Best American Express Credit Cards of 2024

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

CardWelcome OfferAnnual Fee
Blue Cash Preferred® Card from American Express 

Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

$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 with your new Card within the first 6 months of Card Membership.

$250
The Platinum Card® from American Express 

Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.

$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.

$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.

$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.

$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.

$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.

$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 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 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% APR on purchases for the first 12 months, then a variable rate of 19.24% - 29.99%, depending on creditworthiness
  • Rewards:
    1% cash back
    On all other eligible purchases
    1% cash back on all other eligible purchases
    3% cash back
    Gas
    3% cash back at U.S. gas stations
    3% cash back
    Transit
    3% cash back on transit, such as taxis, rideshare, parking, tolls, trains and buses
    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

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, including takeout and delivery, 4x at U.S. supermarkets (both subject to a spending cap), and 3x on flights booked through American Express. Once you add your card to your Uber account, you can get a $10 statement credit every month for rides and Uber Eats delivery (up to $120 a year). 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 with your new Card within the first 6 months of Card Membership.
  • Annual Fee: $250
  • Rewards: 
    1x points
    On all other eligible purchases
    1x points on all other eligible purchases
    3x points
    Airfare
    3x points on flights booked directly with airlines or on amextravel.com
    4x points
    U.S. supermarkets
    4x points at U.S. supermarkets on up to $25,000 in purchases per year.
    4x points
    Dining
    4x points at restaurants worldwide, plus takeout and delivery in the U.S.

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), a $300 Equinox credit 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 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 on other purchases
    5x points
    Airfare
    5x points on flights booked directly with airlines or with American Express Travel, on up to $500,000 on these purchases each calendar year
    5x points
    Hotels
    5x points on prepaid hotels booked on amextravel.com

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% APR on balance transfers for 15 months. You can pay off higher interest debt and then keep it for the rewards on groceries and gas.

  • 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% APR Offer: Get 0% APR on balance transfers for 15 months. After that, your rate will be 19.24% - 29.99% variable, depending on creditworthiness.
  • Rewards:
    1% cash back
    On all other eligible purchases
    1% cash back on all other eligible 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%.

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% 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% APR Offer: Get 0% 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

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% APR Offer: Get 0% 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.

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% APR Offer: Get 0% 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

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 $189 Clear 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.

Read our American Express® Green Card Review


American Express Airline Cards

CardWelcome OfferAnnual Fee
Delta SkyMiles® Gold American Express CardEarn 70,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months.

 $0 introductory annual fee for the first year, then $150.

Delta SkyMiles® Platinum American Express Card 

Earn 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months.

 $350

Delta SkyMiles® Reserve American Express Card 

Earn 100,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months.

 $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.

 $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 in a calendar year), 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 70,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months.   
  • Annual Fee: $0 introductory annual fee for the first year, then $150.  
  • Rewards:  
    1x miles
    On all other eligible purchases
    Earn 1X Mile 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, which gets your guest round trip airfare for free (Minus taxes and fees. Terms Apply.) when they travel with you.

  • Welcome Offer: Earn 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months.
  • Annual Fee: $350
  • Rewards:
    1x miles
    On all other eligible purchases
    Earn 1X Mile 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. 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, 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 100,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months.
  • 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.

Read our Delta SkyMiles® Blue American Express Card Review


American Express Hotel Cards

CardWelcome OfferAnnual 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 4/17/24.

$0

Hilton Honors American Express Surpass® Card 

Earn 155,000 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.

$150

Hilton Honors American Express Aspire Card 

Earn 150,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership.

$550

Marriott Bonvoy Bevy™ American Express® Card 

Earn 155,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.

$250

Marriott Bonvoy Brilliant® American Express® Card 

Earn 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

$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 4/17/24.
  • 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.

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 155,000 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.
  • 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.

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 150,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership.
  • 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.

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 155,000 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.
    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.

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 185,000 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 points on all other eligible purchases.
    3x points
    Airfare
    Earn 3X points on flights booked directly with airlines.
    3x points
    Dining
    Earn 3X points at restaurants worldwide.
    6x points
    Hotels
    Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®.

Read our Marriott Bonvoy Brilliant® American Express® Card Review


American Express Business Cards

CardWelcome OfferAnnual Fee
American Express® Business Gold Card 


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.*

$375

The Business Platinum Card® from American Express 

Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.

$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.

 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.

No annual fee

The Plum Card® from American Express 

N/A

$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.

$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.

No annual fee

Amazon Business American Express Card 

Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.

 No annual fee

Delta SkyMiles® Platinum Business American Express Card 

Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 3/27/24.

$350
Delta SkyMiles® Gold Business American Express Card 

Earn 80,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 3/27/24.

$0 introductory annual fee for the first year, then $150

Delta SkyMiles® Reserve Business American Express Card 

Earn 110,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 3/27/24.

$650

The Hilton Honors American Express Business Card 

Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership.

$95

Marriott Bonvoy Business® American Express® Card 

Earn five Free Night Awards after you use your new Card to make $8,000 in eligible purchases within the first 6 months of Card Membership. Redemption level up to 50,000 Marriott Bonvoy® points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Offer Ends 3/20/24.

$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.

$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 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.*
  • Annual Fee: $375
  • Rewards:  
    1x points
    On all other eligible purchases
    1X is earned for other eligible purchases.
    3x points
    Airfare
    Earn 3x on flights booked through American Express Travel
    3x points
    Hotels
    Earn 3x on prepaid hotels booked through American Express Travel
    4x points
    Select Categories
    Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories.

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.

  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your 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 U.S. 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 everywhere else, on up to $2 million of these purchases per calendar year.
    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.

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% 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% APR Offer: Get 0% APR on purchases for the first 12 months from date of account opening. After that, your rate will be 18.49% - 26.49% variable, depending on creditworthiness.
  • Rewards:  
    1% cash back
    All eligible purchases
    1% cash back 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.

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 Membership Rewards® Points. You can redeem them 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% APR Offer: Get 0% APR on purchases for the first 12 months from date of account opening. After that, your rate will be 18.49% - 26.49% variable, depending on creditworthiness.
  • Rewards:  
    1x points
    On all other eligible purchases
    2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
    2x points
    All eligible purchases
    Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.

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 do get a 1.5% early pay discount, and 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.

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

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.

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
    3% Back or 60 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market. You will earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter

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 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 3/27/24.
  • 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

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 80,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 3/27/24.
  • 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 110,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 3/27/24.
  • 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 per dollar on Delta purchases.

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 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership.
  • Annual Fee: $95
  • Rewards:  
    3x points
    On all other eligible purchases
    3X on all other eligible purchases.
    6x points
    Cell phone service
    6X on wireless telephone services purchased directly from U.S. service providers.
    6x points
    Select Categories
    Earn 6X on U.S. purchases for shipping.
    6x points
    Airfare
    6X on flights booked directly with airlines or with Amex Travel.
    6x points
    Rental Cars
    6X on car rentals booked directly from select car rental companies.
    6x points
    Dining
    6X at U.S. restaurants.
    6x points
    Gas
    6X at U.S. gas stations.
    12x points
    Hotels
    12X directly with hotels and resorts in the Hilton portfolio.

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 five Free Night Awards after you use your new Card to make $8,000 in eligible purchases within the first 6 months of Card Membership. Redemption level up to 50,000 Marriott Bonvoy® points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Offer Ends 3/20/24.
  • 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.

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.

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.