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16 best Amex credit cards of November 2022: Earn cash again, flexible factors, or airline and hotel rewards

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Insider’s specialists select the best merchandise and providers to assist make sensible choices together with your cash (here’s how). In some instances, we obtain a fee from our our partners, nonetheless, our opinions are our personal. Terms apply to presents listed on this web page.

American Express is most well-known for its journey cards like The Platinum Card® from American Express and premium “experiential” choices like concierge service, nevertheless it additionally presents cards with non-travel perks and decrease annual charges. Amex can be well-known for its glorious customer support and a large assortment of airline, hotel, cash again, and common journey cards. 

If you are searching for the best Amex card to your life-style and spending habits, listed here are those you must contemplate.

Compare the best American Express credit cards

The best American Express credit card opinions

Best Amex card for frequent vacationers: Amex Platinum

At $550, the Platinum Card has one of the best annual charges of any mainstream card. However, so long as you are prepared to drift it up entrance, you will get far more worth again from the cardboard — for example, it is potential to get greater than $2,000 in worth from it throughout your first yr.

The Platinum Card presents 5 factors per greenback spent on flights booked immediately with the airline, in addition to flights and pre-paid accommodations booked by Amex Travel (on as much as $500,000 on these purchases per calendar yr, then 1x). It earns 1 level per greenback on all the things else. 

The card comes with a protracted listing of perks, together with entry to greater than 1,300 airport lounges inside the Priority Pass** network, in addition to Delta Sky Clubs (whenever you’re flying Delta) and proprietary American Express Centurion Lounges. It additionally presents complimentary Gold elite status with Marriott and Hilton hotels**, in addition to as much as $100 per yr in shopping credits at Saks Fifth Avenue**, as much as $200 in Uber credits** every cardmember yr, and entry to particular occasions. The Chase Sapphire Reserve® is one other very talked-about premium credit card, so you might need to compare the Amex Platinum and the Chase Sapphire Reserve earlier than making a ultimate determination.

Read extra concerning the Amex Platinum card:

Best for eating rewards: Amex Gold

The Amex Gold Card is one of the best cards available for dining, until you are solely keen on cash again, fairly than doubtlessly extra worthwhile rewards factors.

The Amex Gold Card earns 4 factors per greenback at eating places and on as much as $25,000 per calendar yr at US supermarkets (and 1 level per greenback after that), 3 factors per greenback on flights booked immediately with the airline, and 1 level per greenback on all the things else. Based on the truth that you may simply redeem Membership Rewards points for greater than 1 cent of worth every, that makes this the highest-earning card for all the things food-related.

Here’s one other reason to consider the Amex Gold card: It provides as much as $120 of dining credits** — break up into as much as $10 every month — at Grubhub, Seamless, The Cheesecake Factory, Milk Bar, Wine.com, Goldbelly, or taking part Shake Shack places. It additionally presents up to $120 Uber Cash (as much as $10 per 30 days credit) every calendar yr (that is solely relevant to US Eats orders and Rides, and the Gold Card must be added to the Uber app to obtain the Uber Cash profit).

Read extra concerning the Amex Gold Card:

Best for cash again: Amex Blue Cash Preferred

If you are much less enthusiastic about incomes Membership Rewards factors — which will be worthwhile, but in addition require some effort to redeem for max worth — and need to follow cash again, the Blue Cash Preferred® Card from American Express is the best choice, even with an annual payment of Blue Cash Preferred® Card from American Express.

You’ll earn 6% cash again on choose U.S. streaming providers and 3% again on all transit. That’s along with 6% cash again at U.S. supermarkets on as much as $6,000 in purchases per calendar yr (and 1% after that), 3% again at U.S. gasoline stations, and 1% cash again on all the things else (cash again is acquired within the kind of Reward Dollars that may be redeemed as assertion credit).

The Blue Cash Preferred® Card from American Express presents a Blue Cash Preferred® Card from American Express, earlier than switching to a 12.99% to 23.99% variable APR

The Blue Cash Preferred® Card from American Express comes with a handful of journey and buy protections as effectively. Cash again comes within the kind of a press release credit, so successfully you should utilize it to “erase” purchases.

Read extra concerning the American Express Blue Cash Preferred card:

Best for bonus factors on journey: Amex Green Card

The Amex Green Card has turn into a prime choice for incomes Membership Rewards factors on journey and eating. 

