Which is the best American Express credit card for you in 2021?

Choosing the best credit card for your needs is a tricky proposition, especially with so many great options from multiple issuers. Some of the best cards on the market are offered by American Express and its partners. Amex has a card available for pretty much anyone, including credit card beginners, casual travelers, road warriors and business travelers. With so many great cards to choose from offering a range of earning categories and benefits, how do you chose the right Amex card for you? We’ve pulled together the top 16 card offerings from our partner American Express — let’s see how they stack up against each other.

The Platinum Card® from American Express
Terms & restrictions apply. See rates & fees

TPG Editor's Rating
tooltip

4.5/5
Apply now
at American Express's secure site
at American Express's secure site
Terms & restrictions apply. See rates & fees.

Rewards

5 - 10
more info

Intro Bonus

75,000 points
details

Annual Fee

$550

Recommended Credit

670-850
Excellent/Good
more info
Why we chose it

The Amex Platinum is unmatched when it comes to travel perks and benefits. If lounge access, hotel elite status and annual statement credits are important to you, this card is well worth the high annual fee.

Pros

  • The current welcome bonus on this card is quite lucrative. TPG values it at $1,500, not including any points you may earn from the temporary 10x bonus categories.
  • This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, and at least up to $500 in assorted annual statement credits and so much more.
  • The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.

Cons

  • The $550 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost.
  • Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
  • The annual airline fee credit can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards.
  • Earn 75,000 Membership Rewards® Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.
  • Earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s an additional 9 points on top of the 1 point you earn for these purchases.
  • Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member and Additional Centurion Cards only.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
  • 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • Enjoy complimentary access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits through American Express Travel with an average total value of $550 with Fine Hotels & Resorts® program at over 1,100 properties. Learn More.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
Best for high-end benefits

The Platinum Card® from American Express

TPG Editor's Rating

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4.5/5

Rewards Rate

  • 10X Earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s an additional 9 points on top of the 1 point you earn for these purchases.
  • 5X Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
  • 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

Intro Bonus
tooltip

75,000 points

Annual Fee

$550

Recommended Credit
tooltip

670-850
Excellent/Good
Why we chose it

The Amex Platinum is unmatched when it comes to travel perks and benefits. If lounge access, hotel elite status and annual statement credits are important to you, this card is well worth the high annual fee.

Pros

  • The current welcome bonus on this card is quite lucrative. TPG values it at $1,500, not including any points you may earn from the temporary 10x bonus categories.
  • This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, and at least up to $500 in assorted annual statement credits and so much more.
  • The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.

Cons

  • The $550 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost.
  • Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
  • The annual airline fee credit can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards.
  • Earn 75,000 Membership Rewards® Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.
  • Earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s an additional 9 points on top of the 1 point you earn for these purchases.
  • Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member and Additional Centurion Cards only.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
  • 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • Enjoy complimentary access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits through American Express Travel with an average total value of $550 with Fine Hotels & Resorts® program at over 1,100 properties. Learn More.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
Best for frequent business travelers

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express
Terms & restrictions apply. See rates & fees

TPG Editor's Rating
tooltip

4/5
Apply now
at American Express's secure site
at American Express's secure site
Terms & restrictions apply. See rates & fees.

Rewards

1.5 - 5points
more info

Intro Bonus

125,000 points
details

Annual Fee

$595

Recommended Credit

670-850
Good, Excellent
more info
Why we chose it

The Business Platinum Card from American Express is a great card for frequent travelers looking to add a touch of luxury to their business trips. While the card does come with a high annual fee, you’re also getting a ton of valuable benefits in return. They include generous annual travel credits, unparalleled lounge access that includes Amex Centurion Lounges and more.

Pros

  • Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years.
  • Up to $200 annual credit for U.S. Dell purchases; Gold status in the Marriott and Hilton loyalty programs.
  • Access to the Fine Hotels & Resorts program and Hotel Collection.
  • Extended warranty protection.
  • International Airline Program; and Cruise Privileges Program.

Cons

  • Steep annual fee.
  • Can be difficult to meet the $15,000 minimum spend for smaller businesses.
  • Limited high bonus categories outside of travel.
  • The Points Guy Exclusive Offer: Earn 125,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership.
  • Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more.
  • Terms Apply.
  • See Rates & Fees
Best for frequent business travelers

The Business Platinum Card® from American Express

TPG Editor's Rating

tooltip
4/5

Rewards Rate

  • 5X Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • 1.5X Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.

Intro Bonus
tooltip

125,000 points

Annual Fee

$595

Recommended Credit
tooltip

670-850
Good, Excellent
Why we chose it

The Business Platinum Card from American Express is a great card for frequent travelers looking to add a touch of luxury to their business trips. While the card does come with a high annual fee, you’re also getting a ton of valuable benefits in return. They include generous annual travel credits, unparalleled lounge access that includes Amex Centurion Lounges and more.

Pros

  • Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years.
  • Up to $200 annual credit for U.S. Dell purchases; Gold status in the Marriott and Hilton loyalty programs.
  • Access to the Fine Hotels & Resorts program and Hotel Collection.
  • Extended warranty protection.
  • International Airline Program; and Cruise Privileges Program.

Cons

  • Steep annual fee.
  • Can be difficult to meet the $15,000 minimum spend for smaller businesses.
  • Limited high bonus categories outside of travel.
  • The Points Guy Exclusive Offer: Earn 125,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership.
  • Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more.
  • Terms Apply.
  • See Rates & Fees
Best for flexible earning on business expenses

American Express® Business Gold Card

American Express® Business Gold Card
Terms & restrictions apply. See rates & fees

TPG Editor's Rating
tooltip

3.5/5
Apply now
at American Express's secure site
at American Express's secure site
Terms & restrictions apply. See rates & fees.

Rewards

1 - 4X points
more info

Intro Bonus

70,000 points
details

Annual Fee

$295

Recommended Credit

670-850
Excellent/Good
more info
Why we chose it

The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4x points in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all.

Pros

  • You'll earn 4x Membership Rewards points in the top 2 spending categories each month (on the first $150,000 in combined purchases each calendar year; then 1x).
  • Pay for eligible flights booked with Amex Travel with points and get 25% of them back (up to 250,000 points back per calendar year)

Cons

  • Hefty $295 annual fee.
  • No monthly or annual credits such as on the Amex Buiness Platinum or consumer Amex Gold.
  • There may be better options for small businesses who don't spend a lot.
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • Pay Over Time Option: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.*
  • *Terms Apply
  • See Rates & Fees
Best for flexible earning on business expenses

American Express® Business Gold Card

TPG Editor's Rating

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3.5/5

Rewards Rate

  • 4X Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
  • 1X Is earned for other purchases. **

Intro Bonus
tooltip

70,000 points

Annual Fee

$295

Recommended Credit
tooltip

670-850
Excellent/Good
Why we chose it

The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4x points in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all.

