Best American Express Credit Cards of September 2022


Best feature: Cash back in bonus categories

Blue Cash Preferred Card from American Express

The Blue Cash Preferred Card from American Express offers excellent rewards for everyday spending. Rewards earnings with the Blue Cash Preferred Card from American Express are above average for everyday expenses. You earn 6% cash back on up to $6,000 in purchases at U.S. supermarkets each year (then 1%). This card also earns 6% cash back on select U.S. streaming subscriptions, 3% cash back on transit and at U.S. gas stations, and 1% cash back on other purchases. With this card’s welcome offer, you will earn a earn a $350 statement credit statement credit after you spend $3,000 in purchases on your new Card within the first 6 months..

The Blue Cash Preferred Card from American Express has a 0% introductory annual percentage rate on purchases for 12 months, then a 16.24% to 27.24% variable APR. There is a $95 annual fee. The card offers valuable benefits including car rental insurance, fraud protection and more.

Best for people who:

  • Want to earn rewards for household expenses
  • Want to earn a welcome offer without spending thousands
  • Can plan their spending to maximize bonus categories

Best feature: Delta Air Lines rewards

Delta SkyMiles Gold American Express Card

Frequent flyers of Delta Air Lines can earn great rewards with the Delta SkyMiles Gold American Express Card. This card offers 2 miles per dollar on Delta Air Lines purchases, at restaurants worldwide and at U.S. supermarkets, and 1 mile per dollar on all other eligible purchases.

You can earn earn 40,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months..

Fly with Delta using your card and you’ll get your first checked bag free on Delta flights as well as priority boarding and reduced fees for access to the Delta Sky Club. Other benefits included with this card are rental car loss and damage insurance and purchase protection.

Best for people who:

  • Frequently fly with Delta Air Lines
  • Spend enough to qualify for the welcome offer
  • Can earn enough rewards to offset the annual fee

Best feature: Premium cardholder benefits

The Platinum Card from American Express

The Platinum Card from American Express offers lucrative rewards for frequent travelers who are willing to pay the card’s $695 annual fee (See Rates & Fees). Cardholders earn five Membership Rewards points per dollar on up to $500,000 in flights reserved through airlines or with American Express Travel each calendar year. Spending on prepaid hotels booked with American Express Travel also earns five points per dollar. Other purchases earn one point per dollar.

Among the card’s other benefits is up to $200 in statement credits each calendar year to cover eligible hotel bookings, up to $200 in statement credits each calendar year to cover airline fees, and a statement credit to cover the fee for either Global Entry or TSA PreCheck.

You earn 100,000 Membership Rewards® points with The Platinum Card from American Express after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.

Best for people who:

  • Travel frequently.
  • Can earn the welcome offer.
  • Will make up for the annual fee by using the card’s perks.

Best feature: Rewards on dining and travel

American Express Gold Card

The American Express Gold Card earns four points per dollar for restaurant spending, four points per dollar on up to $25,000 in spending at U.S. supermarkets each calendar year, and three points per dollar when you book flights with airlines or online via American Express Travel. Eligible purchases outside the bonus categories earn one point per dollar.

The card charges a $250 annual fee (See Rates & Fees) and does not have a foreign transaction fee. You can earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Other card benefits include up to $120 in dining credits each calendar year and up to $10 in Uber Cash each month.

Best for people who:

  • Spend a lot in the card’s bonus categories.
  • Can earn enough rewards to make up for the annual fee.
  • Can earn the welcome offer.

Best feature: Cash back on everyday purchases

Blue Cash Everyday Card from American Express

With the Blue Cash Everyday Card from American Express, you can earn solid rewards on everyday spending for no annual fee. The card earns cash back on eligible purchases as follows: 3% on up to $6,000 each year at supermarkets in the U.S., 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

The card comes with a 0% introductory APR on purchases for 15 months. After that, the ongoing APR is 16.24% to 27.24% variable, based on factors such as your creditworthiness (See Rates & Fees).

Cardholders also get access to fraud protection, ticket presales via American Express Experiences and other features.

