\"Read Review\" href=\"https:\/\/www.valuepenguin.com\/american-express-business-platinum-card\"\u003ERead Review\u003C\/a\u003E\u003C\/span\u003E"],["\u003Cdiv class=\"ShortcodeImageBare--root \" \u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container \"\u003E\n \u003Cimg alt=\"unavailable credit card\" class=\"ShortcodeImage--image lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/unavailable-card-update_c5bzxf\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The Blue Business\u00ae Plus Credit Card from American Express\" href=\"#membership\"\u003E\u003Cstrong\u003EThe Blue Business\u00ae Plus Credit Card from American Express\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","Earning points","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root Button--root Button--tertiary\" title=\"Read Review\" href=\"https:\/\/www.valuepenguin.com\/blue-business-plus-credit-card\"\u003ERead Review\u003C\/a\u003E\u003C\/span\u003E"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"800","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Recommended Cards

The Platinum Card® from American Express
Apply Now
{"category":"creditcards","color":"primary","context":" in context: Banner","disclaimers":["\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/platinum-charge-card\/26129-10-0\/?print#terms-details\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.","On American Express' Secure Website"],"icon":"lock","label":"Apply Now","link":"\/credit-cards\/redirect\/54?url=_best-american-express-credit-cards","name":"The Platinum Card\u00ae from American Express"}
American Express® Gold Card
Apply Now
{"category":"creditcards","color":"primary","context":" in context: Banner","disclaimers":["\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/gold-card\/26129-10-0\/?print#terms-details\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.","On American Express' Secure Website"],"icon":"lock","label":"Apply Now","link":"\/credit-cards\/redirect\/1304?url=_best-american-express-credit-cards","name":"American Express\u00ae Gold Card"}
Blue Cash Preferred® Card from American Express
Apply Now
{"category":"creditcards","color":"primary","context":" in context: Banner","disclaimers":["\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-preferred-credit-card\/26129-10-0\/?print#terms-details\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.","On American Express' Secure Website"],"icon":"lock","label":"Apply Now","link":"\/credit-cards\/redirect\/495?url=_best-american-express-credit-cards","name":"Blue Cash Preferred\u00ae Card from American Express"}
Delta SkyMiles® Gold American Express Card
Apply Now
{"category":"creditcards","color":"primary","context":" in context: Banner","disclaimers":["\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/delta-skymiles-gold-american-express-card\/26129-10-0#offer-terms\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.","On American Express' Secure Website"],"icon":"lock","label":"Apply Now","link":"\/credit-cards\/redirect\/851?url=_best-american-express-credit-cards","name":"Delta SkyMiles\u00ae Gold American Express Card"}
The Business Platinum Card® from American ExpressRead Review
The Blue Business® Plus Credit Card from American ExpressRead Review
{"alignsHorizontal":["left","center"],"alignsVertical":[],"columnWidths":["50%","50%"],"data":[["\u003C\/p\u003E\n\n\u003Cp\u003ERecommended Cards","<<<"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The Platinum Card\u00ae from American Express\" href=\"#luxury\"\u003E\u003Cstrong\u003EThe Platinum Card\u00ae from American Express\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateButton\" data-component-name=\"AffiliateButton\"\u003E\n \u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/54?url=_best-american-express-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003E\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/platinum-charge-card\/26129-10-0\/?print#terms-details\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.\u003C\/li\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn American Express' Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"AffiliateButton\"\u003E{\"category\":\"creditcards\",\"color\":\"primary\",\"context\":\" in context: Banner\",\"disclaimers\":[\"\\u003Ca href=\\\"https:\\\/\\\/www.americanexpress.com\\\/us\\\/credit-cards\\\/card-application\\\/apply\\\/prospect\\\/terms\\\/platinum-charge-card\\\/26129-10-0\\\/?print#terms-details\\\"\\u003ESee Rates & Fees.\\u003C\\\/a\\u003E Terms Apply.\",\"On American Express' Secure Website\"],\"icon\":\"lock\",\"label\":\"Apply Now\",\"link\":\"\\\/credit-cards\\\/redirect\\\/54?url=_best-american-express-credit-cards\",\"name\":\"The Platinum Card\\u00ae from American Express\"}\u003C\/div\u003E\n\u003C\/div\u003E"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"American Express\u00ae Gold Card\" href=\"#foodies\"\u003E\u003Cstrong\u003EAmerican Express\u00ae Gold Card\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateButton\" data-component-name=\"AffiliateButton\"\u003E\n \u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/1304?url=_best-american-express-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003E\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/gold-card\/26129-10-0\/?print#terms-details\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.