American Express Credit Cards: Best and Latest Offers [September 2020]

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.
Last updated Aug 13, 2020 | By Ben Walker

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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.

From premium travel credit cards to everyday cashback credit cards, American Express has a credit card for everyone. If you’re interested in applying for a new Amex card, check out these fantastic options.

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Latest Amex personal card offers

Special Offer

Earn 60,000 Membership Rewards points after spending $5,000 in the first 3 months

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 per $1 spent on flights and prepaid hotels booked through AmexTravel.com.

The card offers a number of perks to justify its annual fee including up to $200 per year in statement credits for Uber and up to $200 in statement credits for airline fees each year.

You'll also gain access to more than 1,200 airport lounges in over 130 countries through the American Express Global Lounge Collection. You'll also automatically earn Gold Status with the Marriott Bonvoy and Hilton Honors programs.

Credit Needed: Good - Excellent

Special Offer

Earn 35,000 Membership Rewards points after you make $4,000 in purchases within the first 3 months

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 (on up to $25,000) and at restaurants worldwide. You can even enjoy monthly dining credits at GrubHub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations, giving you an annual savings up to $120. For foodies, that’s a nice way to enjoy free food.

Travelers can earn 3X points per $1 spent on flights booked directly with airlines or on Amextravel.com. You'll also get a $100 airline credit to cover incidental fees. Terms apply.

Credit Needed: Good - Excellent

Special Offer

Earn 45,000 Membership Rewards points after spending $2,000 in the first 3 months

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 per $1 spent on travel and at restaurants, and 1 point per $1 spent on all other transactions. There’s no limit to how many points you can earn, and points never expire as long as your account is in good standing.

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 $100 in statement credits when you pay for your CLEAR membership, which can help you breeze through airport security. Terms apply.

Credit Needed: Good - Excellent

Special Offer

Earn $150 cash back after spending $1,000 in the first 3 months

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 on up to $6,000 spent per year, 2% at U.S. gas stations and select department stores, and 1% cash back on all other purchases. There’s also an easy-to-earn welcome bonus, a nice perk for a card that has no annual fee.

But one of the card’s best perks is its introductory APR. You’ll get 0% APR on new purchases for 15 months, giving you over a year before you have to worry about paying interest charges. Terms apply.

Credit Needed: Good - Excellent

Special Offer

Earn a $150 statement credit after you spend $1,000 in the first 3 months

Why We Like It

The American Express Cash Magnet Card is an attractive cash back card that offers 1.5% unlimited cash back on all purchases with no annual fee.

Cash back is received in the form of Reward Dollars that can easily be  redeemed for statement credits.

Cardholders can also take advantage of 0% introductory APR on purchases for 15 months. Terms apply.

Credit Needed: Good - Excellent

Special Offer

Earn 40,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after spending $3,000 in the first 3 months

Why We Like It

The Delta Reserve Credit Card from American Express 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 on Delta flights, first checked bag free on Delta flights, and access to Delta Sky Club Lounges and Centurion Lounges. 

Earn 3X Miles per dollar spent directly on purchases with Delta, and 1X Mile per dollar spent on every eligible purchase. Terms apply.

Credit Needed: Good - Excellent

Special Offer

Earn 10,000 bonus miles after spending $500 in the first 3 months

Why We Like It

The Blue Delta SkyMiles Credit Card from American Express is an excellent choice for Delta travelers who enjoy dining out.

Cardholders will enjoy in-flight savings, purchase protection, and no annual fee.

Earn 2X miles on eligible purchases made directly with Delta and at restaurants worldwide, and 1X miles on all other eligible purchases. Terms apply.

Credit Needed: Good - Excellent

Special Offer

Earn 60,000 bonus miles and 5,000 MQMs after spending $3,000 in the first 3 months (offer ends 10/28)

Why We Like It

The Platinum Delta SkyMiles Credit Card from American Express is a premier travel rewards card offering exclusive benefits for Delta Air Lines travelers. 

Cardmembers enjoy benefits such as Main Cabin 1 Priority Boarding, first checked bag free, and 20% in-flight savings. 

Earn 3X miles on purchases made directly with hotels and Delta purchases, 2X miles at restaurants and U.S. supermarkets, and 1X miles on other purchases. Terms apply.