Pros

  • You'll earn 4x Membership Rewards points in the top 2 spending categories each month (on the first $150,000 in combined purchases each calendar year; then 1x).
  • Pay for eligible flights booked with Amex Travel with points and get 25% of them back (up to 250,000 points back per calendar year)

Cons

  • Hefty $295 annual fee.
  • No monthly or annual credits such as on the Amex Buiness Platinum or consumer Amex Gold.
  • There may be better options for small businesses who don't spend a lot.
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • Pay Over Time Option: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.*
  • *Terms Apply
  • See Rates & Fees
Best for U.S. supermarkets and restaurants worldwide

American Express® Gold Card

American Express® Gold Card
Terms & restrictions apply. See rates & fees

TPG Editor's Rating
tooltip

4/5
Apply now
at American Express's secure site
at American Express's secure site
Terms & restrictions apply. See rates & fees.

Rewards

3 - 4points
more info

Intro Bonus

60,000 points
details

Annual Fee

$250

Recommended Credit

670-850
Excellent/Good
more info
Why we chose it

This isn’t just a card that’s nice to look at. It packs a real punch, offering 4x points at restaurants worldwide and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x). There’s also an up to $120 annual dining credit at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations, plus it added an up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. The card must be added to your Uber accoutn to receive this benefit. All this make it a very strong contender for all food purchases, which has become a popular spending category.

Pros

  • 4x on dining at restaurants worldwide and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x).
  • 3x points on flights booked directly with the airline or with Amex Travel.
  • Welcome bonus of 60,000 points after spending $4,000 in the first six months.

Cons

  • Weak on travel and everyday spending bonus categories.
  • Not as effective for those living outside the U.S.
  • Some may have trouble using Uber/food credits; few travel perks and protections.
  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too.
  • Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • $120 Uber Cash: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
Best for U.S. supermarkets and restaurants worldwide

American Express® Gold Card

TPG Editor's Rating

tooltip
4/5

Rewards Rate

  • 4X Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too.
  • 4X Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • 3X Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

Intro Bonus
tooltip

60,000 points

Annual Fee

$250

Recommended Credit
tooltip

670-850
Excellent/Good
Why we chose it

This isn’t just a card that’s nice to look at. It packs a real punch, offering 4x points at restaurants worldwide and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x). There’s also an up to $120 annual dining credit at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations, plus it added an up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. The card must be added to your Uber accoutn to receive this benefit. All this make it a very strong contender for all food purchases, which has become a popular spending category.

Pros

  • 4x on dining at restaurants worldwide and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x).
  • 3x points on flights booked directly with the airline or with Amex Travel.
  • Welcome bonus of 60,000 points after spending $4,000 in the first six months.

Cons

  • Weak on travel and everyday spending bonus categories.
  • Not as effective for those living outside the U.S.
  • Some may have trouble using Uber/food credits; few travel perks and protections.
  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too.
  • Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • $120 Uber Cash: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
Blue Cash Preferred® Card from American Express
Terms & restrictions apply. See rates & fees

TPG Editor's Rating
tooltip

4/5
Apply now
at American Express's secure site
at American Express's secure site
Terms & restrictions apply. See rates & fees.

Rewards

1 - 6% cash-back
more info

Intro Bonus

$300
details

Annual Fee

$0 introductory annual fee for one year, then $95.

Recommended Credit

670-850
Excellent, Good
more info
Why we chose it

The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee that’s waived the first year.

Pros

  • This card has one of the best earning structures out for among cash-back credit cards.
  • You’ll only pay a $95 annual fee, and it’s waived in the first year.
  • The card comes with access to Amex Offers, which can save you even more money on specific purchases.

Cons

  • There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
  • You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 introductory annual fee for one year, then $95.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
  • See Rates & Fees
Best for maximizing cash back

Blue Cash Preferred® Card from American Express

TPG Editor's Rating

tooltip
4/5

Rewards Rate

  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
  • 6% Cash Back on select U.S. streaming subscriptions
  • 3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
  • 3% Cash Back at U.S. gas stations
  • 1% Cash Back on other purchases

Intro Bonus
tooltip

$300

Annual Fee

$0 introductory annual fee for one year, then $95.

Recommended Credit
tooltip

670-850
Excellent, Good
Why we chose it

The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee that’s waived the first year.

Pros

  • This card has one of the best earning structures out for among cash-back credit cards.
  • You’ll only pay a $95 annual fee, and it’s waived in the first year.
  • The card comes with access to Amex Offers, which can save you even more money on specific purchases.

Cons

  • There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
  • You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 introductory annual fee for one year, then $95.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
  • See Rates & Fees
Blue Cash Everyday® Card from American Express
Terms & restrictions apply. See rates & fees

TPG Editor's Rating
tooltip

3/5
Apply now
at American Express's secure site
at American Express's secure site
Terms & restrictions apply. See rates & fees.

Rewards

1 - 3% cash-back
more info

Intro Bonus

$200
details

Annual Fee

$0

Recommended Credit

670-850
Excellent, Good
more info
Why we chose it

The Blue Cash Everyday card is a good option for people who want a simple cash back structure with no annual fee. You’ll earn bonus cash back rewards on popular bonus categories, including U.S. supermarkets and U.S. gas stations.

Pros

  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
  • No annual fee.
  • 2% cash back at U.S. gas stations and select U.S. department stores .
  • Amex Offers, which earn you statement credits or extra points on purchases with a wide variety of merchants.

Cons

  • There is a $6,000 spending cap on the supermarket bonus category, which may not work for those with larger annual grocery spend.
  • You’ll have to pay a foreign transaction fee on purchases abroad, so it’s not a great choice to take with you when traveling outside of the U.S.
  • Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees
Best for cash-back beginners

Blue Cash Everyday® Card from American Express

TPG Editor's Rating

tooltip
3/5

Rewards Rate

  • 3% Cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases

Intro Bonus
tooltip

$200

Annual Fee

$0

Recommended Credit
tooltip

670-850
Excellent, Good
Why we chose it

The Blue Cash Everyday card is a good option for people who want a simple cash back structure with no annual fee. You’ll earn bonus cash back rewards on popular bonus categories, including U.S. supermarkets and U.S. gas stations.

Pros

  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
  • No annual fee.
  • 2% cash back at U.S. gas stations and select U.S. department stores .
  • Amex Offers, which earn you statement credits or extra points on purchases with a wide variety of merchants.

Cons

  • There is a $6,000 spending cap on the supermarket bonus category, which may not work for those with larger annual grocery spend.
  • You’ll have to pay a foreign transaction fee on purchases abroad, so it’s not a great choice to take with you when traveling outside of the U.S.
  • Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees
Best for occasional Hilton stays

Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card
Terms & restrictions apply. See rates & fees

TPG Editor's Rating
tooltip

3.5/5
Apply now
at American Express's secure site
at American Express's secure site
Terms & restrictions apply. See rates & fees.

Rewards

3 - 12X points
more info

Intro Bonus

130,000 Points
details

Annual Fee

$95

Recommended Credit

670-850
Good, Excellent
more info
Why we chose it

The Hilton Honors Surpass Card stands out in the crowded mid-tier category of cobranded hotel credit cards. It comes with elite-like perks at a reaonable $95 annual fee. New cardholders earn a generous 130,000 bonus points after spending $2,000 on eligible purchases within the first three months of card membership.

Pros

  • Reasonable $95 annual fee.
  • 12x points on eligible Hilton purchases; 6x at U.S. restaurants.
  • U.S. supermarkets and U.S. gas stations; 3x on all other eligible purchases.
  • Hilton Honors Gold status with an upgrade to Diamond by spending $40,000 in a calendar year.
  • Solid perks including 10 Priority Pass visits a year, no foreign transaction fees, secondary car rental insurance, extended warranty, return protection and theft and accidental damage purchase protection.
  • Nice perks for less-frequent travelers.