\u003C\/li\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn American Express' Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"AffiliateButton\"\u003E{\"category\":\"creditcards\",\"color\":\"primary\",\"context\":\" in context: Banner\",\"disclaimers\":[\"\\u003Ca href=\\\"https:\\\/\\\/www.americanexpress.com\\\/us\\\/credit-cards\\\/card-application\\\/apply\\\/prospect\\\/terms\\\/gold-card\\\/26129-10-0\\\/?print#terms-details\\\"\\u003ESee Rates & Fees.\\u003C\\\/a\\u003E Terms Apply.\",\"On American Express' Secure Website\"],\"icon\":\"lock\",\"label\":\"Apply Now\",\"link\":\"\\\/credit-cards\\\/redirect\\\/1304?url=_best-american-express-credit-cards\",\"name\":\"American Express\\u00ae Gold Card\"}\u003C\/div\u003E\n\u003C\/div\u003E"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Blue Cash Preferred\u00ae Card from American Express\" href=\"#cashback\"\u003E\u003Cstrong\u003EBlue Cash Preferred\u00ae Card from American Express\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateButton\" data-component-name=\"AffiliateButton\"\u003E\n \u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/495?url=_best-american-express-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003E\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-preferred-credit-card\/26129-10-0\/?print#terms-details\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.\u003C\/li\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn American Express' Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"AffiliateButton\"\u003E{\"category\":\"creditcards\",\"color\":\"primary\",\"context\":\" in context: Banner\",\"disclaimers\":[\"\\u003Ca href=\\\"https:\\\/\\\/www.americanexpress.com\\\/us\\\/credit-cards\\\/card-application\\\/apply\\\/prospect\\\/terms\\\/blue-cash-preferred-credit-card\\\/26129-10-0\\\/?print#terms-details\\\"\\u003ESee Rates & Fees.\\u003C\\\/a\\u003E Terms Apply.\",\"On American Express' Secure Website\"],\"icon\":\"lock\",\"label\":\"Apply Now\",\"link\":\"\\\/credit-cards\\\/redirect\\\/495?url=_best-american-express-credit-cards\",\"name\":\"Blue Cash Preferred\\u00ae Card from American Express\"}\u003C\/div\u003E\n\u003C\/div\u003E"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Delta SkyMiles\u00ae Gold American Express Card\" href=\"#delta\"\u003E\u003Cstrong\u003EDelta SkyMiles\u00ae Gold American Express Card\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateButton\" data-component-name=\"AffiliateButton\"\u003E\n \u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/851?url=_best-american-express-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003E\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/delta-skymiles-gold-american-express-card\/26129-10-0#offer-terms\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.\u003C\/li\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn American Express' Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"AffiliateButton\"\u003E{\"category\":\"creditcards\",\"color\":\"primary\",\"context\":\" in context: Banner\",\"disclaimers\":[\"\\u003Ca href=\\\"https:\\\/\\\/www.americanexpress.com\\\/us\\\/credit-cards\\\/card-application\\\/apply\\\/prospect\\\/terms\\\/delta-skymiles-gold-american-express-card\\\/26129-10-0#offer-terms\\\"\\u003ESee Rates & Fees.\\u003C\\\/a\\u003E Terms Apply.\",\"On American Express' Secure Website\"],\"icon\":\"lock\",\"label\":\"Apply Now\",\"link\":\"\\\/credit-cards\\\/redirect\\\/851?url=_best-american-express-credit-cards\",\"name\":\"Delta SkyMiles\\u00ae Gold American Express Card\"}\u003C\/div\u003E\n\u003C\/div\u003E"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The Business Platinum Card\u00ae from American Express\" href=\"#frequent\"\u003E\u003Cstrong\u003EThe Business Platinum Card\u00ae from American Express\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root Button--root Button--tertiary\" title=\"Read Review\" href=\"https:\/\/www.valuepenguin.com\/american-express-business-platinum-card\"\u003ERead Review\u003C\/a\u003E\u003C\/span\u003E"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The Blue Business\u00ae Plus Credit Card from American Express\" href=\"#membership\"\u003E\u003Cstrong\u003EThe Blue Business\u00ae Plus Credit Card from American Express\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root Button--root Button--tertiary\" title=\"Read Review\" href=\"https:\/\/www.valuepenguin.com\/blue-business-plus-credit-card\"\u003ERead Review\u003C\/a\u003E\u003C\/span\u003E"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Continue reading for a detailed look at the benefits and features of each recommended card. You can also jump ahead to our comparison tool at the bottom of the page to see how each card performs for your budget.

