Best American Express Credit Cards of 2024

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I’ve carried American Express cards for years. It started with the iconic Green American Express many years ago. Since then, I’ve carried the Gold card, The Platinum Card, TrueEarnings CostCo card (no longer available), and the Blue Cash Preferred. Yes, I’m an Amex fan.

Today, Amex offers a wide variety of cards with excellent rewards. It offers top-notch travel rewards, cash back, and even 0% introductory rate offers on balance transfers and purchases. The list below starts with consumer cards, airline cards, and hotel cards and wraps it up with Amex business credit cards.

American Express Cash Back and Rewards Cards

Card	Welcome Offer	Annual Fee
Blue Cash Preferred® Card from American Express	Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. (Terms Apply)	$0 intro annual fee for the first year, then $95.
American Express® Gold Card	Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. (Terms Apply)	$325
The Platinum Card® from American Express	Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. (Terms Apply)	$695
Bread Cashback™ American Express® Credit Card	None	$0
Blue Cash Everyday® Card from American Express	Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. (Terms Apply)	$0
American Express Cash Magnet® Card	Earn $200 back after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $200 back in the form of a statement credit. (Terms Apply)	$0
Amex EveryDay® Credit Card	Get 10,000 Membership Rewards® Points when you use your new card to make $2,000 in purchases within the first 6 months of Card Membership.(Terms Apply)	$0
Amex EveryDay® Preferred Credit Card	Earn 15,000 Membership Rewards® Points after you spend $2,000 in qualifying purchases on the Card within your first 6 months of Card Membership. (Terms Apply)	$95
American Express® Green Card	Earn 40,000 Membership Rewards® Points after you spend $3,000 in eligible purchases on your American Express® Green Card within the first 6 months of Card Membership. (Terms Apply)	$150

Blue Cash Preferred® Card from American Express

Editor’s Pick: My favorite consumer Amex card is the Blue Cash Preferred® Card from American Express. With cash back of up to 6%, the annual fee is well worth the cost. The cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or on Amazon.com at checkout. The welcome offer helps, too. And for those of you who subscribe to the Disney Bundle, you get a $7 statement credit when you spend $12.99 or more a month.

• Welcome Offer: Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
• Annual Fee: $0 intro annual fee for the first year, then $95.
• 0% Intro APR Offer: Get 0% intro APR on purchases for the first 12 months, then a variable rate of 18.49% - 29.49%, depending on creditworthiness
• Rewards:
  1% cash back

  On all other eligible purchases

  1% cash back on all other purchases

  3% cash back

  Gas

  3% cash back at U.S. gas stations

  3% cash back

  Transit

  3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more)

  6% cash back

  U.S. supermarkets

  6% cash back on groceries up to $6,000 per year in purchases at U.S. supermarkets, then 1%

  6% cash back

  Streaming services

  6% cash back on select U.S. streaming subscriptions

*Terms Apply

Read our Blue Cash Preferred® Card from American Express Review

American Express® Gold Card

Best for Foodies

American Express® Gold Card pays up to 4x points at restaurants worldwide on up to $50,000 in purchases per calendar year, then 1x points. Earn 4x points at U.S. supermarkets on up to $25,000 in purchases per calendar year, then 1x points. Earn 3x points on flights booked directly through airlines or on amextravel.com. Earn 2x points on prepaid hotels and other eligible purchases booked on AmexTravel.com. Once you add your card to your Uber account, you can get a $10 statement credit every month for U.S. rides and Uber Eats delivery (up to $120 a year, enrollment required). It’s a great card for saving money on food.

• Welcome Offer: Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
• Annual Fee: $325
• Rewards: 
  1x points

  On all other eligible purchases

  Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.

  2x points

  Hotels

  Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.

  3x points

  Airfare

  Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.

  4x points

  U.S. supermarkets

  Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.

  4x points

  Dining

  Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.

*Terms Apply

Read our American Express® Gold Card Review

The Platinum Card® from American Express

Best for premium travel rewards

The Platinum Card® from American Express is a premium travel rewards card with an annual fee that reflects that. However, if you make use of all of the benefits this card offers, it’s worth the cost. You get a $200 hotel credit, a $200 airline fee credit, $200 in Uber Cash (Terms Apply), and many other perks. You also get a nice welcome offer and generous rewards. And of course, you get that Centurion Lounge access.

• Welcome Offer: Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
• Annual Fee: $695
• Rewards:
  1x points

  On all other eligible purchases

  1x points on other eligible purchases

  5x points

  Airfare

  5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year

  5x points

  Hotels

  5x Membership Rewards® Points on prepaid hotels booked with American Express Travel.