Cons

  • No travel credits.
  • No chart to redeem points at Hilton properties.
  • Ties you to Hilton properties.
  • Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees
Best for occasional Hilton stays

Hilton Honors American Express Surpass® Card

TPG Editor's Rating

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3.5/5

Rewards Rate

  • 12X Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
  • 6X Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations
  • 3X Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card

Intro Bonus
tooltip

130,000 Points

Annual Fee

$95

Recommended Credit
tooltip

670-850
Good, Excellent
Why we chose it

The Hilton Honors Surpass Card stands out in the crowded mid-tier category of cobranded hotel credit cards. It comes with elite-like perks at a reaonable $95 annual fee. New cardholders earn a generous 130,000 bonus points after spending $2,000 on eligible purchases within the first three months of card membership.

Pros

  • Reasonable $95 annual fee.
  • 12x points on eligible Hilton purchases; 6x at U.S. restaurants.
  • U.S. supermarkets and U.S. gas stations; 3x on all other eligible purchases.
  • Hilton Honors Gold status with an upgrade to Diamond by spending $40,000 in a calendar year.
  • Solid perks including 10 Priority Pass visits a year, no foreign transaction fees, secondary car rental insurance, extended warranty, return protection and theft and accidental damage purchase protection.
  • Nice perks for less-frequent travelers.

Cons

  • No travel credits.
  • No chart to redeem points at Hilton properties.
  • Ties you to Hilton properties.
  • Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees
Best no-annual-fee Hilton card

Hilton Honors American Express Card

Hilton Honors American Express Card
Terms & restrictions apply. See rates & fees

TPG Editor's Rating
tooltip

3/5
Apply now
at American Express's secure site
at American Express's secure site
Terms & restrictions apply. See rates & fees.

Rewards

3 - 7X points
more info

Intro Bonus

80,000 Points
details

Annual Fee

$0

Recommended Credit

670-850
Excellent/Good
more info
Why we chose it

The Hilton Honors Amex Card is a decent entry-level hotel card with no annual fee. It’s a card that is ideal for beginners and offers an array of perks for those loyal to the Hilton brand.

Pros

  • No annual fee card.
  • Automatic Hilton Honors Silver status.
  • Extended warranty, purchase protection and car rental coverage.

Cons

  • Silver status is the lowest tier of Hilton Honors status.
  • Limited redemption flexibility as you can only redeem at Hilton hotels.
  • Can't earn a free night award unlike other Hilton cards.
  • Earn 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
  • No Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Best no-annual-fee Hilton card

Hilton Honors American Express Card

TPG Editor's Rating

tooltip
3/5

Rewards Rate

  • 7X Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
  • 5X Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • 3X Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.

Intro Bonus
tooltip

80,000 Points

Annual Fee

$0

Recommended Credit
tooltip

670-850
Excellent/Good
Why we chose it

The Hilton Honors Amex Card is a decent entry-level hotel card with no annual fee. It’s a card that is ideal for beginners and offers an array of perks for those loyal to the Hilton brand.

Pros

  • No annual fee card.
  • Automatic Hilton Honors Silver status.
  • Extended warranty, purchase protection and car rental coverage.

Cons

  • Silver status is the lowest tier of Hilton Honors status.
  • Limited redemption flexibility as you can only redeem at Hilton hotels.
  • Can't earn a free night award unlike other Hilton cards.
  • Earn 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
  • No Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Marriott Bonvoy Brilliant™ American Express® Card
Terms & restrictions apply. See rates & fees

TPG Editor's Rating
tooltip

3.5/5
Apply now
at American Express's secure site
at American Express's secure site
Terms & restrictions apply. See rates & fees.

Rewards

2 - 6X points
more info

Intro Bonus

125,000 points
details

Annual Fee

$450

Recommended Credit

670-850
Excellent/Good
more info
Why we chose it

The Bonvoy Brilliant is ideal for travelers who are loyal to the Marriott brand. You’ll get a solid return on Marriott stays and a number of premium perks that can help you upgrade your trips. However, with high-end perks comes a high annual fee.

Pros

  • Earn up to $300 in statement credits each account year for eligible at Marriott Bonvoy hotels.
  • 1 free night award (up to 50,000 points) on each cardmember anniversary.
  • Priority Pass Select membership (enrollment required)
  • Automatic Gold status with the ability to earn Platinum.

Cons

  • $450 annual fee isn't insignificant.
  • May not make sense if you don't stay at Marriott properties.
  • Earn 125,000 bonus Marriott Bonvoy points after you use your new Card to make $5,000 in purchases within the first 3 months. Plus, earn up to $200 in Statement Credits for eligible purchases at U.S. Restaurants within the first 6 months of Card Membership. Offer Expires 5/12/2021.
  • Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at participating Marriott Bonvoy hotels.
  • Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at participating Marriott Bonvoy Hotels. 3 points at U.S. restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
  • Receive 1 free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy Points) at a participating hotel. Certain hotels have resort fees.
  • Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership.
  • No Foreign Transaction Fees.
  • $450 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Best for high-end Marriott perks

Marriott Bonvoy Brilliant™ American Express® Card

TPG Editor's Rating

tooltip
3.5/5

Rewards Rate

  • 6X Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at participating Marriott Bonvoy Hotels.
  • 3X 3 points at U.S. restaurants and on flights booked directly with airlines.
  • 2X 2 points on all other eligible purchases.

Intro Bonus
tooltip

125,000 points

Annual Fee

$450

Recommended Credit
tooltip

670-850
Excellent/Good
Why we chose it

The Bonvoy Brilliant is ideal for travelers who are loyal to the Marriott brand. You’ll get a solid return on Marriott stays and a number of premium perks that can help you upgrade your trips. However, with high-end perks comes a high annual fee.

Pros

  • Earn up to $300 in statement credits each account year for eligible at Marriott Bonvoy hotels.
  • 1 free night award (up to 50,000 points) on each cardmember anniversary.
  • Priority Pass Select membership (enrollment required)
  • Automatic Gold status with the ability to earn Platinum.

Cons

  • $450 annual fee isn't insignificant.
  • May not make sense if you don't stay at Marriott properties.
  • Earn 125,000 bonus Marriott Bonvoy points after you use your new Card to make $5,000 in purchases within the first 3 months. Plus, earn up to $200 in Statement Credits for eligible purchases at U.S. Restaurants within the first 6 months of Card Membership. Offer Expires 5/12/2021.
  • Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at participating Marriott Bonvoy hotels.
  • Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at participating Marriott Bonvoy Hotels. 3 points at U.S. restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
  • Receive 1 free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy Points) at a participating hotel. Certain hotels have resort fees.
  • Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership.
  • No Foreign Transaction Fees.
  • $450 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Delta SkyMiles® Platinum American Express Card
Terms & restrictions apply. See rates & fees

TPG Editor's Rating
tooltip

3.5/5
Apply now
at American Express's secure site
at American Express's secure site
Terms & restrictions apply. See rates & fees.