Best American Express card for luxury travel

The Platinum Card® from American Express

$550

See Pay Over Time APR

Excellent/Good

  • Earn 75,000 Membership Rewards® Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.
  • Earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s an additional 9 points on top of the 1 point you earn for these purchases.
  • 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 and Additional Centurion Cards only.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
  • 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • Enjoy complimentary access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits through American Express Travel with an average total value of $550 with Fine Hotels & Resorts® program at over 1,100 properties . Learn More.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
{"annualFee":"$550","apr":"See Pay Over Time APR","bannerDisclaimers":["\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/platinum-charge-card\/26129-10-0\/?print#terms-details\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.","On American Express' Secure Website"],"buttonColor":"primary","buttonIcon":"lock","buttonText":"Apply Now","context":" in context: Banner","creditNeeded":"Excellent\/Good","creditNeededTooltip":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.","details":"\u003Cul\u003E\u003Cli\u003EEarn 75,000 Membership Rewards\u00ae Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.\u003C\/li\u003E\u003Cli\u003EEarn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That\u2019s an additional 9 points on top of the 1 point you earn for these purchases.\u003C\/li\u003E\u003Cli\u003EEnjoy 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 and Additional Centurion Cards only.\u003C\/li\u003E\u003Cli\u003EEarn 5X Membership Rewards\u00ae\u00a0Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.\u003C\/li\u003E\u003Cli\u003E5X Membership Rewards\u00ae Points on prepaid hotels booked with American Express Travel.\u003C\/li\u003E\u003Cli\u003EEnjoy complimentary access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.\u003C\/li\u003E\u003Cli\u003EReceive complimentary benefits through American Express Travel with an average total value of $550 with Fine Hotels & Resorts\u00ae program at over 1,100 properties . Learn More.\u003C\/li\u003E\u003Cli\u003EGet up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card\u00ae. That\u2019s up to $50 in statement credits semi-annually. Enrollment required.\u003C\/li\u003E\u003Cli\u003E$550 annual fee.\u003C\/li\u003E\u003Cli\u003ETerms Apply.\u003C\/li\u003E\u003C\/ul\u003E","editorRating":"\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":80,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E","editorRatingTooltip":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.","featuredTitle":"Luxury travel","hideTitle":false,"imageURL":"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4577.png","isUnavailable":false,"link":"\/credit-cards\/redirect\/54?url=_best-american-express-credit-cards","name":"The Platinum Card\u00ae from American Express"}

75,000 Membership Rewards® Points after you use your new Card to make $5,000 in purchases in your first 6 months.

