24 Best American Express Cards [Ranked]

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Some of the best credit cards are offered by American Express, which has a diverse set of partners including Delta Air Lines, Marriott, and Hilton.

You can find cards with no annual fee or cards that have great perks such as airport lounge and elite status.

1. Gold - 4x Points on Groceries and Dining

The American Express Gold is an earning powerhouse for dining and grocery purchases and comes with a welcome bonus of 60,000 Membership Rewards points.

This card earns 4x points at restaurants worldwide, including takeout and delivery, and 4x points at U.S. supermarkets. 

It also earns 3x points on flights booked directly with airlines or on AmexTravel.com. 

A $120 dining credit plus $120 in Uber Cash for U.S. Uber rides or Uber Eats orders can offset the card’s $250 yearly fee. 

Plus, you’ll get several travel protections, including trip delay, secondary rental car insurance, purchase protection, and baggage insurance. 

2. Hilton Aspire - Top Tier Elite Status

The Hilton Honors American Express Aspire is a premier card packed with top-notch hotel benefits and earns 14x Hilton Honors points at Hilton hotels and resorts. 

This premium hotel rewards card has a $450 annual fee, but it comes with an automatic Hilton Honors Diamond status, which gets you a 100% points bonus, milestone bonuses, suite upgrades, free breakfast, and other top-tier hotel perks. 

Plus, you receive up to $250 Hilton resort statement credits, $250 airline fee credits, and $100 Hilton on-property credit, which easily offset the card’s yearly fee. 

Cardholders also enjoy unlimited Priority Pass lounge access with two guests and one free weekend night award at any Hilton hotel. 

Easy Diamond Status
American Express Hilton Aspire
  • Welcome Offer of 150,000 Hilton Honors Bonus Points
  • Complimentary Hilton Honors Diamond Elite Status
  • 14x Points at Hilton Hotels and Resorts
  • One Free Weekend Night Award at Any Hotel
  • $250 Hilton Resort Statement Credit
  • $250 Airline Fee Credit
  • $100 Hilton On-Property Credit
  • Priority Pass Airport Lounge Access With Two Guests
  • Annual Fee of $450
Learn More Our Review

3. Platinum - Best for Airport Lounges

The American Express Platinum is the best premium travel rewards card for travelers who want airport lounge access to international lounges, including Centurion Lounges, Delta Sky Clubs (when flying Delta), Escape Lounges, Priority Pass lounges, and more. 

The American Express Platinum has a $695 annual fee, but you’ll get a slew of yearly statement credits, including a $200 hotel credit, $240 digital entertainment credit, $200 airline fee credit, $200 Uber credit, and $155 Walmart+ credit. 

You also earn 5x Membership Rewards points when booking flights directly with airlines or with American Express Travel and 5x Membership Rewards points when booking prepaid hotels with American Express Travel. 

On top of that, you automatically earn Marriott Bonvoy Gold Elite and Hilton Honors Gold statuses, which offer points bonuses, room upgrades, late check-out, and other premier benefits. 

125,000 Points
American Express Platinum
  • Welcome Bonus of 125,000 Points
  • 5x Points on Flights
  • $200 Airline Fee Credit
  • $200 Uber/Uber Eats Credit
  • $200 Hotel Credit
  • $240 Digital Entertainment Credit
  • Airport Lounge Access (Centurion, Delta SkyClub, Priority Pass, Escape, and Plaza Premium)
  • Trip Delay and Trip Cancellation Insurance
  • $179 CLEAR Credit
  • $155 Walmart+ Credit
  • $695 Annual Fee
Learn More Our Review

4. Blue Business Plus - 2x Points Everywhere

The American Express Blue Business Plus features great flat-rate rewards for no annual fee, earning 2x Membership Rewards points on the first $50,000 in purchases every year. 

Plus, it has a solid 0% introductory APR for the first 12 months, so you have more time to pay down your business bills.  

You get 15,000 bonus points after spending $3,000 in your first three months from account opening. 

With Expanded Buying Power, the card gives you the flexibility to spend more than your credit limit and get business done. 

American Express Blue Business Plus
  • Welcome Offer of 15,000 Membership Rewards Points
  • 0% Intro APR for 12 Months
  • 2X Points on Any Category on Your First $50,000
  • Expanded Buying Power to Boost Your Spending Limit
  • Zero Annual Fee
Learn More Our Review

5. Business Platinum - Best for Airport Lounges

The American Express Business Platinum is an outstanding choice for business owners who want airport lounge access including the American Express Global Lounge Collection, Centurion Lounges, Delta Sky Clubs, Escape Lounges, Priority Pass lounges, and more. 

For a $695 annual fee, this card is loaded with premium perks including a $400 Dell credit, $200 airline incidental credit, $360 Indeed credit, $150 Adobe credit, and $120 wireless telephone credit. 

You earn 5x Membership Rewards points on eligible flights and 1.5x points on business categories and each $5,000 qualifying purchase. 

