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You are here: Home / Credit Cards / Best American Express Credit Cards of 2022

Best American Express Credit Cards of 2022

May 4, 2020 by Rob Berger

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

Table of Contents
  • Blue Cash Preferred Card from American Express
  • American Express Gold Card
  • The Platinum Card from American Express
  • American Express Cash Magnet Card

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 $95 annual fee is well worth the cost. The $300 statement credit after you spend $3,000 in purchases on your new card in your first helps, too.

Blue Cash Preferred Card from American Express

Blue Cash Preferred® Card from American Express
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Blue Cash Preferred® Card from American Express
  • Welcome Bonus: $300 statement credit after you spend $3,000 on purchases with the card in the first 6 months.
  • Cash Back:
    • 6% at U.S. supermarkets up to $6,000 per year in purchases (then 1%), and 6% Cash Back on select U.S. streaming subscriptions including Spotify, Netflix, Hulu, HBO, ShowTime, Pandora, Apple Music, Amazon Music or Video (Does not include Prime membership).
    • Earn 3% at U.S. gas stations and on transit including taxis/rideshare, parking, tolls, trains, buses and more.
    • 1% on all other purchases. Terms and limitations apply.
  • Annual Fee: $0 introductory annual fee for the first year, then $95
  • 0% APR on purchases for 12 months, then an ongoing variable APR of 14.74% - 24.74%.
  • Terms Apply. (See Rates & Fees)

Pros & Cons

What we like

  • Up to 6% cash back at U.S. supermarkets
  • Up to 6% cash back on U.S. streaming services
  • Up to 3% cash back at U.S. gas stations and transit
  • Excellent welcome bonus
  • Amex customer services

What could be better

  • Annual fee
  • Spending cap on 6% cash back at U.S. supermarkets

American Express Gold Card

American Express Gold Card
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American Express Gold Card
  • Welcome Offer: Earn 60,000 Membership Rewards points after spending $4,000 within your first 6 months.
  • Earn 4X Membership Rewards points at restaurants in the U.S. This includes takeout and delivery.
  • Earn 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).
  • Earn 3X Membership Rewards points on flights booked directly with airlines or on amextravel.com.
  • 1X points on other purchases.
  • $120 Uber Cash: Add your Gold card to your Uber account and each month you’ll get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S.
  • $120 Dining Credit: Earn up to $10 in statement credits each month when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factor, Ruth’s Chris, Boxed, and participating Shake Shacks. Enrollment required.
  • No Foreign Transaction Fees, making this an excellent card for international travel.
  • Annual Fee: $250.
  • Rose Gold is back. Choose between Gold or Rose Gold.
  • Terms Apply. (See Rates & Fees)

Pros & Cons

What we like

  • Welcome bonus
  • No foreign transaction fees
  • $120 Dining Credit
  • $100 Airline Fee Credit
  • Earn up to 4x Membership Rewards points
  • Payment Flexibility

What could be better

  • High annual fee ($250)
  • Dining Credit is only available at select locations
  • Can only redeem points for travel through amex travel

The Platinum Card from American Express

The Platinum Card® from American Express
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The Platinum Card® from American Express
  • Welcome Offer: Earn 75,000 100,000 Membership Rewards points after you spend $6,000 on purchases with the card in the first 6 months.
  • Earn 5X points on for flights booked directly with airlines or with American Express Travel, up to $500,000 on these purchases per calendar year, and on prepaid hotels booked with American Express Travel.
  • Credits: The card now offers a number of credits, including a $200 Hotel Credit (2-night minimum stay required), $240 Digital Entertainment Credit, $200 Airline Fee Credit, $200 Uber Cash, $300 Equinox Credit, and a  $179 CLEAR Credit.  See terms and conditions.
  • $695 annual fee.
  • Terms Apply. (See Rates & Fees)

Pros & Cons

What we like

  • Up to 10x membership rewards points
  • Welcome bonus of 100,000 Membership Rewards points when you spend $6,000 on the card in the first 6 months
  • Numerous credits that can more than make up for the annual fee
  • Add an additional card which earns you points for their purchases

What could be better

  • High Annual Membership of $695
  • High APR on cash advances and Pay Over Time balance
  • Limits on where you must book flights and hotels to earn enhanced rewards

American Express Cash Magnet Card

American Express Cash Magnet® Card
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American Express Cash Magnet® Card
  • Welcome Offer: Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Unlimited 1.5% Cash Back on your purchases.
  • Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • 0% for 15 months on purchases and balance transfers, then 13.99% - 23.99% Variable.
  • No Annual Fee.
  • Terms Apply. (See Rates & Fees)

Pros & Cons

What we like

  • 1.5% cash back on all purchases
  • Welcome bonus
  • No annual fee

What could be better

  • Welcome bonus requires high spend
  • No bonus cash back categories
  • Amex is not as widely accepted as Visa or Mastercard

About Rob Berger

Rob Berger is the founder of allCards.com. He's written about personal finance and investing since 2007 and is the author of the highly acclaimed book, Retire Before Mom and Dad. He is a former litigation attorney in the securities field and the Founding Editor of Forbes Advisor.

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About Allcards.com

Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad. He currently serves as the Deputy Editor of Forbes Money Advisor.

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