American Express Credit Cards: Latest Offers [March 2023]

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 March 23, 2023 | By Ben Walker, CEPF

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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 cashback 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.

In this article

Latest Amex personal card offers

Current Offer

Earn 80,000 Membership Rewards points after spending $6,000 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 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 1,200 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. (Select benefits require enrollment.)®

Card Details
  • Earn 80,000 Membership Rewards points after spending $6,000 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
  • Terms apply

Current Offer

Earn 60,000 Membership Rewards points after you make $4,000 in 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 make $4,000 in 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
  • Terms apply

American Express® Green Card

American Express® Green Card

American Express® Green Card

Current Offer

Earn 45,000 Membership Rewards points after spending $2,000 in the first 6 months

Annual Fee

$150

Rewards Rate

3X points on eligible travel and transit purchases, and at 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 restaurants worldwide, including takeout and delivery in the U.S.; and 1X points on all other eligible purchases. 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 $189 in statement credits when you pay for your CLEAR membership, which can help you breeze through airport security.

Card Details
  • Earn 45,000 Membership Rewards points after spending $2,000 in the first 6 months
  • 3X points on eligible travel and transit purchases, and at restaurants worldwide, including takeout and delivery in the U.S.; and 1X points on all other eligible purchases
  • Terms apply

Current Offer

Earn a $250 statement credit after spending $3,000 on purchases in the first 6 months

Annual Fee

$95 (waived first year)

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 statement credits.

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 18.74% - 29.74% (variable)
  • Intro balance transfer 0% APR offer: 0% for 12 months then 18.74% - 29.74% (variable)
  • Terms apply

Current Offer

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 statement credits. There’s also a welcome bonus, a nice perk for a card that has no annual fee.

The Blue Cash Everyday card is also good for large purchases with a 0% intro APR on purchases for 15 months, then 18.74% to 29.74% (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 18.74% to 29.74% (variable)
  • Intro balance transfer 0% APR offer: 0% for 15 months then 18.74% to 29.74% (variable)
  • Terms apply

American Express Cash Magnet® Card

American Express Cash Magnet® Card

American Express Cash Magnet® Card

Current Offer

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 18.74% to 29.74% (variable)
  • Intro balance transfer 0% APR offer: 0% for 15 months on balances transferred within 60 days from account opening then 18.74% to 29.74% (variable)
  • Terms apply

Current Offer

Earn 90,000 bonus miles after spending $6,000 in the first 6 months (limited time offer ends 3/29/23)

Annual Fee

$550

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 90,000 bonus miles after spending $6,000 in the first 6 months (limited time offer ends 3/29/23)
  • 3X miles per dollar spent on purchases made directly with Delta and 1X miles for all other eligible purchases
  • Terms apply

Current Offer

Earn 90,000 bonus miles after spending $4,000 in the first 6 months (limited time offer ends 3/29/23)

Annual Fee

$250

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 90,000 bonus miles after spending $4,000 in the first 6 months (limited time offer ends 3/29/23)
  • 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
  • Terms apply

Current Offer

Earn 70,000 bonus miles after spending $2,000 in the first 6 months (limited time offer ends 3/29/23)

Annual Fee

$99 (waived first year)

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 1 mile 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 1 mile per $1 spent on all other eligible purchases.

Card Details
  • Earn 70,000 bonus miles after spending $2,000 in the first 6 months (limited time offer ends 3/29/23)
  • 2X miles on qualifying Delta purchases, at restaurants worldwide, plus takeout and delivery in the U.S., and at U.S supermarkets; and 1 mile per $1 spent on all other eligible purchases
  • Terms apply

Current Offer

Earn 10,000 bonus miles after spending $1,000 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 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
  • Terms apply

Current Offer

Earn 95,000 Marriott Bonvoy bonus points after spending $5,000 on purchases in the first three 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 95,000 Marriott Bonvoy bonus points after spending $5,000 on purchases in the first three 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
  • Terms apply

Current Offer

Earn 85,000 Marriott Bonvoy bonus points after spending $4,000 in purchases in the first 3 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 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 85,000 Marriott Bonvoy bonus points after spending $4,000 in purchases in the first 3 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
  • Terms apply

Hilton Honors American Express Aspire Card

Hilton Honors American Express Aspire Card

Hilton Honors American Express Aspire Card

Current Offer

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

Annual Fee

$450

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 $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/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 $4,000 in the first 3 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
  • Terms apply

Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card

Current Offer

Earn 130,000 Hilton Honors Bonus Points after spending $2,000 on purchases in the first 3 months

Annual Fee

$95

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; 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; and 3X points on all other eligible purchases.