Our thoughts

The Platinum Card® from American Express is one of the most sought-after travel rewards cards because of its outstanding features and protections. The card's welcome offer is worth an estimated $1,200. This is because Membership Rewards can be transferred to Amex's list of partners, including Delta SkyMiles, Singapore Airlines KrisFlyer, Hilton Honorsand Marriott Bonvoy.

The card comes with a steep $550 annual fee, but, with all its credits — including the $100 Global Entry or TSA Precheck credit, up to $200 in Uber Cash and $100 Saks credit — you can nearly earn back the entire annual fee. If you travel frequently enough to take advantage of these benefits, the card is worth considering.

Rewards

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 and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel.
  • 1 points per $1 spent on other purchases.

Benefits

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).
  • Up to $100 credit for purchases at Saks Fifth Avenue or saks.com.
  • 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.
  • Complimentary Hilton Honors Gold and Marriott Bonvoy Gold status.
  • Travel insurance including trip cancellation and trip delay coverage.
  • Terms apply.
  • For rates and fees of The Platinum Card® from American Express, please click here.

Best American Express card for foodies

American Express® Gold Card

$250

See Pay Over Time APR

Excellent/Good

  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too.
  • Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • $120 Uber Cash: 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: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
{"annualFee":"$250","apr":"See Pay Over Time APR","bannerDisclaimers":["\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/gold-card\/26129-10-0\/?print#terms-details\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.","On American Express' Secure Website"],"buttonColor":"primary","buttonIcon":"lock","buttonText":"Apply Now","context":" in context: Banner","creditNeeded":"Excellent\/Good","creditNeededTooltip":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.","details":"\u003Cul\u003E\u003Cli\u003ERose Gold is back. You can now choose between Gold or Rose Gold.\u003C\/li\u003E\u003Cli\u003EEarn 60,000 Membership Rewards\u00ae points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.\u003C\/li\u003E\u003Cli\u003EEarn 4X Membership Rewards\u00ae Points on Restaurants worldwide, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too.\u003C\/li\u003E\u003Cli\u003EEarn 4X Membership Rewards\u00ae points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).\u003C\/li\u003E\u003Cli\u003E$120 Uber Cash: 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.\u003C\/li\u003E\u003Cli\u003E$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.\u003C\/li\u003E\u003Cli\u003EEarn 3X Membership Rewards\u00ae points on flights booked directly with airlines or on amextravel.com.\u003C\/li\u003E\u003Cli\u003ENo Foreign Transaction Fees.\u003C\/li\u003E\u003Cli\u003EAnnual Fee is $250.\u003C\/li\u003E\u003Cli\u003ETerms Apply.\u003C\/li\u003E\u003C\/ul\u003E","editorRating":"\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\" color=\"yellow\" name=\"star-half\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":70,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E","editorRatingTooltip":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.","featuredTitle":"Foodies","hideTitle":false,"imageURL":"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4576.png","isUnavailable":false,"link":"\/credit-cards\/redirect\/1304?url=_best-american-express-credit-cards","name":"American Express\u00ae Gold Card"}

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

Our thoughts

If you enjoy delicious fare, either at a restaurant or at home, the American Express® Gold Card can earn hefty rewards. Because of its massive earning potential at restaurants and U.S. supermarkets, foodies and travelers alike rave about this card. And if you are able to fully utilize the annual dining credit and hotel credit, your effective annual fee is just $30.

Rewards

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

  • Earn 4X Membership Points on Restaurants worldwide, including takeout and delivery. Additionally, 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.

Benefits

The American Express® Gold Card comes with other useful benefits for frequent travelers and diners, including several valuable credits:

  • $120 dining credit ($10/month) to the following retailers: Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed and participating Shake Shack locations.
  • 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.
  • $100 hotel credit when you book with The Hotel Collection for two consecutive nights, with potential for room upgrade.
  • Access to the American Express Global Assist Hotline.
  • Baggage insurance for any baggage that is lost, stolen or damaged during your travels.
  • Rental car insurance.
  • Terms apply
  • For rates and fees of the American Express® Gold Card, please click here.