Credit Needed: Good - Excellent

Special Offer

Earn 50,000 bonus miles after you spend $2,000 on purchases in the first 3 months (offer ends 10/28)

Why We Like It

The Gold Delta SkyMiles Credit Card from American Express 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 purchases made directly with Delta, at restaurants, and at U.S supermarkets, and 1 mile per $1 spent on all other eligible purchases. Terms apply.

Credit Needed: Good - Excellent

Marriott Bonvoy Brilliant American Express Card

Marriott Bonvoy Brilliant American Express Card

Special Offer

Earn 75,000 Bonus Marriott Bonvoy points when you spend $3,000 within the first 3 months

Why We Like It

The Marriott Bonvoy Brilliant American Express Card is an excellent choice for travelers who prefer staying on Marriot Bonvoy properties. 

Cardholders will enjoy complimentary Gold Elite status and receive a credit for Global Entry or TSA PreCheck fees.

Earn 6X points on eligible purchases at participating Marriot Bonvoy hotels, 3X points at U.S. restaurants and on flights booked directly with airlines, and 2X points on all other eligible purchases. Terms apply.

Credit Needed: Good - Excellent

Special Offer

Earn 150,000 Hilton Honors Bonus Points after spending $4,000 in the first 3 months

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 weekend night rewards, complimentary Diamond status, and up to $250 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/rental car companies or amextravel.com, 7X points at restaurants, and 3X points on all other purchases. Terms apply.

Credit Needed: Good - Excellent

Special Offer

Earn 125,000 Hilton Honors Bonus Points after spending $2,000 on purchases in the first 3 months

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 per $1 spent. You’ll also earn 6X points per $1 spent at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, and 3X points per $1 spent on all other purchases. Terms apply.

Credit Needed: Good - Excellent

Special Offer

Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in the first 3 months

Why We Like It

The Hilton Honors Card from American Express is an advantageous travel credit card for travelers who prefer staying at Hilton properties.

Cardmembers receive complimentary Silver status, baggage insurance, and use of Roadside Assistance and Global Assist hotlines.

Earn 7X Hilton Honors Bonus Points per $1 spent on participating hotels in the Hilton Honors portfolio, 5X points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, and 3X points on other purchases. Terms apply.

Credit Needed: Good - Excellent

Latest Amex business card offers

Special Offer

Earn 75,000 Membership Rewards points after you spend $15,000 on purchases within the first 3 months

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.

It has a lucrative welcome bonus for new cardmembers and generous rewards. You’ll earn 5X points per $1 spent on travel booked through Amextravel.com. On all other spending, you’ll get 1 point per $1 spent. However, on large purchases — $5,000 or more — you receive 1.5X points per $1 spent, up to one million extra points per year.

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. Terms apply.

Credit Needed: Good - Excellent

Special Offer

Earn 35,000 Membership Rewards points after spending $5,000 in the first 3 months

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, you can earn valuable rewards on some of your most common business expenses. You’ll earn 4X points per $1 spent on two categories where your business spends the most money.

If you travel often for work, this card is an excellent addition to your wallet. When you book your flight with American Express Travel with your Membership Rewards Points, you’ll get 25% of those points back. Terms apply.

Credit Needed: Good - Excellent

Special Offer

1.5% early pay discount

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 travel benefits like the Baggage Insurance Plan, Global Assist Hotline, and no foreign transaction fees. 

Get 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 due by your payment due date.

Credit Needed: Good - Excellent

Business Green Rewards Card from American Express

Business Green Rewards Card from American Express

Special Offer

Earn 15,000 Membership Rewards points after you spend $3,000 within your first 3 months

Why We Like It

The American Express Business Green Rewards card is a great option for business owners who want to earn Amex Membership Rewards points on their purchases.

With this card, you can earn 15,000 Membership Rewards points after spending $3,000 within the first three months of card opening. You also get valuable travel protections like rental car and baggage insurance, 2X Membership Rewards points per dollar on eligible purchases at Amextravel.com, and free employee cards. Terms apply.

Credit Needed: Excellent

Special Offer

Earn up to $300 in statement credits ($100 at each of the following: Dell Technologies, DocuSign, and FedEx) after making an eligible purchase in first 3 months

Why We Like It

For business owners who want to earn rewards without worrying about expensive fees, the Blue Business Cash Card from American Express is a great option. It has no annual fee, and it 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 every purchase you make, on up to $50,000 spent per year. After that, you’ll earn a flat 1% cash back on every purchase.

