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Best American Express Credit Cards

Written by Mike Pearson
Updated June 8, 2023

American Express, widely known for its variety of rewarding credit cards, caters to a diverse clientele – from credit card beginners to frequent travelers and business owners. With the majority of Amex cards designed to benefit those who possess good to excellent credit scores, finding the ideal card for your needs might seem daunting. This article aims to assist you in this process by presenting the best American Express credit cards available today.

Each cardholder has unique requirements, so our selection focuses on various categories and features, ensuring we cover the essentials for different types of users. American Express cards are typically praised for their cashback and points rewards, making them even more appealing to potential cardholders.

In the following sections, we will delve into not only the top American Express credit cards but also their specific benefits and target audiences. This comprehensive guide should simplify your decision-making process, allowing you to choose the card that best matches your spending habits and lifestyle.

Best American Express Membership Rewards Cards

In this section, we will discuss the top American Express Membership Rewards Cards: Amex Platinum Card, Amex Gold Card, Amex Green Card, and Amex EveryDay Card.

Amex Platinum Card

The Platinum Card® from American Express is best for high-end benefits and frequent travelers. Key features of this card are:

  • A generous welcome bonus
  • 5x points on flights booked directly with airlines or through American Express Travel
  • 5x points on prepaid hotels booked through American Express Travel
  • Complimentary access to airport lounges, including Centurion Lounges and Priority Pass lounges
  • Up to $200 annual airline fee credit for incidental fees on your selected airline
  • Up to $200 annual Uber credits for rides or Uber Eats orders

Amex Gold Card

The American Express® Gold Card is an excellent choice for those who spend on U.S. supermarkets and restaurants. Here are its main features:

  • A welcome bonus after meeting the minimum spend requirement
  • 4x points at U.S. supermarkets (on up to $25,000 per calendar year, then 1x points)
  • 4x points at restaurants worldwide
  • 3x points on flights booked directly with airlines or through American Express Travel
  • Up to $120 annual dining credit at select restaurants
  • No foreign transaction fees

Amex Green Card

The American Express® Green Card is a solid option for travelers wanting a more accessible entry-level travel rewards card. Its benefits include:

  • A welcome bonus after meeting the minimum spend requirement
  • 3x points on travel, including flights, hotels, and car rentals
  • 3x points on dining at restaurants worldwide
  • No foreign transaction fees
  • Up to $100 annual statement credit for CLEAR membership
  • Up to $100 annual statement credit for LoungeBuddy airport lounge access

Amex EveryDay Card

Lastly, the Amex EveryDay® Credit Card is a great option for earning rewards on everyday spending. Its features are:

  • A welcome bonus after meeting the minimum spend requirement
  • 2x points at U.S. supermarkets (on up to $6,000 per calendar year, then 1x points)
  • 1x points on other purchases
  • 20% extra points when you make 20 or more purchases in a billing period
  • No annual fee
  • 0% intro APR on purchases for the first 15 months (followed by a variable APR)

Remember to consider your spending habits and preferences while choosing the right American Express Membership Rewards Card for you.

Top American Express Cash Back Cards

American Express offers a variety of cash back cards to suit different spending habits. In this section, we’ll discuss three popular Amex cash back cards: the Blue Cash Preferred Card, the Blue Cash Everyday Card, and the Cash Magnet Card.

Blue Cash Preferred Card

The Blue Cash Preferred Card from American Express is an excellent choice for people looking to maximize their cash back rewards. This card offers:

  • 6% cash back at U.S. supermarkets (on up to $6,000 per year, then 1%)
  • 6% cash back on select U.S. streaming subscriptions
  • 3% cash back at U.S. gas stations and on transit (including taxis, rideshares, parking, tolls, trains, and buses)
  • 1% cash back on all other purchases

This card does come with a $95 annual fee (waived for the first year), but its significant cash back rates can easily offset this cost for many cardholders.

Blue Cash Everyday Card

The Blue Cash Everyday Card from American Express is a great option for those who prefer a no annual fee card while still earning solid cash back rewards. With this card, you can expect:

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

While the cash back rates are lower than the Blue Cash Preferred Card, the lack of an annual fee makes this card attractive to cash-back beginners or those with more modest spending habits.

Cash Magnet Card

The American Express Cash Magnet Card is a straightforward option for those who prefer a flat cash back rate on all purchases. This card features:

  • 1.5% cash back on all purchases, with no category restrictions or spending caps

With no annual fee and a simple cash back structure, the Cash Magnet Card is a solid choice for those who value simplicity and want to earn cash back on every purchase without worrying about bonus categories.

Recommended American Express Travel Cards

Delta SkyMiles Platinum Card

The Delta SkyMiles Platinum Card is an excellent choice for frequent Delta flyers. Cardholders can earn 3X miles on Delta flights and Delta Vacations, and 1 mile per dollar on all other eligible purchases. The welcome bonus offers 50,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after meeting the minimum spending requirements.

Additional benefits include a global entry or TSA pre-check fee credit, priority boarding, and an annual companion certificate. There are several travel protections and benefits provided, such as:

  • Baggage insurance
  • Car rental loss and damage insurance
  • 24/7 global assist hotline

Hilton Honors Aspire Card

The Hilton Honors Aspire Card is perfect for those who frequently stay at Hilton hotels. This card offers substantial rewards and benefits, such as 14X points on eligible Hilton purchases, 7X points on flights booked directly with airlines, and 3X points on all other purchases.

Cardholders also receive a Hilton Honors Diamond status, offering benefits like:

  • Complimentary room upgrades
  • 100% bonus on all Hilton Honors base points
  • Late check-out

Additionally, cardholders are eligible for the Hilton free weekend night reward annually and a $250 annual airline fee credit.