Best American Express card for cash back

Blue Cash Preferred® Card from American Express

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

13.99%-23.99% Variable

Excellent/Good

  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 introductory annual fee for one year, then $95.
  • 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.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
{"annualFee":"$0 introductory annual fee for the first year, then $95","apr":"13.99%-23.99% Variable","bannerDisclaimers":["\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-preferred-credit-card\/26129-10-0\/?print#terms-details\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.","On American Express' Secure Website"],"buttonColor":"primary","buttonIcon":"lock","buttonText":"Apply Now","context":" in context: Banner","creditNeeded":"Excellent\/Good","creditNeededTooltip":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.","details":"\u003Cul\u003E\u003Cli\u003EEarn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.\u003C\/li\u003E\u003Cli\u003E$0 introductory annual fee for one year, then $95.\u003C\/li\u003E\u003Cli\u003E6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).\u003C\/li\u003E\u003Cli\u003E6% Cash Back on select U.S. streaming subscriptions.\u003C\/li\u003E\u003Cli\u003E3% Cash Back at U.S. gas stations and on transit (including taxis\/rideshare, parking, tolls, trains, buses and more).\u003C\/li\u003E\u003Cli\u003E1% Cash Back on other purchases.\u003C\/li\u003E\u003Cli\u003EPlan It\u00ae gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.\u003C\/li\u003E\u003Cli\u003ECash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.\u003C\/li\u003E\u003Cli\u003ETerms Apply.\u003C\/li\u003E\u003C\/ul\u003E","editorRating":"\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":76,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E","editorRatingTooltip":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.","featuredTitle":"Cash back","hideTitle":false,"imageURL":"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4327.jpg","isUnavailable":false,"link":"\/credit-cards\/redirect\/495?url=_best-american-express-credit-cards","name":"Blue Cash Preferred\u00ae Card from American Express"}

$300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

Our thoughts

Sorting through travel partners and keeping track of rewards can become time consuming for some. If you prefer simpler rewards, a cashback card like the Blue Cash Preferred® Card from American Express can save you money on daily expenses.

With the card's robust cashback categories, you can earn heaps of cash back, including an industry-leading 6% cash back on your first $6,000 in U.S. supermarket purchases each year.

The card comes with a $0 introductory annual fee for the first year, then $95 annual fee, which is well worth it if you spend sufficiently on groceries. However, if your spending habits will not outearn the annual fee, consider applying for the no annual fee Blue Cash Everyday® Card from American Express.

Rewards

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.

Benefits

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 13.99%-23.99% Variable applies.
  • Rental car insurance.
  • Access to the American Express Global Assist Hotline.
  • Access to Shoprunner.
  • Terms apply
  • For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.

