American Express Credit Cards - Best & Latest Offers

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BEST FOR LUXURY TRAVEL PERKS

The Platinum Card® from American Express

Our rating:4.8

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Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

5X: Earn 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: Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

Intro offer: Earn 80,000 points 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

Regular APR: See Pay Over Time APR

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

See if you’re pre-approved for this card using our CardMatch tool.

Overall rating

Our rating:4.8

Rating methodology

Rewards Value:: 5.0
Annual Percentage Rate:: 4.0
Rewards Flexibility:: 4.0
Features:: 5.0
Issuer Customer Experience:: 5.0

Why we like this card

If you’re a frequent traveler looking for top drawer perks, trip protections, and valuable credits, The Platinum Card® from American Express is a strong choice. The $695 annual fee is high but jetsetters will have no trouble recouping that in a few trips. Cardmembers earn 5X points on flights booked directly with airlines or through American Express Travel (up to $500,000 on these purchases per calendar year), as well as 5X points on eligible hotels booked through American Express Travel. All other eligible purchases earn 1X points.

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Pros

This card includes perks such as lounge access, a statement credit for Global Entry or TSA Precheck, Uber Cash credit annually (on U.S. rides and eats), up to a $199 CLEAR® Plus annual credit for your membership, Hilton Honors gold status (enrollment required) and Uber VIP status.
There are no blackout dates.

Cons

Travel rewards must be redeemed through American Express Travel.
If you don’t travel often, you may be better served by a card with a lower annual fee.

Bottom Line

Eager travelers will find a lot of value in this luxury travel card, from its long list of perks, credits, and travel protections to its decent rewards rate and welcome bonus.

Highlights

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.
Earn 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 and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
$155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
$200 Uber Cash: Platinum Card® Members can get out and about and explore their local area with $15 in Uber Cash for US rides each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. Simply download the Uber app and add your Platinum Card® to your Uber account to get started. Available to Basic Card Member only. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
$199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
$695 annual fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Rates & Fees

See Rates & Fees

Annual Fee: $695
Intro Purchase APR: N/A
Regular APR: See Pay Over Time APR
Intro Balance Transfers APR: N/A

BEST FOR DINING REWARDS

American Express® Gold Card

Our rating:4.9

See Rates & Fees, Terms Apply

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Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

4X: 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.
4X: 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.
3X: Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
2X: Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
1X: Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.

Intro offer: 60,000 points 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

Regular APR: See Pay Over Time APR

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

See if you’re pre-approved for this card using our CardMatch tool.

Overall rating

Our rating:4.9

Rating methodology

Rewards Value:: 4.7
Annual Percentage Rate:: 2.0
Rewards Flexibility:: 4.0
Features:: 4.0
Issuer Customer Experience:: 5.0

Why we like this card

The American Express Gold Card offers excellent reward rates across a range of categories, making it easy to earn rewards. Cardmembers earn 3X points on flights booked directly with airlines or through AmexTravel.com, 4X points at restaurants worldwide on up to $50,000 in purchases per calendar year (then 1x), and 4X points at U.S. supermarkets on up to $25,000 in purchases per calendar year (then 1X). The card also includes a decent introductory offer of 60,000 points after spending $6,000 in the first six months of account opening. There’s also a fair amount of annual food related perks including a generous dining credit (enrollment required).

Read the full review

Pros

There are no foreign transaction fees.
There are a lot of airline transfer partners, including Delta.

Cons

The annual fee of $325 may be more than some are willing to spend.
Many of this card’s credits carry caveats that can make them a bit confusing to capitalize on.

Bottom Line

This is a well-rounded card with a high rewards rate in multiple categories. Frequent travelers, in particular, will find value in its travel credits, while foodies will appreciate the generous dining credits.

Highlights

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.
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.
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.
Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
$84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations.
$100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
$120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
No Foreign Transaction Fees.
Annual Fee is $325.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Rates & Fees

See Rates & Fees

Annual Fee: $325
Intro Purchase APR: N/A
Regular APR: See Pay Over Time APR
Intro Balance Transfers APR: N/A

BEST FOR NO ANNUAL FEE

Blue Cash Everyday® Card from American Express

Our rating:4.8

See Rates & Fees, Terms Apply

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Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Apply now

Rewards rate

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

Intro offer: Earn $200 Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

Annual fee: $0

Regular APR: 18.24% - 29.24% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

See if you’re pre-approved for this card using our CardMatch tool.

Overall rating

Our rating:4.8

Rating methodology

Rewards Value:: 4.0
Annual Percentage Rate:: 1.0
Rewards Flexibility:: 2.0
Features:: 3.0
Issuer Customer Experience: 5.0

Why we like this card

The Blue Cash Everyday Card offers excellent cash back at U.S. supermarkets, U.S. gas stations and on U.S. online retail purchases, but with no annual fee. For daily commuters and households with big grocery bills, these high reward rates could quickly pay off.

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Pros

Cardholders can earn a $200 statement credit after you spend $2,000 in purchases within the first six months.
There are no rotating categories or enrollments to keep track of.

Cons

Rewards cannot be transferred or combined with other cards.
The 3% cash back rate is capped at $6,000 in purchases annually in each category then drops to 1%.

Bottom Line

For big households and road warriors, these featured rewards categories make everyday purchases especially valuable. Also noteworthy: the intro APR on purchases and balance transfers is ideal for anyone hoping to finance a large purchase or pay off some debt.

Highlights

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.24% to 29.24% variable APR.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Rates & Fees

See Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% on purchases for 15 months
Regular APR: 18.24%-29.24% Variable
Intro Balance Transfers APR: 0% on balance transfers for 15 months

More Cards from American Express

BEST FOR HIGH CASH BACK RATES

Blue Cash Preferred® Card from American Express

Our rating:4.6

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Rewards rate

6%: 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6%: 6% Cash Back on select U.S. streaming subscriptions.
3%: 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
3%: 3% Cash Back at U.S. gas stations
1%: 1% Cash Back on other purchases

Intro offer: Earn $250 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.

Regular APR: 18.24% - 29.24% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

See if you’re pre-approved for this card using our CardMatch tool.

Overall rating

Our rating:4.6

Rating methodology

Rewards Value:: 5.0
Annual Percentage Rate:: 1.0
Rewards Flexibility:: 3.0
Features:: 3.0
Issuer Customer Experience: 5.0

Why we like this card

Earn a whopping 6% cash back at U.S. supermarkets (up to $6,000 in purchases per year, then 1%) as well as on select U.S. streaming subscriptions, plus earn 3% cash back at U.S. gas stations and public transit. General purchases earn 1% cash back. As if that weren’t enough, you earn a $250 statement credit after you spend $3,000 in eligible purchases within the first six months.

Read the full review

Pros

Rewards can be redeemed for previous purchases.
There’s no enrollment required and no rotating categories to keep track of.

Cons

The 6% bonus at U.S. supermarkets is excellent, but it’s capped to $6,000 in annual purchases, then 1%.
In addition, the 3% and 6% rewards are only applicable to U.S. purchases.

Bottom Line

Any household that spends a considerable amount of its monthly budget on groceries, gas or transit will appreciate the high rewards rate offered by the Blue Cash Preferred® Card from American Express. Yes, there’s an ongoing $95 annual fee ($0 intro annual fee for the first year) though it’s easily recouped after a few trips to the supermarket.

Highlights

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.24% - 29.24%.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations.
3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
$84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Rates & Fees

Annual Fee: $0 intro annual fee for the first year, then $95.
Intro Purchase APR: 0% on purchases for 12 months
Regular APR: 18.24%-29.24% Variable
Intro Balance Transfers APR: 0% on balance transfers for 12 months

BEST FOR SMALL BUSINESS TRAVEL

American Express® Business Gold Card

Our rating:4.4

See Rates & Fees, Terms Apply

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Rewards rate

4X: 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.*
3X: Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
1X: 1X is earned for other purchases. **

Intro offer: Earn 100,000 points 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.*

Annual fee: $375

Regular APR: 18.49% - 27.49% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.4

Rating methodology

Rewards Value: 2.7
Annual Percentage Rate: 0.3
Rewards Flexibility: 3.7
Features: 3.8
Issuer Customer Experience: 4.6

Why we like this card

As an introductory bonus, small business owners earn 100,000 points after spending $15,000 on eligible purchases within the first three months of card membership. Plus, earn 4X points on your top two eligible spending categories where your business spends the most each billing cycle (out of six eligible categories), up to $150,000 in purchases annually, then 1X.

Read the full review

Pros

There are no blackout dates.
Points can be transferred to 16 partner airlines.

Cons

If you’re hoping to redeem for anything beyond travel, you may be underwhelmed by redemption options.
The annual fee is much higher than cards with similar offers.

Bottom Line

The travel protections and frills offered by this card are a good fit for small business owners who are frequently on the road.

Highlights

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 ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 27.49% variable APR.*
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.*
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
*Terms Apply

Rates & Fees

Annual Fee: $375
Intro Purchase APR: 0% on purchases for 6 months from the date of account opening
Regular APR: 18.49% - 27.49% Variable
Intro Balance Transfers APR: N/A

BEST FOR LUXURY BUSINESS TRAVEL PERKS

The Business Platinum Card® from American Express

Our rating:4.9

See Rates & Fees, Terms Apply

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Rewards rate

5X: 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com
1.5X: 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.
1X: 1X points for each dollar you spend on eligible purchases.

Intro offer: Earn 150,000 points 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

Regular APR: 18.49% - 27.49% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.9

Rating methodology

Rewards Value: 5.0
Annual Percentage Rate: 1.0
Rewards Flexibility: 3.0
Features: 5.0
Issuer Customer Experience: 5.0

Why we like this card

Big business spenders can earn 150,000 points after spending $20,000 on eligible purchases within the first three months of account opening. Plus, cardmembers can receive a 35% airline bonus on points redeemed through amextravel.com on your select qualifying airline (up to 1,000,000 points per calendar year).

With a whopper of an introductory bonus and excellent travel benefits, the Business Platinum Card from American Express is a solid card for high-spending business owners on the go.

Read the full review

Pros

Cardmembers have access to over 1,400 airport lounges around the world.
There are no blackout dates and points don’t expire as long as the account remains in good standing.

Cons

Travel must be redeemed through the American Express Travel portal.
There is a fee to transfer points to airline loyalty programs.

Bottom Line

A range of luxury travel perks and trip protections – not to mention a sizable welcome bonus – make the Business Platinum Card from American Express an excellent match for business travelers after a high-end travel experience.

Highlights

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.
5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
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.
Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
$199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
$695 Annual Fee.
Terms Apply.

Rates & Fees

Annual Fee: $695
Intro Purchase APR: N/A
Regular APR: 18.49% - 27.49% Variable
Intro Balance Transfers APR: N/A

BEST FOR DELTA-LOYAL SMALL BUSINESS OWNERS

Delta SkyMiles® Gold Business American Express Card

Our rating:4.3

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Rewards rate

2X: 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: Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
1X: Earn 1 Mile on every eligible dollar spent on purchases.

Intro offer: Earn 60,000 Bonus Miles 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

Regular APR: 19.99% - 28.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.3

Rating methodology

Rewards Value: 3.0
Annual Percentage Rate: 5.0
Rewards Flexibility: 4.0
Features: 4.0
Issuer Customer Experience: 5.0

Why we like this card

Delta die-hards can earn 2X miles on direct Delta purchases and at restaurants, 2X miles on U.S. purchases for advertising select media and U.S. shipping purchases (on up to $50,000 in eligible purchases per category, per year), plus 1X miles on all eligible purchases. Members can also earn a credit worth up to $200 on future Delta flights after spending $10,000 in a calendar year. In addition, the $150 annual fee has an introductory $0 annual fee for the first year.