You’ll earn 3 factors per greenback on all eligible journey, which incorporates all the things from subway fares to accommodations to flights. You’ll additionally earn 3 factors per greenback at eating places worldwide. In phrases of points-earning, this places the Amex Green Card on par with the Chase Sapphire Reserve®, which additionally presents 3 factors per greenback in these spending classes (when purchases aren’t made by Chase Ultimate Rewards®).

Other advantages embody as much as $100 in assertion credit towards CLEAR® membership annually**, and as much as $100 in assertion credit per yr towards LoungeBuddy purchases** (for airport lounge entry).

The Amex Green card has a American Express® Green Card annual payment, however that is comparatively average, particularly when you can take benefit of these two annual assertion credit.

Read extra concerning the American Express Green Card:

Great bonus classes for households: Amex EveryDay Preferred

The Amex EveryDay® Preferred Credit Card is a robust choice for anybody searching for a Membership Rewards card, however who’s not keen on a premium card just like the Platinum or the Amex Gold. It additionally has a robust points-earning scheme and a decrease annual payment of Amex EveryDay® Preferred Credit Card from American Express.

The card earns 3 factors per greenback spent at US supermarkets (as much as $6,000 every calendar yr — 1 level per greenback after that), 2 factors per greenback at US gasoline stations, and 1 level per greenback on all the things else. You also can get 2 factors per greenback on reservations made by Amex Travel.

Best of all, when you make 30 or extra purchases in a billing interval, you will earn a 50% bonus. That signifies that these little $3 and $4 prices for issues like espresso or a snack might help you get a ton of factors rapidly.

The card additionally presents a Amex EveryDay® Preferred Credit Card from American Express, earlier than switching to a 12.99% to 22.99% Variable APR. If you might have an enormous buy developing and need a while to pay it off, however do not need to pay curiosity charges, it is a nice choice.

Read extra concerning the Amex EveryDay Preferred card:

Best with no annual payment: Amex EveryDay Credit Card

The Amex EveryDay® Credit Card from American Express is a no-annual-fee model of the Amex EveryDay® Preferred Credit Card — and it nonetheless presents stable rewards. It earns 2 factors per greenback at US supermarkets (once more, as much as $6,000 of purchases per calendar yr, then 1 level per greenback after that) and at AmexTravel.com, and 1 level per greenback on all the things else. It additionally presents 20% extra factors whenever you make 20 or extra purchases in a billing interval.

Like most Amex cards, it options just a few journey and buy protections, in addition to entry to the Amex Offers program.

While most individuals will probably be higher off with the Preferred, the common EveryDay remains to be a robust choice — particularly since there isn’t any annual payment.

Read extra concerning the Amex Everyday card:

Best card with an intro APR provide: Amex Blue Cash Everyday

The Blue Cash Everyday® Card from American Express is much like the Blue Cash Preferred® Card from American Express, with a distinct incomes construction and no annual payment.

The card earns a decrease 3% cash again at U.S. supermarkets on as much as $6,000 every calendar yr (then 1%), 3% again at U.S. gasoline stations on as much as $6,000 every calendar yr (then 1%), 3% again on on-line retail purchases on as much as $6,000 every calendar yr (then 1%), and 1% cash again on all the things else (cash again is acquired within the kind of Reward Dollars that may be redeemed as assertion credit). While many individuals spend sufficient within the bonus classes to make the Blue Cash Preferred the higher choice, this stays an honest card for anybody who’s strictly against paying an annual payment.

If you are seeking to make a significant buy and pay it off over time, like an equipment or an engagement ring, you may take benefit of the Blue Cash Everyday® Card from American Express (after that, it reverts to a Blue Cash Everyday® Card from American Express APR). You’ll earn cash again on the acquisition, which you’ll put proper in direction of paying it off.

This card additionally presents the next assertion credit:

  • $7 month-to-month assertion credit towards your Disney Bundle subscription** (which incorporates Hulu, Disney+, and ESPN+), as much as $84 per yr.
  • $15 month-to-month credit in direction of your Home Chef subscription** (as much as $180 in credit per yr).

Read extra concerning the American Express Blue Cash Everyday card:

Best enterprise card for vacationers: Amex Business Platinum

The Amex Business Platinum Card is Amex’s top-of-the-line enterprise card, and it has many of the identical perks you will discover on the private Platinum Card, together with as much as $200 in airline payment credit annually for checked baggage charges, lounge day passes, and extra at one chosen airline**, entry to airport lounges together with Centurion Lounges and Priority Pass lounges**, as much as a $100 credit to cowl the appliance payment for Global Entry or TSA PreCheck**, and as much as $189 again per yr on CLEAR® memberships.

