American Express is a household name in the credit card industry. See why by taking a look at their wide selection of available personal and business cards.
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American Express is one of the leading credit card issuers in the world. It’s known for its high-quality products that offer great value for its consumers, and its cards offer many perks alongside more traditional rewards like cash back and travel points.
From premium travel cards to cash back cards to business cards, American Express has some of the best cards for everyone. If you’re interested in applying for a new card, check out these options from Amex.
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Our partners do not influence how we rate products.
Earn 80,000 Membership Rewards points after spending $8,000 on purchases on your new card in the first 6 months
Annual Fee
$695
Rewards Rate
5X points per dollar spent on eligible airfare (on up to $500,000 per calendar year, after that 1X) and eligible hotel purchases, and 1X points per dollar on all other eligible purchases
Why We Like It
If you want a premium rewards card with deluxe travel perks, consider The Platinum Card® from American Express. With a generous welcome offer, high rewards rate on eligible purchases, and upscale travel experiences, this card can enhance and streamline your next trip.
The Platinum Card® from American Express allows you to earn 5X points on flights booked directly with airlines or on Amextravel.com (on up to $500,000 per calendar year, after that 1X) and prepaid hotels booked on Amextravel.com.
The card offers a number of perks to justify its annual fee, including statement credits for airline fees, digital entertainment, Equinox, and CLEAR Plus membership. You can also enjoy a $200 hotel credit each year on prepaid bookings at Fine Hotels + Resorts® or The Hotel Collection, which require a minimum two-night stay. Add a flight to this trip and receive up to $200 in statement credits once you select a qualifying airline and pay for incidental fees with your Card. (Select benefits require enrollment.)
You'll also gain access to more than 1,400 airport lounges in over 140 countries through the American Express Global Lounge Collection. You'll also automatically earn Gold Status with the Marriott Bonvoy and Hilton Honors programs. (Select benefits require enrollment.)
Card Details
Earn 80,000 Membership Rewards points after spending $8,000 on purchases on your new card in the first 6 months
5X points per dollar spent on eligible airfare (on up to $500,000 per calendar year, after that 1X) and eligible hotel purchases, and 1X points per dollar on all other eligible purchases
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment.
Our partners do not influence how we rate products.
Earn 60,000 Membership Rewards points after you spend $6,000 on eligible purchases within the first 6 months of card membership
Annual Fee
$250
Rewards Rate
4X Membership Rewards points at U.S. supermarkets (up to $25,000 per year, after that 1X) and at restaurants, plus takeout and delivery in the U.S., 3X on flights booked directly with airlines or on Amextravel.com, and 1X on all other eligible purchases
Why We Like It
The American Express® Gold Card is a great rewards card option if you have good to excellent credit and love dining out.
You’ll earn 4X points per $1 spent at U.S. supermarkets (up to $25,000 per year, after that 1X) and restaurants, plus takeout and delivery in the U.S.. You can even enjoy monthly dining credits at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and participating Shake Shack locations, giving you an annual savings up to $120. For foodies, that’s a nice way to enjoy free food. Select benefits require enrollment.
Cardmembers can also enjoy up to $120 per year in Uber Cash by adding the Gold Card to their Uber account. Each month, you'll receive $10 good toward Uber Eats orders or Uber rides in the U.S. Select benefits require enrollment.
Travelers can earn 3X points per $1 spent on flights booked directly with airlines or on Amextravel.com.
Card Details
Earn 60,000 Membership Rewards points after you spend $6,000 on eligible purchases within the first 6 months of card membership
4X Membership Rewards points at U.S. supermarkets (up to $25,000 per year, after that 1X) and at restaurants, plus takeout and delivery in the U.S., 3X on flights booked directly with airlines or on Amextravel.com, and 1X on all other eligible purchases
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Our partners do not influence how we rate products.
Earn 60,000 Membership Rewards points after spending $3,000 on purchases in the first 6 months (plus, earn 20% back on eligible travel and transit purchases during the first 6 months, up to $200 back in the form of a statement credit)
Annual Fee
$150
Rewards Rate
3X points on eligible travel and transit purchases, and at eligible restaurants worldwide, including takeout and delivery in the U.S.; and 1X points on all other eligible purchases
Why We Like It
If you love to travel but don’t want to pay a hefty annual fee, the American Express® Green Card can be an excellent compromise.
It offers a very generous welcome bonus for new cardmembers, and you’ll earn 3X points on eligible travel and transit purchases, and at eligible restaurants worldwide, including takeout and delivery in the U.S.; and 1X points on all other eligible purchases.
For travelers who want an enhanced experience, the American Express® Green Card can help. When you use your card to purchase airport lounge access through the LoungeBuddy app, you can receive up to $100 in statement credits per calendar year. You can also get up to $189 annually as a statement credit when you pay for your CLEAR Plus membership, which can help you breeze through airport security.
Card Details
Earn 60,000 Membership Rewards points after spending $3,000 on purchases in the first 6 months (plus, earn 20% back on eligible travel and transit purchases during the first 6 months, up to $200 back in the form of a statement credit)
3X points on eligible travel and transit purchases, and at eligible restaurants worldwide, including takeout and delivery in the U.S.; and 1X points on all other eligible purchases
Intro purchase 0% APR offer: N/A
for N/A then 21.24% to 29.24% (variable)
Intro balance transfer 0% APR offer: N/A
for N/A
then N/A
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Earn a $250 statement credit after spending $3,000 on purchases in the first 6 months
Annual Fee
$0 intro annual fee for the first year, $95 per year thereafter
Rewards Rate
6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1%) and on select U.S. streaming services, 3% cash back at U.S. gas stations and on eligible transit, and 1% cash back on other eligible purchases
Why We Like It
If you’re looking for a powerful rewards card, the Blue Cash Preferred® Card from American Express allows you to earn up to a whopping 6% cash back in select categories.