Read the full review

Pros

Miles may be redeemed for one-way flights.
Miles never expire and there are no blackout dates.

Cons

The fuel surcharge on international rewards flights can be very high in some cases.
Rewards flights booked via the telephone incur a $25 booking fee, or $35 for flights booked in a ticket office, in select European countries.

Bottom Line

Delta enthusiasts will find plenty to like about the Delta SkyMiles® Gold Business American Express Card, including a generous welcome offer, high rewards rate on Delta purchases and several handy travel perks to take the sting out of flying.

Highlights

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.
$0 introductory annual fee for the first year, then $150
Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Additionally, you can receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
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.
Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
Earn 1 Mile on every eligible dollar spent on other purchases.
Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Zone 5 Priority Boarding.
Elevate your travel experience with an annual statement credit of up to $150 after using your Delta SkyMiles® Gold Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
Pay no foreign transaction fees when you travel overseas.
Terms and limitations apply.

Rates & Fees

Annual Fee: $0 introductory annual fee for the first year, then $150
Intro Purchase APR: N/A
Regular APR: 19.99% - 28.99% Variable
Intro Balance Transfers APR: N/A

BEST FOR HILTON HOTEL STAYS

Hilton Honors American Express Surpass® Card

Our rating:4.7

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Rewards rate

12X: 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.
6X: Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
4X: Earn 4X Points for each dollar on U.S. Online Retail Purchases.
3X: Earn 3X Points for all other eligible purchases on your Card.

Intro offer: Earn 165,000 points 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

Regular APR: 19.99% - 28.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.7

Rating methodology

Rewards Value:: 4.3
Annual Percentage Rate:: 3.0
Rewards Flexibility:: 4.0
Features:: 3.0
Issuer Customer Experience: 5.0

Why we like this card

With this card, Hilton loyalists earn 12X points at participating Hilton hotels and resorts, as well as 6X points at U.S. restaurants, supermarkets, and gas stations. All other eligible purchases earn 3X points. Cardmembers also receive automatic Gold Status plus complimentary National Car Rental® Emerald Club Executive® status.

You’ll earn 165,000 points after spending $3,000 on eligible purchases within the first six months of opening the account.

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Pros

Points never expire as long as the card remains active.
Points can be used to upgrade reservations.

Cons

Beyond hotel stays, redemption options are limited.
Reward rates for regular rooms are sometimes inflated to premium rates.

Bottom Line

With its generous welcome bonus and high rewards rate on not only Hilton stays but general purchases, racking up points is easy.

Highlights

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.
Get up to $200 back each year on eligible Hilton purchases after you use your Hilton Honors American Express Surpass® Card.
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.
Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 4X Points for each dollar on U.S. Online Retail Purchases.
Earn 3X Points for all other eligible purchases on your Card.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
Enjoy complimentary Hilton Honors ™ Gold Status with your Hilton Honors American Express Surpass® Card.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors™ Diamond Status through the end of the next calendar year.
Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
$150 annual fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Rates & Fees

Annual Fee: $150
Intro Purchase APR: N/A
Regular APR: 19.99%-28.99% Variable
Intro Balance Transfers APR: N/A

BEST FOR STATUS-CHASING BUSINESS TRAVELERS

Delta SkyMiles® Platinum Business American Express Card

Our rating:4.8

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Rewards rate

1.5X: Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single 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.

Intro offer: Earn 70,000 Bonus Miles 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

Regular APR: 19.99% - 28.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.8

Rating methodology

Rewards Value: 5.0
Annual Percentage Rate: 4.0
Rewards Flexibility: 4.0
Features: 5.0
Issuer Customer Experience: 5.0

Why we like this card

You earn 3X miles on direct Delta purchases, as well as purchases made directly with hotels. All other eligible purchases earn 1X miles. This all comes with Delta perks such as a companion fare, a complimentary checked bag, priority boarding, 20% discount on in-flight items, and discounted Delta Sky Club access.

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Pros

There are no blackout dates on Delta flights.
You may book with miles combined with cash on some flights.

Cons

Fuel surcharges can be very high on some international flights.
There is a $25 fee for phone bookings. Ticket office bookings cost $35.

Bottom Line

If your ultimate goal is to snag Delta status, this card can put you on the right track, all while you enjoy Delta frills like priority boarding and a complimentary checked bag.

Highlights

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.
Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles® Platinum Business American Express Card. The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single 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.
Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
Earn up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Terms and limitations apply.

Rates & Fees

Annual Fee: $350
Intro Purchase APR: N/A
Regular APR: 19.99% - 28.99% Variable
Intro Balance Transfers APR: N/A

BEST FOR CASH BACK REWARDS FOR BUSINESS

The American Express Blue Business Cash™ Card

Our rating:4.3

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Rewards rate

2%: Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
1%: 1% cash back on all eligible purchases after spending $50,000 per calendar year.

Intro offer: $250 statement credit 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

Regular APR: 17.49% - 25.49% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.3

Rating methodology

Rewards Value: 3.0
Annual Percentage Rate: 4.0
Rewards Flexibility: 5.0
Features: 4.0
Issuer Customer Experience: 5.0

Why we like this card

Business owners can earn a high cash back of 2% on all eligible purchases up to $50,000 per calendar year, then 1% on all eligible purchases after. Plus, the Blue Business Cash’s favorable APR rates, Working Capital Terms and flexible credit limit could provide your business with cash should it ever need it. You can also earn a $250 statement credit after you make $3,000 in purchases in your first three months. All this and no annual fee.

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Pros

There’s no annual fee for this card.
Cash back is applied as a statement credit at the end of each billing cycle.

Cons

The 2% cash back rate is limited to $50,000 in purchases annually (then 1%).
Big business spenders may be able to find a more lucrative business credit card, albeit for an annual fee.

Bottom Line

Besides a generous cash back rate, The American Express Blue Business Cash™ Card offers an excellent range of financing options if your business needs cash flow assistance.

Highlights

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 25.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
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.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
No Annual Fee
Terms Apply

Rates & Fees

Annual Fee: No annual fee
Intro Purchase APR: 0% on purchases for 12 months from date of account opening
Regular APR: 17.49% - 25.49% Variable
Intro Balance Transfers APR: N/A

BEST FOR DELTA PERKS

Delta SkyMiles® Reserve Business American Express Card

Our rating:4.7

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Rewards rate

3X: Earn 3 miles per dollar on eligible Delta purchases.

Intro offer: Earn 80,000 Bonus Miles 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

Regular APR: 19.99% - 28.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.7

Rating methodology

Rewards Value: 4.0
Annual Percentage Rate: 4.0
Rewards Flexibility: 4.0
Features: 5.0
Issuer Customer Experience: 5.0

Why we like this card

The rewards rate is decent but the perks are the real star of the show here. Cardmembers receive complimentary Delta Sky Club access, Centurion Lounge access, a complimentary checked bag, priority boarding, a 20% discount on in-flight purchases, and the much-coveted annual companion certificate that allows a guest to accompany you on your paid ticket.

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Pros

There are no blackout dates on Delta flights.
You may book with miles combined with cash on some flights.

Cons

Fuel surcharges can be very high on some international flights.
There is a $25 fee for phone bookings. Ticket office bookings cost $35, in select European countries.

Bottom Line

This card gives business owners top-notch Delta perks including lounge access, complimentary bag check, discounts on in-flight purchases, priority boarding and more.

Highlights

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.
Enter Delta Sky Club® at no cost. Effective 2/1/25, 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 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
Earn 3 miles per dollar on eligible Delta purchases.
Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
Terms and limitations apply.

Rates & Fees

Annual Fee: $650
Intro Purchase APR: N/A
Regular APR: 19.99% - 28.99% Variable
Intro Balance Transfers APR: N/A

BEST FOR STATUS CHASERS

Delta SkyMiles® Platinum American Express Card

Our rating:4.7

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Rewards rate

3X: Earn 3X Miles on Delta purchases and purchases made directly with hotels.
2X: Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
1X: Earn 1X Miles on all other eligible purchases.

Intro offer: Earn 60,000 Bonus Miles 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

Regular APR: 19.99% - 28.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.7

Rating methodology

Rewards Value:: 4.0
Annual Percentage Rate:: 3.0
Rewards Flexibility:: 2.0
Features:: 4.0
Issuer Customer Experience: 5.0

Why we like this card

Cardmembers have access to top Delta frills including inflight discounts, priority boarding, and the ever-popular annual companion certificate. Reward rates are high at 3X miles on Delta and eligible direct hotel purchases, 2X miles at U.S. supermarkets and restaurants worldwide, and 1X mile on all other eligible purchases.

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Pros

Miles don’t expire so long as the account remains active.
There’s no limit on miles earned.

Cons

The $350 annual fee may be high for some.
There is a 75,000-mile limit per reservation.

Bottom Line

These card perks and generous reward rates will undoubtedly appeal to frequent travelers eager to rack up miles to put towards future trips.

Highlights

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.
Receive a Companion Certificate on a Main Cabin round-trip flight within the U.S. and to Mexico, the Caribbean, or Central America each year after renewal of your Card. The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for round-trip domestic flights and no more than $250 for round-trip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
Delta SkyMiles® Platinum American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Earn $1 Medallion® Qualification Dollar for each $20 of purchases made on your Delta SkyMiles® Platinum American Express Card in a calendar year and get a boost toward achieving Medallion Status for next Medallion Year.
Earn 3X Miles on Delta purchases and purchases made directly with hotels.
Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
Earn 1X Miles on all other eligible purchases.
$120 Resy Credit: When you use your enrolled Delta SkyMiles® Platinum American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $10 back each month in statement credits.
$120 Rideshare Credit: earn up to $10 in statement credits each month after using your Delta SkyMiles® Platinum American Express Card on U.S. rideshare purchases with select providers. Enrollment required.
You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that's a potential savings of up to $280 per round-trip flight.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Delta SkyMiles® Platinum American Express Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Delta SkyMiles® Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
No Foreign Transaction Fees.
$350 Annual Fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Rates & Fees

Annual Fee: $350
Intro Purchase APR: N/A
Regular APR: 19.99%-28.99% Variable
Intro Balance Transfers APR: N/A

BEST FOR BUSINESS REWARDS WITH NO ANNUAL FEE

The Blue Business® Plus Credit Card from American Express

Our rating:4.1

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Rewards rate

2X: 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.

Intro offer: 15,000 Membership Rewards® points 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

Regular APR: 17.49% - 25.49% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.1

Rating methodology

Rewards Value: 4.0
Annual Percentage Rate: 5.0
Rewards Flexibility: 4.0
Features: 4.0
Issuer Customer Experience: 5.0

Why we like this card

Features such as Expanded Buying Power give small business owners a flexible credit limit (terms apply), plus the introductory APR offer on new purchases make financing more manageable. In addition, earn 2X points on eligible everyday purchases up to $50,000 annually, then 1X point after. You can also earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases in your first three months.

Read the full review

Pros

Rewards can be transferred to a number of frequent flyer programs (terms apply).
Points don’t expire so long as the account remains active.

Cons

There is a fee for transferring points to loyalty programs.
There is also a fee for flights booked via the American Express Travel portal.

Bottom Line

With its generous and relatively uncomplicated rewards program, the Blue Business® Plus Credit Card from American Express is a good fit for small businesses with limited expenses, or as a companion to a card that earns big category bonuses.

Highlights

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.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 25.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
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.
You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
No Annual Fee
Terms Apply.