Rewards

1 - 3X points
more info

Intro Bonus

90,000 miles
details

Annual Fee

$250

Recommended Credit

670-850
Excellent/Good
more info
Why we chose it

The Delta SkyMiles Platinum Amex is a good choice for Delta loyalists who need a little help reaching their elite status goals. This card offers some useful perks including an annual companion pass and your first checked bag free on Delta flights.

Pros

  • Earn bonus Medallion® Qualifying Miles (MQMs) and an Medallion Qualifying Dollar (MQD) waiver when you hit specific spending thresholds with your card within a calendar year.
  • Receive a Domestic Main Cabin round-trip companion certificate each year.
  • Fee credit for TSA PreCheck/Global Entry (up to $100)
  • First checked bag free.

Cons

  • Doesn't make sense if you don't fly Delta.
  • $250 annual fee.
  • SkyMiles aren't the most valuable airline currency.
  • Limited Time Offer: Earn 90,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 3 months. Offer expires 5/5/2021.
  • Accelerate your path to Medallion Status, with Status Boost®. Plus, in 2021 you can earn even more bonus Medallion® Qualification Miles (MQMs) to help you reach Medallion Status.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • Earn 1X Miles on all other eligible purchases.
  • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card.*Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Enjoy your first checked bag free on Delta flights.
  • Fee Credit for Global Entry or TSA Pre✓®.
  • Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
  • No Foreign Transaction Fees.
  • $250 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Best for regular Delta flyers

Delta SkyMiles® Platinum American Express Card

TPG Editor's Rating

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3.5/5

Rewards Rate

  • 3X Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • 2X Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • 1X Earn 1X Miles on all other eligible purchases.

Intro Bonus
tooltip

90,000 miles

Annual Fee

$250

Recommended Credit
tooltip

670-850
Excellent/Good
Why we chose it

The Delta SkyMiles Platinum Amex is a good choice for Delta loyalists who need a little help reaching their elite status goals. This card offers some useful perks including an annual companion pass and your first checked bag free on Delta flights.

Pros

  • Earn bonus Medallion® Qualifying Miles (MQMs) and an Medallion Qualifying Dollar (MQD) waiver when you hit specific spending thresholds with your card within a calendar year.
  • Receive a Domestic Main Cabin round-trip companion certificate each year.
  • Fee credit for TSA PreCheck/Global Entry (up to $100)
  • First checked bag free.

Cons

  • Doesn't make sense if you don't fly Delta.
  • $250 annual fee.
  • SkyMiles aren't the most valuable airline currency.
  • Limited Time Offer: Earn 90,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 3 months. Offer expires 5/5/2021.
  • Accelerate your path to Medallion Status, with Status Boost®. Plus, in 2021 you can earn even more bonus Medallion® Qualification Miles (MQMs) to help you reach Medallion Status.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • Earn 1X Miles on all other eligible purchases.
  • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card.*Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Enjoy your first checked bag free on Delta flights.
  • Fee Credit for Global Entry or TSA Pre✓®.
  • Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
  • No Foreign Transaction Fees.
  • $250 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Best for occasional Delta flyers

Delta SkyMiles® Gold American Express Card

Delta SkyMiles® Gold American Express Card
Terms & restrictions apply. See rates & fees

TPG Editor's Rating
tooltip

4/5
Apply now
at American Express's secure site
at American Express's secure site
Terms & restrictions apply. See rates & fees.

Rewards

1 - 2X points
more info

Intro Bonus

70,000 Miles
details

Annual Fee

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

Recommended Credit

670-850
Excellent/Good
more info
Why we chose it

The Delta SkyMiles Gold Amex provides valuable elite-like benefits for causal Delta flyers including a first checked bag free and priority boarding. It can easily justify getting and keeping this card.

Pros

  • First checked bag free for you and up to eight companions.
  • Main Cabin 1 priority boarding.
  • 20% back in the form of a statement credit on in-flight purchases (not including Wi-Fi).

Cons

  • Doesn't make sense if you don't fly Delta.
  • There are better Delta cards if you want lounge access or a boost to earn elite status.
  • Limited Time Offer: Earn 70,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months. Offer expires 5/5/2021.
  • Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • Earn 1X Mile on all other eligible purchases.
  • Enjoy your first checked bag free on Delta flights.
  • Earn now. Travel when you're ready. After you spend $10,000 in purchases in a calendar year, you will receive a $100 Delta Flight Credit on your Card to inspire your next travel.
  • Enjoy a $0 introductory Annual Fee for the first year, then $99.
  • Terms Apply.
  • See Rates & Fees
Best for occasional Delta flyers

Delta SkyMiles® Gold American Express Card

TPG Editor's Rating

tooltip
4/5

Rewards Rate

  • 2X Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • 1X Earn 1X Mile on all other eligible purchases.

Intro Bonus
tooltip

70,000 Miles

Annual Fee

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

Recommended Credit
tooltip

670-850
Excellent/Good
Why we chose it

The Delta SkyMiles Gold Amex provides valuable elite-like benefits for causal Delta flyers including a first checked bag free and priority boarding. It can easily justify getting and keeping this card.

Pros

  • First checked bag free for you and up to eight companions.
  • Main Cabin 1 priority boarding.
  • 20% back in the form of a statement credit on in-flight purchases (not including Wi-Fi).

Cons

  • Doesn't make sense if you don't fly Delta.
  • There are better Delta cards if you want lounge access or a boost to earn elite status.
  • Limited Time Offer: Earn 70,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months. Offer expires 5/5/2021.
  • Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • Earn 1X Mile on all other eligible purchases.
  • Enjoy your first checked bag free on Delta flights.
  • Earn now. Travel when you're ready. After you spend $10,000 in purchases in a calendar year, you will receive a $100 Delta Flight Credit on your Card to inspire your next travel.
  • Enjoy a $0 introductory Annual Fee for the first year, then $99.
  • Terms Apply.
  • See Rates & Fees
The Blue Business® Plus Credit Card from American Express
Terms & restrictions apply. See rates & fees

TPG Editor's Rating
tooltip

4/5
Apply now
at American Express's secure site
at American Express's secure site
Terms & restrictions apply. See rates & fees.

Rewards

1 - 2X points
more info

Intro Bonus

No current offer
details

Annual Fee

No annual fee

Recommended Credit

670-850
Excellent, Good
more info
Why we chose it

The Blue Business Plus is a great card for small business owners who want to earn lucrative Membership Rewards points on everyday business spending. It was created specifically for sole proprietorships and start-ups with limited revenue who would appreciate a card with an introductory interest rate and expanded buying power.

Pros

  • No annual fee.
  • Earn Membership Rewards points; transfer points to 22 travel partners.
  • Comes with extended warranties, purchase protection.
  • Baggage insurance and secondary car rental insurance.

Cons

  • No welcome bonus.
  • 2x points capped at $50,000 a calendar year (then 1x)
  • No higher bonus categories for business-related spending.
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply
  • See Rates & Fees
Best for everyday business expenses

The Blue Business® Plus Credit Card from American Express

TPG Editor's Rating

tooltip
4/5

Rewards Rate

  • 2X Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners
  • 1X 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter

Intro Bonus
tooltip

No current offer

Annual Fee

No annual fee

Recommended Credit
tooltip

670-850
Excellent, Good
Why we chose it

The Blue Business Plus is a great card for small business owners who want to earn lucrative Membership Rewards points on everyday business spending. It was created specifically for sole proprietorships and start-ups with limited revenue who would appreciate a card with an introductory interest rate and expanded buying power.