Best Delta American Express card

Delta SkyMiles® Gold American Express Card

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

15.74%-24.74% Variable

Excellent/Good

  • Limited Time Offer: Earn 70,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months. Offer expires 4/28/2021.
  • Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • Earn 1X Mile on all other eligible purchases.
  • Enjoy your first checked bag free on Delta flights.
  • Earn now. Travel when you're ready. After you spend $10,000 in purchases in a calendar year, you will receive a $100 Delta Flight Credit on your Card to inspire your next travel.
  • Enjoy a $0 introductory Annual Fee for the first year, then $99.
  • Terms Apply.
{"annualFee":"$0 introductory annual fee for the first year, then $99.","apr":"15.74%-24.74% Variable","bannerDisclaimers":["\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/delta-skymiles-gold-american-express-card\/26129-10-0#offer-terms\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.","On American Express' Secure Website"],"buttonColor":"primary","buttonIcon":"lock","buttonText":"Apply Now","context":" in context: Banner","creditNeeded":"Excellent\/Good","creditNeededTooltip":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.","details":"\u003Cul\u003E\u003Cli\u003ELimited Time Offer: Earn 70,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months. Offer expires 4\/28\/2021.\u003C\/li\u003E\u003Cli\u003EEarn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.\u003C\/li\u003E\u003Cli\u003EEarn 1X Mile on all other eligible purchases.\u003C\/li\u003E\u003Cli\u003EEnjoy your first checked bag free on Delta flights.\u003C\/li\u003E\u003Cli\u003EEarn now. Travel when you're ready. After you spend $10,000 in purchases in a calendar year, you will receive a $100 Delta Flight Credit on your Card to inspire your next travel.\u003C\/li\u003E\u003Cli\u003EEnjoy a $0 introductory Annual Fee for the first year, then $99.\u003C\/li\u003E\u003Cli\u003ETerms Apply.\u003C\/li\u003E\u003C\/ul\u003E","editorRating":"\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":80,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E","editorRatingTooltip":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.","featuredTitle":"Earning Delta SkyMiles","hideTitle":false,"imageURL":"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4329.jpg","isUnavailable":false,"link":"\/credit-cards\/redirect\/851?url=_best-american-express-credit-cards","name":"Delta SkyMiles\u00ae Gold American Express Card"}

Limited Time Offer: Earn 70,000 bonus miles after spending $2,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Expires 04/28/2021.

Our thoughts

If you are based near a Delta Air Lines hub airport, or simply enjoy flying with Delta occasionally, the Delta SkyMiles® Gold American Express Card is a great card to earn Delta SkyMiles.

The card's welcome bonus is enough to earn a round-trip flight from Los Angeles, CA (LAX) to New York City (JFK) in economy, with plenty of miles left over.

Trip Summary

The card is simple, but extremely valuable for saving money when flying with Delta. You will receive your first checked bag free on every Delta flight. This is a great money saver as Delta baggage fees reach $60 for one bag round trip. You will also receive 20% back on in-flight purchases like food and beverages. The card offers other benefits for Delta flyers, including automatic priority boarding in Main Cabin 1 when you fly on Delta.

Lastly, the card comes with purchase protection and extended warranty to cover any purchases made with the card.

Rewards

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, including takeout and delivery and at U.S. supermarkets.

Benefits

The card's other benefits are valuable for cardholders who fly on Delta Air Lines 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.
  • Rental car insurance.
  • Purchase protection and extended warranty on qualifying purchases made with the card.
  • Terms apply.
  • For rates and fees of Delta SkyMiles® Gold American Express Card, please click here.

Best American Express card for business travel

The Business Platinum Card® from American Express

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

Our thoughts

The Business Platinum Card® from American Express is an excellent card for frequent business travelers. Traveling for work can be a stressful and exhausting experience, so comfort and luxury along the way can make a large difference. The Business Platinum Card® from American Express gives you access to similar benefits as The Platinum Card® from American Express, like airport lounge access, travel insurance and complimentary hotel loyalty program status.

In addition, you will earn Dell statement credits, bonus points for purchases over $5,000 and a 35% rebate when paying for first or business class flights using your American Express Membership Rewards.

The annual fee is slightly more than The Platinum Card® from American Express at $595. But as a small business owner, this annual fee can be written off your taxes as a business expense.

Rewards

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.

Benefits

The card comes with the same valuable travel credits as the consumer version of the card. In addition, it offers a $200 Dell statement credit, helping you make up the annual fee:

  • Global Entry/TSA PreCheck Fee credit.
  • Up to $200 in Uber credits each year ($15/month, and a $20 bonus in December).
  • 35% points rebate when you use American Express Membership Rewards to purchase first/business-class tickets.
  • 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.
  • Complimentary Hilton Honors Gold and Marriott Bonvoy Gold status.
  • Travel insurance including trip cancellation and trip delay coverage.
  • Extended warranty and purchase protection.
  • Terms Apply.
  • For rates and fees of The Business Platinum Card® from American Express, please click here.