Marriott Bonvoy Brilliant Card

For Marriott loyalists, the Marriott Bonvoy Brilliant Card is an attractive option. Cardholders earn 6X points for every dollar spent at participating Marriott Bonvoy hotels, 3X points on flights booked directly with airlines, and 2X points on all other purchases.

The card offers a welcome bonus of 75,000 Marriott Bonvoy points after meeting the minimum spending requirements. Other benefits of this card include:

  • An annual free-night award (up to 50,000 points)
  • $300 annual Marriott Bonvoy statement credit
  • Complimentary Marriott Bonvoy Gold Elite status

These American Express travel cards offer excellent rewards and benefits for travelers loyal to specific brands. The right card for you depends on your travel preferences and the hotels or airlines you frequently use.

Noteworthy American Express Business Cards

Business Platinum Card

The Business Platinum Card® from American Express is an excellent choice for business travelers seeking luxury and a card loaded with benefits. As one of the best Amex cards for travel and lounge access, this card offers:

  • A 120,000 points welcome offer (terms apply)
  • 5X Membership Rewards points on flights and prepaid hotels booked through amextravel.com
  • 1.5X points on eligible purchases of $5,000 or more
  • $200 airline fee credit for incidental charges
  • Access to over 1,200 airport lounges worldwide
  • Annual fee: $695 (Rates & Fees)

Business Gold Card

The Business Gold Card from American Express is another top choice for businesses looking for rewards on their spending. With a $295 annual fee (Rates & Fees), cardholders can benefit from:

  • 4X Membership Rewards points in two select categories where the business spends the most each month
  • 1X points on other purchases
  • 25% points back when booking eligible flights with American Express Travel using Membership Rewards Pay with Points
  • No foreign transaction fees (Rates & Fees)

Blue Business Plus Card

For businesses seeking a $0 annual fee option, the Blue Business Plus Card from American Express is a great choice. This card offers:

  • 2X Membership Rewards points per dollar on the first $50,000 spent on eligible purchases each calendar year
  • 1X points on purchases after the first $50,000
  • 0.0% intro APR on purchases for the first 12 months of Card Membership
  • No category restrictions

Keep in mind that a good-to-excellent personal credit (a FICO score of 690 or higher) is required to qualify for most of these Amex business credit cards.

Best American Express Cards for Balance Transfers

Amex EveryDay Card

The Amex EveryDay Card is an excellent choice for balance transfers. With a 0% introductory APR on balance transfers for the first 15 months, you can save on interest payments while paying off your balance. The card also features no balance transfer fee if the transfer is made within the first 60 days of account opening.

In addition to its balance transfer benefits, the Amex EveryDay Card offers rewards on everyday spending. Cardholders can earn 2x Membership Rewards points at U.S. supermarkets (on up to $6,000 per year in purchases, then 1x) and 1x points on all other eligible purchases. Plus, there’s a welcome bonus of 10,000 Membership Rewards points after spending $1,000 on eligible purchases within the first 3 months of account opening. The card has no annual fee.

Blue Cash Preferred Card

The Blue Cash Preferred Card is another American Express card that offers balance transfer benefits. This card features a 0% introductory APR on balance transfers for 12 months, allowing you to save on interest while paying down your balance.

Aside from balance transfer perks, the Blue Cash Preferred Card is an excellent cash back rewards card. Cardholders can earn 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 and 3% cash back at U.S. gas stations and on transit. All other eligible purchases will earn 1% cash back. There’s also a generous welcome bonus, where new cardholders can earn a $300 statement credit after spending $3,000 in eligible purchases within the first 6 months of account opening. The card has a $95 annual fee (waived for the first year).

Frequently Asked Questions

Top 6 Amex cards?

The top American Express cards can differ depending on individual preferences and needs, but some popular options include the Blue Cash Preferred Card, Delta SkyMiles Gold Card, American Express Platinum Card, American Express Gold Card, Blue Cash Everyday Card, and Amex Everyday Card.

Most rewarding Amex card?

The most rewarding Amex card can vary based on the type of rewards one is looking for. However, the American Express Platinum Card is often considered highly rewarding, offering generous travel perks, access to airport lounges, and earning 5x points on flights booked directly with airlines or on amextravel.com.

Easiest Amex card to obtain?

The easiest American Express card to obtain may be the Blue Cash Everyday Card or Amex Everyday Card, as they typically have lower credit score requirements compared to other Amex cards. However, approval for any Amex card would depend on factors like credit history, income, and debt levels.

Most prestigious Amex card?

The most prestigious American Express card is the American Express Centurion Card, often referred to as the “Black Card.” It is an invitation-only card offered to a select group of high-net-worth individuals and comes with exclusive benefits, including a dedicated concierge service, unique travel perks, and special access to events.

Best Amex card with no annual fee?

The Blue Cash Everyday Card and Amex Everyday Card are two popular Amex cards with no annual fee. The Blue Cash Everyday Card allows cardholders to earn cash back on everyday purchases, while the Amex Everyday Card offers Membership Rewards points on eligible purchases.

Amex cards with best travel rewards?

Amex cards with the best travel rewards include the Delta SkyMiles Gold Card, which offers 3x miles on Delta flights and Delta Vacations, and the American Express Platinum Card, which provides 5x points on flights as well as extensive travel perks such as global lounge access and hotel status benefits.

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Mike Pearson


Mike is a recognized credit expert and founder of Credit Takeoff. His credit advice has been featured in Investopedia, CreditCards.com, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Read more.