You’ll earn 6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1%) and on select U.S. streaming services, 3% cash back at U.S. gas stations and on eligible transit, and 1% cash back on other eligible purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
The card does have a generous welcome offer and is a great card for large purchases and balance transfers.
Card Details
Earn a $250 statement credit after spending $3,000 on purchases in the first 6 months
6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1%) and on select U.S. streaming services, 3% cash back at U.S. gas stations and on eligible transit, and 1% cash back on other eligible purchases
Intro purchase 0% APR offer: 0%
for 12 months then 19.24% - 29.99% Variable
Intro balance transfer 0% APR offer: 0%
for 12 months
then 19.24% - 29.99% Variable
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Our partners do not influence how we rate products.
Earn a $200 statement credit after spending $2,000 in purchases in the first 6 months
Annual Fee
$0
Rewards Rate
3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year on purchases in each category, then 1%); and 1% cash back on other eligible purchases
Why We Like It
If you have good to excellent credit and want a rewards credit card that allows you to earn valuable cash back on your most common purchases, the Blue Cash Everyday® Card from American Express may be a good match for you.
You’ll earn 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year on purchases in each category, then 1%); and 1% cash back on other eligible purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. There’s also a welcome bonus, which is a nice perk for a card that has a $0 annual fee.
The Blue Cash Everyday® Card from American Express is also good for large purchases with a 0% intro APR on purchases for 15 months, then 19.24% - 29.99% Variable APR after that.
Card Details
Earn a $200 statement credit after spending $2,000 in purchases in the first 6 months
3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year on purchases in each category, then 1%); and 1% cash back on other eligible purchases
Intro purchase 0% APR offer: 0%
for 15 months then 19.24% - 29.99% Variable
Intro balance transfer 0% APR offer: 0%
for 15 months
then 19.24% - 29.99% Variable
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment.
Our partners do not influence how we rate products.
Earn $200 cash back (in the form of a statement credit) after you spend $2,000 in the first 6 months
Annual Fee
$0
Rewards Rate
1.5% unlimited cash back on all eligible purchases in the form of Reward Dollars, which can be redeemed as a statement credit
Why We Like It
The American Express Cash Magnet® Card is an attractive cash back card that offers unlimited 1.5% cash back on all eligible purchases with no annual fee.
Cash back is received in the form of Reward Dollars that can easily be redeemed for statement credits.
This is also a good card for large purchases.
Card Details
Earn $200 cash back (in the form of a statement credit) after you spend $2,000 in the first 6 months
1.5% unlimited cash back on all eligible purchases in the form of Reward Dollars, which can be redeemed as a statement credit
Intro purchase 0% APR offer: 0%
for 15 months then 19.24% to 29.99% (variable)
Intro balance transfer 0% APR offer: 0%
for 15 months on balances transferred within 60 days from account opening
then 19.24% to 29.99% (variable)
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment.
Our partners do not influence how we rate products.
Earn 60,000 bonus miles after spending $5,000 in purchases in the first 6 months
Annual Fee
$650
Rewards Rate
3X miles per dollar spent on purchases made directly with Delta and 1X miles for all other eligible purchases
Why We Like It
The Delta SkyMiles® Reserve American Express Card is a top-rated travel rewards card offering exclusive benefits for Delta Air Lines travelers. Cardmembers enjoy benefits such as Main Cabin 1 priority boarding and first checked bag free on Delta flights, as well as access to Delta Sky Club Lounges and Centurion Lounges.
Earn 3X miles per dollar spent on purchases made directly with Delta and 1X miles for all other eligible purchases.
Card Details
Earn 60,000 bonus miles after spending $5,000 in purchases in the first 6 months
3X miles per dollar spent on purchases made directly with Delta and 1X miles for all other eligible purchases
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment.
Our partners do not influence how we rate products.
Earn 50,000 bonus miles after spending $3,000 in purchases in the first 6 months
Annual Fee
$350
Rewards Rate
3X miles per dollar spent on purchases made directly with Delta and at hotels; 2X miles per dollar spent at restaurants worldwide, plus takeout and delivery in the U.S., and at U.S. supermarkets; and 1X miles for every dollar spent on all other eligible purchases
Why We Like It
The Delta SkyMiles® Platinum American Express Card is a premier travel rewards card offering exclusive benefits for Delta Air Lines travelers.
Cardmembers enjoy benefits such as first checked bag free, Main Cabin 1 priority boarding, 20% in-flight savings, and fee credit for Global Entry or TSA PreCheck.
Earn 3X miles per dollar spent on purchases made directly with Delta and at hotels; 2X miles per dollar spent at restaurants worldwide, plus takeout and delivery in the U.S., and at U.S. supermarkets; and 1X miles for every dollar spent on all other eligible purchases.
Card Details
Earn 50,000 bonus miles after spending $3,000 in purchases in the first 6 months
3X miles per dollar spent on purchases made directly with Delta and at hotels; 2X miles per dollar spent at restaurants worldwide, plus takeout and delivery in the U.S., and at U.S. supermarkets; and 1X miles for every dollar spent on all other eligible purchases
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment.
Our partners do not influence how we rate products.
Earn 40,000 bonus miles after spending $2,000 in purchases in the first 6 months
Annual Fee
$0 intro annual fee for the first year, $150 per year thereafter
Rewards Rate
2X miles on qualifying Delta purchases, at restaurants worldwide, plus takeout and delivery in the U.S., and at U.S supermarkets; and 1X miles per $1 spent on all other eligible purchases
Why We Like It
The Delta SkyMiles® Gold American Express Card is a solid travel rewards card for Delta flyers. Cardmembers enjoy benefits such as priority boarding and first checked bag free on Delta flights.