Rates & Fees

Annual Fee: No annual fee
Intro Purchase APR: 0% on purchases for 12 months from date of account opening
Regular APR: 17.49% - 25.49% Variable
Intro Balance Transfers APR: N/A

BEST FOR MARRIOTT BUSINESS TRAVELERS

Marriott Bonvoy Business® American Express® Card

Our rating:4.3

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Rewards rate

6x: 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x: 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x: 2x points on all other eligible purchases.

Intro offer: 3 Free Night Awards 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

Regular APR: 19.99% - 28.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.3

Rating methodology

Rewards Value: 5.0
Annual Percentage Rate: 4.0
Rewards Flexibility: 3.0
Features: 3.0
Issuer Customer Experience: 5.0

Why we like this card

The Marriott Bonvoy Business® American Express® Card makes it easy for business travelers to earn points with a high rewards rate and generous introductory offer. Eligible purchases at hotels participating in the Marriott Bonvoy program earn 6X points, restaurants worldwide and U.S. gas stations will earn you 4X points, and other eligible purchases earn 2X points.

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Pros

Cardholders receive automatic Gold Elite status.
There is a high redemption value for hotel and airline purchases.

Cons

Weekday travel redemptions can be high.
Less expensive hotels have a lower points value.

Bottom Line

This flexible rewards card comes with some great perks for business owners who frequently stay in Marriott and Ritz Carlton properties, including Gold Elite status and free in-room internet access.

Highlights

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. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
Receive 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.
6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
Terms apply.

Rates & Fees

Annual Fee: $125
Intro Purchase APR: N/A
Regular APR: 19.99% - 28.99% Variable
Intro Balance Transfers APR: N/A

BEST BUSINESS WELCOME BONUS

The Hilton Honors American Express Business Card

Our rating:4.3

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Rewards rate

12X: Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
5X: 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: 3X on all other eligible purchases. Terms & Limitations Apply.

Intro offer: Earn 175,000 Bonus Points Limited Time 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

Regular APR: 19.99% - 28.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.3

Rating methodology

Rewards Value:: 4.7
Annual Percentage Rate:: 1.0
Rewards Flexibility:: 2.0
Features:: 3.0
Issuer Customer Experience: 5.0

Why we like this card

The Hilton Honors American Express Business Card comes with a generous 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). The rewards rate is also high at 12X points at hotels/resorts in the Hilton portfolio, 5X points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter. Business owners on the go will appreciate the range of travel perks that come with the card such as a credit each year for eligible purchases made directly with Hilton and complimentary Hilton Honors Gold Status. Spend $40,000 on eligible purchases within a calendar year and upgrade to Hilton Honors Diamond status (through the end of the next calendar year).

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Pros

This card charges no foreign transaction fees.
There are no limits on how many points you can earn.

Cons

Points for travel must be redeemed through the loyalty program.
Hilton points are inflated compared to other hotel points.

Bottom Line

With its large welcome offer and high rewards rate, the Hilton Honors American Express Business Card makes it easy to accumulate points while making the most of your Hilton Honors Gold Status and great travel perks.

Highlights

Limited Time 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.
Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
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.
Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
You may receive an upgrade to Hilton Honors Diamond status through the end of the calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
As a Hilton Honors American Express Business Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
Terms apply.

Rates & Fees

Annual Fee: $195
Intro Purchase APR: N/A
Regular APR: 19.99% - 28.99% Variable
Intro Balance Transfers APR: N/A

BEST FOR MARRIOTT STAYS

Marriott Bonvoy Brilliant® American Express® Card

Our rating:4.4

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Rewards rate

6X: Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®.
3X: 3X Marriott Bonvoy® points at restaurants worldwide and on flights booked directly with airlines.
2X: 2X Marriott Bonvoy® points on all other eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card.

Intro offer: 95,000 Marriott Bonvoy® bonus points 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

Regular APR: 19.99% - 28.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.4

Rating methodology

Rewards Value:: 5.0
Annual Percentage Rate:: 3.0
Rewards Flexibility:: 2.0
Features:: 4.0
Issuer Customer Experience: 5.0

Why we like this card

Along with a range of travel credits, lounge access, and other premium perks, the Marriott Bonvoy Brilliant® American Express® Card offers a high reward rate of 6X points on purchases at hotels participating in the Marriott Bonvoy program, 3X points at restaurants worldwide and directly booked flights, and 2X points on all other eligible purchases.

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Pros

You’ll have access to the world’s largest hotel network.
Points can be redeemed for hotel stays as well as flights, upgrades, cruises, merchandise and more.

Cons

Marriott points are inflated.
Hotels sometimes limit availability for standard rooms.

Bottom Line

If you’re looking for premium travel perks, and automatic Platinum elite status with the world’s largest hotel network, the Marriott Bonvoy Brilliant® American Express® Card delivers.

Highlights

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.
$300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.
With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. Earn 3X Marriott Bonvoy® points at restaurants worldwide and on flights booked directly with airlines and 2X Marriott Bonvoy® points on all other eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card.
Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
$100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($120) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express.
Enroll in Priority Pass™ Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
No Foreign Transaction Fees on international purchases.
With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
$650 Annual Fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Rates & Fees

Annual Fee: $650
Intro Purchase APR: N/A
Regular APR: 19.99%-28.99% Variable
Intro Balance Transfers APR: N/A

BEST FOR HILTON STAYS + NO ANNUAL FEE

Hilton Honors American Express Card

Our rating:4.4

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Rewards rate

7X: 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.
5X: Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
3X: Earn 3X Points for all other eligible purchases on your Card.

Intro offer: Earn 100,000 points 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

Regular APR: 19.99% - 28.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.4

Rating methodology

Rewards Value:: 4.3
Annual Percentage Rate:: 4.0
Rewards Flexibility:: 3.0
Features:: 3.0
Issuer Customer Experience: 5.0

Why we like this card

This card comes with an excellent rewards rate on direct Hilton hotel stays at 7X points along with 5X points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, plus 3X points on general purchases. The introductory offer lets members earn 100,000 bonus points after you spend $2,000 in purchases in the first six months (offer ends 1/8/2025). Perhaps best of all, cardmembers also automatically receive silver elite status.

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Pros

This card charges no annual fee.
Hilton points are inflated compared to other hotel points.

Cons

Points for travel must be redeemed through the loyalty program.
People who don’t often stay and shop at Hilton properties may not see enough benefits to justify using this card.

Bottom Line

With its high rewards rate and generous welcome offer, the Hilton Honors American Express Card makes it easy to accumulate points while making the most of your silver elite status and other great perks.

Highlights

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.
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.
Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 3X Points for all other eligible purchases on your Card.
Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
No Annual Fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: N/A
Regular APR: 19.99%-28.99% Variable
Intro Balance Transfers APR: N/A

BEST FOR AIRLINE MILES

Delta SkyMiles® Gold American Express Card

Our rating:4.4

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Rewards rate

2X: Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
1X: Earn 1X Mile on all other eligible purchases.

Intro offer: Earn 50,000 Bonus Miles 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.

Regular APR: 19.99% - 28.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.4

Rating methodology

Rewards Value:: 4.1
Annual Percentage Rate:: 2.0
Rewards Flexibility:: 3.0
Features:: 3.0
Issuer Customer Experience: 5.0

Why we like this card

Travelers hoping to quickly accumulate miles will find a lot to like about this card where miles have a much higher value than similar cards. Cardmembers earn 2X miles on Delta purchases, U.S. supermarkets, and restaurants around the world. All other eligible purchases earn 1X miles.

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Pros

Members have access to Delta’s extensive SkyTeam partner airlines.
There are no blackout dates and miles don’t expire so long as your account remains active.

Cons

Fuel surcharges on international flights can be very expensive.
There is a $25 fee for phone bookings. Ticket office bookings cost $35, in select European countries.

Bottom Line

With the Delta SkyMiles Gold American Express Card, Delta frequent flyers can quickly earn valuable rewards to put towards future travel, all while enjoying top-notch Delta perks like priority boarding and a complimentary checked bag.

Highlights

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.
Enjoy a $0 introductory Annual Fee for the first year, then $150.
Delta SkyMiles® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
$200 Delta 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.
Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Miles on all other eligible purchases.
You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
$100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
No Foreign Transaction Fees.
With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Rates & Fees

Annual Fee: $0 introductory annual fee for the first year, then $150.
Intro Purchase APR: N/A
Regular APR: 19.99%-28.99% Variable
Intro Balance Transfers APR: N/A

BEST FOR DELTA MILES + NO ANNUAL FEE

Delta SkyMiles® Blue American Express Card

Our rating:3.4

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Rewards rate

2X: Earn 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
2X: Earn 2X Miles per dollar spent on Delta purchases.
1X: Earn 1X Mile on all other eligible purchases.

Intro offer: Earn 10,000 miles Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.

Annual fee: $0

Regular APR: 19.99% - 28.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:3.4

Rating methodology

Rewards Value:: 3.0
Annual Percentage Rate:: 1.2
Rewards Flexibility:: 4.4
Features:: 1.0
Issuer Customer Experience: 4.6

Why we like this card

This no-annual-fee card is a great way for infrequent travelers with a preference for Delta to earn miles thanks to a decent rewards rate. Earn 2X miles on Delta purchases as well as 2X miles at restaurants worldwide and 1X miles on all other eligible everyday spending.

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Pros

Cardmembers enjoy a 20% discount (received as a statement credit) on inflight purchases of food and beverages.
There are no blackout dates.

Cons

This card doesn’t come with a lot of perks that are included with more premium Delta cards, such as priority boarding or complimentary checked bags.
Fuel surcharges on international flights can be very expensive.

Bottom Line

For a no-annual-fee card, Delta flyers can earn a decent rewards rate, even on restaurant spending. Still, the lack of Delta perks may put off frequent travelers hoping for more.

Highlights

Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
No Annual Fee.
Earn 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
Earn 2X Miles per dollar spent on Delta purchases, and 1X Mile on all other eligible purchases.
Pay with Miles: take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food and beverages.
No Foreign Transaction Fees.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: N/A
Regular APR: 19.99%-28.99% Variable
Intro Balance Transfers APR: N/A

BEST FOR DELTA PERKS

Delta SkyMiles® Reserve American Express Card

Our rating:4.3

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Rewards rate

3X: Earn 3X Miles on Delta purchases.
1X: Earn 1X Miles on all other eligible purchases.

Intro offer: Earn 70,000 Bonus Miles 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

Regular APR: 19.99% - 28.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.3

Rating methodology

Rewards Value:: 4.5
Annual Percentage Rate:: 3.0
Rewards Flexibility:: 4.0
Features:: 4.0
Issuer Customer Experience: 5.0

Why we like this card

Routine Delta flyers looking for a way to up their Medallion status can get leg up thanks to this card’s excellent rewards rate and generous bonus opportunities. Cardmembers earn 3X miles on eligible Delta purchases and 1X mile on all other eligible purchases.

As if that weren’t enough, this card comes loaded with premium Delta perks such as complimentary seat upgrades, complimentary checked baggage on Delta flights and even priority boarding.

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Pros

There are no blackout dates on Delta flights.
Members have access to Delta’s extensive SkyTeam partner airlines.

Cons

The $650 annual fee may be more than some are willing to pay.
There is a 75,000-mile limit per reservation.

Bottom Line

Aside from its high rewards rate and big bonus opportunities, The Delta Reserve has all the perks that frequent travelers love: priority boarding, annual companion certificates for loved ones, complimentary checked bag and in-flight discounts.