Pros

  • No annual fee.
  • Earn Membership Rewards points; transfer points to 22 travel partners.
  • Comes with extended warranties, purchase protection.
  • Baggage insurance and secondary car rental insurance.

Cons

  • No welcome bonus.
  • 2x points capped at $50,000 a calendar year (then 1x)
  • No higher bonus categories for business-related spending.
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply
  • See Rates & Fees

The best American Express credit cards for April 2021

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Card Best for Welcome Offer/Sign Up Bonus Earning Rate Annual Fee
The Platinum Card® from American Express Best for high-end benefits 75,000 points
  • Earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s an additional 9 points on top of the 1 point you earn for these purchases.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
  • Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$550
The Business Platinum Card® from American Express Best for frequent business travelers 125,000 points
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
$595
American Express® Business Gold Card Best for flexible earning on business expenses 70,000 points
  • Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
  • Is earned for other purchases. **
$295
American Express® Gold Card Best for U.S. supermarkets and restaurants worldwide 60,000 points
  • Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too.
  • Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
$250
Blue Cash Preferred® Card from American Express Best for maximizing cash back $300
  • Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
  • Cash Back on select U.S. streaming subscriptions
  • 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
  • Cash Back at U.S. gas stations
  • Cash Back on other purchases
$0 introductory annual fee for one year, then $95.
Blue Cash Everyday® Card from American Express Best for cash-back beginners $200
  • Cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • Cash back at U.S. gas stations and at select U.S. department stores.
  • Cash Back on other purchases
$0
Hilton Honors American Express Surpass® Card Best for occasional Hilton stays 130,000 Points
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card
$95
Hilton Honors American Express Card Best no-annual-fee Hilton card 80,000 Points
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
$0
Marriott Bonvoy Brilliant™ American Express® Card Best for high-end Marriott perks 125,000 points
  • Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at participating Marriott Bonvoy Hotels.
  • 3 points at U.S. restaurants and on flights booked directly with airlines.
  • 2 points on all other eligible purchases.
$450
Delta SkyMiles® Platinum American Express Card Best for regular Delta flyers 90,000 miles
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • Earn 1X Miles on all other eligible purchases.
$250
Delta SkyMiles® Gold American Express Card Best for occasional Delta flyers 70,000 Miles
  • Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • Earn 1X Mile on all other eligible purchases.
$0 introductory annual fee for the first year, then $99
The Blue Business® Plus Credit Card from American Express Best for everyday business expenses N/A
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners
  • 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter
No annual fee

Amex credit cards that earn cash back

Even though they don’t offer opportunities to maximize your rewards with airline and hotel transfer partners, cash-back cards do offer a consistent return and simple earning and redemption structures. During the current pandemic, these cards are even more valuable for those who want to save money on monthly expenses while they aren’t traveling. Here’s an overview of two American Express cards that fit into this category.

Blue Cash Preferred® Card from American Express: Best for maximizing cash back

The Blue Cash Preferred is a solid cash-back card for groceries and streaming services. (Photo by The Points Guy)

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

Earning rate(s): 6% cash back at U.S. supermarkets (up to $6,000 per calendar year, then 1%), 6% cash back on select U.S. streaming services, 3% cash back at U.S. gas stations, 3% cash back on transit, 1% back everywhere else. Terms apply.

Annual fee: $95, waived the first year (see rates and fees)

Why we chose it: This card may be a good option if you just want to put some cash back into your wallet, as we do value it as one of the best cash-back credit cards. A 6% bonus category is among the highest you’ll find with cash-back cards, although I wish the bonus extended to merchants other than U.S. supermarkets and select U.S. streaming services. Nevertheless, if you’re a big grocery shopper, getting a 6% return is solid. Just make sure that you’ll spend enough each year to offset the card’s $95 annual fee, waived the first year (see rates and fees).

Read our full Blue Cash Preferred Card review.

APPLY HERE: Blue Cash Preferred Card from American Express 

Blue Cash Everyday® Card from American Express: Best for cash-back beginners

(Photo by Eric Helgas/The Points Guy.)

Welcome offer: Earn $200 cash back (via statement credit) after you spend $1,000 in purchases in the first three months of account opening

Earning rate(s): 3% cash back at U.S. supermarkets (up to $6,000 per calendar year, then 1% thereafter), 2% cash back at U.S. gas stations and select U.S. department stores, 1% back everywhere else. Terms apply.

Annual fee: None (see rates and fees)

Why we chose it: This card carries no annual fee (see rates and fees), but offers lower bonus categories (3% and 2% instead of 6% and 3%) than the Blue Cash Preferred. If you’re debating between the Blue Cash Everyday and the Blue Cash Preferred, you’d need to spend $3,166.67 each year at U.S. supermarkets or $9,500 at U.S. gas stations/U.S. department stores to justify the Preferred’s annual fee, ignoring the welcome offer.

APPLY HERE: Blue Cash Everyday Card from American Express

Amex credit cards that earn transferable points

Every traveler should have a card that earns transferable points to shield you from devaluations and give you flexibility when it comes time to redeem. Many American Express cards earn Membership Rewards points, which can be transferred to 19 different airlines, including British Airways, Delta and Singapore Airlines.

You also have the option to transfer your points to three hotel chains: Hilton, Marriott and Choice. You can use your points to book flights or hotels directly through Amex Travel, but transferring them to a partner and then redeeming them typically results in the best redemption value.

The Platinum Card® from American Express: Best for high-end benefits

(Photo by Isabelle Raphael/The Points Guy)
The Platinum Card carries a ton of perks to make your travel more rewarding and less stressful. (Photo by Isabelle Raphael/The Points Guy)

Welcome offer: Earn 75,000 Membership Rewards points after you spend $5,000 in the first six months of account opening. Also, earn 10x on eligible purchases made at U.S. gas stations and U.S. supermarkets, up to $15,000 in combined spending during the first six months of card membership.

Select applicants may be targeted for an incredible 125,000-point offer by checking the CardMatch Tool (note that offers are subject to change at any time).

Earning rate(s): Earn 5x points per dollar on flights booked directly with airlines or with American Express Travel (on up to $500,000 on these purchases per calendar year), 1x points per dollar everywhere else. New cardholders earn 10x on eligible purchases made at U.S. gas stations and U.S. supermarkets, up to $15,000 in combined spending during the first six months of card membership.

Annual fee: $550 (see rates and fees)

Why we chose it: The Amex Platinum was the original premium travel rewards card, although this landscape is now quite competitive. Nevertheless, the card does offer solid value that even a semifrequent traveler can appreciate. Additionally, unlike typical credit cards, the card allows you to carry a balance for certain charges, but not all. The annual credits for incidental fees on airlines and Uber trips effectively reduce the annual fee to $150, and the earning rate on tickets booked directly with an airline makes it an attractive card for airfare purchases, especially given that TPG values Amex points at a solid 2 cents apiece.

The card includes trip cancellation/interruption and trip delay insurance, making it even more competitive against other luxury credit cards. The Amex Platinum card also offers the most comprehensive airport lounge access of any card on the market, including a Priority Pass Select membership, access to Amex Centurion loungesaccess to Delta Sky Clubs on same-day Delta flights, along with Airspace and Escape lounges.