Earn 2X miles on qualifying Delta purchases, at restaurants worldwide, plus takeout and delivery in the U.S., and at U.S supermarkets; and 1X miles per $1 spent on all other eligible purchases.
Card Details
Earn 40,000 bonus miles after spending $2,000 in purchases in the first 6 months
2X miles on qualifying Delta purchases, at restaurants worldwide, plus takeout and delivery in the U.S., and at U.S supermarkets; and 1X miles per $1 spent on all other eligible purchases
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment.
Our partners do not influence how we rate products.
Earn 10,000 bonus miles after spending $1,000 in purchases in the first 6 months
Annual Fee
$0
Rewards Rate
2X miles on eligible purchases made directly with Delta and at restaurants worldwide, plus takeout and delivery in the U.S., and 1X miles on all other eligible purchases
Why We Like It
The Delta SkyMiles® Blue American Express Card is an excellent choice for Delta travelers who enjoy dining out.
Cardholders will enjoy in-flight savings, American Express travel and retail benefits, and no annual fee. (See Rates and Fees.)
Earn 2X miles on eligible purchases made directly with Delta and at restaurants worldwide, plus takeout and delivery in the U.S., and 1X miles on all other eligible purchases.
Card Details
Earn 10,000 bonus miles after spending $1,000 in purchases in the first 6 months
2X miles on eligible purchases made directly with Delta and at restaurants worldwide, plus takeout and delivery in the U.S., and 1X miles on all other eligible purchases
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment.
Our partners do not influence how we rate products.
Earn 185,000 Marriott Bonvoy bonus points after spending $6,000 in purchases in the first 6 months
Annual Fee
$650
Rewards Rate
6X points on eligible purchases at hotels participating in the Marriott Bonvoy program, 3X points at worldwide restaurants and on flights booked directly with airlines, and 2X points on all other eligible purchases
Why We Like It
The Marriott Bonvoy Brilliant® American Express® Card is an excellent choice for travelers who prefer staying at Marriot Bonvoy properties.
Cardholders will enjoy complimentary Platinum Elite status and receive a credit for Global Entry or TSA PreCheck fees.
You can also earn 6X points on eligible purchases at hotels participating in the Marriott Bonvoy program, 3X points at worldwide restaurants and on flights booked directly with airlines, and 2X points on all other eligible purchases.
Card Details
Earn 185,000 Marriott Bonvoy bonus points after spending $6,000 in purchases in the first 6 months
6X points on eligible purchases at hotels participating in the Marriott Bonvoy program, 3X points at worldwide restaurants and on flights booked directly with airlines, and 2X points on all other eligible purchases
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Our partners do not influence how we rate products.
Earn 155,000 Marriott Bonvoy bonus points after spending $5,000 in purchases in the first 6 months
Annual Fee
$250
Rewards Rate
6X points on eligible purchases at hotels participating in the Marriott Bonvoy program; 4X points at worldwide restaurants, including takeout and delivery, and U.S. supermarkets (up to $15,000 in combined purchases per calendar year, then 2X points); and 2X points on all other eligible purchases
Why We Like It
The Marriott Bonvoy Bevy™ American Express® Card is an excellent choice for frequent travelers who are loyal to Marriot Bonvoy properties.
Cardholders will enjoy complimentary Marriott Bonvoy Gold Elite status while earning 15 Elite Night Credits each calendar year.
You can also earn 6X points on eligible purchases at hotels participating in the Marriott Bonvoy program; 4X points at worldwide restaurants, including takeout and delivery, and U.S. supermarkets (up to $15,000 in combined purchases per calendar year, then 2X points); and 2X points on all other eligible purchases.
Card Details
Earn 155,000 Marriott Bonvoy bonus points after spending $5,000 in purchases in the first 6 months
6X points on eligible purchases at hotels participating in the Marriott Bonvoy program; 4X points at worldwide restaurants, including takeout and delivery, and U.S. supermarkets (up to $15,000 in combined purchases per calendar year, then 2X points); and 2X points on all other eligible purchases
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Our partners do not influence how we rate products.
Earn 150,000 Hilton Honors Bonus Points after spending $6,000 in the first 6 months
Annual Fee
$550
Rewards Rate
14X points on eligible purchases within the Hilton portfolio, 7X points on qualifying travel purchases made directly with airlines/select car rental companies or Amextravel.com, 7X points at U.S. restaurants, and 3X points on all other eligible purchases
Why We Like It
The Hilton Honors American Express Aspire Card is wonderful for travelers who prefer staying at Hilton properties.
Cardholders will benefit from Free Night Rewards, complimentary Diamond status, and up to $400 in resort fee credits each year.
Earn 14X points on eligible purchases within the Hilton portfolio, 7X points on qualifying travel purchases made directly with airlines/select car rental companies or Amextravel.com, 7X points at U.S. restaurants, and 3X points on all other eligible purchases.
Card Details
Earn 150,000 Hilton Honors Bonus Points after spending $6,000 in the first 6 months
14X points on eligible purchases within the Hilton portfolio, 7X points on qualifying travel purchases made directly with airlines/select car rental companies or Amextravel.com, 7X points at U.S. restaurants, and 3X points on all other eligible purchases
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Our partners do not influence how we rate products.
Earn 130,000 Hilton Honors Bonus Points after spending $3,000 on purchases in the first 6 months
Annual Fee
$150
Rewards Rate
12X points on eligible purchases at participating Hilton hotels or resorts; 6X points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations; 4X points on U.S. online retail purchases; and 3X points on all other eligible purchases
Why We Like It
If you’re a devotee of Hilton-branded hotels, the Hilton Honors American Express Surpass® Card can be a good travel rewards card for you. It has a large welcome bonus for new cardmembers and you can earn free stays.