Card Details
  • Earn 130,000 Hilton Honors Bonus Points after spending $2,000 on purchases in the first 3 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; and 3X points on all other eligible purchases
  • Terms apply

Current Offer

Earn 100,000 Hilton Honors Bonus Points after spending $2,000 in the first 6 months (limited time offer ends 04/05/2023)

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 100,000 Hilton Honors Bonus Points after spending $2,000 in the first 6 months (limited time offer ends 04/05/2023)
  • 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
  • Terms apply


Latest Amex business card offers

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express

Current Offer

Earn 120,000 Membership Rewards points after spending $15,000 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 get 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 receive 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.

Card Details
  • Earn 120,000 Membership Rewards points after spending $15,000 on eligible purchases in the first 3 months
  • 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
  • Terms apply

Current Offer

Earn 70,000 Membership Rewards points after spending $10,000 in the first 3 months

Annual Fee

$295

Rewards Rate

4X Membership Rewards points for the first $150,000 spent in two select categories each year (after that 1X), 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 two select 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. When you book your flight with American Express Travel with your Membership Rewards Points, you’ll get 25% of those points back, up to 250,000 points per year.

Card Details
  • Earn 70,000 Membership Rewards points after spending $10,000 in the first 3 months
  • 4X Membership Rewards points for the first $150,000 spent in two select categories each year (after that 1X), and 1 point per $1 spent on other eligible purchases
  • Terms apply

Current Offer

No preset spending limit

Annual Fee

$250

Rewards Rate

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
  • No preset spending limit
  • 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
  • Terms apply

Business Green Rewards Card from American Express

Business Green Rewards Card from American Express

Business Green Rewards Card from American Express

Current Offer

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
  • Terms apply

Current Offer

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 spending $3,000 on purchases in the first 3 months
  • 2% cash back on the first $50,000 in eligible purchases each year, then 1% after that
  • Intro purchase 0% APR offer: 0% for 12 months then 17.99% - 25.99% (variable)
  • Terms apply

Current Offer

Earn 15,000 Membership Rewards points after spending $3,000 on purchases in the first 3 months

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 spending $3,000 on purchases in the first 3 months
  • 2X Membership Rewards points on everyday eligible business purchases up to $50,000 each year, and 1X points on eligible purchases after that
  • Intro purchase 0% APR offer: 0% for 12 months then 17.99% - 25.99% (variable)
  • Terms apply

Current Offer

Earn 125,000 Marriott Bonvoy bonus points after spending $5,000 on purchases within the first 3 months (limited time offer ends 5/3/23)

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
  • Earn 125,000 Marriott Bonvoy bonus points after spending $5,000 on purchases within the first 3 months (limited time offer ends 5/3/23)
  • 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
  • Terms apply

Current Offer

Earn 165,000 Hilton Honors Bonus Points after spending $5,000 in the first 3 months (limited time offer ends 4/5/23)

Annual Fee

$95

Rewards Rate

12X Hilton Honors Bonus Points on direct purchases with Hilton; 6X at U.S. gas stations, cell phone services from U.S. providers, U.S. shipping purchases, U.S. restaurants, flights booked directly with airlines or Amex Travel, and select car rentals; and 3X on all other eligible purchases

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 direct purchases with Hilton; 6X at U.S. gas stations, cell phone services from U.S. providers, U.S. shipping purchases, U.S. restaurants, flights booked directly with airlines or Amex Travel, and select car rentals; and 3X on all other eligible purchases.

Card Details
  • Earn 165,000 Hilton Honors Bonus Points after spending $5,000 in the first 3 months (limited time offer ends 4/5/23)
  • 12X Hilton Honors Bonus Points on direct purchases with Hilton; 6X at U.S. gas stations, cell phone services from U.S. providers, U.S. shipping purchases, U.S. restaurants, flights booked directly with airlines or Amex Travel, and select car rentals; and 3X on all other eligible purchases
  • Terms apply

Current Offer

Earn 100,000 bonus miles after spending $6,000 in the first 3 months (limited time offer ends 3/29/23)

Annual Fee

$550

Rewards Rate

3X miles for eligible purchases made directly with Delta; 1.5X miles per dollar after spending $150,000 in a calendar year; and 1X miles on all other eligible purchases

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 per dollar after spending $150,000 in a calendar year; and 1X miles on all other eligible purchases.

Card Details
  • Earn 100,000 bonus miles after spending $6,000 in the first 3 months (limited time offer ends 3/29/23)
  • 3X miles for eligible purchases made directly with Delta; 1.5X miles per dollar after spending $150,000 in a calendar year; and 1X miles on all other eligible purchases
  • Terms apply

Current Offer

Earn 95,000 bonus miles after spending $4,000 in the first 3 months (limited time offer ends 3/29/23)

Annual Fee

$250

Rewards Rate

3X miles per $1 spent on purchases made directly with Delta and on eligible hotel purchases; 1.5X miles per $1 spent on eligible purchases of $5,000 or more (capped at 50,000 miles per calendar year); 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 3X miles per $1 spent on purchases made directly with Delta and on eligible hotel purchases; 1.5X miles per $1 spent on eligible purchases of $5,000 or more (capped at 50,000 miles per calendar year); and 1X mile per $1 spent on other eligible purchases.