Highlights

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.
Enjoy complimentary access to the Delta Sky Club® when you fly Delta. Effective 2/1/25, 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 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter. 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.
Receive four Delta Sky Club® One-Time Guest Passes each year when you fly Delta so you can share the experience with family and friends.
Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
Earn $1 Medallion® Qualification Dollar for each $10 of purchases made on your Delta SkyMiles® Reserve American Express Card in a calendar year and get a boost toward achieving elevated Medallion Status for next Medallion Year.
Receive a Companion Certificate on a Main Cabin round-trip flight within the U.S. and to Mexico, the Caribbean, or Central America each year after renewal of your Card. The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for round-trip domestic flights and no more than $250 for round-trip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
$240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
$120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
With your Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class.
Delta SkyMiles® Reserve American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
No Foreign Transaction Fees.
$650 Annual Fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Rates & Fees

Annual Fee: $650
Intro Purchase APR: N/A
Regular APR: 19.99%-28.99% Variable
Intro Balance Transfers APR: N/A

BEST BUSINESS CHARGE CARD

The Plum Card® from American Express

Our rating:2.4

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Rewards rate

1.5%: Earn an unlimited 1.5% Early Pay Discount on eligible charges paid within 10 days of your statement closing date and see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the Payment Due Date.

Intro offer: No current offer

Annual fee: $250‡

Regular APR: N/A

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:2.4

Rating methodology

Rewards Value: 1.0
Annual Percentage Rate: 0.0
Rewards Flexibility: 3.5
Features: 3.8
Issuer Customer Experience: 4.6

Why we like this card

This unique charge card allows business owners the flexibility to pay within a 60-day window without interest should they need the additional time. Cardmembers earn an unlimited 1.5% discount on eligible charges when paying their bill early each month.

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Pros

This card has no preset spending limit.
There is no foreign transaction fee.

Cons

This card does not offer a welcome bonus.
There is a $250 annual fee.

Bottom Line

This card is ideal for business owners who may experience cash flow delays from time to time and need the extra flexibility to pay down their balance without accruing interest. However, it’s important to note that this is a charge card, meaning the balance must be paid within the 60 days if not monthly. If your business carries a balance for months, a credit card is most likely a better fit.

Highlights

Paying early pays off: earn an unlimited 1.5% Early Pay Discount on eligible charges paid within 10 days of your statement closing date and see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the Payment Due Date.
Take up to 60 days to pay with no interest‡, when you pay your minimum due by the Payment Due Date.
No Foreign Transaction Fees.‡
Terms Apply. Learn More.

Rates & Fees

Annual Fee: $250‡
Intro Purchase APR: N/A
Regular APR: N/A
Intro Balance Transfers APR: N/A

Blue Cash Everyday® Card from American Express

Our rating:4.8

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Rewards rate

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

Intro offer: Earn $200 Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

Annual fee: $0

Regular APR: 18.24% - 29.24% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

See if you’re pre-approved for this card using our CardMatch tool.

Overall rating

Our rating:4.8

Rating methodology

Rewards Value:: 4.0
Annual Percentage Rate:: 1.0
Rewards Flexibility:: 2.0
Features:: 3.0
Issuer Customer Experience: 5.0

Why we like this card

Read the full review

Pros

Cardholders can earn a $200 statement credit after you spend $2,000 in purchases within the first six months.
There are no rotating categories or enrollments to keep track of.

Cons

Rewards cannot be transferred or combined with other cards.
The 3% cash back rate is capped at $6,000 in purchases annually in each category then drops to 1%.

Bottom Line

Highlights

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.24% to 29.24% variable APR.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% on purchases for 15 months
Regular APR: 18.24%-29.24% Variable
Intro Balance Transfers APR: 0% on balance transfers for 15 months

More cash back cards from American Express

Blue Cash Preferred® Card from American Express

Our rating:4.6

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Rewards rate

6%: 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6%: 6% Cash Back on select U.S. streaming subscriptions.
3%: 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
3%: 3% Cash Back at U.S. gas stations
1%: 1% Cash Back on other purchases

Intro offer: Earn $250 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.

Regular APR: 18.24% - 29.24% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

See if you’re pre-approved for this card using our CardMatch tool.

Overall rating

Our rating:4.6

Rating methodology

Rewards Value:: 5.0
Annual Percentage Rate:: 1.0
Rewards Flexibility:: 3.0
Features:: 3.0
Issuer Customer Experience: 5.0

Why we like this card

Read the full review

Pros

Rewards can be redeemed for previous purchases.
There’s no enrollment required and no rotating categories to keep track of.

Cons

The 6% bonus at U.S. supermarkets is excellent, but it’s capped to $6,000 in annual purchases, then 1%.
In addition, the 3% and 6% rewards are only applicable to U.S. purchases.

Bottom Line

Highlights

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.24% - 29.24%.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations.
3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
$84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Rates & Fees

Annual Fee: $0 intro annual fee for the first year, then $95.
Intro Purchase APR: 0% on purchases for 12 months
Regular APR: 18.24%-29.24% Variable
Intro Balance Transfers APR: 0% on balance transfers for 12 months

The Plum Card® from American Express

Our rating:2.4

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Rewards rate

1.5%: Earn an unlimited 1.5% Early Pay Discount on eligible charges paid within 10 days of your statement closing date and see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the Payment Due Date.

Intro offer: No current offer

Annual fee: $250‡

Regular APR: N/A

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:2.4

Rating methodology

Rewards Value: 1.0
Annual Percentage Rate: 0.0
Rewards Flexibility: 3.5
Features: 3.8
Issuer Customer Experience: 4.6

Why we like this card

Read the full review

Pros

This card has no preset spending limit.
There is no foreign transaction fee.

Cons

This card does not offer a welcome bonus.
There is a $250 annual fee.

Bottom Line

Highlights

Paying early pays off: earn an unlimited 1.5% Early Pay Discount on eligible charges paid within 10 days of your statement closing date and see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the Payment Due Date.
Take up to 60 days to pay with no interest‡, when you pay your minimum due by the Payment Due Date.
No Foreign Transaction Fees.‡
Terms Apply. Learn More.

Rates & Fees

Annual Fee: $250‡
Intro Purchase APR: N/A
Regular APR: N/A
Intro Balance Transfers APR: N/A

American Express® Gold Card

Our rating:4.9

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Rewards rate

4X: 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.
4X: 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.
3X: Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
2X: Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
1X: Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.

Intro offer: 60,000 points 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

Regular APR: See Pay Over Time APR

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

See if you’re pre-approved for this card using our CardMatch tool.

Overall rating

Our rating:4.9

Rating methodology

Rewards Value:: 4.7
Annual Percentage Rate:: 2.0
Rewards Flexibility:: 4.0
Features:: 4.0
Issuer Customer Experience:: 5.0

Why we like this card

Read the full review

Pros

There are no foreign transaction fees.
There are a lot of airline transfer partners, including Delta.

Cons

The annual fee of $325 may be more than some are willing to spend.
Many of this card’s credits carry caveats that can make them a bit confusing to capitalize on.

Bottom Line

Highlights

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.
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.
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.
Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
$84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations.
$100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
$120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
No Foreign Transaction Fees.
Annual Fee is $325.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Rates & Fees

Annual Fee: $325
Intro Purchase APR: N/A
Regular APR: See Pay Over Time APR
Intro Balance Transfers APR: N/A

More travel cards from American Express

The Platinum Card® from American Express

Our rating:4.8

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Rewards rate

5X: Earn 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: Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

Intro offer: Earn 80,000 points 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

Regular APR: See Pay Over Time APR

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

See if you’re pre-approved for this card using our CardMatch tool.

Overall rating

Our rating:4.8

Rating methodology

Rewards Value:: 5.0
Annual Percentage Rate:: 4.0
Rewards Flexibility:: 4.0
Features:: 5.0
Issuer Customer Experience:: 5.0

Why we like this card

Read the full review

Pros

This card includes perks such as lounge access, a statement credit for Global Entry or TSA Precheck, Uber Cash credit annually (on U.S. rides and eats), up to a $199 CLEAR® Plus annual credit for your membership, Hilton Honors gold status (enrollment required) and Uber VIP status.
There are no blackout dates.

Cons

Travel rewards must be redeemed through American Express Travel.
If you don’t travel often, you may be better served by a card with a lower annual fee.

Bottom Line

Eager travelers will find a lot of value in this luxury travel card, from its long list of perks, credits, and travel protections to its decent rewards rate and welcome bonus.

Highlights

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.
Earn 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 and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
$155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
$200 Uber Cash: Platinum Card® Members can get out and about and explore their local area with $15 in Uber Cash for US rides each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. Simply download the Uber app and add your Platinum Card® to your Uber account to get started. Available to Basic Card Member only. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
$199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
$695 annual fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Rates & Fees

Annual Fee: $695
Intro Purchase APR: N/A
Regular APR: See Pay Over Time APR
Intro Balance Transfers APR: N/A

Hilton Honors American Express Surpass® Card

Our rating:4.7

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Rewards rate

12X: 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.
6X: Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
4X: Earn 4X Points for each dollar on U.S. Online Retail Purchases.
3X: Earn 3X Points for all other eligible purchases on your Card.

Intro offer: Earn 165,000 points 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

Regular APR: 19.99% - 28.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.7

Rating methodology

Rewards Value:: 4.3
Annual Percentage Rate:: 3.0
Rewards Flexibility:: 4.0
Features:: 3.0
Issuer Customer Experience: 5.0

Why we like this card

You’ll earn 165,000 points after spending $3,000 on eligible purchases within the first six months of opening the account.

Read the full review

Pros

Points never expire as long as the card remains active.
Points can be used to upgrade reservations.

Cons

Beyond hotel stays, redemption options are limited.
Reward rates for regular rooms are sometimes inflated to premium rates.

Bottom Line

With its generous welcome bonus and high rewards rate on not only Hilton stays but general purchases, racking up points is easy.

Highlights

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.
Get up to $200 back each year on eligible Hilton purchases after you use your Hilton Honors American Express Surpass® Card.
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.
Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 4X Points for each dollar on U.S. Online Retail Purchases.
Earn 3X Points for all other eligible purchases on your Card.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
Enjoy complimentary Hilton Honors ™ Gold Status with your Hilton Honors American Express Surpass® Card.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors™ Diamond Status through the end of the next calendar year.
Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
$150 annual fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Rates & Fees

Annual Fee: $150
Intro Purchase APR: N/A
Regular APR: 19.99%-28.99% Variable
Intro Balance Transfers APR: N/A

Delta SkyMiles® Platinum Business American Express Card

Our rating:4.8

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Rewards rate

1.5X: Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single 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.

Intro offer: Earn 70,000 Bonus Miles 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

Regular APR: 19.99% - 28.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.8

Rating methodology

Rewards Value: 5.0
Annual Percentage Rate: 4.0
Rewards Flexibility: 4.0
Features: 5.0
Issuer Customer Experience: 5.0

Why we like this card

Read the full review

Pros

There are no blackout dates on Delta flights.
You may book with miles combined with cash on some flights.

Cons

Fuel surcharges can be very high on some international flights.
There is a $25 fee for phone bookings. Ticket office bookings cost $35.

Bottom Line

If your ultimate goal is to snag Delta status, this card can put you on the right track, all while you enjoy Delta frills like priority boarding and a complimentary checked bag.

Highlights

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.
Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles® Platinum Business American Express Card. The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single 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.
Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
Earn up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Terms and limitations apply.

Rates & Fees

Annual Fee: $350
Intro Purchase APR: N/A
Regular APR: 19.99% - 28.99% Variable
Intro Balance Transfers APR: N/A

The Hilton Honors American Express Business Card

Our rating:4.3

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Rewards rate

12X: Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
5X: 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: 3X on all other eligible purchases. Terms & Limitations Apply.