When it comes to hotel stays, Platinum cardholders also get Gold elite status with two hotel loyalty programs: Hilton Honors and Marriott Bonvoy. These perks are compelling by themselves, so if you’re then targeted for a 125,000-point bonus through the CardMatch Tool (offer subject to change at anytime), I’d say applying is a no-brainer.

And this will be a great card to have long-term once travel is back on the table. I’d argue that now is still a good time to consider applying for the card if you are a frequent traveler under normal circumstances.

Read our full The Platinum Card From American Express review.

APPLY HERE: The Platinum Card from American Express (75,000-point bonus offer)

American Express® Gold Card: Best for dining at restaurants

(Photo by The Points Guy)

Welcome offer: Earn 60,000 Membership Rewards points after you spend $4,000 on eligible purchases with your new card within the first six months of account opening

Earning rate(s): Four points per dollar spent at restaurants worldwide and at U.S. supermarkets (on up to $25,000 per calendar year, then 1x), 3 points per dollar on flights purchased directly with the airline or at amextravel.com, 1 point per dollar everywhere else. Terms apply.

Annual fee: $250 (see rates and fees)

Why we chose it: The Amex Gold Card is a terrific option for foodies — whether you eat out, order delivery or cook at home. The 4x earning rate on dining at restaurants and U.S. supermarket purchases equals a stellar 8% return on your spending according to TPG valuations.

I personally love my Amex Gold and use it all the time, and have come to appreciate it even more during the coronavirus pandemic. I’ve been spending more on groceries and food delivery, and it’s great that I get 4x on my supermarket purchases and any takeout I order to support local restaurants. Plus, you can use the dining credit on Grubhub (among other popular chain restaurants). Factoring in the new up to $120 Uber Cash for U.S. services ($10 monthly credits per calendar year) and up to $120 in annual dining credits, this card effectively costs just $30 per year. Note: The card must be added to the Uber app to receive the Uber Cash benefit.

Additionally, the Rose Gold variant of the Amex Gold is back. Originally available in late 2018 (and briefly by referral only in 2019), the card color is now back by popular demand for new cardholders.

Read our full American Express Gold Card review.

APPLY HERE: American Express Gold Card (60,000-point bonus offer)

American Express® Green Card: Best for beginner travelers

(Photo by Wyatt Smith/The Points Guy)
(Photo by Wyatt Smith/The Points Guy)

Welcome offer: 30,000 Membership Rewards points after you use your new card to make $2,000 in purchases in your first three months.

Earning rate(s): 3x points per dollar spent on worldwide travel, transit and restaurants.

Annual fee: $150 (see rates and fees)

Why we chose it: The Green from Amex is a great mid-tier card for beginner travelers. Amex expanded the bonus categories to include a wide range of travel purchases, including transit and home-share rentals, on top of traditional airfare and hotel purchases — something other Amex cards have yet to do. The card also got some upgraded features, such as an up-to-$100 Clear membership credit and an up-to-$100 LoungeBuddy credit. Although the annual fee did increase to $150, this card has jumped to the top of some TPGers’ wish lists.

Read our full Amex Green credit card review.

APPLY HERE American Express Green Card (30,000-point bonus offer)

The information for the Amex Green card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

The Amex EveryDay® Preferred Credit Card from American Express: Best for everyday spending

(Photo by John Gribben for The Points Guy)

Welcome offer: 15,000 Membership Rewards points after you use your new card to make $1,000 in purchases within the first three months.

Earning rate(s): 3x points per dollar spent at U.S. supermarkets (up to $6,000 per calendar year), 2x points per dollar spent at U.S. gas stations, 1x points per dollar spent everywhere else. If you make 30 or more purchases in a billing period, you’ll earn 50% more points on those purchases.

Annual fee: $95

Why we chose it: This card can get you into the Membership Rewards program without breaking the bank with a high annual fee. It’s also great if you don’t travel that frequently. You don’t get the significant perks of the Amex Platinum or Amex Gold but you can still access some solid category bonuses for everyday spending. If you do use it as your primary card, you should make a point of hitting 30 transactions a month to earn the 50% earning bonus.

Read our full Amex EveryDay Preferred card review. 

The information for the Amex EverDay Preferred card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

The Amex EveryDay® Credit Card from American Express: Best for students

The Amex EveryDay Credit Card provides access to the Membership Rewards program with no annual fee. (Photo by The Points Guy)

Welcome offer: 10,000 Membership Rewards points after you use your new card to make $1,000 in purchases within the first three months.

Earning rate(s): Two points per dollar spent at U.S. supermarkets (up to $6,000 per year, then 1 point dollar after that), 1 point per dollar everywhere else. If you make 20 or more purchases in a billing period, you’ll earn 20% more points on those purchases.

Annual fee: $0

Why we chose it: If you’re looking for a card without an annual fee that still allows you to participate in the Membership Rewards program, this flavor of Amex EveryDay is a terrific option. I love that it still gives you a category bonus at supermarkets since many no-annual-fee cards offer a flat earning rate across all merchants. It may take a while to get to a valuable redemption, but it’s a good place to start.

Read our full Amex EveryDay card review.

The information for the Amex EveryDay card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Amex credit cards that earn hotel and airline points

In addition to cards that earn Membership Rewards points, American Express issues several credit cards that are specific for a particular airline or hotel chain. The big advantage of these cards is that they often carry extra benefits with the cobranded airline or hotel partner.

However, you’re locked into earning points or miles in that specific program, leaving you at the mercy of the airline or hotel chain when it comes to devaluations that can wipe significant value from your accounts.

Hilton Honors American Express Aspire Card: Best for high-end Hilton perks

(Photo by Eric Helgas/The Points Guy)
The Hilton Aspire’s benefits can be worth far more than the annual fee, even for infrequent Hilton guests. (Photo by Eric Helgas/The Points Guy)

Welcome offer: 150,000 Hilton Honors bonus points after you spend $4,000 in purchases on the card within your first three months of card membership.

Earning rate(s): 14x points per dollar spent at eligible Hilton properties; 7x points per dollar spent on flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies, and U.S. restaurants; 3x points per dollar on all other eligible purchases.

Annual fee: $450 (see rates and fees)

Why we chose it: The card carries a host of valuable perks, including an annual up to $250 airline fee credit (which works the same as the Amex Platinum’s credit) and an annual credit of up to $250 valid at select Hilton resorts. This card is the only cobranded hotel credit card that grants you automatic top-tier status, Hilton Diamond, with a hotel loyalty program.

If you can max out the airline fee credit, your annual fee essentially drops to $200, and the value of the weekend night certificate should nearly cover the rest. Then you have the terrific earning rates at Hilton properties — a return of 8.4% based on TPG’s most recent valuations — plus Priority Pass membership and the annual resort credit. Even if you’re only a semiregular guest at Hilton’s various brands, it’s fairly easy to get outsized value from the card.

Read our full Hilton American Express Aspire Credit Card review.

The information for the Hilton Aspire Amex card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Hilton Honors American Express Surpass® Card: Best for occasional Hilton stays

(Photo by John Gribben for The Points Guy)
(Photo by John Gribben for The Points Guy)

Welcome offer: Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in eligible purchases on the Card in the first 3 months of Card Membership.