*Terms Apply

Read our The Platinum Card® from American Express Review

Bread Cashback™ American Express® Credit Card

Best for unlimited 2% cash back

Bread Cashback™ American Express® Credit Card offers unlimited 2% cash back on everything you buy. You also get American Express benefits like I.D. Theft protection, purchase protection, and a 20% discount or a free appetizer at participating restaurants. And there’s no annual fee.

• Welcome Offer: None
• Annual Fee: $0
• Rewards:
  2% cash back

  All eligible purchases

  Earn 2% unlimited cash back when you use your Bread Cashback Card.

Read our Bread Cashback™ American Express® Credit Card Review

Blue Cash Everyday® Card from American Express 

Best for $0 annual fee

Blue Cash Everyday® Card from American Express is a great card with a $0 annual fee. It offers excellent cash back rewards and a nice welcome offer. Plus, you get 0% intro APR on balance transfers for 15 months, then 18.49% - 29.49% variable APR. You can pay off higher interest debt and then keep it for the rewards on U.S. groceries and U.S. gas. The cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or on Amazon.com at checkout.

• Welcome Offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
• Annual Fee: $0
• 0% Intro APR Offer: Get 0% intro APR on balance transfers for 15 months. After that, your rate will be 18.49% - 29.49% variable, depending on creditworthiness.
• Rewards:
  1% cash back

  On all other eligible purchases

  1% cash back on all other purchases.

  3% cash back

  U.S. supermarkets

  3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.

  3% cash back

  Select Categories

  3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.

  3% cash back

  Gas

  3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.

*Terms Apply

Read our Blue Cash Everyday® Card from American Express Review

American Express Cash Magnet® Card

Best for balance transfers

American Express Cash Magnet® Card is American Express’ 1.5% cash back card. There are a ton of 2% cash back cards out there now, so this is only an okay card. The biggest selling point is the 0% intro APR offer on purchases and balance transfers for 15 months months, which makes it a good option if you’re making a major purchase.

• Welcome Offer: Earn $200 back after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $200 back in the form of a statement credit.
• Annual Fee: $0
• 0% Intro APR Offer: Get 0% intro APR on purchases and balance transfers for 15 months months. After that, your rate will be 19.24% to 29.99% variable, depending on your creditworthiness.
• Rewards:
  1.5% cash back

  All eligible purchases

  Earn 1.5% on all eligible purchases

*Terms Apply

Read our American Express Cash Magnet® Card Review

Amex EveryDay® Credit Card 

Best for extra points

Amex EveryDay® Credit Card is one of the few no-annual fee American Express cards. You get a small welcome offer, plus 2x points on purchases at U.S. supermarkets (subject to a cap) and 1x point on all other purchases. If you use your card 20 or more times during a billing period, you get 20% more points on those purchases. There’s also a 0% introductory APR offer for 15 months months on purchases and balance transfers. Not bad for no-annual fee card.

• Welcome Offer: Get 10,000 Membership Rewards® Points when you use your new card to make $2,000 in purchases within the first 6 months of Card Membership.
• Annual Fee: $0
• 0% Intro APR Offer: Get 0% intro APR on purchase and balance transfers for the first 15 months months. After that, your rate will be 18.24% to 29.24% variable, depending on your creditworthiness.
• Rewards:
  1x points

  On all other eligible purchases

  Earn 1X points on other purchases.

  2x points

  U.S. supermarkets

  Earn 2X points at U.S. supermarkets, on up to $6,000 per year in purchases, then 1X.

*Terms Apply

Read our Amex EveryDay® Credit Card Review

Amex EveryDay® Preferred Credit Card

Best for frequent use

With the Amex EveryDay® Preferred Credit Card, you get a small welcome offer, 3x points on groceries (up to $6,000 a year), 2x on gas and 1x on all other purchases. If you use your card 30 or more times in a billing cycle, you’ll 50% extra points on those purchases. This may seem like a lot, but if you use your card for your daily coffee shop run, you’re there.