Intro offer: Earn 175,000 Bonus Points Limited Time 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

Regular APR: 19.99% - 28.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.3

Rating methodology

Rewards Value:: 4.7
Annual Percentage Rate:: 1.0
Rewards Flexibility:: 2.0
Features:: 3.0
Issuer Customer Experience: 5.0

Why we like this card

Read the full review

Pros

This card charges no foreign transaction fees.
There are no limits on how many points you can earn.

Cons

Points for travel must be redeemed through the loyalty program.
Hilton points are inflated compared to other hotel points.

Bottom Line

Highlights

Limited Time 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.
Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
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.
Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
You may receive an upgrade to Hilton Honors Diamond status through the end of the calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
As a Hilton Honors American Express Business Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
Terms apply.

Rates & Fees

Annual Fee: $195
Intro Purchase APR: N/A
Regular APR: 19.99% - 28.99% Variable
Intro Balance Transfers APR: N/A

Delta SkyMiles® Gold American Express Card

Our rating:4.4

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Rewards rate

2X: Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
1X: Earn 1X Mile on all other eligible purchases.

Intro offer: Earn 50,000 Bonus Miles 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.

Regular APR: 19.99% - 28.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.4

Rating methodology

Rewards Value:: 4.1
Annual Percentage Rate:: 2.0
Rewards Flexibility:: 3.0
Features:: 3.0
Issuer Customer Experience: 5.0

Why we like this card

Read the full review

Pros

Members have access to Delta’s extensive SkyTeam partner airlines.
There are no blackout dates and miles don’t expire so long as your account remains active.

Cons

Fuel surcharges on international flights can be very expensive.
There is a $25 fee for phone bookings. Ticket office bookings cost $35, in select European countries.

Bottom Line

Highlights

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.
Enjoy a $0 introductory Annual Fee for the first year, then $150.
Delta SkyMiles® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
$200 Delta 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.
Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Miles on all other eligible purchases.
You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
$100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
No Foreign Transaction Fees.
With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Rates & Fees

Annual Fee: $0 introductory annual fee for the first year, then $150.
Intro Purchase APR: N/A
Regular APR: 19.99%-28.99% Variable
Intro Balance Transfers APR: N/A

Delta SkyMiles® Gold Business American Express Card

Our rating:4.3

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Rewards rate

2X: 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: Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
1X: Earn 1 Mile on every eligible dollar spent on purchases.

Intro offer: Earn 60,000 Bonus Miles 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

Regular APR: 19.99% - 28.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.3

Rating methodology

Rewards Value: 3.0
Annual Percentage Rate: 5.0
Rewards Flexibility: 4.0
Features: 4.0
Issuer Customer Experience: 5.0

Why we like this card

Read the full review

Pros

Miles may be redeemed for one-way flights.
Miles never expire and there are no blackout dates.

Cons

The fuel surcharge on international rewards flights can be very high in some cases.
Rewards flights booked via the telephone incur a $25 booking fee, or $35 for flights booked in a ticket office, in select European countries.

Bottom Line

Highlights

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.
$0 introductory annual fee for the first year, then $150
Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Additionally, you can receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
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.
Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
Earn 1 Mile on every eligible dollar spent on other purchases.
Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Zone 5 Priority Boarding.
Elevate your travel experience with an annual statement credit of up to $150 after using your Delta SkyMiles® Gold Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
Pay no foreign transaction fees when you travel overseas.
Terms and limitations apply.

Rates & Fees

Annual Fee: $0 introductory annual fee for the first year, then $150
Intro Purchase APR: N/A
Regular APR: 19.99% - 28.99% Variable
Intro Balance Transfers APR: N/A

Delta SkyMiles® Blue American Express Card

Our rating:3.4

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Rewards rate

2X: Earn 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
2X: Earn 2X Miles per dollar spent on Delta purchases.
1X: Earn 1X Mile on all other eligible purchases.

Intro offer: Earn 10,000 miles Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.

Annual fee: $0

Regular APR: 19.99% - 28.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:3.4

Rating methodology

Rewards Value:: 3.0
Annual Percentage Rate:: 1.2
Rewards Flexibility:: 4.4
Features:: 1.0
Issuer Customer Experience: 4.6

Why we like this card

Read the full review

Pros

Cardmembers enjoy a 20% discount (received as a statement credit) on inflight purchases of food and beverages.
There are no blackout dates.

Cons

This card doesn’t come with a lot of perks that are included with more premium Delta cards, such as priority boarding or complimentary checked bags.
Fuel surcharges on international flights can be very expensive.

Bottom Line

For a no-annual-fee card, Delta flyers can earn a decent rewards rate, even on restaurant spending. Still, the lack of Delta perks may put off frequent travelers hoping for more.

Highlights

Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
No Annual Fee.
Earn 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
Earn 2X Miles per dollar spent on Delta purchases, and 1X Mile on all other eligible purchases.
Pay with Miles: take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food and beverages.
No Foreign Transaction Fees.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: N/A
Regular APR: 19.99%-28.99% Variable
Intro Balance Transfers APR: N/A

Delta SkyMiles® Reserve Business American Express Card

Our rating:4.7

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Rewards rate

3X: Earn 3 miles per dollar on eligible Delta purchases.

Intro offer: Earn 80,000 Bonus Miles 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

Regular APR: 19.99% - 28.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.7

Rating methodology

Rewards Value: 4.0
Annual Percentage Rate: 4.0
Rewards Flexibility: 4.0
Features: 5.0
Issuer Customer Experience: 5.0

Why we like this card

Read the full review

Pros

There are no blackout dates on Delta flights.
You may book with miles combined with cash on some flights.

Cons

Fuel surcharges can be very high on some international flights.
There is a $25 fee for phone bookings. Ticket office bookings cost $35, in select European countries.

Bottom Line

This card gives business owners top-notch Delta perks including lounge access, complimentary bag check, discounts on in-flight purchases, priority boarding and more.

Highlights

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.
Enter Delta Sky Club® at no cost. Effective 2/1/25, 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 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
Earn 3 miles per dollar on eligible Delta purchases.
Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
Terms and limitations apply.

Rates & Fees

Annual Fee: $650
Intro Purchase APR: N/A
Regular APR: 19.99% - 28.99% Variable
Intro Balance Transfers APR: N/A

Hilton Honors American Express Card

Our rating:4.4

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Rewards rate

7X: 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.
5X: Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
3X: Earn 3X Points for all other eligible purchases on your Card.

Intro offer: Earn 100,000 points 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

Regular APR: 19.99% - 28.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.4

Rating methodology

Rewards Value:: 4.3
Annual Percentage Rate:: 4.0
Rewards Flexibility:: 3.0
Features:: 3.0
Issuer Customer Experience: 5.0

Why we like this card

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Pros

This card charges no annual fee.
Hilton points are inflated compared to other hotel points.

Cons

Points for travel must be redeemed through the loyalty program.
People who don’t often stay and shop at Hilton properties may not see enough benefits to justify using this card.

Bottom Line

Highlights

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.
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.
Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 3X Points for all other eligible purchases on your Card.
Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
No Annual Fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: N/A
Regular APR: 19.99%-28.99% Variable
Intro Balance Transfers APR: N/A

Marriott Bonvoy Business® American Express® Card

Our rating:4.3

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Rewards rate

6x: 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x: 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x: 2x points on all other eligible purchases.

Intro offer: 3 Free Night Awards 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

Regular APR: 19.99% - 28.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.3

Rating methodology

Rewards Value: 5.0
Annual Percentage Rate: 4.0
Rewards Flexibility: 3.0
Features: 3.0
Issuer Customer Experience: 5.0

Why we like this card

Read the full review

Pros

Cardholders receive automatic Gold Elite status.
There is a high redemption value for hotel and airline purchases.

Cons

Weekday travel redemptions can be high.
Less expensive hotels have a lower points value.

Bottom Line

This flexible rewards card comes with some great perks for business owners who frequently stay in Marriott and Ritz Carlton properties, including Gold Elite status and free in-room internet access.

Highlights

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. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
Receive 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.
6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
Terms apply.

Rates & Fees

Annual Fee: $125
Intro Purchase APR: N/A
Regular APR: 19.99% - 28.99% Variable
Intro Balance Transfers APR: N/A

The American Express Blue Business Cash™ Card

Our rating:4.3

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Rewards rate

2%: Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
1%: 1% cash back on all eligible purchases after spending $50,000 per calendar year.

Intro offer: $250 statement credit 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

Regular APR: 17.49% - 25.49% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.3

Rating methodology

Rewards Value: 3.0
Annual Percentage Rate: 4.0
Rewards Flexibility: 5.0
Features: 4.0
Issuer Customer Experience: 5.0

Why we like this card

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Pros

There’s no annual fee for this card.
Cash back is applied as a statement credit at the end of each billing cycle.

Cons

The 2% cash back rate is limited to $50,000 in purchases annually (then 1%).
Big business spenders may be able to find a more lucrative business credit card, albeit for an annual fee.

Bottom Line

Besides a generous cash back rate, The American Express Blue Business Cash™ Card offers an excellent range of financing options if your business needs cash flow assistance.

Highlights

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 25.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
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.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
No Annual Fee
Terms Apply

Rates & Fees

Annual Fee: No annual fee
Intro Purchase APR: 0% on purchases for 12 months from date of account opening
Regular APR: 17.49% - 25.49% Variable
Intro Balance Transfers APR: N/A

More business cards from American Express

The Blue Business® Plus Credit Card from American Express

Our rating:4.1

See Rates & Fees, Terms Apply

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Rewards rate

2X: 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.

Intro offer: 15,000 Membership Rewards® points 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

Regular APR: 17.49% - 25.49% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.1

Rating methodology

Rewards Value: 4.0
Annual Percentage Rate: 5.0
Rewards Flexibility: 4.0
Features: 4.0
Issuer Customer Experience: 5.0

Why we like this card

Read the full review

Pros

Rewards can be transferred to a number of frequent flyer programs (terms apply).
Points don’t expire so long as the account remains active.

Cons

There is a fee for transferring points to loyalty programs.
There is also a fee for flights booked via the American Express Travel portal.

Bottom Line

Highlights

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.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 25.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
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.
You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
No Annual Fee
Terms Apply.

Rates & Fees

Annual Fee: No annual fee
Intro Purchase APR: 0% on purchases for 12 months from date of account opening
Regular APR: 17.49% - 25.49% Variable
Intro Balance Transfers APR: N/A

Delta SkyMiles® Platinum Business American Express Card

Our rating:4.8

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Rewards rate

1.5X: Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single 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.

Intro offer: Earn 70,000 Bonus Miles 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

Regular APR: 19.99% - 28.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.8

Rating methodology

Rewards Value: 5.0
Annual Percentage Rate: 4.0
Rewards Flexibility: 4.0
Features: 5.0
Issuer Customer Experience: 5.0

Why we like this card

Read the full review

Pros

There are no blackout dates on Delta flights.
You may book with miles combined with cash on some flights.

Cons

Fuel surcharges can be very high on some international flights.
There is a $25 fee for phone bookings. Ticket office bookings cost $35.

Bottom Line

If your ultimate goal is to snag Delta status, this card can put you on the right track, all while you enjoy Delta frills like priority boarding and a complimentary checked bag.

Highlights

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.
Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles® Platinum Business American Express Card. The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single 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.
Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
Earn up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Terms and limitations apply.