If you haven’t yet attained Hilton Honors Gold status, this card gives you immediate Gold status access, which includes free breakfast at all Hilton hotels.
When you stay at an eligible Hilton hotel or resort, you’ll earn 12X points on eligible purchases at participating Hilton hotels or resorts; 6X points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations; 4X points on U.S. online retail purchases; and 3X points on all other eligible purchases.
Card Details
Earn 130,000 Hilton Honors Bonus Points after spending $3,000 on purchases in the first 6 months
12X points on eligible purchases at participating Hilton hotels or resorts; 6X points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations; 4X points on U.S. online retail purchases; and 3X points on all other eligible purchases
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Earn 80,000 Hilton Honors Bonus Points after spending $2,000 in purchases in the first 6 months
Annual Fee
$0
Rewards Rate
7X points at participating hotels and resorts in the Hilton portfolio; 5X points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations; and 3X points on all other eligible purchases
Why We Like It
The Hilton Honors American Express Card is an advantageous travel credit card for travelers who prefer staying at Hilton properties.
Cardmembers receive complimentary Silver status and access to certain American Express travel benefits.
Earn 7X points at participating hotels and resorts in the Hilton portfolio; 5X points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations; and 3X points on all other eligible purchases.
Card Details
Earn 80,000 Hilton Honors Bonus Points after spending $2,000 in purchases in the first 6 months
7X points at participating hotels and resorts in the Hilton portfolio; 5X points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations; and 3X points on all other eligible purchases
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment.
Our partners do not influence how we rate products.
Earn 150,000 Membership Rewards points after spending $20,000 on eligible purchases in the first 3 months
Annual Fee
$695
Rewards Rate
5X points on flights and prepaid hotels on Amextravel.com; 1.5X points on eligible purchases at U.S. suppliers of construction materials and hardware, U.S. retailers of electronic goods, U.S. providers of shipping, software and cloud systems, and eligible purchases of $5,000 or more (up to $2 million per year, then 1X); and 1X points per $1 spent on all other eligible purchases
Why We Like It
The Business Platinum Card® from American Express is best for business owners looking for a rewards card with premium benefits. If you make major purchases throughout the year and travel often, the card can be very useful to you and your business.
New cardmembers can earn a lucrative welcome bonus and generous rewards. You’ll also earn 5X points per $1 spent on flights and prepaid hotels on Amextravel.com. On all other eligible purchases, you’ll earn 1X point per $1 spent. However, on eligible purchases at U.S. suppliers of construction materials and hardware, U.S. retailers of electronic goods, U.S. providers of shipping, software and cloud systems, and eligible purchases of $5,000 or more (up to $2 million per year, then 1X), you earn 1.5X points per $1 spent.
You’ll get Centurion Lounge access at airports, as well as access to the American Express Global Lounge Collection, Delta Sky Club, and Priority Pass Select. Each year, you’ll get up to $200 in airline credits to reimburse you for fees paid to an airline of your choice. (Select benefits require enrollment.)
Card Details
Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
$189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
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Earn 70,000 Membership Rewards points after spending $10,000 on eligible purchases in the first 3 months
Annual Fee
$375
Rewards Rate
4X Membership Rewards Points on purchases in the two categories with the most spend each billing cycle from 6 eligible categories (up to $150,000 in combined purchases each calendar year, after that 1X), 3X Membership Rewards points on flights and prepaid hotels booked at amextravel.com, and 1 point per $1 spent on other eligible purchases
Why We Like It
If you’re a business owner looking for a rewards credit card that offers great travel benefits, the American Express® Business Gold Card is a good choice for you.
It has a robust welcome offer for new cardmembers, and you can earn valuable rewards on some of your most common business expenses. You’ll earn 4X points per $1 spent on the two categories with the most spend each billing cycle from 6 eligible categories (up to $150,000 annually, after that 1X) where your business spends the most money.
If you travel often for work, this card is an excellent addition to your wallet.
Card Details
Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
Your Card – Your Choice. Choose from Gold or Rose Gold.
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1.5% cash back on the portion of your eligible charges balance that you pay within 10 days of your statement closing date, as long as you pay at least your minimum payment
Why We Like It
The Plum Card® from American Express is a great option for business owners who want to earn cash back on their purchases.
Cardholders enjoy access to American Express travel and retail benefits, and there is no foreign transaction fee.
Get 1.5% Early Pay Discount on the portion of your eligible charges balance that you pay within 10 days of your statement closing date, as long as you pay at least your minimum payment due by your payment due date. Cash back is received in the form of statement credits.
Card Details
Paying early pays off: get an unlimited 1.5% Early Pay Discount on eligible charges within 10 days of your statement closing date and see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the Please Pay By date.
Take up to 60 days to pay with no interest‡, when you pay your minimum due by the Payment Due Date.
Use the power of the Plum Card to buy big for your business.
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Our partners do not influence how we rate products.
Earn 15,000 Membership Rewards points after you spend $3,000 within your first 3 months
Annual Fee
$95
Rewards Rate
2X points on eligible purchases at AmexTravel.com, and 1X points for all other eligible purchases
Why We Like It
The Business Green Rewards Card from American Express is a great option for business owners who want to earn Amex Membership Rewards points on their purchases.
You also get 2X points on eligible purchases at AmexTravel.com and free employee cards.
Card Details
Earn 15,000 Membership Rewards points after you spend $3,000 within your first 3 months
2X points on eligible purchases at AmexTravel.com, and 1X points for all other eligible purchases
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment.
Our partners do not influence how we rate products.
Earn a $250 statement credit after spending $3,000 on purchases in the first 3 months
Annual Fee
$0
Rewards Rate
2% cash back on the first $50,000 in eligible purchases each year, then 1% after that
Why We Like It
For business owners who want to earn rewards without worrying about expensive fees, The American Express Blue Business Cash™ Card is a great option. It has no annual fee and offers a simple rewards structure that’s perfect for busy business owners who don’t want to think about different spending categories.
