Before applying, confirm details on the issuer’s website.
CONSUMER CARDS
Blue Cash Preferred® Card from American Express
Our pick for: Households & families
If your household spends a lot on groceries, gas, transit and streaming, the Blue Cash Preferred® Card from American Express is for you. The rewards it pays in those categories — particularly at U.S. supermarkets and on select U.S. streaming subscriptions — are among the richest of any card. There’s a nice welcome offer for new cardholders and an introductory APR period, too. The generous benefits come at a cost, though: Unlike most cash-back cards, this one charges an annual fee. Terms apply. Read our review.
Blue Cash Everyday® Card from American Express
Our pick for: Everyday spending + no annual fee grocery and gas rewards
The Blue Cash Everyday® Card from American Express pays elevated rewards at U.S. supermarkets, at U.S. gas stations and on U.S. online retail purchases. The rewards might not be as rich as on the Blue Cash Preferred® Card from American Express, but this card doesn’t charge an annual fee either. New cardholders get a decent welcome offer and an introductory APR period. Read our review.
The Platinum Card® from American Express
Our pick for: Luxury travel perks
The Platinum Card® from American Express comes with a hefty annual fee, but travelers who like to go in style (and aren’t afraid to pay for comfort) can more than get their money’s worth. Enjoy extensive airport lounge access, hundreds of dollars a year in travel and shopping credits, hotel benefits and more. That’s not even getting into the high rewards rate on eligible travel purchases and the rich welcome offer for new cardholders. Read our review.
American Express® Gold Card
Our pick for: Travel rewards on everyday spending
The American Express® Gold Card can earn you a pile of points from everyday spending, with generous rewards at U.S. supermarkets, at restaurants and on certain flights booked through amextravel.com. Other benefits include hundreds of dollars a year in available dining and travel credits and a solid welcome offer for new cardholders. There’s an annual fee, though, and a pretty substantial one, so it’s not for smaller spenders. Read our review.
American Express® Green Card
Our pick for: Travel and dining rewards
The “original” American Express card is a great fit for travelers who can make use of its extensive list of airline and hotel transfer partners and its rich rewards on dining and travel. The American Express® Green Card also offers some potentially valuable credits and a good welcome bonus offer for new cardholders. There’s an annual fee to consider, however, and getting maximum value can take some work. But if you’re committed to the AmEx Membership Rewards, it’s a fine option. Read our review.
SMALL BUSINESS CARDS
The Business Platinum Card® from American Express
Our pick for: Luxury perks for business travelers
The Business Platinum Card® from American Express comes with a big annual fee. But business travelers who prefer to go in style will find plenty that appeals to them: high rewards on certain travel purchases, bonus rewards on larger nontravel purchases, a superb newcomer welcome offer, extensive airport lounge access, elite hotel status, hundreds of dollars a year in available credits and a list of perks as long as your arm. It’s not cheap, but luxury never is. Terms apply. Learn more and apply.
The American Express Blue Business Cash™ Card
Our pick for: Simple cash rewards for small business
The American Express Blue Business Cash™ Card boasts one of the better introductory APR offers among business credit cards. Beyond that, you earn a solid cash-back rate (at least for a while — the rate drops after you hit a spending threshold). There’s also a $0 annual fee. Terms apply. Learn more and apply.
The Blue Business® Plus Credit Card from American Express
Our pick for: Simple rewards for small business
The Blue Business® Plus Credit Card from American Express is a near-twin to The American Express Blue Business Cash™ Card, with one key difference: Rather than cash back, it pays you in AmEx Membership Rewards points. Learn more and apply.
American Express® Business Gold Card
Our pick for: Customized rewards for business
The rewards on the American Express® Business Gold Card adjust according to your spending. You automatically earn bonus rewards in the top two eligible categories where you spend the most each month. That can translate into outstanding rewards, as long as your business spends money in those categories. If it doesn’t, the steep annual fee probably isn’t worth it. The card has six bonus categories: advertising, gas stations, restaurants, software, transit and wireless telephone service. Only purchases made in the U.S. qualify for bonus categories. Learn more and apply.
The Plum Card® from American Express
Our pick for: Flexible financing for businesses
Businesses with high working capital needs but sometimes inconsistent cash flow might find The Plum Card® from American Express a perfect fit. Pay early and get a discount, or enjoy up to 60 days without interest. Terms apply. There’s a substantial annual fee, but if you’re using the card for, say, big inventory purchases, the benefits could far outweigh the costs. Read our review.