It additionally presents a number of advantages that cater to enterprise homeowners, comparable to a 1.5 factors per greenback on purchases of $5,000 or extra — and 1.5 factors per greenback in choose classes (as much as $2 million per calendar yr).

The card additionally comes with doubtlessly $1,000 in annual assertion credit on enterprise purchases between (*16*), Indeed, Adobe, and U.S. wi-fi service suppliers every calendar yr.**

If you employ Amex factors to e-book journey, you will respect the 35% Pay With Points rebate, which applies to business- and first-class flights or flights in any class with a particular qualifying airline booked by Amex Travel.  You can stand up to 500,000 factors again in a calendar yr.

The private Platinum Card has the benefit in the case of journey bonus classes — it earns 5x factors on flights booked immediately with the airline or by Amex Travel, whereas the Business Platinum solely earns 5x factors on flights and pay as you go accommodations booked with Amex Travel. 

Read extra concerning the Amex Business Platinum:

Best enterprise card for giant spenders: Amex Business Gold

Small-business homeowners who spend quite a bit on typical enterprise bills ought to have an in depth have a look at the American Express® Business Gold Card. It earns 4x American Express Membership Rewards factors on the 2 classes (from a listing) the place your corporation spends probably the most every billing cycle, as much as $150,000 per calendar yr (then 1x), and 1 level per greenback on all different purchases.

The listing of 4x classes is sort of broad:

  • Airfare bought immediately from airways
  • US gasoline stations
  • US eating places (together with takeout and supply)
  • US transport suppliers
  • US laptop {hardware}, software program, and cloud programs from choose know-how suppliers
  • US purchases for promoting in choose media (on-line, TV, radio)

The card presently presents an enormous welcome bonus: American Express® Business Gold Card. That’s price American Express® Business Gold Card based mostly on Insider’s valuations, and the cardboard additionally comes with good journey and purchasing advantages. These embody a 25% factors rebate on first- and business-class flights (or financial system flights in your chosen airline) booked by Amex Travel, which is a superb deal when you like redeeming factors for airfare.

There’s a American Express® Business Gold Card annual payment, nevertheless it may very well be effectively price paying when you can take benefit of the cardboard’s bonus classes and perks.

Read extra concerning the American Express Business Gold:

Best enterprise card for incomes most factors: Amex Blue Business Plus

The Blue Business® Plus Credit Card from American Express earns 2 factors per greenback on the primary $50,000 you spend annually (then 1 level per greenback). Up till that $50,000 threshold, you are successfully incomes a 3.6% return on all of your purchases, based mostly on Insider’s points and miles valuations.

Another bonus is that The Blue Business® Plus Credit Card from American Express has no annual payment. Just keep in mind that it’s a small-business credit card, so if you do not have a facet gig or a small enterprise that may qualify you for a business card, you will not be eligible.

Cardholders additionally qualify for a The Blue Business® Plus Credit Card from American Express, adopted by a The Blue Business® Plus Credit Card from American Express APR. This makes the cardboard a sensible choice if your corporation has bigger purchases developing that you just need to pay for over time. 

Read extra concerning the Blue Business Plus card:

Best enterprise card for cash again: Amex Blue Business Cash

If you want the thought of a no-annual-fee enterprise card and desire incomes cash again, the American Express Blue Business Cash™ Card is a superb choice. Cardholders earn 2% cash again on all eligible purchases, on the primary $50,000 spent per calendar yr, then 1% again (cash again is acquired within the kind of Reward Dollars that may be redeemed as assertion credit).

The card would not at all times provide a welcome bonus, however proper now you may earn American Express Blue Business Cash™ Card. There’s additionally a American Express Blue Business Cash™ Card (then a American Express Blue Business Cash™ Card APR), so when you’re planning to make massive purchases after opening the cardboard, you will get a bit of respiration room by taking benefit of this provide.

Read extra concerning the Amex Blue Business Cash:

Best for infrequent Hilton vacationers: Hilton Honors Credit Card

Amex points 4 co-branded Hilton credit cards, and the best choice for infrequent vacationers is the Hilton Honors American Express Card with a Hilton Honors American Express Card annual payment.

The card has a welcome bonus provide of Hilton Honors American Express Card. The factors alone are price Hilton Honors American Express Card based mostly on Insider’s valuations. It additionally comes with perks that embody automated Silver elite standing, which qualifies you for the fifth night time free on customary award bookings of 5 or extra nights.

Using this card for on a regular basis spending can earn you tons of Hilton factors rapidly. Cardholders earn 5 factors per greenback spent on eligible purchases at US eating places, US supermarkets, and US gasoline stations, and 3 factors per greenback spent on all different eligible purchases.