Earning rate(s): 12x points per dollar of eligible purchases at Hilton properties; 6x points per dollar spent at U.S. restaurants, U.S. supermarkets and U.S. gas stations; 3x points per dollar spent on all other eligible purchases.

Annual fee: $95 (see rates and fees)

Why we chose it: The Surpass card is a great option for those who visit Hilton properties a few times a year. You’ll enjoy complimentary Hilton Gold status with the card and the ability to upgrade to Diamond status by spending $40,000 in eligible purchases in a calendar year.

The card also awards a weekend night certificate when you spend $15,000 on the card in a calendar year, and grants you Priority Pass Select membership (though you’ll only get 10 complimentary visits, each additional visit is $32). For an infrequent traveler, the 10 complimentary visits to Priority Pass lounges may be sufficient. You’re still getting a very solid return of 7.2% on your Hilton stays plus 3.6% back on your restaurant, grocery and gas purchases in the U.S. You may want to apply for the Surpass even if your travel habits could justify the Hilton Amex Aspire with its higher annual fee.

Read our full Hilton Honors American Express Surpass Card review.

APPLY HERE: Hilton Honors American Express Surpass Card 

Hilton Honors American Express Card: Best no-annual-fee hotel credit card

(Photo courtesy of American Express)

Welcome offer: 80,000 bonus points after you spend $1,000 on eligible purchases within the first three months of account opening.

Earning rate(s): 7x points per dollar spent at eligible Hilton properties; 5x points per dollar spent at U.S. restaurants, U.S. supermarkets and U.S. gas stations; 3x points per dollar spend on all other eligible purchases.

Annual fee: $0 (see rates and fees)

Why we chose it: Earning a 4.2% return on Hilton stays and 3% return at restaurants, supermarkets and gas stations is impressive for a no-annual-fee card (see rates and fees). You’ll also enjoy complimentary Silver elite status with the card and the ability to upgrade to Gold status by spending $20,000 in eligible purchases in a calendar year. Silver status is enough to get you a fifth night free on award stays, meaning you can spend as little as 20,000 points total for a five-night stay. The Hilton Surpass or Hilton Aspire will provide better value for most travelers — but if you’re opposed to paying an annual fee, the Hilton Amex is a solid card.

Read our full Hilton Honors American Express Card review. 

APPLY HERE: Hilton Honors American Express Card (80,000-point bonus offer)

Marriott Bonvoy Brilliant™ American Express® Card: Best for high-end Marriott perks

(Photo by Eden Batki / The Points Guy)
The Marriott Bonvoy Brilliant card can provide solid value for Marriott guests. (Photo by Eden Batki/The Points Guy)

Welcome offer: Earn 125,000 bonus Marriott Bonvoy points after you use your new card to make $5,000 in purchases within the first three months. Plus, earn up to $200 in statement credits for eligible purchases at U.S. restaurants within the first six months of card membership. Offer ends 5/12/2021.

Earning rate(s): 6x points per dollar at participating Marriott Bonvoy hotels, 3x points per dollar at U.S. restaurants and on flights booked directly with airlines, 2x points per dollar on all other eligible purchases.

Annual Fee: $450 (see rates and fees)

Why we chose it: You don’t need to be a hard-core Marriott loyalist to get great value from this card. It offers a statement credit of up to $300 each year of card membership, and this applies to room rates as well as on-property purchases such as meals and spa treatments.

Cardholders also get a free night award each year after their cardmember anniversary for properties that cost up to 50,000 points per night, plus complimentary Marriott Gold status (and the opportunity to earn Marriott Platinum status after spending $75,000 on the card in a calendar year) and a Priority Pass Select membership. Based on TPG’s valuation of Marriott points at .8 cents each, the free night certificate is worth $400 though it’s certainly possible to get more value from it. This means you’re looking at $700 or more in value each year from just the free night certificate and the annual credit, before even factoring in the card’s other perks.

Read our full Marriott Bonvoy Brilliant American Express Credit Card review.

APPLY HERE: Marriott Bonvoy Brilliant American Express Card (75,000-point bonus offer)

Delta SkyMiles® Platinum American Express Card: Best for regular Delta flyers

(Photo by Wyatt Smith/The Points Guy)
(Photo by Wyatt Smith/The Points Guy)

Welcome offer: Earn 90,000 bonus miles after after you spend $3,000 on purchases in the first three months of account opening.

Earning rate(s): Three miles per dollar spent on eligible Delta purchases and at hotels and 2 miles at restaurants and U.S. supermarkets; 1 mile per dollar spent everywhere else.

Annual fee: $250 (see rates and fees)

Why we chose it: If you’re chasing elite status on Delta, the Delta SkyMiles Platinum Amex is a solid choice. If you fly once a year with a companion, the card’s annual companion pass can easily save you at least the amount of the annual fee, since it’s good on many round-trip Delta coach fares. You’ll earn 10K MQMs at $25,000 and $50,000 in calendar-year spending, but remember that you no longer earn bonus redeemable miles. The card is offering 3x miles on Delta purchases and at hotels, 2x miles at restaurants and U.S. supermarkets, and a Global Entry/TSA PreCheck fee credit (every four years for Global Entry, every 4 1/2 years for TSA PreCheck).

Read our full Delta SkyMiles Platinum Amex Card review.

APPLY HERE: Delta SkyMiles® Platinum American Express Card

Delta SkyMiles® Gold American Express Card: Best for occasional Delta flyers

(Photo by Wyatt Smith/The Points Guy)
(Photo by Wyatt Smith/The Points Guy)

Welcome offer: Earn 70,000 bonus miles after you spend $2,000 on purchases in the first three months of account opening.

Earning rate(s): Two miles for every dollar spent on eligible purchases made directly with Delta and at restaurants and U.S. supermarkets, 1 mile per dollar spent everywhere else.

Annual fee: $99, waived the first year (see rates and fees)

Why we chose it: This card is a terrific option if you occasionally fly Delta. The first free-checked-bag benefit on Delta flights will save you up to $60 on a round-trip flight, and priority boarding can help ensure that you snag space in the overhead bin.

Plus, cardholders now receive a $100 Delta flight credit after spending $10,000 in a calendar year. However, keep in mind that Sky Club access (previously $29 for cardholders) and the Medallion Qualification Dollars waiver on this card is no longer available, and the annual fee has increased. Although Delta significantly devalued its program over the last few years, there are still some solid redemptions using SkyMiles.

Read our full Delta SkyMiles Gold Amex Card review.

APPLY HERE: Delta SkyMiles Gold American Express Card

Amex credit cards for business owners

There are plenty of benefits to using a small-business card for business purchases. For one, these cards often offer bonus rewards in categories more suited to business expenses, such as internet services or advertising.

Plus, you want to be able to keep your business expenses separate from your personal finances and the best business credit cards come with management tools that make that process easier. Here are a few of Amex’s top business credit cards:

The Business Platinum Card® from American Express: Best for frequent business travelers

(Photo by Isabelle Raphael / The Points Guy)
(Photo by Isabelle Raphael/The Points Guy)

TPG Exclusive Offer: Earn 125,000 points after you spend $15,000 on eligible purchases within the first three months of account opening.

Earning rate(s): 5x points per dollar on flights and prepaid hotels booked at American Express Travel, 1x point per dollar spent everywhere else.