The card also has a competitive 0% introductory APR on new purchases. You’ll pay 0% APR for 12 months, giving you a year to pay down your balance or finance a major purchase without paying interest charges. Terms apply.

Credit Needed: Good - Excellent

Special Offer

Earn up to $300 in statement credits ($100 at each of the following: Dell Technologies, DocuSign, and FedEx) after making an eligible purchase in first 3 months

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 business purchases up to $50,000 each year, and 1X points on purchases thereafter. Terms apply.

Credit Needed: Good - Excellent

Special Offer

Earn 75,000 Marriott Bonvoy bonus points when you spend $3,000 on purchases within the first 3 months

Why We Like It

The Marriott Bonvoy Business American Express Card offers generous rewards for travelers who enjoy staying at Marriott Bonvoy properties.

Cardholders receive complimentary Marriott Bonvoy Silver Elite status and earn 1 Free Night Award annually after Card account anniversary. 

Earn 6X points at over 6,900 participating Marriott Bonvoy hotels, 4X points on U.S. restaurants, 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. Terms apply.

Credit Needed: Good - Excellent

Special Offer

Earn 130,000 Hilton Honors Bonus Points after spending $3,000 in the first 3 months

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, free weekend night rewards each year, and more.

Earn 12X Hilton Honors Bonus Points per dollar spent directly with an eligible hotel or resorts in the Hilton Honors portfolio of brands, 6X points on select business and travel purchases, and 3X points on all other eligible purchases. Terms apply.

Credit Needed: Good - Excellent

Special Offer

Earn 45,000 miles (and 10,000 Medallion Qualification Miles) after you spend $4,000 in the first three months

Why We Like It

The Delta Reserve for Business Credit Card is great for business owners and those who travel for work frequently.

Cardholders will benefit from complimentary Delta Sky Club and Centurion Lounge access, as well as additional employee cards.

Earn 3X miles on eligible purchases made directly with Delta, 1.5X miles on purchases after spending $150,000 in a calendar year, and 1X miles on all other purchases. Terms apply.

Credit Needed: Good - Excellent

Special Offer

Earn 70,000 bonus miles and 5,000 MQMs after you spend $4,000 on purchases within the first 3 months (offer ends 10/28)

Why We Like It

The Platinum Delta SkyMiles Business Credit Card from American Express 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 3X miles per dollar spent directly on purchases with Delta and on eligible hotel purchases, and 1X mile per dollar spent on all other eligible purchases. You can also earn 1.5X miles per dollar on eligible purchases of $5,000 or more (capped at 50,000 miles per calendar year). Terms apply.

Credit Needed: Good - Excellent

Special Offer

Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months (Offer ends 10/28)

Why We Like It

The Gold Delta SkyMiles Business Credit Card from American Express 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 directly on purchases with Delta, at restaurants worldwide, on U.S. shipping, and on select U.S. advertising, and 1X mile per $1 spent on eligible purchases. Terms apply.

Credit Needed: Good - Excellent

Lowe's Business Rewards Card from American Express

Lowe's Business Rewards Card from American Express

Special Offer

Earn a $100 statement credit upon card approval

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.


This card offers a generous $100 statement credit upon approval, plus a 5% discount at Lowe's stores and Lowes.com. If you're interested in earning additional rewards, this card does not disappoint. In addition to the benefits above, you also earn 3X points for every $1 spent at U.S. restaurants, U.S. office supply stores, and U.S. wireless telephone service providers; 2X points at Lowe's stores and Lowes.com; and 1X points on all other eligible purchases. Terms apply.

Credit Needed: Good - Excellent

Amazon Business American Express Card

Amazon Business American Express Card

Special Offer

Earn a $100 Amazon gift card upon appoval

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 or no interest for 60 days on U.S. Amazon Business, AWS, Amazon.com, and Whole Foods purchases; 2% back at U.S. restaurants, U.S. gas stations, and purchases with U.S. wireless providers; and 1% back on all other purchases.

With the Amazon Business American Express Card, you also get a $100 Amazon gift card upon approval. This card also has no annual fee.