OTHER CARDS ISSUED BY AMERICAN EXPRESS
American Express issues branded credit cards in partnership with airlines, hotels and others. Learn more about these cards by reading the reviews linked below:
Delta Air Lines credit cards
Hilton Hotels credit cards
Other credit cards
American Express credit cards typically charge a range of interest rates. The exact rate on your account will be determined based on several factors when you apply. Typically with credit cards, the better your credit, the lower the rate you may be able to qualify for. Credit card interest rates are usually tied to the prime rate, which is the interest rate that banks charge their biggest customers. When the prime rate goes up, credit card interest rates increase with it.
You can avoid finance charges entirely by paying off your credit card bill in full and on time every month. Doing so gives you a recurring grace period, in which interest never accrues on your purchases.
Some American Express cards, such as The Platinum Card® from American Express and the American Express® Gold Card, were historically charge cards that were designed to be paid in full every month. Now, however, you can use them more like credit cards with their Pay Over Time feature.
Finally, some American Express cards offer a 0% introductory APR period, which gives you. a year or more without interest on purchases, balance transfers or both. These cards include the Blue Cash Everyday® Card from American Express.
With any kind of credit card, your credit limit will depend on factors such as your credit score, payment history, income, credit utilization and large recurring expenses such as rent. Issuers take these factors into account when determining your credit limit, and they also consider macroeconomic factors like the state of the economy. In an unstable economy, it’s not uncommon to see issuers be more conservative with’ credit limits.
Several American Express cards do not have a hard credit limit, or what the issuer refers to as a “preset spending limit.” These include the issuer’s Platinum-, Gold- and Green-branded cards. “No preset spending limit” doesn’t mean your credit is unlimited, however. According to the issuer, “the amount you can spend adapts based on factors such as your purchase, payment and credit history.”
American Express credit cards generally aren’t easy to get. You’ll need good or excellent credit to qualify, which generally suggests a credit score of 690 or better. If you’re unsure as to whether you’re a good candidate for an American Express card, you can use AmEx’s “apply with confidence” option to find out if you’re eligible for some cards with no initial impact on your credit scores.
All information about the American Express® Green Card has been collected independently by NerdWallet. The American Express® Green Card is no longer available through NerdWallet.
To view rates and fees of the American Express® Gold Card, see this page.
To view rates and fees of The Platinum Card® from American Express, see this page.
To view rates and fees of the Blue Cash Preferred® Card from American Express, see this page.
To view rates and fees of the Blue Cash Everyday® Card from American Express, see this page.
To view rates and fees of the Delta SkyMiles® Blue American Express Card, see this page.
To view rates and fees of the Delta SkyMiles® Gold American Express Card, see this page.
To view rates and fees of the Delta SkyMiles® Platinum American Express Card, see this page.
To view rates and fees of the Delta SkyMiles® Reserve American Express Card, see this page.
To view rates and fees of the Hilton Honors American Express Card, see this page.
To view rates and fees of the Hilton Honors American Express Surpass® Card, see this page.
All information about the Hilton Honors American Express Aspire Card has been collected independently by NerdWallet. The Hilton Honors American Express Aspire Card is no longer available through NerdWallet.
To view rates and fees of the Marriott Bonvoy Brilliant® American Express® Card, see this page.
All information about the Business Green Rewards Card from American Express has been collected independently by NerdWallet. The Business Green Rewards Card from American Express is no longer available through NerdWallet.
To view rates and fees of the American Express® Business Gold Card, see this page.
To view rates and fees of The Business Platinum Card® from American Express, see this page.
To view rates and fees of The Plum Card® from American Express, see this page.
To view rates and fees of The American Express Blue Business Cash™ Card, see this page.
To view rates and fees of The Blue Business® Plus Credit Card from American Express, see this page.
To view rates and fees of the Delta SkyMiles® Gold Business American Express Card, see this page.
To view rates and fees of the Delta SkyMiles® Platinum Business American Express Card, see this page.
To view rates and fees of the Delta SkyMiles® Reserve Business American Express Card, see this page.
To view rates and fees of the Marriott Bonvoy Business® American Express® Card, see this page.
To view rates and fees of The Hilton Honors American Express Business Card, see this page.
To view rates and fees of the Amazon Business Prime American Express Card, see this page.
To view rates and fees of the Amazon Business American Express Card, see this page.
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