• Welcome Offer:  Earn 15,000 Membership Rewards® Points after you spend $2,000 in qualifying purchases on the Card within your first 6 months of Card Membership.
• Annual Fee:  $95
• 0% Intro APR Offer: Get 0% intro APR on purchases and balance transfers for the first 12 months. After that, your rate will be  18.24% to 28.24% variable, depending on creditworthiness.
• Rewards:  
  1x points

  On all other eligible purchases

  1x points on all other eligible purchases

  2x points

  Travel

  2x points at Amextravel.com

  2x points

  Gas

  2x points at U.S. gas stations

  3x points

  U.S. supermarkets

  3x points at U.S. supermarkets on up to $6,000 per year in purchases

*Terms Apply

Read our Amex EveryDay® Preferred Credit Card Review

American Express® Green Card 

Best for old-school cool

American Express® Green Card–Don’t leave home without it. Although it wasn’t the first credit card, or even the first “card” American Express issued (there was a Purple card, although it was on paper, in 1958), but it is the iconic American Express card, launched in 1969. There is a decent welcome offer, plus you get 3x points at restaurants, transit and travel, and 1x on all other purchases. You also get $199 Clear® Plus Credit and a $100 lounge buddy credit to sweeten the pot.

• Welcome Offer:  Earn 40,000 Membership Rewards® Points after you spend $3,000 in eligible purchases on your American Express® Green Card within the first 6 months of Card Membership.
• Annual Fee:  $150
• Rewards:  
  1x points

  On all other eligible purchases

  Earn 1X Membership Rewards® points on other eligible purchases

  3x points

  Travel

  Earn 3X Membership Rewards® points on travel including airfare, hotels, cruises, tours, car rentals, campgrounds, and vacation rentals.

  3x points

  Dining

  Earn 3X Membership Rewards® points on eligible purchases at restaurants worldwide, including takeout and delivery in the US.

  3x points

  Transit

  Earn 3X Membership Rewards® Points on transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.

*Terms Apply

Read our American Express® Green Card Review

American Express Airline Cards

Card	Welcome Offer	Annual Fee
Delta SkyMiles® Gold American Express Card	Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. (Terms Apply)	$0 introductory annual fee for the first year, then $150.
Delta SkyMiles® Platinum American Express Card	Earn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership. (Terms Apply)	$350
Delta SkyMiles® Reserve American Express Card	Earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership. (Terms Apply)	$650
Delta SkyMiles® Blue American Express Card	Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months. (Terms Apply)	$0

Delta SkyMiles® Gold American Express Card

Best value

Delta SkyMiles® Gold American Express Card is a solid card for those who prefer to fly Delta. You get a generous welcome offer and 2x points on dining, groceries, and Delta purchases. You also get some Delta-specific benefits such as a $200 flight credit (after you spend $10,000 in purchases on your card in a calendar year you can receive a $200 Delta Flight Credit to use toward future travel), a free checked bag, and 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app.

• Welcome Offer:  Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.   
• Annual Fee: $0 introductory annual fee for the first year, then $150.  
• Rewards:  
  1x miles

  On all other eligible purchases

  Earn 1X Miles on all other eligible purchases.

  2x miles

  U.S. supermarkets

  Earn 2X Miles at U.S. Supermarkets.

  2x miles

  Delta Purchases

  Earn 2X Miles on Delta purchases.

  2x miles

  Dining

  Earn 2X Miles at restaurants worldwide, including takeout and delivery in the U.S.
   

*Terms Apply

Read our Delta SkyMiles® Gold American Express Card Review

Delta SkyMiles® Platinum American Express Card

Best for the companion pass

Delta SkyMiles® Platinum American Express Card is the mid-tier Delta rewards card in the American Express line up. You get elevated rewards on Delta puchases, hotels, groceries, and dining. The biggest benefit, though, is the Annual Companion certificate on a Main Cabin round-trip flight within the U.S., to Mexico, the Caribbean or Central America (Minus taxes and fees. Terms Apply.).

• Welcome Offer: Earn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
• Annual Fee: $350
• Rewards:
  1x miles

  On all other eligible purchases

  Earn 1X Miles on all other eligible purchases.

  2x miles

  U.S. supermarkets

  Earn 2X Miles at U.S. supermarkets

  2x miles

  Dining

  Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S.

  3x miles

  Delta Purchases

  Earn 3X Miles on Delta purchases

  3x miles

  Hotels

  Earn 3X Miles on purchases made directly with hotels

*Terms Apply

Read our Delta SkyMiles® Platinum American Express Card Review

Delta SkyMiles® Reserve American Express Card 

Best for premium Delta benefits

Delta SkyMiles® Reserve American Express Card is the premium Delta rewards card in the American Express lineup and the only Delta card to grant access to Centurion lounges. You also get access to Delta Sky Club® lounges when you fly Delta. Beginning February 1, 2025, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club®. Once all 15 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club® Visits at a per-Visit rate of $50 per person using the Card. To earn an unlimited number of Visits each year starting on February 1, 2023, the total eligible purchases on the Card must equal $75,000 or more between January 1, 2024 and December 31, 2024, and each calendar year thereafter.