If you do not thoughts paying an annual payment, you should definitely try the Hilton Honors American Express Surpass® Card card as effectively. It has the next welcome bonus provide and earns extra factors on spending, and comes with extra advantages, together with Hilton Gold elite standing, a free night time certificates after you spend $15,000 on eligible purchases in a calendar yr, and Priority Pass Select airport lounge membership** with 10 free visits per yr. There’s a Hilton Honors American Express Surpass® Card annual payment. Here’s our Hilton Surpass review for extra particulars.

Read extra concerning the Hilton Honors Amex card:

Best for frequent Hilton vacationers: Hilton Aspire

With a Hilton Honors American Express Aspire Card annual payment, the Hilton Honors American Express Aspire Card is not for the informal Hilton traveler. But if you may make probably the most of the cardboard’s extremely beneficiant advantages, it may show to be probably the most worthwhile card in your pockets.

Cardholders begin with a welcome bonus provide of Hilton Honors American Express Aspire Card, price Hilton Honors American Express Aspire Card based mostly on Insider’s valuations. New cardholders additionally obtain a free reward night certificate after account opening, legitimate at nearly any Hilton hotel on this planet.

Where the cardboard actually shines is thru the superb perks you will get, together with:

  • Hilton Diamond elite standing (the best tier)
  • Free reward night time certificates annually in your card anniversary
  • Another free reward night time certificates after you spend a complete of $60,000 on eligible purchases in a calendar yr
  • Priority Pass Select airport lounge membership 
  • Up to $250 in airline incidental payment credit per calendar yr**
  • Up to $250 in Hilton resort credits every cardmember yr
  • Up to $100 in on-property credit for minimal stays of two nights at taking part Waldorf Astoria and Conrad properties

This card additionally presents the best incomes charges of any Hilton card, with 14 factors per greenback spent on eligible purchases at Hilton accommodations, 7 factors per eligible greenback spent on flights booked immediately with airways or Amex Travel, on automobile leases booked immediately with choose automobile rental corporations, and at eligible US eating places, and 3 factors per greenback on all different eligible purchases.

Read extra concerning the Amex Hilton Aspire card:

Best for Delta flyers: Delta Gold Card

Delta flyers have a whopping seven co-branded Delta SkyMiles credit cards to select from, starting from the no-annual-fee Delta SkyMiles® Blue American Express Card to the luxurious Delta SkyMiles® Reserve American Express Card.

For the typical traveler who flies Delta just a few occasions a yr, the Delta SkyMiles® Gold American Express Card is our prime decide. For a average Delta SkyMiles® Gold American Express Card annual payment, cardholders obtain elite-like perks that embody a free checked bag on Delta flights for themselves and as much as eight companions on the identical reservation. You’ll additionally get priority boarding and 20% off inflight purchases as a press release credit on Delta flights, and a $100 flight credit whenever you spend $10,000 or extra in a calendar yr.

There’s presently a welcome bonus provide of Delta SkyMiles® Gold American Express Card (price Delta SkyMiles® Gold American Express Card based on Insider’s valuations). Cardholders additionally get first rate journey and purchasing advantages, together with automobile rental insurance coverage, baggage insurance coverage, buy safety, and prolonged guarantee.

Read extra concerning the Amex Delta Gold card:

Best premium card for Delta flyers: Delta Reserve Card

If you fly Delta regularly, particularly when you journey by airports which have Delta Sky Club airport lounges, the Delta SkyMiles® Reserve American Express Card may find yourself saving you a large number of cash together with making your travels extra comfy.

The card’s standout characteristic is Delta Sky Club and Amex Centurion airport lounge entry whenever you fly Delta, and when you take advantage of of this profit, it may very well be effectively price paying the Delta SkyMiles® Reserve American Express Card annual payment.

You’ll additionally obtain a slew of different perks, together with a free first checked bag and precedence boarding on Delta flights, an annual Delta companion certificates, 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases in your card in a calendar yr (as much as 4 occasions), entry to complimentary upgrades and improve precedence, and a Global Entry or TSA PreCheck software payment credit after you apply by any approved enrollment supplier. 

The Delta SkyMiles® Reserve American Express Card presently comes with a welcome bonus provide of Delta SkyMiles® Reserve American Express Card. That’s price round Delta SkyMiles® Reserve American Express Card in flights, based on Insider’s valuations.