The American Express Business Platinum comes with automatic Hilton Honors Gold and Marriott Bonvoy Gold, so you can enjoy perks like room upgrades, late check-out, and a points bonus.

Top Airport Lounge Access
American Express Business Platinum
  • Welcome offer of 120,000 Membership Rewards Points
  • 5X Points on Flights and Prepaid Hotels and 1.5X on Business Categories
  • Airport Lounge Access at Centurion Lounges, Delta SkyClubs, Escape, Plaza Premium, and Priority Pass
  • $1,409 in Credits ($200 Airline Fee, $400 Dell, $120 Wireless, $360 Indeed, $150 Adobe, and $179 CLEAR)
  • Marriott Bonvoy Gold and Hilton Honors Gold
  • 35% Points Back When Using Points via AmexTravel
  • $695 Annual Fee


Learn More Our Review

6. Blue Cash Preferred - 6% Back on Groceries

The American Express Blue Cash Preferred offers an outstanding 6% cashback rewards for purchases at U.S. supermarkets and on U.S. streaming services, making it perfect for anyone who wants to maximize earnings from everyday expenses. 

Offering a $0 introductory annual fee followed by $95 per year, this highly rewarding card earns 3% cashback at U.S. gas stations and on transit, including rideshare, taxis, buses, trains, and parking. 

6% Cash Back at U.S. Supermarkets and on U.S. Streaming
American Express Blue Cash Preferred
  • Welcome Offer of $300 Statement Credit
  • 0% Intro APR for 12 Months
  • $0 Buy Now, Pay Later Plan It for 12 Months
  • 6% Cash Back at U.S. Supermarkets and on U.S. Streaming
  • 3% Cash Back on Transit and Gas
  • $120 Equinox+ Credit
  • $0 Intro Annual Fee, Then $95 After
Learn More Our Review

7. Marriott Bonvoy Brilliant - Free Annual Night

The Marriott Bonvoy Brilliant American Express is a premium hotel card that comes with a massive bonus of 100,000 Marriott Bonvoy points plus a free night award when you spend $5,000 in your first three months. 

This premium hotel rewards card earns 6x Marriott Bonvoy points at participating hotels and 3x points on airfare booked directly with airlines and at U.S. restaurants. 

At $450 per year, this luxury card gets you an annual free night award that you can use at participating hotels costing 50,000 Marriott Bonvoy points.

On top of that, you receive $500 worth of statement credits, including a $300 Marriott Bonvoy credit for purchases at participating hotels, a $100 on-property credit for qualifying charges when booking a two-night stay, and a $100 Global Entry or TSA PreCheck credit. 

The Marriott Bonvoy Brilliant card also rewards you with 15 elite night credits to help you reach higher elite status faster and comes with Priority Pass Select membership for access to 1,300+ lounges worldwide. 

Free Night Award and Priority Pass Select
Marriott Bonvoy Brilliant American Express
  • Welcome Offer of 75,000 Marriott Bonvoy Points
  • 6X Points on Marriott Hotels & Resorts
  • 3X Points on Flights and U.S. Dining
  • Free Anniversary Night Award
  • $300 Hotel Statement Credit
  • Global Entry/TSA PreCheck Credit
  • Priority Pass Airport Lounge Access
  • Travel Insurance and Purchase Protections
  • $450 Annual Fee
Learn More Our Review

8. Hilton Surpass - Gold Status and 12x Points

The Hilton Honors American Express Surpass boasts a great earning potential at Hilton properties and comes with complimentary Gold elite status, which features perks like space-available upgrades, better earnings, and free hot breakfast on Hilton stays. 

For an affordable $95 fee, this rewards card earns 12x Hilton Honors points at Hilton hotels and resorts, 6x points on dining, groceries, and gas purchases in the U.S., and 3x points on all other purchases with no foreign transaction fees. 

You also receive a free weekend night reward after spending $15,000 per year and 10 complimentary lounge visits to Priority Pass lounges.

12X Points at Hilton Hotels and Resorts
Hilton Honors American Express Surpass
  • Welcome Offer of 130,000 Points + $130 Hilton Credit
  • 12X Points at Hilton Hotels and Resorts
  • 6X Points at U.S. Restaurants, U.S. Supermarkets, and U.S. Gas Stations
  • Complimentary Hilton Honors Gold Status
  • Free Weekend Night Reward
  • 10 Complimentary Priority Pass Lounge Visits
  • $95 Annual Fee
Learn More Our Review

9. Delta Gold - Free Bags

The Delta SkyMiles Gold American Express is a cost-effective card with solid perks for Delta flyers, offering a free first checked bag, $100 Delta flight credit, and 20% discount on Delta in-flight food and drink purchases. 

For a $0 introductory annual fee followed by $99 per year, this card earns 2x SkyMiles at restaurants globally and U.S. supermarkets and 2x SkyMiles on Delta purchases. 