With the Blue Business Cash Card, you’ll earn 2% cash back on the first $50,000 in eligible purchases each year, then 1% after that. Cash back is received in the form of statement credits.
This is also a good card for large purchases.
Card Details
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
Just remember, 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.
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Our partners do not influence how we rate products.
Earn 15,000 Membership Rewards points after you spend $3,000 on eligible purchases within the first 3 months of card membership
Annual Fee
$0
Rewards Rate
2X Membership Rewards points on everyday eligible business purchases up to $50,000 each year, and 1X points on eligible purchases after that
Why We Like It
The Blue Business® Plus Credit Card from American Express offers great rewards and earning incentives on business-related purchases with no annual fee.
Cardmembers can create employee cards, designate an account manager, and receive a complete year-end summary each year.
Earn 2X Membership Rewards points on everyday eligible business purchases up to $50,000 each year, and 1X points on eligible purchases after that.
Card Details
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
*The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
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Our partners do not influence how we rate products.
Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
Annual Fee
$125
Rewards Rate
6X points at participating Marriott Bonvoy hotels; 4X points at restaurants worldwide, U.S. gas stations, U.S. purchases on shipping, and wireless telephone services purchased from U.S. providers; and 2X points on all other eligible purchases
Why We Like It
The Marriott Bonvoy Business® American Express® Card offers generous rewards for travelers who enjoy staying at Marriott Bonvoy properties. New cardmembers will receive complimentary Marriott Bonvoy Gold Elite status.
Earn 6X points at participating Marriott Bonvoy hotels; 4X points at restaurants worldwide, U.S. gas stations, U.S. purchases on shipping, and wireless telephone services purchased from U.S. providers; and 2X points on all other eligible purchases.
Card Details
WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
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Our partners do not influence how we rate products.
Earn 175,000 Hilton Honors Bonus Points after spending $8,000 in purchases in the first 6 months (offer ends 6/5)
Annual Fee
$195
Rewards Rate
12X Hilton Honors Bonus Points on eligible Hilton purchases; 5X Hilton Honors Bonus Points on other purchases made on the first $100,000 in purchases each calendar year; and 3X points thereafter
Why We Like It
The Hilton Honors American Express Business Card is a highly regarded hotel rewards credit card offering generous benefits for business travelers.
Cardmembers receive complimentary Hilton Honors Gold Status, qualifying them for an 80% bonus on all Base Points, space-available room upgrades, daily food and beverage credit or continental breakfast (depending on the property), and more.
Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases; 5X Hilton Honors Bonus Points on other purchases made on the first $100,000 in purchases each calendar year; and 3X points thereafter.
Card Details
Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 6/5.
Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
ENHANCED: Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
NEW: Enjoy up to $240 back each year for eligible purchases made directly with Hilton.
Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
You may receive an upgrade to Hilton Honors Diamond status if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
NEW: Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
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Our partners do not influence how we rate products.
Earn 75,000 bonus miles after spending $10,000 in purchases in your first 6 months
Annual Fee
$650
Rewards Rate
3X miles for eligible purchases made directly with Delta; 1.5X miles on eligible transit, U.S. shipping, and U.S. office supply store purchases, plus all eligible purchases after you spend $150,000 in purchases in a year
Why We Like It
The Delta SkyMiles® Reserve Business American Express Card is great for business owners and those who travel for work frequently.
Cardholders will benefit from complimentary Delta Sky Club, Centurion Lounge, or Escape Lounge - The Centurion Studio Partner access, as well as additional employee cards.
Earn 3X miles for eligible purchases made directly with Delta; 1.5X miles on eligible transit, U.S. shipping, and U.S. office supply store purchases, plus all eligible purchases after you spend $150,000 in purchases in a year.
Card Details
Welcome Offer: Earn 75,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
Reserve your piece of history with the new limited edition Boeing 747 Delta SkyMiles® Reserve Business American Express Card design.
Enter Delta Sky Club® at no cost. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
Earn 3 miles per dollar on eligible Delta purchases.
Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Pay no foreign transaction fees when you travel overseas.
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Our partners do not influence how we rate products.
Earn 65,000 bonus miles after you spend $6,000 in purchases in your first 6 months
Annual Fee
$350
Rewards Rate
1.5X miles on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more; and 1X mile per $1 spent on other eligible purchases
Why We Like It
The Delta SkyMiles® Platinum Business American Express Card is a premier travel rewards card for Delta Air Lines travelers.
Cardmembers enjoy benefits such as first checked bag free on Delta flights, no foreign transaction fees, and annual companion passes upon renewal of the card each year.
Earn 1.5X miles on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more; and 1X mile per $1 spent on other eligible purchases.
Card Details
Welcome Offer: Earn 65,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles® Platinum Business American Express Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
Earn up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members. Ticket must be purchased on or after February 1, 2024 to be eligible to receive a complimentary upgrade.
Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment.
Our partners do not influence how we rate products.
Earn 55,000 bonus miles after you spend $4,000 in purchases in your first 6 months
Annual Fee
$0 intro annual fee for the first year, $150 per year thereafter
Rewards Rate
2X miles per $1 spent at Delta and restaurants, and on eligible U.S. shipping purchases and eligible U.S. advertising in select media up to $50,000 per category, per year. Plus, 1X miles per $1 on all other eligible purchases
Why We Like It
The Delta SkyMiles® Gold Business American Express Card is a solid travel rewards card for Delta Air Lines travelers.
Cardmembers enjoy benefits such as first checked bag free, 20% in-flight savings on eligible purchases, and no foreign transaction fees.