You get a nice welcome offer and some Delta-related benefits, but unless you prefer to fly Delta, the The Platinum Card® from American Express is probably a better value.

• Welcome Offer:  Earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
• Annual Fee: $650
• Rewards:  
  1x miles

  All eligible purchases

  Earn 1X Mile on all other eligible purchases.

  3x miles

  Delta Purchases

  Earn 3X Miles on Delta purchases.

*Terms Apply

Read our Delta SkyMiles® Reserve American Express Card Review

Delta SkyMiles® Blue American Express Card

Best Delta card with $0 annual fee

Delta SkyMiles® Blue American Express Card is the card for you if you prefer to fly Delta but don’t want to pay an annual fee. You earn 2x points on dining, 2x points on Delta purchases, and 1x point on all other purchases. You won’t get access to any fancy airport lounges, but you can take the money you would have spent on an annual fee, buy yourself a pair of noise-canceling headphones and pretend you’re somewhere else.

• Welcome Offer: Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
• Annual Fee:  $0
• Rewards:  
  1x miles

  On all other eligible purchases

  Earn 1X Miles on all other eligible purchases

  2x miles

  Delta Purchases

  Earn 2X Miles per dollar spent on Delta purchases

  2x miles

  Dining

  Earn 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.

*Terms Apply

Read our Delta SkyMiles® Blue American Express Card Review

American Express Hotel Cards

Card	Welcome Offer	Annual Fee
Hilton Honors American Express Card	Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025. (Terms Apply)	$0
Hilton Honors American Express Surpass® Card	Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025. (Terms Apply)	$150
Hilton Honors American Express Aspire Card	Earn 175,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 1/8/2025. (Terms Apply)	$550
Marriott Bonvoy Bevy™ American Express® Card	Earn 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership. (Terms Apply)	$250
Marriott Bonvoy Brilliant® American Express® Card	Earn 95,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. (Terms Apply)	$650

Hilton Honors American Express Card

Best no-annual fee Hilton card

Hilton Honors American Express Card is a great choice for those who enjoy Hilton-branded hotels and don’t want to pay an annual fee. You get a generous welcome offer, 7x on Hilton purchases, 5x points on dining, gas, and groceries and 3x points on everything else. The Hilton brand consists of 584 hotels on six continents, so if you enjoy staying at any of them, this card is a no-brainer.

• Welcome Offer: Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025.
• Annual Fee: $0
• Rewards:  
  3x points

  On all other eligible purchases

  Earn 3X Points for all other eligible purchases on your Card.

  5x points

  U.S. supermarkets

  Earn 5X Points per dollar on purchases at U.S. supermarkets.

  5x points

  Dining

  Earn 5X Points per dollar on purchases at U.S. restaurants.

  5x points

  Gas

  Earn 5X Points per dollar on purchases at U.S. gas stations.

  7x points

  Hotels

  Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.

*Terms Apply

Read our Hilton Honors American Express Card Review

Hilton Honors American Express Surpass® Card 

Best Hilton card overall

Hilton Honors American Express Surpass® Card is the next step up in the Hilton credit lineup. You get a hearty welcome offer and decent ongoing rewards. You also get complimentary Gold status, which gets you 80% more bonus points on stays, room upgrades when available, and a complimentary food and beverage credit. Since the annual fee is reasonable, this card is a good choice if you like Hilton and stay there a few times a year.

• Welcome Offer: Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025.
• Annual Fee: $150
• Rewards:  
  3x points

  On all other eligible purchases

  Earn 3X Points for all other eligible purchases on your Card.

  4x points

  Select Categories

  Earn 4X Points for each dollar on U.S. Online Retail Purchases.

  6x points

  U.S. supermarkets

  Earn 6X Points for each dollar of purchases on your Card at U.S. supermarkets.

  6x points

  Dining

  Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants.

  6x points

  Gas

  Earn 6X Points for each dollar of purchases on your Card at U.S. gas stations.

  12x points

  Hotels

  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.