Annual fee: $595 (see rates and fees)

Why we chose it: Like its consumer-card counterpart, the Amex Business Platinum is best in class when it comes to benefits for frequent travelers. Many benefits are the same across the cards, including lounge access, up-to-$200 annual airline fee credit, automatic elite status and more. Similarly to the consumer card, unlike typical credit cards that have a credit limit, this product has no preset spending limit.

The card also comes with a 35% rebate when you book a business- or first-class ticket (up to 500,000 points per calendar year) — or any class flight with your selected qualifying airline — through American Express Travel using Membership Rewards points. Even though the card accrues valuable Membership Rewards points that can be used in a variety of ways, it offers very little in the way of spending bonuses (for new cardholders; existing cardholders as of Nov. 1 can access a variety of new bonus categories), so it’s not the best option for maximizing everyday purchases. Terms apply.

Read our full Business Platinum Card from Amex review. 

APPLY HERE: The Business Platinum Card from American Express

American Express® Business Gold Card: Best for flexible earning on business expenses

(Photo by Eric Helgas/The Points Guy)
(Photo by Eric Helgas/The Points Guy)

Welcome offer: Earn 70,000 bonus points after you spend $10,000 on eligible purchases in the first three months of account opening.

Earning rate(s): Earn 4x points per dollar on the two categories you spend most on each month (on the first $150,000 in combined purchases from these two categories each calendar year, then 1x). The choices include airfare purchased directly from airlines, U.S. advertising purchases in select media (online, TV, radio), U.S. purchases made from select technology providers of computer hardware, software and cloud solutions, U.S. gas stations, U.S. restaurants and U.S. shipping purchases. Earn 1x points per dollar on all other spending.

Annual fee: $295 (see rates and fees)

Why we chose it: Unlike the Platinum business card, the Business Gold Card offers some valuable spending bonuses on categories that are popular for small businesses, so this is ideal for those of you wanting to boost your Membership Rewards balance. The flexible rewards structure that automatically chooses your top categories also makes it easier to maximize rewards each month. This card also functions the same as the consumer and Business Platinum cards in that it allows you to carry a balance for certain charges, but not all.

Read our full Amex Business Gold Card review.

APPLY HERE: American Express Business Gold Card

The Blue Business® Plus Credit Card from American Express: Best for everyday business expenses

(Photo by The Points Guy)

Welcome offer: None.

Earning rate(s): Earn two points per dollar spent on up to $50,000 in purchases per calendar year, then one point per dollar.

Annual fee: $0 (see rates and fees)

Why we chose it: Earning 2x on all purchases is the best flat earning rate for business expenses on the market today, especially from a card that doesn’t charge an annual fee. It means you don’t have to juggle bonus categories and it’s perfect for business owners with smaller annual budgets.

Read our full Blue Business Plus Credit Card review.

APPLY HERE: Blue Business Plus Credit Card from American Express

Delta SkyMiles® Gold Business American Express Card: Best for budget business travelers

Photo by The Points Guy

Bonus: Earn 70,000 bonus miles and a $50 statement credit after spending $2,000 in purchases on your new card in the first three months of account opening.

Earning rate(s): Earn 2 miles per dollar spent on eligible purchases made directly with Delta, and at restaurants, on U.S. shipping and U.S. advertising; then 1 mile per dollar on all other purchases.

Annual fee: $99, waived the first year (see rates and fees)

Why we chose it: If you fly Delta for business travel, it’s a good idea to have a cobranded Delta credit card in your wallet. The card also comes with a free checked bag on Delta flights, along with priority boarding and 20% savings on eligible inflight purchases.

Keep in mind this card underwent similar changes to the personal Delta SkyMiles Gold card earlier this year. You can now earn a $100 Delta flight credit after spending $10,000 in a calendar year, but the annual fee did increase. Plus, you can no longer receive an MQD waiver or discounted Sky Club access.

Read our full Delta SkyMiles Gold Business Credit Card review.

APPLY HERE: Delta SkyMiles® Gold Business American Express Card

How we chose the best Amex Credit cards

After going through details for each specific card, let’s now discuss our overall approach to this analysis and how we chose the best Amex cards. I started by selecting what I believe to be the best American Express credit cards on the market today based on the type of card, the benefits offered, the cost of card membership and more. Then I divided those cards into four categories:

  1. Those that earn cash back
  2. Those that earn transferable points
  3. Those that earn points or miles in a specific program
  4. Those that are suited for small businesses

Then, within each category, I broke down the individual perks of each card using the following criteria:

  • Welcome offer
  • Earning rate(s)
  • Benefits
  • Annual fee
  • Temporary benefits (when applicable)

Finally, I tried to provide some context for each card and suggest to whom it might appeal based on a variety of factors, including spending habits, travel patterns and desired rewards. As always, you likely have your own criteria for these decisions, but hopefully, this analysis helps you get a jump start on your research for choosing the right card for you.

What is the best American Express credit card?

This largely depends on the individual. Each card has different benefits suited to different lifestyles. If you eat out a lot, go for the classic Gold. If you’re a frequent traveler, the perks of the Platinum are huge. There’s an Amex for points and cash back, too, of course. Evaluate your spending patterns and then there is surely an Amex card out there for you!

Related: Why there’s no such thing as the ‘best’ credit card

What are Amex Membership Rewards?

The American Express Membership Rewards program is a benefit that allows customers to accumulate points through purchases that you can then redeem for gift cards, travel rewards, immersive experiences, statement credit or even to cover recent card charges. Of course, you’ll almost always get the best value when you redeem these points for travel.

Related: The ultimate guide to Amex Membership Rewards

You earn points on most everyday purchases (depending on which card you have), and there are no expiration dates and no limit on how many points you can earn — just use your card for purchases, large or small, and watch the points add up.

In the points and miles world, Membership Rewards points are considered one of the most valuable currencies around. They are valued at a respectable 2 cents apiece per TPG valuations.

Bottom line

As you can see, American Express offers a wide range of selections including some of the best rewards credit cards and best travel credit cards with benefits along with varied earning and redemption options. If you aren’t sure which card is best, start by figuring out what type of rewards you want to earn and the benefits you want to enjoy. Then you can consider each product to see which one carries the perks and points that’ll work best for you.

Additional reporting by Chris Dong and Hayley Coyle.

Featured image by Wyatt Smith/The Points Guy.

For rates and fees of the Amex Platinum card, please click here.
For rates and fees of the Amex Gold card, please click here.
For rates and fees of the Amex Green card, please click here.
For rates and fees of the Hilton Aspire card, please click here.
For rates and fees of the Hilton Surpass card, please click here.
For rates and fees of the Hilton Amex card, please click here.
For rates and fees of the Marriott Bonvoy Brilliant card, click here.
For rates and fees of the Delta SkyMiles Platinum card, please click here.
For rates and fees of the Delta SkyMiles Gold card, please click here.
For rates and fees of the Blue Cash Preferred card, please click here.
For rates and fees of the Amex Business Platinum card, click here.
For rates and fees of the Amex Business Gold card, please click here.
For rates and fees of the Blue Business Plus card, please click here.
For rates and fees of the Delta SkyMiles Gold Business card, please click here.
For rates and fees of the Blue Cash Everyday, click here.

Chris Dong
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