Earn 2X miles per $1 spent at Delta and restaurants, and on eligible U.S. shipping purchases and eligible U.S. advertising in select media up to $50,000 per category, per year. Plus, 1X miles per $1 on all other eligible purchases.
Card Details
Welcome Offer: Earn 55,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
$0 introductory annual fee for the first year, then $150
Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Additionally, you can receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
Earn 1 Mile on every eligible dollar spent on other purchases.
Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
Elevate your travel experience with an annual statement credit of up to $150 after using your Delta Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
Pay no foreign transaction fees when you travel overseas.
Lowe's Business Rewards Card from American Express
4.0
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Our partners do not influence how we rate products.
Lowe's Business Rewards Card from American Express
Earn 5% cash back on purchases at Lowe’s for the first 6 months. 2% back after (new accounts only)
Annual Fee
$0
Rewards Rate
2% cash back on business categories (U.S. restaurants, U.S. office supply stores, and purchases with U.S. wireless telephone service providers) and at Lowe's stores and Lowes.com; 1% cash back on all other eligible purchases
Why We Like It
The Lowe's Business Rewards Card from American Express is a decent card for frequent Lowe's shoppers who enjoy discounts and earning rewards on their Lowe's purchases.
Earn 5% cash back on purchases at Lowe’s for the first 6 months. 2% back after (new accounts only). If you're interested in earning additional rewards, this card does not disappoint. In addition to the benefits above, you also earn 2% cash back on business categories (U.S. restaurants, U.S. office supply stores, and purchases with U.S. wireless telephone service providers) and at Lowe's stores and Lowes.com; 1% cash back on all other eligible purchases. Cash back is received in the form of statement credits.
Card Details
Earn 5% cash back on purchases at Lowe’s for the first 6 months. 2% back after (new accounts only)
2% cash back on business categories (U.S. restaurants, U.S. office supply stores, and purchases with U.S. wireless telephone service providers) and at Lowe's stores and Lowes.com; 1% cash back on all other eligible purchases
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment.
Our partners do not influence how we rate products.
3% back in Amazon Rewards points or no interest for 60 days on U.S. Amazon Business, AWS, Amazon.com, and Whole Foods purchases (on up to $120,000 in purchases per calendar year, after that 1%); 2% back at U.S. restaurants, U.S. gas stations, and purchases with U.S. wireless providers; and 1% back on all other eligible purchases
Why We Like It
If you frequently shop Amazon or Whole Foods for your business, the Amazon Business American Express Card may be a great option for you.
With this card, you can earn Amazon Rewards points. Cardmembers earn 3% back in Amazon Rewards points or no interest for 60 days on U.S. Amazon Business, AWS, Amazon.com, and Whole Foods purchases (on up to $120,000 in purchases per calendar year, after that 1%); 2% back at U.S. restaurants, U.S. gas stations, and purchases with U.S. wireless providers; and 1% back on all other eligible purchases. Select benefits require enrollment.
Earn a $100 Amazon gift card upon approval with the Amazon Business American Express Card.
Card Details
Earn a $100 Amazon gift card upon approval
3% back in Amazon Rewards points or no interest for 60 days on U.S. Amazon Business, AWS, Amazon.com, and Whole Foods purchases (on up to $120,000 in purchases per calendar year, after that 1%); 2% back at U.S. restaurants, U.S. gas stations, and purchases with U.S. wireless providers; and 1% back on all other eligible purchases
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment.
Our partners do not influence how we rate products.
5% back in Amazon Rewards points or no interest for 90 days on U.S. Amazon Business, AWS, Amazon.com, and Whole Foods purchases (on up to $120,000 in purchases per calendar year, after that 1%); 2% back at U.S. restaurants, U.S. gas stations, and purchases with U.S. wireless providers; and 1% back on all other eligible purchases
Why We Like It
Earning rewards at Amazon just got easier with the Amazon Business Prime American Express Card. If you make business purchases frequently at Amazon or Whole Foods and you're looking for a no annual fee card, this could be a great option for you.
With the Amazon Business Prime American Express Card, you can earn Amazon Rewards points. Cardholders can earn 5% back in Amazon Rewards points or no interest for 90 days on U.S. Amazon Business, AWS, Amazon.com, and Whole Foods purchases (on up to $120,000 in purchases per calendar year, after that 1%); 2% back at U.S. restaurants, U.S. gas stations, and purchases with U.S. wireless providers; and 1% back on all other eligible purchases. Select benefits require enrollment.
The Amazon Business Prime American Express Card also provides an immediate reward: Earn a $125 Amazon gift card upon approval.
Card Details
Earn a $125 Amazon gift card upon approval
5% back in Amazon Rewards points or no interest for 90 days on U.S. Amazon Business, AWS, Amazon.com, and Whole Foods purchases (on up to $120,000 in purchases per calendar year, after that 1%); 2% back at U.S. restaurants, U.S. gas stations, and purchases with U.S. wireless providers; and 1% back on all other eligible purchases
All information about Lowe's Business Rewards Card from American Express has been collected independently by FinanceBuzz.
All information about Business Green Rewards Card from American Express has been collected independently by FinanceBuzz.
What is American Express?
Originally founded as a freight forwarding company in 1850, American Express has evolved and grown since then to become the fourth-largest general-purpose card network in the world, based on purchase volume. In 2022, Amex had a net income of $7.5 billion, and in 2023, it employed more than 77,000 people worldwide.
Since its early days, American Express has always had the reputation of being a company people could trust. The company values customer service and strives to provide the best products possible to its customers. Although known now for its many credit card options, American Express first built a loyal customer base by offering traveler’s checks. Its first charge card was introduced in 1958.
Today, Amex offers dozens of cards to choose from, including personal cards, business cards, corporate cards, and gift cards. It also offers FDIC-insured online savings accounts you can access 24/7.