Rates & Fees

Annual Fee: $350
Intro Purchase APR: N/A
Regular APR: 19.99% - 28.99% Variable
Intro Balance Transfers APR: N/A

American Express® Business Gold Card

Our rating:4.4

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Rewards rate

4X: 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.*
3X: Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
1X: 1X is earned for other purchases. **

Intro offer: Earn 100,000 points 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.*

Annual fee: $375

Regular APR: 18.49% - 27.49% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.4

Rating methodology

Rewards Value: 2.7
Annual Percentage Rate: 0.3
Rewards Flexibility: 3.7
Features: 3.8
Issuer Customer Experience: 4.6

Why we like this card

Read the full review

Pros

There are no blackout dates.
Points can be transferred to 16 partner airlines.

Cons

If you’re hoping to redeem for anything beyond travel, you may be underwhelmed by redemption options.
The annual fee is much higher than cards with similar offers.

Bottom Line

The travel protections and frills offered by this card are a good fit for small business owners who are frequently on the road.

Highlights

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 ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 27.49% variable APR.*
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.*
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
*Terms Apply

Rates & Fees

Annual Fee: $375
Intro Purchase APR: 0% on purchases for 6 months from the date of account opening
Regular APR: 18.49% - 27.49% Variable
Intro Balance Transfers APR: N/A

The Business Platinum Card® from American Express

Our rating:4.9

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Rewards rate

5X: 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com
1.5X: 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.
1X: 1X points for each dollar you spend on eligible purchases.

Intro offer: Earn 150,000 points 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

Regular APR: 18.49% - 27.49% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.9

Rating methodology

Rewards Value: 5.0
Annual Percentage Rate: 1.0
Rewards Flexibility: 3.0
Features: 5.0
Issuer Customer Experience: 5.0

Why we like this card

With a whopper of an introductory bonus and excellent travel benefits, the Business Platinum Card from American Express is a solid card for high-spending business owners on the go.

Read the full review

Pros

Cardmembers have access to over 1,400 airport lounges around the world.
There are no blackout dates and points don’t expire as long as the account remains in good standing.

Cons

Travel must be redeemed through the American Express Travel portal.
There is a fee to transfer points to airline loyalty programs.

Bottom Line

Highlights

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.
5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
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.
Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
$199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
$695 Annual Fee.
Terms Apply.

Rates & Fees

Annual Fee: $695
Intro Purchase APR: N/A
Regular APR: 18.49% - 27.49% Variable
Intro Balance Transfers APR: N/A

The Plum Card® from American Express

Our rating:2.4

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Rewards rate

1.5%: Earn an unlimited 1.5% Early Pay Discount on eligible charges paid within 10 days of your statement closing date and see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the Payment Due Date.

Intro offer: No current offer

Annual fee: $250‡

Regular APR: N/A

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:2.4

Rating methodology

Rewards Value: 1.0
Annual Percentage Rate: 0.0
Rewards Flexibility: 3.5
Features: 3.8
Issuer Customer Experience: 4.6

Why we like this card

Read the full review

Pros

This card has no preset spending limit.
There is no foreign transaction fee.

Cons

This card does not offer a welcome bonus.
There is a $250 annual fee.

Bottom Line

Highlights

Paying early pays off: earn an unlimited 1.5% Early Pay Discount on eligible charges paid within 10 days of your statement closing date and see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the Payment Due Date.
Take up to 60 days to pay with no interest‡, when you pay your minimum due by the Payment Due Date.
No Foreign Transaction Fees.‡
Terms Apply. Learn More.

Rates & Fees

Annual Fee: $250‡
Intro Purchase APR: N/A
Regular APR: N/A
Intro Balance Transfers APR: N/A

The Hilton Honors American Express Business Card

Our rating:4.3

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Rewards rate

12X: Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
5X: 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: 3X on all other eligible purchases. Terms & Limitations Apply.

Intro offer: Earn 175,000 Bonus Points Limited Time 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

Regular APR: 19.99% - 28.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.3

Rating methodology

Rewards Value:: 4.7
Annual Percentage Rate:: 1.0
Rewards Flexibility:: 2.0
Features:: 3.0
Issuer Customer Experience: 5.0

Why we like this card

Read the full review

Pros

This card charges no foreign transaction fees.
There are no limits on how many points you can earn.

Cons

Points for travel must be redeemed through the loyalty program.
Hilton points are inflated compared to other hotel points.

Bottom Line

Highlights

Limited Time 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.
Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
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.
Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
You may receive an upgrade to Hilton Honors Diamond status through the end of the calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
As a Hilton Honors American Express Business Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
Terms apply.

Rates & Fees

Annual Fee: $195
Intro Purchase APR: N/A
Regular APR: 19.99% - 28.99% Variable
Intro Balance Transfers APR: N/A

Delta SkyMiles® Gold Business American Express Card

Our rating:4.3

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Rewards rate

2X: 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: Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
1X: Earn 1 Mile on every eligible dollar spent on purchases.

Intro offer: Earn 60,000 Bonus Miles 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

Regular APR: 19.99% - 28.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.3

Rating methodology

Rewards Value: 3.0
Annual Percentage Rate: 5.0
Rewards Flexibility: 4.0
Features: 4.0
Issuer Customer Experience: 5.0

Why we like this card

Read the full review

Pros

Miles may be redeemed for one-way flights.
Miles never expire and there are no blackout dates.

Cons

The fuel surcharge on international rewards flights can be very high in some cases.
Rewards flights booked via the telephone incur a $25 booking fee, or $35 for flights booked in a ticket office, in select European countries.

Bottom Line

Highlights

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.
$0 introductory annual fee for the first year, then $150
Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Additionally, you can receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
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.
Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
Earn 1 Mile on every eligible dollar spent on other purchases.
Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Zone 5 Priority Boarding.
Elevate your travel experience with an annual statement credit of up to $150 after using your Delta SkyMiles® Gold Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
Pay no foreign transaction fees when you travel overseas.
Terms and limitations apply.

Rates & Fees

Annual Fee: $0 introductory annual fee for the first year, then $150
Intro Purchase APR: N/A
Regular APR: 19.99% - 28.99% Variable
Intro Balance Transfers APR: N/A

Delta SkyMiles® Reserve Business American Express Card

Our rating:4.7

See Rates & Fees, Terms Apply

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Rewards rate

3X: Earn 3 miles per dollar on eligible Delta purchases.

Intro offer: Earn 80,000 Bonus Miles 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

Regular APR: 19.99% - 28.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.7

Rating methodology

Rewards Value: 4.0
Annual Percentage Rate: 4.0
Rewards Flexibility: 4.0
Features: 5.0
Issuer Customer Experience: 5.0

Why we like this card

Read the full review

Pros

There are no blackout dates on Delta flights.
You may book with miles combined with cash on some flights.

Cons

Fuel surcharges can be very high on some international flights.
There is a $25 fee for phone bookings. Ticket office bookings cost $35, in select European countries.

Bottom Line

This card gives business owners top-notch Delta perks including lounge access, complimentary bag check, discounts on in-flight purchases, priority boarding and more.

Highlights

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.
Enter Delta Sky Club® at no cost. Effective 2/1/25, 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 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
Earn 3 miles per dollar on eligible Delta purchases.
Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
Terms and limitations apply.

Rates & Fees

Annual Fee: $650
Intro Purchase APR: N/A
Regular APR: 19.99% - 28.99% Variable
Intro Balance Transfers APR: N/A

Marriott Bonvoy Business® American Express® Card

Our rating:4.3

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Rewards rate

6x: 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x: 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x: 2x points on all other eligible purchases.

Intro offer: 3 Free Night Awards 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

Regular APR: 19.99% - 28.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.3

Rating methodology

Rewards Value: 5.0
Annual Percentage Rate: 4.0
Rewards Flexibility: 3.0
Features: 3.0
Issuer Customer Experience: 5.0

Why we like this card

Read the full review

Pros

Cardholders receive automatic Gold Elite status.
There is a high redemption value for hotel and airline purchases.

Cons

Weekday travel redemptions can be high.
Less expensive hotels have a lower points value.

Bottom Line

This flexible rewards card comes with some great perks for business owners who frequently stay in Marriott and Ritz Carlton properties, including Gold Elite status and free in-room internet access.

Highlights

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. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
Receive 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.
6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
Terms apply.

Rates & Fees

Annual Fee: $125
Intro Purchase APR: N/A
Regular APR: 19.99% - 28.99% Variable
Intro Balance Transfers APR: N/A

Our top picks
American Express credit card details
Amex credit cards
Choosing an Amex card
Benefit programs
American Express Membership Rewards
Our methodology
Frequently asked questions

All information about the American Express Cash Magnet® Card and American Express® Green Card has been collected independently by CreditCards.com and has not been reviewed by the issuer. The American Express Cash Magnet Card is no longer available through CreditCards.com.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

Comparing the best American Express credit cards

Credit Card	Best Use	Annual Fee	CreditCards.com Rating
The Platinum Card® from American Express	Luxury travel perks	$695	4.4 / 5
American Express® Gold Card	Dining rewards	$325	4.9 / 5
Blue Cash Everyday® Card from American Express	No annual fee	$0	4.8 / 5
Blue Cash Preferred® Card from American Express	High cash back rates	$0 intro annual fee for the first year, then $95.	4.6 / 5
American Express® Business Gold Card	Small business travel	$375	4.6 / 5
The Business Platinum Card® from American Express	Luxury business travel perks	$695	4.5 / 5
Delta SkyMiles® Gold Business American Express Card	Delta-loyal small business owners	$0 introductory annual fee for the first year, then $150	4.3 / 5
Hilton Honors American Express Surpass® Card	Hilton hotel stays	$150	4.5 / 5
Delta SkyMiles® Platinum Business American Express Card	Status-chasing business travelers	$350	4.7 / 5
The American Express Blue Business Cash™ Card	Cash back rewards for business	No annual fee	3.8 / 5
Delta SkyMiles® Platinum American Express Card	Status chasers	$350	4.4 / 5
Delta SkyMiles® Gold American Express Card	Airline miles	$0 introductory annual fee for the first year, then $150.	4.0 / 5
The Blue Business® Plus Credit Card from American Express	Business rewards with no annual fee	No annual fee	4.0 / 5
American Express Green Card	Everyday travel	$150	4.5 / 5

Editor’s picks: American Express credit cards

Best for luxury travel perks: The Platinum Card® from American Express

Best features: One of the best travel credit cards on the market, the Platinum Card offers a bevy of luxury travel benefits, including airport lounge access, a statement credit for Global Entry or TSA PreCheck, an Uber cash credit, up to a $199 CLEAR® Plus annual credit for your membership and no foreign transaction fees (see rates and fees).
Biggest drawbacks: That laundry list of premium travel benefits come with a $695 annual fee, not waived the first year.
Alternative: The Capital One Venture X Rewards Credit Card has a smaller annual fee of $395 and has luxury perks including lounge access. Learn more about the Capital One Venture X vs. Amex Platinum Card.
Bottom line: With its first-rate travel perks, The Platinum Card from American Express offers an excellent value for frequent travelers.

Read our Platinum Card from American Express review or jump back to this card’s offer details.

Best for dining rewards: American Express® Gold Card

Best features: The American Express Gold Card has superb rewards for dining, shopping and traveling. Available in rose gold and regular gold, it earns 4X points at restaurants (on up to $50,000 in purchases per calendar year, then 1x) and 4X points at U.S. supermarkets (on up to $25,000 in purchases per calendar year, then 1X). Furthermore, it earns 3X points on flights booked directly with airlines or through amextravel.com, making it a well-rounded card.
Biggest drawbacks: There’s a $325 annual fee (not waived the first year).
Alternative: If your budget can’t handle high fees, you can still earn high rewards if you’re willing to juggle multiple credit cards. The Capital One Savor Cash Rewards Credit Card offers 3% cash back for dining and doesn’t charge an annual fee . Pair it with the Blue Cash Preferred® Card from American Express ($0 intro annual fee for the first year, then $95), which offers an impressive 6% cash back at U.S. supermarkets (on up to $6,000 in purchases per year, then 1%). Both come with even more rewards-earning opportunities, making it a powerful combination to have in your wallet.
Bottom line: Frequent travelers will get the most use of its travel benefits and other opportunities, particularly the 4X and 3X earning categories that make it easy to maximize Membership Rewards points to then turn into trips.