Read extra concerning the Amex Delta Reserve:

Best luxurious card for Marriott: Marriott Bonvoy Brilliant

American Express and Chase each situation Marriott Bonvoy credit cards, and Amex’s variations — Marriott Bonvoy Brilliant™ American Express® Card, Marriott Bonvoy Bevy™ American Express® Card, and Marriott Bonvoy Business™ American Express® Card — are glorious picks when you stick with Marriott regularly.

The Marriott Bonvoy Brilliant™ American Express® Card is probably the most rewarding of the bunch, and it is best suited to Marriott loyalists who can use its glorious vary of advantages. It’s obtained a Marriott Bonvoy Brilliant™ American Express® Card annual payment, so it is not for rare vacationers — however when you can maximize its perks, you will get large worth from the cardboard.

Cardholders obtain perks at Marriott and for common journey as effectively, together with:

  • Up to $300 in statement credits per calendar yr (as much as $25 per 30 days) for eligible purchases at eating places worldwide
  • Automatic Marriott Bonvoy Platinum elite standing
  • Annual free night award (legitimate at taking part Marriott Bonvoy properties that value as much as 85,000 factors)
  • 25 elite night time credit every calendar yr
  • Priority Pass Select airport lounge membership**
  • Global Entry or TSA PreCheck® software payment credit

The card presently has a welcome bonus provide of Marriott Bonvoy Brilliant™ American Express® Card. In addition, cardholders earn 6x bonus factors on eligible purchases at accommodations taking part within the Marriott Bonvoy® program (on prime of the factors usually earned from a keep), 3x factors at eating places worldwide and on flights booked immediately with the airline, and 2x factors on all different purchases.

Read extra concerning the Marriott Bonvoy Brilliant card:

How we selected the best Amex cards

We solely thought of Amex-branded cards (not co-branded airline and hotel cards) which can be presently accessible to new candidates and checked out a number of components:

  • Simplicity — Does the cardboard provide an easy-to-use rewards program and redemption choices? Are there any restrictions to navigate?
  • Earning potential — Are there beneficiant spending classes or a robust rewards charge throughout all purchases, and is there a welcome bonus provide?
  • Annual payment — No-annual-fee cards are interesting, but when the cardboard prices an annual payment, does it provide advantages that justify the price?
  • Options for various sorts of customers — We made positive to incorporate cards which can be geared to varied customers, from cards with a 0% APR provide to journey factors and cash-back cards.

Amex cards additionally provide numerous benefits like travel insurance and buy safety. Additionally, all American Express cardholders get entry to Amex Offers** that may earn you bonus factors or get cash again whenever you store with sure retailers.

Before you resolve on an American Express card, you should definitely contemplate what you need to do together with your rewards, in addition to your spending habits — some cards provide bonus rewards in widespread classes, so these is likely to be a more sensible choice in the event that they suit your typical purchases.

American Express credit card steadily requested questions (FAQ)

How many Amex cards can you might have?

You can have as much as 5 Amex credit cards at one time, together with each private and enterprise cards.

This determine doesn’t embody the cards with which there is not a set credit restrict, nonetheless. Cards like The Platinum Card® from American Express and American Express® Gold Card won’t depend in opposition to this five-card restrict.

Why is the American Express Black Card not on our listing?

The Amex Black Card, or extra formally, the Centurion® Card from American Express, is by invitation solely. There is not any software web page (although you may request an invitation). Because there aren’t any public software pages, we do not contemplate it to be one of the best Amex cards.

This card comes with a $10,000 initiation payment and an annual payment of $5,000. There seem like no predetermined {qualifications} for this card, nevertheless it’s typically believed that clients should spend a number of hundred thousand {dollars} per yr on their credit card earlier than Amex sends an invitation.

Does Amex do debit cards?

American Express does situation debit cards by the American Express Serve household of cards. With these pay as you go debit cards, you may successfully deposit cash onto your card and use it as a checking account of kinds. These cards don’t require a credit inquiry to open, although they do include nominal month-to-month charges.

Are American Express cards made of steel?

Many American Express cards are made of steel — primarily these with greater annual charges. The The Platinum Card® from American Express and The Business Platinum Card® from American Express are the heaviest and most spectacular. Other cards, even co-branded credit cards, additionally include steel in between two sheets of plastic. 

Where is the safety code on an American Express card?

The safety code on Amex credit cards is a four-digit quantity positioned on the entrance of your card on the right-hand facet. Amex cards nonetheless include a three-digit code on the again (much like different card issuers), however you will hardly ever want that.

Does American Express have a secured credit card?

American Express would not presently provide secured credit cards. However, many different banks do — you’ll find the highest secured choices in our information to the best credit cards for bad credit.

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