Best for people who:

  • Want to earn cash back on everyday spending.
  • Don’t want to pay an annual fee.
  • Want to pay for a large purchase over time.

Best feature: Cash back in business purchases

American Express Blue Business Cash Card

With the American Express Blue Business Cash Card, 2% cash back on all eligible purchases for the first $50,000 spent annually, then 1% after that. Cash back bonuses are automatically credited to the customer’s billing statement.

This card has no annual fee and offers a 0% introductory APR on purchases for the first 12 months (then the APR is 15.49% to 23.49% variable). Cardholders benefits include purchase protection, extended warranty coverage, Global Assist Hotline access, and car rental loss and damage insurance.

Best for businesses that:

  • Want to earn bonus rewards on every purchase.
  • Don’t want to pay an annual fee.
  • Want to finance large purchases within the first year of membership.

Best feature: Business-specific bonus categories

American Express Business Gold Card

Designed for small businesses, the American Express Business Gold Card offers bonus rewards on everyday purchases. Valuable card benefits and flexible payment options make this card a good choice for business owners.

The American Express Business Gold Card earns four points per dollar in the two categories where your business spent the most each month. This applies to the first $150,000 in combined purchases each year, and after that, the purchases earn one point per dollar. Categories include directly purchased airfare; U.S. advertising in select media; U.S. gas station purchases; U.S. restaurant purchases; U.S. shipping purchases; and directly purchased U.S. computer hardware, software and cloud solutions. Every other eligible purchase earns one point per dollar. New cardholders earn earn 70,000 Membership Rewards® points bonus points if they spend after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*.

The Pay Over Time feature lets cardholders decide whether you want to pay eligible purchases in full each month-or pay over time with interest. Although the card charges a $295 annual fee, it offers valuable benefits, including car rental loss and damage insurance, a baggage insurance plan and a Global Assist Hotline. You’ll pay a 16.49% to 24.49% variable APR (See Rates & Fees).

Best for businesses that:

  • Don’t want to worry about tracking bonus categories
  • Can earn enough rewards to offset the annual fee
  • Value travel and protection benefits

Best feature: Delta Air Lines rewards

Delta SkyMiles Reserve American Express Card

The Delta SkyMiles Reserve American Express Card comes with a range of travel benefits. You’ll get 3 miles per dollar on Delta purchases and 1 mile per dollar on other spending, and you’ll be able to unlock higher Medallion Tiers more easily.

The card charges a 17.99% to 26.99% variable APR (See Rates & Fees). The annual fee is a $550 (See Rates & Fees), and there is no foreign transaction fee. New cardholders can earn 50,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.

Other card benefits include a free first checked bag on Delta flights and a statement credit to cover the fee for TSA PreCheck or Global Entry.

Best for people who:

  • Fly with Delta.
  • Can unlock the welcome offer.
  • Don’t mind paying an annual fee.

Best feature: Premium cardholder benefits

The Business Platinum Card from American Express

Businesses can earn big on travel and large business purchases while enjoying premium benefits with The Business Platinum Card from American Express.

Flights and prepaid hotels booked with amextravel.com earn five points per dollar with The Business Platinum Card from American Express. Additionally, earn 1.5X points on eligible purchases 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 everywhere else, on up to $2 million of these purchases per calendar year. You’ll earn earn 120,000 Membership Rewards® points Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.

Although The Business Platinum Card from American Express comes with an annual fee of $695, it offers a lot of value. Premium travel benefits include access to airport lounges worldwide; and hotel privileges, including room upgrades, daily breakfast, late checkout and additional special amenities.

Best for businesses that:

  • Regularly incur business travel expenses
  • Spend enough to qualify for the big welcome offer
  • Can earn enough rewards to offset the annual fee
  • Can get value from available benefits

Best feature: Simple rewards system

The Blue Business Plus Credit Card from American Express

With The Blue Business Plus Credit Card from American Express, business users can earn rewards for no annual fee. The card earns two points per dollar on the first $50,000 spent each year and one point per dollar on all other spending.