*Terms Apply

Read our Hilton Honors American Express Surpass® Card Review

Hilton Honors American Express Aspire Card 

Best for premium Hilton benefits

Hilton Honors American Express Aspire Card is the card for you if you love Hilton hotels and prefer to stay there when you travel. There is a lot of value in this card if you use all the benefits. In addition to the welcome offer and rewards, you also get a $250 Hilton Resort statement credit, an annual free night and complimentary Diamond status. Diamond status gets you everything Gold members get, plus 100% bonus points on stays, premium wifi and executive lounge access.

• Welcome Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 1/8/2025.
• Annual Fee: $550
• Rewards:
  3x points

  On all other eligible purchases

  Earn 3x points for each dollar spent on other eligible purchases.

  7x points

  Rental Cars

  Earn 7x points on car rentals booked directly with select car rental companies.

  7x points

  Travel

  Earn 7x points on select travel including flights booked directly with airlines or AmexTravel.com.

  7x points

  Dining

  Earn 7x points on dining at U.S. restaurants, including takeout and delivery.

  14x points

  Hotels

  Earn 14x points for eligible purchases at hotels and resorts in the Hilton portfolio.

*Terms Apply

Read our Hilton Honors American Express Aspire Card Review

Marriott Bonvoy Bevy™ American Express® Card 

Best for casual Marriott fans

Marriott Bonvoy Bevy™ American Express® Card is a mid-tier Marriott rewards card. If the perks and rewards sound familiar, it’s because this card and the Marriott Bonvoy Bountiful™ credit card card are eerily similar. This card offers a solid welcome offer and decent ongoing rewards, plus you get complimentary Gold elite status. To get a free night, however, you’ll need to spend $15,000 on the card in a calendar year.

• Welcome Offer: Earn 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
• Annual Fee: $250
• Rewards:  
  2x points

  On all other eligible purchases

  Earn 2X points on all other eligible purchases with the Marriott Bonvoy Bevy™ Card.

  4x points

  U.S. supermarkets

  Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).

  4x points

  Dining

  Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).

  6x points

  Hotels

  Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.

*Terms Apply

Read our Marriott Bonvoy Bevy™ American Express® Card Review

Marriott Bonvoy Brilliant® American Express® Card 

Best for Marriott superfans

Marriott Bonvoy Brilliant® American Express® Card is the premium Marriott card offered by American Express. It does come with some nice benefits, which might make it a good value, if you use them. In addition to the welcome offer and the rewards, you get a $300 dining statement credit ($25 a month), a $100 property credit when you stay at the Ritz Carlton or the St. Regis, and a free night award each year. You also get Priority Pass access for you and up to two guests when traveling through airports.

• Welcome Offer: Earn 95,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
• Annual Fee: $650
• Rewards:  
  2x points

  On all other eligible purchases

  Earn 2X Marriott Bonvoy® points on all other eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card.

  3x points

  Airfare

  Earn 3X Marriott Bonvoy® points on flights booked directly with airlines.

  3x points

  Dining

  Earn 3X Marriott Bonvoy® points at restaurants worldwide

  6x points

  Hotels

  Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®.

*Terms Apply

Read our Marriott Bonvoy Brilliant® American Express® Card Review

American Express Business Cards

Card	Welcome Offer	Annual Fee
American Express® Business Gold Card	Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* (Terms Apply)	$375
The Business Platinum Card® from American Express	Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. (Terms Apply)	$695
The American Express Blue Business Cash™ Card	Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. (Terms Apply)	No annual fee
The Blue Business® Plus Credit Card from American Express	Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. (Terms Apply)	No annual fee
The Plum Card® from American Express	N/A (Terms Apply)	$250‡
Business Green Rewards Card from American Express	Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. (Terms Apply)	$95
Amazon Business Prime American Express Card	Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card. (Terms Apply)	No annual fee
Amazon Business American Express Card	Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card. (Terms Apply)	No annual fee
Delta SkyMiles® Platinum Business American Express Card	Earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. (Terms Apply)	$350
Delta SkyMiles® Gold Business American Express Card	Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership. (Terms Apply)	$0 introductory annual fee for the first year, then $150
Delta SkyMiles® Reserve Business American Express Card	Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership. (Terms Apply)	$650
The Hilton Honors American Express Business Card	Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 1/8/2025. (Terms Apply)	$195
Marriott Bonvoy Business® American Express® Card	Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. (Terms Apply)	$125
Lowe's Business Rewards Card	Earn 5% Cash Back in the first 6 months on eligible purchases at Lowe's. Earn 2% cash back thereafter. New accounts only. (Terms Apply)	$0

American Express® Business Gold Card

Best business card overall

American Express® Business Gold Card is a great card for small business owners. You get 4x points per $1 on whatever two categories your business spends the most money on each month (up to $150,000 each year). You also get a solid welcome offer and the Pay over Time feature, so this card can act like a credit card.

• Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
• 0% Intro APR: There’s also a 0% Intro APR offer for 6 months from date of account opening on purchases eligible for Pay Over Time, then a 18.74% - 27.74% variable APR.
• Annual Fee: $375
• Rewards:  
  1x points

  On all other eligible purchases

  1X is earned for other eligible purchases.

  3x points

  Airfare

  Earn 3X Membership Rewards® points on flights booked on amextravel.com using your Business Gold Card.

  3x points

  Hotels

  Earn 3X Membership Rewards® points on prepaid hotels booked on amextravel.com using your Business Gold Card.

  4x points

  Select Categories

  Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.

*Terms Apply

Read our American Express® Business Gold Card Review

The Business Platinum Card® from American Express

Best for airport lounge access

The Business Platinum Card® from American Express is a great card for small business owners who frequently travel for work. You get a suite of travel benefits, including Centurion Lounge access. You also get a number of business credits, such as a $400 Dell credit, a $360 Indeed credit, a $150 Adobe credit, and a $120 wireless credit. Enrollment required.

• Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
• Annual Fee: $695
• Rewards:  
  1x points

  On all other eligible purchases

  Earn 1X points for each dollar you spend on eligible purchases.

  1.5x points

  Select Categories

  Earn 1.5X points (that's an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.

  5x points

  Airfare

  5X Membership Rewards® points on flights on AmexTravel.com.

  5x points

  Hotels

  5X Membership Rewards® points on prepaid hotels on amextravel.com.

*Terms Apply

Read our The Business Platinum Card® from American Express Review

The American Express Blue Business Cash™ Card

Best for business owners with low expenses

The American Express Blue Business Cash™ Card is for small business owners who think they’ll put $50,000 or less on this card. You get 2% cash back up to that amount, and 1% on all purchases thereafter. There is a 0% intro APR offer on purchases, so if you need to equip an office or make another large purchase, this card might be a good fit.

• Welcome Offer: Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
• Annual Fee:  No annual fee
• 0% Intro APR Offer: Get 0% intro APR on purchases for the first 12 months from date of account opening. After that, your rate will be 17.74% - 25.74% variable, depending on creditworthiness.
• Rewards:  
  1% cash back

  All eligible purchases

  1% cash back on eligible purchases after spending $50,000.

  2% cash back

  All eligible purchases

  Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.

*Terms Apply

Read our The American Express Blue Business Cash™ Card Review

The Blue Business® Plus Credit Card from American Express 

Best for Membership Rewards® points

The Blue Business® Plus Credit Card from American Express is startlingly similar to the above mentioned The American Express Blue Business Cash™ Card. The main difference is that the The American Express Blue Business Cash™ Card earns cash back and this card earns points. You can redeem points for travel or transfer them to an American Express travel partner. It all depends on how you want to earn rewards.

• Welcome Offer: Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
• Annual Fee: No annual fee
• 0% Intro APR Offer: Get 0% intro APR on purchases for the first 12 months from date of account opening. After that, your rate will be 17.74% - 25.74% variable, depending on creditworthiness.
• Rewards:  
  1x points

  On all other eligible purchases

  1x points on other purchases.

  2x points

  All eligible purchases

  Earn 2x 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. Terms and limitations apply.

*Terms Apply

Read our The Blue Business® Plus Credit Card from American Express Review

The Plum Card® from American Express

Best charge card

The Plum Card® from American Express is a charge card, or what you think of when you think of American Express. In other words, you must pay your balance every month. You can earn a 1.5% early pay discount on eligible charges paid within 10 days of your statement closing date. If you’re having cash flow problems, you can pay the minimum and take another 30 days to pay the rest.

• Welcome Offer: N/A
• Annual Fee: $250‡
• Rewards:  
  1.5% cash back

  All eligible purchases

  Earn unlimited 1.5% cash back on eligible charges when you pay within 10 days of your statement closing date. There's no cap on how much you can earn and no purchase categories, just savings applied to your next statement.

*Terms Apply

Read our The Plum Card® from American Express Review

Business Green Rewards Card from American Express

Best for transferring points

Business Green Rewards Card from American Express is also a charge card, although eligible purchases can be paid off over time. You earn rewards such as 2x points on flights and prepaid hotels, and 1x on everything else. The welcome offer is paid in Membership Rewards^® points, which can be transferred to airline or hotel partners for more value.