Credit Needed: Excellent

Amazon Business Prime American Express Card

Amazon Business Prime American Express Card

Special Offer

Earn a $125 Amazon gift card upon approval

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 Amazon Business Prime American Express Card, you can earn Amazon Rewards points. Cardholders get 5%  back or no interest for 90 days on U.S. Amazon Business, AWS, Amazon.com, and Whole Foods purchases; 2% back at U.S. restaurants, U.S. gas stations, and purchases with U.S. wireless providers; and 1% back on all other purchases.

The Amazon Business Prime American Express Card also provides an immediate reward: You get a $125 gift card upon approval for this card.

Credit Needed: Excellent

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 2018, Amex had a net income of $6.9 billion, and in 2019, it employed more than 64,000 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 114 million cards issued in 2018, 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 a card 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, it’s easy to find one to suit your needs.

American Express cashback cards

Cashback credit cards offer rewards in the form of cash back for every purchase made with the card. With American Express, you’ll receive 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 or filling up your car at the gas station, you can pay for those purchases with a cashback card and earn valuable cash back in the process.

Some cashback cards may offer increased earning in bonus categories; others offer a flat, unlimited rate on all purchases.

Amex offers these cashback cards:

American Express travel cards

Amex travel cards are specifically designed with the traveler in mind, no matter how frequent you’re on the go. These cards earn valuable Amex 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 partners or pay with them at checkout at many different merchants, such as Amazon, Walmart, 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.

Amex offers these travel cards:

No annual fee Amex cards

If you want to avoid an 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 bonus rewards in certain spending categories.

Some of these no annual fee Amex cards also come with 0% intro APR offers. So if you’re looking to avoid accruing interest on purchases or balance transfers during an introductory period, you might consider one of these cards that comes with that offer.

Amex offers these no annual fee cards:

Co-branded airline cards

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, and more.

Amex offers these co-branded airline cards:

Co-branded hotel cards

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 for co-branded hotel cards is receiving a complimentary status in the hotel’s loyalty program just for having the card.

Amex offers these co-branded hotel cards:

American Express business cards

Along with personal card offerings, Amex also offers high-value business credit cards. Business cards are specifically designed to be used by 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.

Amex offers these business cards:

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. To compare, in late 2018, there were more than 3.3 billion Visa cards in use around the world and just 114 million Amex cards in use. As such, 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 much 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 payments 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 biggest credit card issuers in the U.S., with more than $700 billion in purchases for each company in 2018.

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 credit card, 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 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, 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 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
  • Blue from American Express
  • The Amex EveryDay Credit Card
  • Hilton Honors American Express Card
  • Delta SkyMiles Blue American Express Card
  • Blue Business Cash Card from American Express
  • 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.

Which Amex cards have no foreign transaction fee?

These are the American Express credit cards with no foreign transaction fees:

  • The Platinum Card from American Express
  • American Express Gold Card
  • American Express Green Card
  • Delta SkyMiles Reserve American Express Card
  • Delta SkyMiles Platinum American Express Card
  • Delta SkyMiles Gold American Express Card
  • Delta SkyMiles Blue American Express Card
  • Marriott Bonvoy Brilliant American Express Card
  • Hilton Honors American Express Aspire Card
  • Hilton Honors Surpass Card from American Express
  • Hilton Honors American Express Card
  • Business Platinum Card from American Express
  • American Express Business Gold Card
  • Plum Card from American Express
  • Marriott Bonvoy Business American Express Card
  • Hilton Honors American Express Business Card
  • 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, Walmart, 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.

Where is American Express accepted?

American Express credit cards are accepted at almost every merchant in the U.S. that accepts credit cards. They are also accepted at many merchants worldwide.

Where is the security code on American Express cards?

You can find the four-digit security code on the front side of the credit card, usually above and to the right of the account number.

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

If you’re interested in applying for a new Amex card, there are several options available. Each of these credit cards could be the perfect fit in certain situations, so it depends what you need the card for.

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.

Check Out the NEW Green Card

Benefits

  • 45,000 point welcome offer
  • 3X points on eligible travel and at restaurants worldwide
  • Up to $100 credit for CLEAR
  • Up to $100 LoungeBuddy credit
  • Terms apply