Card Details
  • Earn 95,000 bonus miles after spending $4,000 in the first 3 months (limited time offer ends 3/29/23)
  • 3X miles per $1 spent on purchases made directly with Delta and on eligible hotel purchases; 1.5X miles per $1 spent on eligible purchases of $5,000 or more (capped at 50,000 miles per calendar year); and 1X mile per $1 spent on other eligible purchases
  • Terms apply

Current Offer

Earn 75,000 bonus miles after spending $3,000 in the first 3 months (limited time offer ends 3/29/23)

Annual Fee

$99 (waived first year)

Rewards Rate

2X miles per $1 spent on purchases at Delta, restaurants, eligible U.S. shipping, and eligible advertising in select media; 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 on purchases at Delta, restaurants, eligible U.S. shipping, and eligible advertising in select media; 1X miles per $1 on all other eligible purchases.

Card Details
  • Earn 75,000 bonus miles after spending $3,000 in the first 3 months (limited time offer ends 3/29/23)
  • 2X miles per $1 spent on purchases at Delta, restaurants, eligible U.S. shipping, and eligible advertising in select media; 1X miles per $1 on all other eligible purchases
  • Terms apply

Lowe's Business Rewards Card from American Express

Lowe's Business Rewards Card from American Express

Lowe's Business Rewards Card from American Express

Current Offer

Earn $100 cash back (in the form of a statement credit) upon card approval, plus 5% back on eligible Lowe's purchases during your first 6 months

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 $100 cash back (in the form of a statement credit) upon card approval, plus 5% back on eligible Lowe's purchases during your first 6 months. 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 $100 cash back (in the form of a statement credit) upon card approval, plus 5% back on eligible Lowe's purchases during your first 6 months
  • 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
  • Terms apply

Current Offer

Earn a $100 Amazon gift card upon approval

Annual Fee

$0

Rewards Rate

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
  • Terms apply

Current Offer

Earn a $125 Amazon gift card upon approval

Annual Fee

$0

Rewards Rate

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
  • Terms apply


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 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, 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 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 cashback card and earn valuable money back in the form of statement credits 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. (Enrollment is required for select benefits.)

Amex offers these travel cards:

No annual fee Amex cards

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 bonus rewards in certain spending categories.

Some of these no annual fee Amex cards also come with 0% intro APR offers that last for a certain amount 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.

Amex offers these no-annual-fee cards:

Check out our list of the best no annual fee credit cards for even more options.

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 some of the best 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. 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
  • 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.

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
  • Marriott Bonvoy Bevy™ American Express® Card
  • Hilton Honors American Express Aspire Card
  • Hilton Honors American Express Surpass® Card
  • Hilton Honors American Express Card
  • The Business Platinum Card® from American Express
  • American Express® Business Gold Card
  • The Plum Card® from American Express
  • Marriott Bonvoy Business® American Express® Card
  • The 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.

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

American Express® Green Card

American Express® Green Card

Current Offer

Earn 45,000 Membership Rewards points after spending $2,000 in the first 6 months

Annual Fee

$150

Rewards Rate

3X points on eligible travel and transit purchases, and at restaurants worldwide, including takeout and delivery in the U.S.; and 1X points on all other eligible purchases

Benefits and Drawbacks

Benefits

  • Earn 45,000 Membership Rewards points after spending $2,000 in the first 6 months
  • 3X points at eligible travel and transit purchases, and at restaurants worldwide, including takeout and delivery in the U.S.
  • Up to $189 statement credit for CLEAR
  • Up to $100 LoungeBuddy credit
  • $150 annual fee. Terms apply.

Drawbacks

  • Limited lounge access
  • No balance transfers
Card Details
  • Earn 45,000 Membership Rewards points after spending $2,000 in the first 6 months
  • 3X points on eligible travel and transit purchases, and at restaurants worldwide, including takeout and delivery in the U.S.; and 1X points on all other eligible purchases
  • Terms apply

Author Details

Ben Walker, CEPF Ben Walker, CEPF, is a credit cards and travel writer at FinanceBuzz who loves helping others achieve their travel goals through financially sound decisions. For over a decade, he has been using credit card points and miles for the sole purpose of traveling the world. Ben is a Certified Educator of Personal Finance and has been featured in The Washington Post, MSN, Debt.com, and Finder.com.