Best American Express card for earning points

The Blue Business® Plus Credit Card from American Express

No annual fee

13.24% - 19.24% Variable

Excellent/Good

  • 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.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
  • *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, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply
{"annualFee":"No annual fee","apr":"13.24% - 19.24% Variable","bannerDisclaimers":["\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinessplus-credit-card\/42732-9-0?rwdFlag=rwd\/?rwdFlag=rwd#FeeTable\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.","On American Express' Secure Website"],"buttonColor":"primary","buttonIcon":"lock","buttonText":"Apply Now","context":" in context: Banner","creditNeeded":"Excellent\/Good","creditNeededTooltip":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.","details":"\u003Cul\u003E\u003Cli\u003EEarn 2X Membership Rewards\u00ae 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.\u003C\/li\u003E\u003Cli\u003EEnjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.\u003C\/li\u003E\u003Cli\u003EYou\u2019ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.\u003C\/li\u003E\u003Cli\u003EMore buying power for your business means more opportunities to earn points. That\u2019s everyday business with the Blue Business Plus Card.\u003C\/li\u003E\u003Cli\u003E*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.\u003C\/li\u003E\u003Cli\u003E0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.\u003C\/li\u003E\u003Cli\u003ENo Annual Fee\u003C\/li\u003E\u003Cli\u003ETerms Apply\u003C\/li\u003E\u003C\/ul\u003E","editorRating":"\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":80,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E","editorRatingTooltip":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.","featuredTitle":"Earning points","hideTitle":false,"imageURL":"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4235.jpg","isUnavailable":false,"link":"\/credit-cards\/redirect\/555?url=_best-american-express-credit-cards","name":"The Blue Business\u00ae Plus Credit Card from American Express"}

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.

Our thoughts

For small business owners looking for a business card to separate their personal and business expenses and earn valuable travel rewards, The Blue Business® Plus Credit Card from American Express is a great option.

The card lets you 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. It has No annual fee. It's also a good choice for financing a major business purchase, since it offers an intro APR of 0% on purchases for 12 months from date of account opening (after that, an APR of 13.24% - 19.24% Variable applies).

The largest downside of this card is the lack of a welcome bonus. To maximize your point earnings, it is best to use this card in combination with another card that earns Amex points.

Rewards

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.

Benefits

The card comes with a few other benefits, including an introductory offer of 0% on purchases for 12 months from date of account opening for purchases:

  • Intro APR of 0% on purchases for 12 months from date of account opening. (13.24% - 19.24% Variable thereafter).
  • Access to the American Express Global Assist Hotline.
  • Rental car insurance.
  • No annual fee.
  • Terms apply.
  • For rates and fees of The Blue Business® Plus Credit Card from American Express, please click here.

ValuePenguin's verdict

Whether you're looking for a Delta card or just a Membership Rewards-earning card through American Express, there are plenty of options to choose from. 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.

Amex card 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 the varying benefits you may see listed with your Amex card.

Amex card travel insurance

Credit card travel insurance comes in many forms, so be sure to check what is included in your coverage. Within your Amex card agreement, you may find one or more of these policies:

  • Trip cancellation/trip interruption
  • Trip delay
  • Lost/stolen luggage
  • Rental car coverage
  • Emergency medical insurance
  • Emergency medical evacuation
  • Accidental death and dismemberment

Before your next vacation or adventure, be sure to read into your travel insurance policy. It's important to know what coverage you have and what to do if you need to file a claim.

Amex rental car insurance

Several Amex cards offer complimentary rental car insurance. This is referred to by American Express as "car rental loss and damage insurance". This policy becomes active as long as you pay for the rental car using your card.

Nearly all Amex cards offer secondary car insurance, meaning that your personal car insurance will be liable to pay for any damages first. The only Amex card that offers primary car insurance is the Centurion® Card from American Express. If you want primary coverage, American Express offers Premium Rental Car Insurance at very affordable rates.

Pay It Plan It®

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.