• Welcome Offer: Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
• Annual Fee: $95
• Rewards:  
  1x points

  On all other eligible purchases

  Earn 1x point on all other eligible purchases

  2x points

  Travel

  Earn 2x on flights and prepaid hotels booked through amextravel.com

*Terms Apply

Amazon Business Prime American Express Card

Best for Amazon Prime members

Amazon Business Prime American Express Card is a great card for business owners who frequently shop on Amazon. Technically, there is no annual fee, but you’ll need a Prime membership to get the best tier of rewards. You get 5% cash back on Amazon purchases with a Prime membership, but just 3% if you don’t have one.  

• Welcome Offer: Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
• Annual Fee: No annual fee
• Rewards:  
  1% cash back

  On all other eligible purchases

  1% Back on other purchases.

  2% cash back

  Cell phone service

  2% Back on wireless telephone services purchased directly from U.S. service providers.

  2% cash back

  Dining

  2% Back at U.S. restaurants.

  2% cash back

  Gas

  2% Back at U.S. gas stations.

  5% cash back

  Select Categories

  5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter.

*Terms Apply

Read our Amazon Business Prime American Express Card Review

Amazon Business American Express Card 

Best for business owners without a Prime membership

Amazon Business American Express Card is perfect for small business owners who shop on Amazon but don’t want to pay for a Prime membership (currently $139 a year). You’ll get 3% on all Amazon purchases, and 2% cash back on gas, restaurants and wireless phone services.

• Welcome Offer: Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
• Annual Fee:  No annual fee
• Rewards:  
  1% cash back

  On all other eligible purchases

  1% Back on other purchases

  2% cash back

  Cell phone service

  2% cash back on wireless telephone services purchased directly from U.S. service providers

  2% cash back

  Dining

  2% cash back at U.S. restaurants

  2% cash back

  Gas

  2% back at U.S. gas stations

  3% cash back

  Select Categories

  Take advantage of 3% Back and benefit your bottom line or 60 day no-interest terms to free up your cash flow on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market. Earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter.

*Terms Apply

Read our Amazon Business American Express Card Review

Delta SkyMiles® Platinum Business American Express Card

Best for business travelers who prefer Delta

Delta SkyMiles® Platinum Business American Express Card is the card for you if you often travel for business and prefer Delta airlines. In addition to the welcome offer, you also score a round-trip companion ticket when you renew your card. You also save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app.

• Welcome Offer: Earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
• Annual Fee: $350
• Rewards:  
  1x miles

  On all other eligible purchases

  Earn 1x miles on every eligible dollar spent on other purchases

  1.5x miles

  Select Categories

  Earn 1.5X miles on eligible U.S. shipping purchases.

  1.5x miles

  Select Categories

  Earn 1.5X miles on eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.

  1.5x miles

  Transit

  Earn 1.5X miles on eligible transit purchases.

  3x miles

  Delta Purchases

  3 miles on every dollar spent on eligible purchases made directly with Delta.

  3x miles

  Hotels

  3 miles on every eligible dollar spent on purchases made directly with hotels.

*Terms Apply

*Terms Apply

Read our Delta SkyMiles® Platinum Business American Express Card Review

Delta SkyMiles® Gold Business American Express Card 

Best for a few perks on Delta

Delta SkyMiles® Gold Business American Express Card is a good choice if you fly Delta occasionally and want a few perks when you do. You’ll get priority boarding, and your first checked bag is free. Depending on how often you travel, that could make up for the annual fee and then some, especially since the annual fee is waived for the first year. You also get a $200 Delta flight credit if you spend $10,000 in a calendar year.

• Welcome Offer: Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
• Annual Fee: $0 introductory annual fee for the first year, then $150
• Rewards:  
  1x miles

  On all other eligible purchases

  Earn 1 Mile on every eligible dollar spent on other purchases.

  2x miles

  Select Categories

  Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.

  2x miles

  Delta Purchases

  Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta.

  2x miles

  Dining

  Earn 2 Miles on every eligible dollar spent at restaurants.

*Terms Apply.

Read our Delta SkyMiles® Gold Business American Express Card Review

Delta SkyMiles® Reserve Business American Express Card 

Best for premium Delta rewards

Delta SkyMiles® Reserve Business American Express Card is for the jet-setting business traveler who is loyal to Delta airlines. You get a long list of benefits and credits with this card, such as a domestic first-class or main cabin companion ticket each year when you renew.