Amex cards are accepted by 99% of merchants in the U.S. that accept credit cards and at different merchants around the world. With more than 12.5 million new card accounts issued in 2022, it’s easy to see how popular its products and services have become. Amex Membership Rewards program is also one of the most popular loyalty programs in the world. Customers love to earn valuable rewards from purchases that fit their everyday lifestyles, which is easy to do with many different Amex credit cards.
What are the different types of American Express cards?
Amex customers have a lot to choose from when it comes to the different types of credit cards available. There are personal cards designed for earning travel rewards, cash back, and everything in between. Even better, there are plenty of business cards to choose from as well. American Express has some of the best credit cards for just about everyone.
American Express personal credit cards
Amex-issued personal cards are available in a variety of options, each one designed to fit a specific situation or lifestyle. With so many cards available with different card benefits, it’s easy to find one to suit your needs.
American Express cash back cards
Cash back credit cards offer rewards in the form of cash back for eligible purchases made with the card. With American Express, you’ll receive your cash back from purchases in the form of Reward Dollars that can be redeemed as a statement credit.
These types of consumer cards are some of the most commonly used because they’re perfect for everyday spending. If you’re already shopping for groceries, ordering takeout, or filling up your car at the gas station, you can pay for those purchases with a cash back card and earn valuable money back in the form of statement credits in the process.
Some cash back cards may offer increased earnings in bonus categories; others offer a flat, unlimited rate on qualifying purchases.
Amex travel cards are specifically designed with the traveler in mind, no matter how frequently you’re on the go. These cards earn valuable American Express Membership Rewards points that can be redeemed in the form of a statement credit, gift card, or travel through the Amex travel portal. You can also shop with them through Amex’s merchant partnerships or pay with them at checkout at many different merchants, such as Amazon and Best Buy.
Depending on the travel credit card, card membership may also come with certain built-in benefits and perks. This may include airline fee credits, rideshare credits, airport lounge access, car rental insurance, no foreign transaction fees, and more. (Enrollment is required for select benefits.)
If you want to avoid a high annual fee, American Express has multiple no-annual fee cards to choose from. Annual fees are generally attached to credit cards that offer higher rewards earning potential than average or that come with additional perks and benefits. That’s understandable, but it doesn’t mean you can’t find value with no annual fee credit cards.
The bottom line is if your card has no annual fee, that’s one less thing you have to worry about, which can be a lot of value by itself. You can still earn cash back, points, or miles with these cards, and many of them offer extra points or cash back in certain spending categories.
Some of these no-annual-fee Amex cards also come with 0% intro APR offers that last for a certain number of months after account opening. After that period ends, your balance will be subject to the regular variable APR. So if you’re looking to avoid accruing interest on purchases or balance transfers during your first months of card membership, you might consider one of these cards that comes with that offer.
Co-branded airline cards are credit cards that are co-branded with a specific airline to offer rewards for that airline’s loyalty program. In the case of Amex co-branded airline cards, Amex has partnered with Delta.
With these airline cards, you can earn Delta SkyMiles on every purchase and make use of the built-in travel benefits. Depending on the card, you may find perks such as priority boarding, Delta flight credit, complimentary Delta Sky Club access, annual companion certificate, increased rewards on in-flight purchases, and more.
These cards are similar to co-branded airline cards, except they’re designed for use with hotel loyalty programs instead. For Amex co-branded hotel cards, Amex has partnered with both Marriott and Hilton.
You can use these cards to earn either Marriott Bonvoy points or Hilton Honors points (depending on the card) with every purchase. You can also earn increased rewards in bonus categories, such as staying at an applicable hotel. A common benefit of co-branded hotel cards is receiving a complimentary status in the hotel’s loyalty program just for having the card.
Along with personal card offerings, Amex also offers business credit cards. Business cards are specifically designed to be used by small business owners and their employees, which allows for easy separation of personal and business expenses.
American Express business cards have as much variety as Amex personal cards. There are cashback cards, travel cards, and co-branded airline and hotel cards. However you like to earn rewards with your business expenses, there’s a small business card for you.
How does American Express compare to other credit card companies?
American Express may be one of the largest credit card issuers in the world by purchase volume, but it’s not the only big credit card company out there. A few of the other major companies are Visa, Mastercard, and Chase. All four of these credit card companies are commonly known and have a lot of similarities between them, but there are a few key differences as well.
Amex vs. Visa
Visa is one of the most well-known credit card companies in the world. In general, if a merchant accepts credit cards, they most likely accept Visa cards, no matter the country. It’s important to note, though, that Visa is not a credit card issuer.
Rather, Visa is a payments network. It facilitates credit card payments in more than 200 countries and territories worldwide, but it doesn’t actually issue any credit cards to consumers. American Express, on the other hand, is both a card issuer and a payments network. Amex releases its own credit cards for consumer use and processes payments around the world through its network.
At the moment, Visa has a more extensive global reach than Amex. Visa is accepted at more places around the world than Amex, but they’re both accepted almost everywhere in the U.S.
Amex vs. Mastercard
Similar to Visa, Mastercard is a payments network and not a credit card issuer. So although you may see the Mastercard logo on many credit cards, just know there’s another logo on there from the actual card issuer, such as a bank or credit union.
Mastercard credit cards are widely accepted around the world, as with Visa. Because they’re accepted almost everywhere, it’s easier to use a Mastercard while traveling abroad than it is to use an Amex card. Although Amex cards work great in certain countries, they don’t have the same global acceptance that Mastercard credit cards do.
Amex vs. Chase
Chase is different from Visa and Mastercard because it’s a credit card issuer, but not a payment network. Because of this designation, you can find Chase cards that are also either Visa or Mastercard. There are currently no Chase Amex cards available, though.
