Best American Express Credit Cards

American Express boasts a wide variety of credit cards, and it can be overwhelming to parse through them all to find the one right for you. It’s important to weigh your spending habits and lifestyle to better evaluate which card delivers the most value. From travel rewards to cash back – the best American Express credit cards can help you save money, earn rewards and unlock upgraded experiences.

Our team has compiled the list below of the best American Express credit cards.

Best Amex credit card for luxury travel: The Platinum® Card from American Express

The Platinum Card® from American Express
The Platinum Card® from American Express
Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.

Why it’s the best

If you enjoy a more prestigious travel experience, The Platinum Card from American Express offers upgraded perks suited for adventurers. Platinum members enjoy advantages like complimentary access to exclusive lounges. It also carries a generous earning rate of 5X points for flights and prepaid hotels booked through the AmEx travel portal.

With the included Uber VIP status, cardmembers will receive free rides in the U.S. up to $15 each month plus a bonus $20 in December. In total, you can save nearly $200 in rideshare costs annually. Members will also receive a $200 Airline Fee Credit per calendar year, so you can recoup traveling expenses like baggage fees. Although the annual fee of $550 is steep for a travel rewards card, you can easily neutralize the cost if you travel regularly and consider perks like airport lounge access an important part of your trips.

Bonus points:

  • Airport lounge access: This card boasts access to over 1,2000 lounges in more than 500 airports in 130 countries.
  • Platinum Travel Service: Travel Counselors can assist you with your travel plans.
  • Hotel Elite status: Members receive enrollment in both Hilton Honors Gold and Marriot Bonvoy Gold Elite, which offers benefits like room upgrades and a fast track to more reward stays.

Best Amex credit card for cash back: American Express Blue Cash Preferred®

Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.

Why it’s the best

For big spenders in categories like commuting, supermarkets, gas stations and streaming subscriptions, you can’t go wrong with the American Express Blue Cash Preferred. It delivers a leading cash back rate of 6% cash back at U.S. supermarkets up to $6,000 a year, then 1% once that threshold is reached. Love Netflix? Cardmembers also get 6% cash back on U.S. streaming subscriptions. Plus, you can get 3% cash back at U.S. gas stations and other commuting expenses like taxis, rideshares, parking, trains and buses.

The $95 annual fee for this card is easily overcome with the welcome bonus that’s conveniently paired with a low spending target. You can earn a $250 statement credit after you spend a reasonable $1,000 in purchases on your new card within three months of the card’s activation.

Bonus points:

  • No interest for 12 months: Shop without worrying about extra fees from interest charges for an entire year.
  • Plan it®: Some large purchases may be eligible for the Plan it financing program that allows you prepare for a large purchase with no interest charges, just the monthly fee shown upfront. 

Best Amex credit card for balance transfers: American Express EveryDay® Credit Card

The Amex EveryDay® Credit Card from American Express
The Amex EveryDay® Credit Card from American Express
2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x).

Why it’s the best

For credit users looking to transfer a balance from a high-interest card, the Amex EveryDay Credit Card is a prudent option. It offers the holy grail of benefits in the form of a $0 introductory balance transfer fee, a $0 annual fee and a 0% introductory APR period.

Most balance transfer credit cards are geared toward credit users who are trying to eliminate debt, but this particular Amex card offers the chance to earn rewards, a rarity in this category. You can earn 10,000 Membership Rewards® points after spending $1,000 during the first three months of card activation and earn 2X points at U.S. supermarkets on up to $6,000 per year in purchases (then 1X.)

Bonus points:

  • Payment flexibility: Cardmembers can carry a balance with interest or pay in full each month, depending on individual spending and financial needs. 
  • 20% more points: If you use your card 20 or more times on purchases during a billing period, you can earn 20% more points on those purchases.

Best Amex credit card for business frequent flyers: American Express Business® Platinum Card

Why it’s the best

If you’re a frequent business flyer, you may want to consider the Business Platinum Card from Amex. Cardmembers earn 5X points on travel plus global lounge access, so you can get work done in quiet and privacy. The steep annual fee can be essentially eliminated if you take advantage of perks like the reimbursement for Global Entry or TSA PreCheck application fees as well as the $200 airline fee credit.

When you book your flights through the American Express travel portal, you can get a 35% airline bonus. With this perk alone, you can receive up to 500,000 points back per calendar year. Big business spending also results in a boost of points. Spend $5,000 or more for a purchase using your Amex Business Platinum, and you can earn 1.5X points per dollar, up to one million additional points.

Bonus points:

  • Year-end summary: Review your annual business travel spending and charges. 
  • American Express Business App: Add receipts, add notes and categorize transactions for easier expense tracking. 

Best Amex credit card for Delta airline loyalists: Delta SkyMiles® Gold Card from American Express

Delta SkyMiles® Gold American Express Card
Delta SkyMiles® Gold American Express Card
Earn up to 70,000 bonus miles. Earn 60,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months. Plus, earn an additional 10,000 bonus miles after your first anniversary of Card Membership. Offer Expires 4/1/2020.

Why it’s the best

If you frequently fly Delta, but you’re not at elite status, this co-branded credit card from Amex can provide you with worthwhile benefits. The annual fee of $95 is waived the first year, so you can focus on optimizing those valuable perks. For example, cardmembers can earn 30,000 Delta miles after spending $1,000 within the first three months. On top of that, you can earn a $50 statement credit after making a Delta purchase within the first three months.

Bonus points:

  • Priority boarding: On all Delta flights, you’ll enjoy priority boarding so you can get settled before anyone else.
  • In-flight discounts: Enjoy a 20% discount on in-flight purchases.

Best Amex credit card for Hilton hotel loyalists: Hilton Honors Aspire Card from American Express

Why it’s the best

Hilton loyalists will extract a ton of value from the Hilton Honors Aspire Card from American Express Aspire. For example, you can earn 14X Hilton Honors bonus points when you use your card on eligible purchases at participating hotels or resorts within the Hilton family. You can also earn 7X Hilton Honors bonus points for flights booked directly with airlines or through the Amex travel portal, car rentals booked from select companies and dining expenses at U.S. restaurants. Earn 3X Hilton Honors bonus points on all other purchases. With these kinds of earning rates, you can easily rack up free stays and other exclusive benefits.

Members will also automatically receive complimentary Hilton Honors Diamond status which offers members advantages like automatic room upgrades when available.

Bonus points:

  • Weekend night reward: After every year of card renewal, members will get one complimentary weekend night stay at a Hilton hotel.
  • Statement credit: Members can earn a $250 Hilton Resort statement credit for each year of card membership.

Michelle Wilson

Michelle Wilson is a San Diego-based writer specializing in the topics of personal finance, technology, and culture. You can find her writing on sites such as HP Tech Takes, The Simple Dollar, and San Diego Magazine. In her spare time, she enjoys finding new cats to follow on Instagram.