You also get complimentary access to the Centurion lounge. Beginning February 1, 2025, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club. To earn an unlimited number of Visits each year starting on February 1, 2025, the total eligible purchases on the Card must equal $75,000 or more between January 1, 2024, and December 31, 2024, and each calendar year thereafter. Once all 15 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club Visits (including Grab and Go) at a per-Visit rate of $50 per person using the Card.

If you’re only a casual Delta fan, a more general travel card could suit you better.

• Welcome Offer: Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
• Annual Fee: $650
• Rewards:  
  1x miles

  On all other eligible purchases

  Earn 1X miles on other purchases made using the Delta SkyMiles® Reserve Business Card

  1.5x miles

  Office Supplies

  Earn 1.5X miles on U.S. office supply store purchases

  1.5x miles

  All eligible purchases

  Earn 1.5X miles on all eligible purchases after you spend $150,000 in purchases on your Card in a year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.

  1.5x miles

  Select Categories

  Earn 1.5X miles on eligible U.S. shipping purchases

  1.5x miles

  Transit

  Earn 1.5X miles on eligible transit purchases

  3x miles

  Delta Purchases

  Earn 3x miles on eligible Delta purchases

*Terms Apply

Read our Delta SkyMiles® Reserve Business American Express Card Review

The Hilton Honors American Express Business Card

Best for business owners who prefer Hilton

The Hilton Honors American Express Business Card is perfect for the person who spends a lot of time on the road and prefers Hilton hotels when they stop for the night. Not only do you earn 12x points per dollar spent at Hilton-branded hotels, but you also earn 6x points on business purchases such as shipping providers and wireless services.

• Welcome Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 1/8/2025.
• Annual Fee: $195
• Rewards:  
  5x points

  Select Categories

  Earn 5x Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3x points thereafter.

  12x points

  Hotels

  Earn 12x Hilton Honors Bonus Points on eligible Hilton purchases

*Terms Apply

Read our The Hilton Honors American Express Business Card Review

Marriott Bonvoy Business® American Express® Card

Best for business owners who prefer Marriott

Marriott Bonvoy Business® American Express® Card is a good choice for people who travel frequently and have a strong preference for Marriott-branded hotels. As you might expect, the Marriott-related benefits are great. Other benefits include 4x points at restaurants, wireless telephone services, and shipping. You can also get a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate. Terms Apply.

• Welcome Offer: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership.
• Annual Fee: $125
• Rewards:  
  2x points

  On all other eligible purchases

  Earn 2x points on all other eligible purchases.

  4x points

  Cell phone service

  Earn 4x points on wireless telephone services purchased directly from U.S. service providers.

  4x points

  Select Categories

  Earn 4x points on U.S. purchases for shipping.

  4x points

  Dining

  Earn 4x points for purchases made at restaurants worldwide.

  4x points

  Gas

  Earn 4x points for purchases made at U.S. gas stations.

  6x points

  Hotels

  Earn 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.

*Terms Apply

Read our Marriott Bonvoy Business® American Express® Card Review

Lowe's Business Rewards Card 

Best for Lowe’s shoppers

Lowe's Business Rewards Card is a solid card for those who shop at Lowe’s. You get 5% cash back on Lowe’s purchases, but only for the first 6 months–after that, it’s 2%. There are a lot of 2% cash back cards these days, so after the first six months this card loses a lot of value.

• Welcome Offer: Earn 5% Cash Back in the first 6 months on eligible purchases at Lowe's. Earn 2% cash back thereafter. New accounts only.
• Annual Fee: $0
• Rewards:  
  1% cash back

  On all other eligible purchases

  Earn 1% cash back on other purchases.

  2% cash back

  Cell phone service

  Earn 2% cash back on wireless telephone services purchases directly through U.S. service providers.

  2% cash back

  Office Supplies

  Earn 2% cash back at U.S. office supply stores.

  2% cash back

  Select Categories

  Earn 2% cash back at Lowe's after the first six months.

  2% cash back

  Dining

  Earn 2% cash back at U.S. restaurants.

  5% cash back

  Select Categories

  Earn 5% Cash Back in the first 6 months on eligible purchases at Lowe's. Earn 2% cash back thereafter.

*Terms Apply

All information about Lowe's Business Rewards Card has been collected independently by allCards.com. Lowe's Business Rewards Card is no longer available through allCards.com.

Final Thoughts

There’s an American Express card for every situation, whether you’re a business owner or just trying to maximize your travel rewards. Evaluate how you spend money, and what you need for rewards, and apply away.