There is a 0% introductory APR on purchases for 12 months, then the variable APR ranges from 15.49% to 23.49% variable (See Rates & Fees). The card charges a 2.7% fee for foreign transactions after the transactions are converted to U.S. dollars.

The Blue Business Plus Credit Card from American Express will 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. The card also comes with the option to add employee cards for free.

Best for businesses that:

  • Would benefit from a simple rewards system.
  • Don’t want to pay an annual fee.
  • Don’t make many purchases outside the U.S.

Best feature: Delta Air Lines rewards

Delta SkyMiles Reserve Business American Express Card

The Delta SkyMiles Reserve Business American Express Card is a business credit card that earns travel rewards on eligible purchases. Cardholders can get 3 miles per dollar on spending with Delta, 1.5 miles per dollar after they have charged $150,000 to the card in a calendar year and 1 mile per dollar on other purchases.

The card charges a 17.99% to 26.99% variable APR. The annual fee is $550, and there is no foreign transaction fee (See Rates & Fees). New cardholders can earn 60,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) with the Delta SkyMiles Reserve Business American Express Card after you spend $4,000 in purchases on your new Card in your first 3 months.

Cardholders can upgrade their Medallion Status more quickly with Status Boost, a feature that offers 15,000 Medallion Qualification Miles for every $30,000 you spend on the card in a calendar year, up to $120,000. There are four tiers of Medallion Status, which comes with benefits such as free seat upgrades and waived baggage fees.

Best for businesses that:

  • Book flights with Delta.
  • Have enough expenses to unlock the welcome offer.
  • Can pay the annual fee.

Best feature: Annual hotel stay spend bonus

Hilton Honors American Express Surpass Card

Travelers who stay at Hilton hotels and resorts and don’t mind paying an annual fee can access valuable rewards with the Hilton Honors American Express Surpass Card. The card earns 12 points per dollar on eligible purchases at Hilton hotels and resorts; six points per dollar for eligible U.S. spending on dining, supermarkets and gas; and three points per dollar on all other eligible purchases.

If you open a card and spend $2,000 in the first three months, you can unlock . Cardholders must pay a $95 annual fee, and there is no foreign transaction fee. The card’s APR is 15.74% to 24.74% variable.

Other card benefits include complimentary Hilton Honors Gold Status, a perk that comes with space-available room upgrades and an 80% points bonus for spending on Hilton stays.

Best for people who:

  • Stay at Hilton hotels and resorts.
  • Can earn the welcome offer.
  • Don’t mind paying an annual fee.

Best feature: Flat-rate cash back rewards

American Express Cash Magnet Card

The American Express Cash Magnet Card offers a simple rewards system: 1.5% cash back on all purchases. You can also unlock a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months.

The card comes with a 0% introductory APR on purchases for 15 months. After that, the APR is 13.99% to 23.99% variable, based on your creditworthiness (See Rates & Fees). There is no annual fee.

Cardholders get fraud protection and access to features such as Pay It Plan It and ticket presales with American Express Experiences.

Best for people who:

  • Want a simple cash back card.
  • Don’t want to pay an annual fee.
  • Can earn the welcome offer.

  • Travel
  • Gift cards
  • Experiences and events
  • Merchandise

American Express has credit cards that offer flat-rate earning and bonus categories. Bonus categories often include travel brands, U.S. supermarkets, U.S. gas stations and business expenses.

American Express Membership Rewards value will vary depending on which card you use and how you choose to redeem your points.

If your card is eligible, points earned with the American Express Membership Rewards program can be transferred to participating partners. With 20 airline and hotel partners, you can use your American Express Membership Rewards points for travel with many of the world’s leading travel brands including:

  • Air France
  • British Airways
  • Delta Air Lines
  • Emirates
  • Hawaiian Airlines
  • JetBlue
  • Virgin America
  • Virgin Atlantic
  • Choice Hotels
  • Hilton
  • SPG

American Express Membership Rewards points have no expiration date. However, you may forfeit your points if your card is canceled or if you attempt to use or earn points fraudulently. Many American Express cards come with automatic enrollment in Membership Rewards, while others can be enrolled for a fee.

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