Chase cards will be more widely accepted around the world than Amex cards because Chase cards are either on the Visa or Mastercard networks. Overall, though, both Chase and Amex are the two of biggest credit card issuers in the U.S.
Which American Express card should you choose?
The ideal American Express card for you is the one that best suits your lifestyle, spending habits, and financial goals. Over the years, credit card companies have made it easy for consumers to align themselves with certain cards because there are a variety of options to fit every situation.
To find the best American Express card for you, you have to ask yourself one essential question: What am I going to use this card for?
If you can answer that question, it will be easy to narrow down your options and answer any follow-up questions along the way. For example, if you’re looking for a credit card to use on all your purchases, then it could make sense to apply for a card like the American Express Cash Magnet® Card.
It’s an easy-to-use card that earns 1.5% unlimited cash back on all eligible purchases in the form of Reward Dollars, which can be redeemed as a statement credit. You can watch your Reward Dollars build from every purchase without having to worry about bonus categories.
For travel rewards and benefits, you might consider one of the many Amex rewards cards designed for travelers. There are Amex credit cards that are co-branded with Delta, Hilton, and Marriott, if you’re interested in their loyalty programs. You can also use certain Amex cards to earn Membership Rewards points and redeem them for many different travel options, such as airfare, hotel stays, and rental cars.
Whatever your need — whether it’s balance transfers, travel, cash back, building credit, online shopping, paying for business expenses, cash back on streaming subscriptions, or anything else — there’s an American Express credit card to cover you.
FAQs about American Express credit cards
Which Amex card is best?
The best Amex card is the one that addresses your needs the most. Each individual has their own unique situation with different spending habits, lifestyles, and financial goals. If you’re a frequent traveler, a travel rewards card that offers travel insurance and Membership Rewards on travel purchases might be the perfect fit. If you want a no-frills card that earns cash back, the best card for you might be one that earns unlimited cash back on every purchase.
If you can narrow down your needs, you can narrow down which Amex card is right for you.
Is it hard to get an American Express card?
Most American Express credit cards require a good to excellent credit score for approval. A good FICO score starts at 670; an excellent score starts at 800. Of course, these are only guidelines for being approved for an Amex card. The actual approval process may take other things into consideration apart from your credit score.
Which American Express cards have no annual fee?
These are the American Express credit cards with no annual fee:
Blue Cash Everyday® Card from American Express
American Express Cash Magnet® Card
Amex EveryDay® Credit Card
Hilton Honors American Express Card
Delta SkyMiles® Blue American Express Card
The American Express Blue Business Cash™ Card
The Blue Business® Plus Credit Card from American Express
Which Amex cards earn rewards?
The majority of American Express credit cards earn rewards, though the type of rewards may vary. There are cashback rewards and rewards in the form of points or miles.
Delta SkyMiles® Reserve Business American Express Card
Delta SkyMiles® Platinum Business American Express Card
Delta SkyMiles® Gold Business American Express Card
What is the Amex Membership Rewards program?
The Amex Membership Rewards program is Amex’s travel rewards program. As you make purchases with certain American Express credit cards, you will earn Membership Rewards points that you can then redeem in a variety of ways.
Amex Membership Rewards points can be redeemed for statement credits, gift cards, or travel through the Amex travel portal. Travel redemptions include airfare, hotel stays, rental cars, and more. You can also transfer your points to more than 20 airline and hotel transfer partners, which may often result in incredibly valuable redemptions.
Certain merchants such as Amazon and Best Buy will accept Membership Rewards points as a form of payment when you’re checking out. You can also shop for items with your points through Amex’s merchant partners.
How do you contact American Express customer service?
You can call the number listed on the back of your American Express credit card or log into your online account and click on the “Chat” icon in the bottom corner of your screen when you’re on the homepage.
Bottom line on Amex cards
From some of the best travel credit cards to some of the best cashback credit cards, American Express has something for everyone. Each of these credit cards above could be the perfect fit in certain situations, so it depends on what you need the card for. One person could be looking for a small business card, while another would benefit from an introductory APR offer.
As you go through the process of choosing the best Amex card for your wallet, consider your goals and spending habits. Once you know what you’re looking for in a card, you can use this guide to help find the right one for you.
Powerful Benefits with a Low Annual Fee
American Express® Green Card
4.6
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Our partners do not influence how we rate products.
Earn 60,000 Membership Rewards points after spending $3,000 on purchases in the first 6 months (plus, earn 20% back on eligible travel and transit purchases during the first 6 months, up to $200 back in the form of a statement credit)
Annual Fee
$150
Rewards Rate
3X points on eligible travel and transit purchases, and at eligible restaurants worldwide, including takeout and delivery in the U.S.; and 1X points on all other eligible purchases
Benefits and Drawbacks
Benefits
Earn 60,000 Membership Rewards points after spending $3,000 on purchases in the first 6 months (plus, earn 20% back on eligible travel and transit purchases during the first 6 months, up to $200 back in the form of a statement credit)
3X points at eligible travel and transit purchases, and at eligible restaurants worldwide, including takeout and delivery in the U.S.
Up to $189 annually as a statement credit for CLEAR Plus
Up to $100 LoungeBuddy credit per year
Drawbacks
$150 annual fee
Limited lounge access
No balance transfers
Card Details
Earn 60,000 Membership Rewards points after spending $3,000 on purchases in the first 6 months (plus, earn 20% back on eligible travel and transit purchases during the first 6 months, up to $200 back in the form of a statement credit)
3X points on eligible travel and transit purchases, and at eligible restaurants worldwide, including takeout and delivery in the U.S.; and 1X points on all other eligible purchases
Intro purchase 0% APR offer: N/A
for N/A then 21.24% to 29.24% (variable)
Intro balance transfer 0% APR offer: N/A
for N/A then N/A
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