Purchase protection

Purchase protection, available on select Amex cards, insures purchases for theft and damage. American Express covers qualifying items, up to 90 days after the original date of purchase. You can claim up to $10,000 per occurrence, and $50,000 per calendar year.

Return protection

If you try to return a product within 90 days of purchase, and the merchant refuses it, American Express will cover up to $300 per item, less shipping and handling. The purchase must be made in the United States, and your American Express card must be used to purchase the product in full.

Shoprunner

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/year, but is free with select American Express cards.

A few participating retailers include: Saks Fifth Avenue, Bloomingdale's, Neiman Marcus, Kiehl's, Under Armour, Cole Haan, MLB Shop and NHL Shop.

No foreign transaction fees

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.

Which Amex card is right for you?

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, it is important to 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? 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? If you can't select between the two, you can always earn American Express Membership Rewards to diversify your efforts.

Before applying, be sure to read our Amex applications rules guide. Each card issuer has unique rules as to who can qualify for a card. These are important to know as applying for an American Express card can hinder your chances of being approved for other issuers cards.

How to maximize Amex points

When you spend on cards like The Business Platinum Card® from American Express, you will earn Amex 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 earn Amex points, you can redeem them for the following:

  • Transfer to Amex travel partners
  • Book/upgrade travel
  • Merchandise
  • Statement credits
  • Gift cards
  • And more

Of these options, transferring to Amex travel partners is the most valuable. 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. Here are the current partners and their transfer ratios:

Amex travel partner
Transfer ratio
Aer Lingus1:1
AeroMexico1:1.6
Air Canada1:1
Air France/KLM1:1
Alitalia1:1
ANA (All Nippon Airways)1:1
Asia Miles1:1
Avianca1:1
British Airways1:1
Delta Air Lines1:1
El Al Airlines1000:20
Emirates1:1
Show All Rows
{"alignsHorizontal":[],"alignsVertical":[],"columnWidths":[],"data":[["Amex travel partner","Transfer ratio"],["Aer Lingus","1:1"],["AeroMexico","1:1.6"],["Air Canada","1:1"],["Air France\/KLM","1:1"],["Alitalia","1:1"],["ANA (All Nippon Airways)","1:1"],["Asia Miles","1:1"],["Avianca","1:1"],["British Airways","1:1"],["Delta Air Lines","1:1"],["El Al Airlines","1000:20"],["Emirates","1:1"],["Etihad","1:1"],["Hawaiian Airlines","1:1"],["Iberia","1:1"],["JetBlue","250:200"],["Qantas","1:1"],["Singapore Airlines","1:1"],["Virgin Atlantic","1:1"],["Choice Privileges Hotels","1:1"],["Hilton Honors","1:2"],["Marriott Bonvoy","1:1"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

How to apply for an Amex card

Applying for an Amex card is simple. You will need the following information to apply:

  • Name
  • Email address
  • Date of birth
  • Phone number
  • Address
  • Social Security number
  • Income and income source

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. 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.

Frequently asked questions

Below are some of the most common questions our readers have when applying for a new credit card. Check back often, as we're continually adding and updating our FAQs.

Is Amex the best 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.

What is the best Amex credit card?

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.

What's the easiest Amex card to get approved for?

The Ace Hardware Rewards Visa card is open to applicants with lower credit scores. It earns rewards, but has no welcome offer or additional benefits.

Can you get an Amex card with bad credit?

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.

Does Amex offer a secured credit card?

Amex does not offer a secured credit card.

How do you make payments for an Amex 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.

What is the Amex credit card payment address?

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 information related to The Business Platinum Card® from American Express, Centurion® Card from American Express and Ace Hardware Rewards Visa has been collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Brett Holzhauer

Brett Holzhauer is ValuePenguin’s travel rewards expert, focusing on credit card rewards maximization, consumer travel trends, and personal finance news. He has earned and burned over 5 million points and miles throughout his travels, saving him roughly $75,000 in travel expenses.

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).