Read our American Express Gold Card review or jump back to this card’s offer details.

Best for no annual fee: Blue Cash Everyday® Card from American Express

Best features: The Blue Cash Everyday is the mini-me of the Blue Cash Preferred, with excellent cash back on groceries and when filling up your car, but with no annual fee. Earn 3% back at U.S. supermarkets, U.S. gas stations and on U.S. online retail purchases on up to $6,000 in purchases per year in each category (then 1%), perfect for the growing family.
Biggest drawbacks: The spending cap may be easily topped by families with big grocery budgets.
Alternative: Depending on how much you spend, the Blue Cash Preferred from American Express might offer more bang for your buck, despite the $95 annual fee ($0 intro annual fee for the first year). For more information, take a look at when a credit card with an annual fee is worth it.
Bottom line: Large families stand to do very well in these featured rewards categories. Plus, the 0% intro APR on purchases and balance transfers for the first 15 months (18.24%-29.24% Variable APR thereafter) is attractive to those who want to make a large purchase or pay off some debt and carry the balance for a bit.

Read our Blue Cash Everyday Card from American Express review or jump back to this card’s offer details.

Best for high cash back rates: Blue Cash Preferred® Card from American Express

Best features: We love this card’s generous cash back rates. Earn 6% cash back at U.S. supermarkets (up to $6,000 in purchases per year, then 1%); 6% cash back on select U.S. streaming subscriptions and 3% cash back at U.S. gas stations and on transit. It also offers 1% cash back on general purchases.
Biggest drawbacks: The 6% bonus at U.S. supermarkets is great, though it’s capped to $6,000 in purchases per year and 1% thereafter. There is a $95 annual fee ($0 intro annual fee for the first year).
Alternative: If you don’t get the most value from grocery shopping, the Citi Custom Cash® Card lets you decide how you want to earn high rewards, offering 5% cash back on up to $500 spent each billing cycle in your top eligible spending category, then 1%. Learn more about the Citi Custom Cash Card vs. American Express Blue Cash Preferred.
Bottom line: The Blue Cash Preferred card offers a high cash back rate on categories that will appeal to big families on the go.

Read our Blue Cash Preferred from American Express review or jump back to this card’s offer details.

Best for small business travel: American Express® Business Gold Card

Best features: This card offers a decent value to small business owners who stand to earn 100,000 points after spending $15,000 on eligible purchases in the first three months of card membership. That’s in addition to potential bonus rewards in your top two eligible categories each billing cycle such as gas and travel.
Biggest drawbacks: There is an annual fee of $375, and if your spending doesn’t align with the bonus categories, you’ll get little value out of this card. Plus, depending on what you decide to do with your rewards, you may lose out on some value. While there are several ways you can use your points, redeeming for travel is consistently the most valuable route.
Alternative: Instead of earning 4X points in two eligible business categories each month, the Capital One Spark Miles for Business is a flat-rate credit card that offers an unlimited 2X miles per dollar on every purchase, giving you more freedom to earn rewards on your everyday purchases.
Bottom line: Small-business owners who hope to rack up points to put towards travel will appreciate the flexible bonus rewards, lack of foreign transaction fee (see rates and fees), and other travel perks associated with the American Express® Business Gold Card.

Read our American Express® Business Gold Card review or jump back to this card’s offer details.

Best for luxury business travel perks: The Business Platinum Card® from American Express

Best features: With a whopper of an introductory offer and excellent travel benefits, the Business Platinum Card from American Express is a solid card for high-spending business owners on the go. Earn up to 150,000 points after spending $20,000 on eligible purchases in the first three months of membership. When booking through Amextravel.com, cardholders earn 2X points per dollar on eligible travel and a 35% bonus on points redeemed through Amextravel.com with your selected qualifying airline (up to 1,000,000 points per calendar year).
Biggest drawbacks: The high annual fee of $695 may scare away some business owners.
Alternative: The American Express® Business Gold Card might be a better fit for small-business travelers who don’t need all the luxury bells and whistles and who prefer a card with a smaller annual fee. Read more about the Amex Business Gold vs. Amex Business Platinum.
Bottom line: Small-business owners may balk at the high annual fee and the high spend requirement to satisfy the introductory offer, but high-budget, travel-happy businesses fit this card well.

Read our The Business Platinum Card® from American Express review or jump back to this card’s offer details.

Best for Delta-loyal small business owners: Delta SkyMiles® Gold Business American Express Card

Best features: You can earn a credit of up to $200 for future Delta flights after spending $10,000 in a calendar year. Earn two miles per dollar on eligible direct Delta purchases, at restaurants and on U.S. purchases for advertising in select media and U.S. shipping purchases (on up to $50,000 in eligible purchases per category, per year), plus one mile per dollar on all other eligible purchases.
Biggest drawbacks: Compared to general-purpose travel cards, the redemption options are not as flexible. And if your business doesn’t fly Delta regularly, the welcome offer and travel perks will be lost on you.
Alternative: For greater flexibility, American Express® Business Gold Card is for small-business owners who aren’t loyal to just one airline.
Bottom line: The Delta SkyMiles® Gold Business American Express Card is a low-cost travel card best for small businesses located in or around a Delta hub city or people who like Delta as their preferred airline and who frequently spend in categories such as dining, shipping, and advertising.

Read our Delta SkyMiles® Gold Business American Express Card review or jump back to this card’s offer details.

Best for Hilton hotel stays: Hilton Honors American Express Surpass® Card

Best features: Cardholders earn 12X points for spending at participating hotels and resorts within the Hilton Portfolio; 6X points on eligible purchases at U.S. restaurants, supermarkets and gas stations; and 3X points on all other eligible purchases.
Biggest drawbacks: There’s a big annual spend requirement ($15,000) to earn a free night reward.
Alternative: It’s hard to beat all the Hilton perks you’ll get with the Surpass card, but if you aren’t tied to only one hotel brand, you may get better value out of the Chase Sapphire Preferred® Card. Points are worth more when you book through Chase Ultimate Rewards and have greater flexibility.
Bottom line: The Hilton Honors American Express Surpass® Card is ideal for the traveler who frequents the Hilton brand. Hilton loyalists can take advantage of elite status and Hilton’s expansive network of hotels and resorts around the world.

Read our Hilton Honors American Express Surpass Card review or jump back to this card’s offer details.

Best for business travelers seeking elevated status: Delta SkyMiles® Platinum Business American Express Card

Best features: Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card. Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Biggest drawbacks: There’s a $350 annual fee, and free lounge access isn’t one of this card’s perks.
Alternative: Busy travelers who want more flexibility in how they travel and earn rewards should check out the Chase Ink Business Preferred® Credit Card. It doesn’t come with all the exclusive Delta perks, but for $95 per year and offers 3 points per $1 dollar on the first $150,000 spent in combined travel and select business categories each year.
Bottom line: Business owners who want to enjoy elite status and who frequently fly Delta will find a lot of value in this card’s wide range of travel perks.

Read our Delta SkyMiles Platinum Business American Express Card review or jump back to this card’s offer details.

Best for cash back rewards for business: The American Express Blue Business Cash™ Card

Best features: With no annual fee, you can quickly rack up cash back for your business with this card. You’ll earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
Biggest drawbacks: The spending cap on 2% earnings will be a disappointment to businesses who can easily spend more than $50,000 per year.
Alternative: The Blue Business Plus Credit Card from American Express has a more complicated rewards program that can provide more value to small-business owners who want to maximize the amount of rewards they earn.
Bottom line: Start-ups and small businesses will appreciate the simplicity that this flat-rate rewards card offers.

Read our The American Express Blue Business Cash™ Card review or jump back to this card’s offer details.

Best for travelers who want elite status: Delta SkyMiles® Platinum American Express Card

Best features: Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart. Delta SkyMiles® Platinum American Express Card members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Biggest drawbacks: A $350 annual fee and no free lounge access.
Alternative: For a lower annual fee, the American Express Gold Card won’t get you elite status with Delta. But it offers more flexibility and its own sets of features and benefits that may be more appealing.
Bottom line: Frequent travelers and Delta loyalists will be delighted by the long list of travel perks, such as an annual companion certificate, discounts on inflight purchases, priority boarding and more.

Read our Delta SkyMiles® Platinum American Express Card review.

Best for airline miles: Delta SkyMiles® Gold American Express Card

Best features: In addition to Delta, travelers have its large network of airline partners to choose from. Best of all, miles don’t expire.
Biggest drawbacks: This card doesn’t come with lounge access and won’t help you earn Delta’s elite status.
Alternative: The Capital One Venture Rewards Credit Card carries a slightly smaller $95 annual fee and provides better flexibility for people who are not loyal to Delta. The 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel along with 2 miles per dollar on all other purchases will be a better fit for people who tend to spend a lot in areas that typically only earn 1 mile per dollar with other cards.
Bottom line: If you are a frequent traveler of Delta airlines, this card is a great option as you earn 2X miles on Delta purchases, at restaurants worldwide and at U.S. supermarkets.

Read our Delta SkyMiles Gold American Express Card review.

Best for business rewards with no annual fee: The Blue Business® Plus Credit Card from American Express

Best features: For small business owners, this is one of the best credit cards with no annual fee, thanks to its solid rewards and flexible financing features. Cardholders earn 2X points per dollar on everyday business purchases, up to $50,000 per year; and 1X point thereafter.
Biggest drawbacks: The spending cap will disappoint businesses with large expenses over $50,000.
Alternative: If you’re fine with redeeming your rewards for statement credits, the American Express Blue Business Cash™ Card is a better fit for small-business owners looking for a simple way to earn rewards. Learn more about the American Express Blue Business® Plus vs. Blue Business Cash™.
Bottom line: Frequent business travelers will appreciate the flexibility and features that come with The Blue Business Plus Credit Card from American Express.

Read The Blue Business Plus Credit Card from American Express review.

Best for everyday travel: American Express Green Card

Best features: Its expanded travel category makes it a great fit for commuters who use public transportation and rideshare services frequently. Additionally, it earns high rates for certain dining purchases.
Biggest drawbacks: The American Express Green Card has a $150 annual fee that may be hard to offset if you don’t fly frequently and use the CLEAR Plus and LoungeBuddy credits.
Alternatives: The Wells Fargo Autograph℠ Card, which comes with no annual fee, may be a better option for frequent commuters since it’s extremely low-cost.
Bottom line: The Amex Green Card is a solid option if you fly and commute often, as long as you take advantage of the LoungeBuddy and CLEAR Plus membership credits and redeem points for travel.

Read our American Express Green Card review or jump back to this card’s offer details.

What is an American Express credit card?

Seen as a gold standard in card services, American Express is both an issuer and a network. That means it issues cards and services them through its own network of merchants. American Express is known for excellent benefits, including no foreign transaction fees in the case of many cards and 2.7% in others (which is lower than many other cards).

But Amex is more than just a card issuer. In fact, it is tied with Chase for having the highest purchase volume of all credit card issuers in the U.S.

Services offered by American Express

Credit cards. Amex is perhaps best known for its luxury rewards credit cards, which offer premium benefits in exchange for a sometimes sizable annual fee. However, it does offer a few of the best cash back credit cards for everyday spending. With exclusive partnerships with Hilton and Delta, Amex also offers cards that reward mightily for loyalty.
Business cards. With a full suite of cards that cater to the business owner, Amex offers products that reward handsomely for business purchases.
Savings accounts. While not well known for this offering, Amex’s savings accounts are worth a look with interest rates well above competitors.
Personal loans. For the qualifying member, you can get a personal loan with well under 10% APR.

How to choose an American Express credit card

American Express’ catalog of options provide a variety of ways to earn and reap benefits while using your card. With several strong rewards cards, there are specific spenders who best fit Amex’s offers.

Who should get an Amex credit card

Travelers. When you want to earn hotel and airline points, American Express has some of the best travel rewards on the market. Amex travel cards offer lucrative rewards rates and high-end travel benefits. Guests frequenting Marriott, Hilton and Delta have lots of opportunity, plus, using American Express Travel to book trips with your card or redeem points for travel can come with bonus rewards and extra value.

Foodies. No matter where you get your meals, American Express has some of the best credit cards for food purchases. From the Blue Cash Preferred to the Gold and Platinum cards, cardmembers can find industry-leading rewards rates at U.S. supermarkets as well as top-notch rewards rates at restaurants.

Business owners. When you need a small-business credit card, Amex has you covered. Some come with no annual fee, while The Business Platinum Card carries a $695 annual price tag; some are built for simple cash back, others are for chasing travel points and loyalty status with airlines; some earn high-dollar welcome bonuses after spending a large amount, some are designed for a startup on a budget. No matter the case, your business could likely benefit from an Amex card.

Who should skip Amex credit cards?

Credit builders. If your credit history is less than stellar, it’s unlikely you’ll be approved for an American Express card. Amex cards come loaded with excellent member perks and typically require a FICO credit score in the range of 670 to 850. Those with credit scores outside this range would be better served by a card that allows them to build credit before moving up to an Amex.

Debt holders. Like some other financial institutions, Amex doesn’t offer balance transfers on its credit cards. So if you carry a lot of debt on other credit cards, check out balance transfer credit cards. Making interest-free payments for a limited time could help you save a lot of money.

Overseas spenders. When you travel abroad or make online purchases with foreign merchants, it’s helpful to have a credit card that is widely accepted and charges no foreign transaction fees. American Express has a large presence around the world, but it doesn’t match the global acceptance of Visa or Mastercard. Plus, most Amex credit cards charge a foreign transaction fee. (The ones that don’t will come with an annual fee or are a Hilton or Delta co-branded credit card.)

What programs does American Express offer?

Many American Express credit cards feature competitive base rewards programs and lucrative welcome offers. They also offer a number of valuable benefits that can prove useful when shopping or traveling. These benefits, which are not exclusive to Amex’s premium products, can include:

Extended warranty: When you make a purchase with your card, a one-year warranty is added to the original U.S. manufacturer’s warranty up to five years and for a maximum of $10,000. You can’t exceed $50,000 in a calendar year.
Purchase protection: When you make a purchase on your card, your purchases can be protected up to 90 days if stolen or accidentally damaged. It’s limited to $1,000 per item and $50,000 per cardmember per calendar year. With some premium cards, such as Platinum Card, the limit is $10,000 per item for up to $50,000 per calendar year.
Return protection: If a merchant won’t take back an eligible item within 90 days, Amex might reimburse you for the full amount minus shipping and handling for up to $300 per item and up to $1,000 per calendar year.
Shop small: A way to support both small businesses and their cardholders, this program is offered by many Amex cards to give you a chance at earning a bit of cash back when spending at select local merchants.
Transfer partners: If you want to get the biggest bang for your buck, transferring your miles to one of the many American Express airline partners is usually your best bet. Compare American Express transfer partners with our full guide and valuations.
Baggage insurance plan: A travel and business card benefit, this plan varies according to the corresponding card and the state you are in.
Car rental loss and damage insurance: Unlike some of the best Chase credit cards, this insurance is secondary, meaning it kicks in after other insurance, such as your personal insurance.
Global Assist® Hotline: Global Assist is available to all U.S. cardmembers and helps to prepare for your trip with customs information and destination guides. When you are more than 100 miles from home, benefits can include lost passport replacement assistance and translation services. There is also Premium Global Assist for superior products.
Statement credits: Depending on your card, you may have a few extra ways to save some money. The right Amex card will grant you statement credits to put towards travel purchases like Global Entry or TSA PreCheck and to help with paying for food through Uber Eats.
Travel insurance: This benefit varies by card. The most premium cards offer trip cancellation, interruption and delay insurance. Check out our guide to American Express travel insurance for card-by-card comparisons.
Lounge access: No matter what type of traveler you are, American Express has some of the best credit cards for airport lounge access. This includes the Green card’s budget-friendly LoungeBuddy credit and the Platinum card’s premium access to five lounge networks (good for more than 1,400 lounges in over 140 countries). For more information, take a look at this guide to American Express lounges.

American Express also offers several flexible payment options on certain personal and business cards. These options can include:

Pay It, Plan It®: This feature, available on select personal cards, allows eligible cardholders to pay small purchase amounts (less than $100) right away through the American Express app. Alternatively, it lets them split up larger purchases (over $100) into monthly payments with a fixed fee. Learn if Amex’s Pay It Plan It is worth it.
Pay Over Time: This feature, available on select personal and business cards, lets eligible cardholders carry a balance on eligible purchases, with interest.
Working Capital Terms: This feature allows eligible business cardholders to get access to up to $150,000 in funding.
Expanded Buying Power: This feature allows eligible business cardholders to spend over your credit limit (terms apply).

What is the American Express Membership Rewards program?

The Amex Membership Rewards program allows you to redeem your points in a variety of ways, whether you want to use it to give a gift or to save up for the big trip. Here are some of the ways you can redeem:

Redemption options

Travel Rewards:
- Transfer Points. American Express transfer partners help you get the most mileage out of your Membership Rewards points. Though not all transfers are instantaneous, Amex has widespread connections with multiple travel partners and most of them transfer points at a 1:1 rate.
- Book a trip with points on AmexTravel.com. You can use them for part or all of your flight, or a prepaid hotel, vacation package or cruise booking.
Gift Cards: You can redeem for gift cards to more than 100 restaurants, retailers, or for entertainment or travel brands. You can also redeem for an Amex gift card that you can use at participating retailers.
Merchandise: Shop on MembershipRewards.com for such items as electronics, jewelry, sports equipment or home decor.
Shopping: You can use points when shopping online and in-store with participating merchants.
Charges: You can apply points toward eligible charges you’ve already made on your card.
Charity: Use your points to make donations through the online social platform JustGiving.

How we picked the best American Express credit cards

Methodology: We analyzed American Express’ suite of cards to identify its top products in popular credit card categories. Core criteria we considered in our analysis include:

Base rewards program: Does the card’s base rewards program offer a competitive return on spending for its card category (cash back, travel, business, etc.)?
Additional benefits: Does the card include applicable American Express services or benefits, like purchase protection, return protection, and an extended warranty for everyday spending cards, or baggage insurance, lounge access, or trip cancellation insurance for travel credit cards?
Welcome offer: Welcome offers let new cardholders earn extra rewards if they spend a certain amount of money in a specified time period, usually their first three months. They’re a short-term incentive, but often quite lucrative, and can tip the scales when cards offer similar base rewards and benefits. As such, we factored welcome offers in our analysis of the best American Express cards.
Annual fee: Does the card carry an annual fee? Given many Amex cards do, we assessed whether that fee could be offset by the card’s rewards program, welcome offer and any additional benefits. In other words, we considered the card’s potential value.
Annual percentage rates (APR) and/or flexible financing options: Where applicable, are the card’s APRs comparable to the average APR in its card category? Similarly, do cardholders have access to Amex’s flexible financing features? Note: It’s best practice to pay balances off in full on rewards credit cards so you don’t lose points, miles or cashback to interest.

Additional information on American Express credit cards

For more information on all things American Express credit cards, continue reading content from our credit card experts:

Frequently Asked Questions

American Express primarily offers rewards cards for personal or business use, so you generally need good-to-excellent credit to qualify for their products. That equates to a FICO credit score between 670 and 850.

Specific criteria will vary by product, and American Express considers other factors like your income or reported debt levels when considering your application. However, as a general rule of thumb, the more lucrative the rewards, the higher you can expect the credit score requirements to be. In other words, a score of 670 might qualify you for the entry-level Blue Cash Everyday Card, while the premium Platinum Card might require excellent credit (think a score of 740 or higher).

Learn more about American Express’ credit score requirements, plus get some tips on how to improve your credit.

American Express has a number of credit cards that charge no annual fee. These are all great options for people who don’t want to pay every year for the privilege of enjoying a certain level of features and benefits. As long as your credit score meets Amex’s good or excellent credit requirements, you’ll find cash back cards, travel rewards and even small business cards.

American Express credit cards that charge no annual fee include:

Blue Cash Everyday® Card
Cash Magnet® Card
Hilton Honors Card
Amex EveryDay® Credit Card
Delta SkyMiles® Blue American Express Card
Blue from American Express®

American Express offers a number of features and benefits across all of their cards. From elevated earnings at restaurants and U.S. supermarkets, to generous travel perks and consumer protections, an Amex card brings incredible value to your wallet. Depending on the card, here is just a small sample of the American Express credit card benefits you’re likely to find:

Welcome offers
Membership Rewards® points
Cash back
Flexible payment options
Purchase and fraud protections
Access to special events like concerts, sports, and theater
Travel protections
Airline credits
Uber credit
Free first checked bag
Transferable points
No foreign transaction fee

American Express makes it easy to see if you’re prequalified for any credit cards. Just fill out an online form, and Amex will perform a soft credit check that doesn’t hurt your credit score. Most people will find out what cards they qualify for in less than a minute. If you qualify for any Amex credit cards, you may even receive personalized offers, such as a higher welcome bonus or lower interest rate. But prequalification doesn’t mean you’re approved. If you find an Amex offer you like, you’ll still need to apply, and when you do, Amex performs a hard credit check.

Want to make your life even easier? Take a look at our Cardmatch™ tool. You may see special offers for credit cards within seconds. But instead of offers from only one company, you’ll see offers from multiple card issuers. Depending on your credit profile, Cardmatch™ lets you see personalized offers from a number of our partners, which include:

American Express
Citi
Discover
Wells Fargo
Bank of America
Credit One Bank

About the Author

Tracy Stewart

Tracy Stewart is a personal finance writer specializing in credit card loyalty programs, travel benefits, and consumer protections. He previously covered travel rewards credit cards, budget travel, and aviation news at SmarterTravel Media. His money-saving tips have appeared in the Washington Post, the Wall Street Journal, Consumer Reports, MarketWatch, Vice, People, the Zoe Report and elsewhere.

About the Editor

Jeanine Skowronski

Jeanine Skowronski is a credit card expert, analyst, and multimedia journalist with over 10 years of experience covering business and personal finance. She has previously served as the Head of Content at Policygenius, Executive Editor of Credit.com, Deputy Editor at American Banker, Staff Reporter at TheStreet and a columnist for Inc. Magazine.

About the Reviewer

Stephanie Zito

Stephanie Zito is a professional traveler, humanitarian and credit card points collector sharing savvy travel tips she has learned firsthand from more than 20 years of circling the globe as a backpacker, expat and premium traveler in more than 125 countries and all seven continents.

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