Free Checked Bag
Delta SkyMiles Gold American Express
  • Welcome Offer of 70,000 Bonus SkyMiles
  • 2X SkyMiles on Delta Air Lines
  • 2x SkyMiles at Restaurants and U.S. Supermarkets
  • Free First Checked Bag
  • 20% Discount on Delta In-Flight Purchases
  • Purchase Protection and Extended Warranty
  • $0 Intro Annual Fee, Then $99 Per Year
Learn More Our Review

10. Hilton Business- Gold Status

The Hilton Honors Business American Express offers complimentary Gold status with the chance to upgrade to Diamond status upon hitting the $40,000 spending threshold. 

For a low annual fee of $95, this business card earns 12x Hilton Honors points at Hilton properties and 6x points for gas, wireless phone, shipping, and dining purchases in the U.S and eligible flights and car rentals. 

The Hilton Honors Business card also offers a free weekend night reward after spending $15,000 and a second weekend night reward after spending $60,000 per year. 

Plus, you receive 10 free Priority Pass visits to airport lounges worldwide.

Complimentary Gold Status
Hilton Honors American Express Business
  • Welcome Offer of 130,000 Hilton Honors Bonus Points
  • Complimentary Gold Status
  • 12X Points at Hilton Properties
  • 6X Points on Gas, Shipping, Wireless Telephone Services, and Restaurants in the U.S.
  • Free Weekend Night Reward
  • Second Weekend Night Reward
  • 10 Complimentary Priority Pass Lounge Visits
  • $95 Annual Fee
Learn More Our Review

11. Delta Gold Business - Free Bags

The Delta SkyMiles Gold Business American Express is a practical and affordable card for business owners who want solid travel perks for a minimal fee. 

With a $99 annual fee waived the first year, this card is a low-cost option that earns 2x SkyMiles on Delta purchases, advertising and shipping purchases in the U.S., and dining expenses. 

The Delta SkyMiles Gold Business card generously offers free first checked bags for you and eight companions, Main Cabin 1 boarding, and a 20% in-flight savings.

Free Checked Bags
Delta SkyMiles Gold Business American Express
  • Welcome Offer of 75,000 Bonus SkyMiles
  • 2X SkyMiles on Delta, U.S. Advertising, and U.S. Shipping Purchases
  • Free First Checked Bags for You and 8 Companions
  • Main Cabin 1 Priority Boarding
  • $100 Delta Flight Credit
  • 20% Delta In-Flight Savings
  • $99 Annual Fee, Waived the First Year
Learn More Our Review

12. Business Gold - 4x Points

The American Express Business Gold is a good fit for business owners who want to earn much-coveted Membership Rewards points from business spending. 

For a $295 annual fee, this card earns 4x points on up to $150,000 in combined purchases per year in your top two spending categories, with options including eligible airfare, U.S. advertising, U.S. shipping, U.S. cloud, software, and hardware, U.S. gas, and U.S. dining purchases.

You can also get 25% points back when booking flights with American Express Travel using your Membership Rewards points. 

4X Points in Top 2 Business Categories
American Express Business Gold
  • Welcome Offer of 70,000 Membership Rewards Points
  • 4X Points on Purchases in Top 2 Business Categories
  • 25% Airline Bonus on Eligible Flights
  • Trip Delay, Baggage, and Secondary Car Rental Insurance Plans
  • $295 Annual Fee
Learn More Our Review

13. Delta Reserve - Airport Lounge Access

The Delta SkyMiles Reserve American Express earns 3x SkyMiles on Delta purchases and comes with complimentary Delta Sky Club and The Centurion Lounge access, making it a stellar choice for frequent Delta flyers. 

For a $550 annual fee, this premium card offers excellent Delta-specific perks, letting you earn 15,000 Medallion Qualification Miles after spending $30,000 in a calendar year to get closer to Medallion Status. 

Plus, it comes with an annual companion certificate that gets you a Domestic First Class, Delta Comfort+, or Main Cabin round-trip companion certificate upon renewing your card every year. 

Other outstanding travel perks include a $100 Global Entry or TSA PreCheck credit, a 20% savings on Delta in-flight food and drinks, a free first checked bag, complimentary upgrades, and extensive travel protections. 

Free Airport Lounge Access
Delta SkyMiles Reserve American Express
  • Welcome Offer of 100,000 Bonus SkyMiles
  • 3X SkyMiles on Delta Purchases
  • First Checked Bag Free
  • Delta Sky Club and The Centurion Lounge Access
  • Annual Companion Certificate
  • $100 Global Entry or TSA PreCheck Credit
  • 20% Discount on Delta In-Flight Purchases
  • $550 Annual Fee
Learn More Our Review

14. Everyday Preferred - 3x Points on Groceries

The American Express EveryDay Preferred is a decent card if you want to rack up more Membership Rewards points for grocery, gas, and travel purchases. 

For a $95 annual fee, this card comes with 15,000 Membership Rewards bonus points and earns 3x points at U.S. supermarkets on up to $6,000 in purchases per year and 2x points at U.S. gas stations and travel booked through American Express Travel. 

The EveryDay Preferred card rewards loyalty, giving you 50% additional points when you use your card at least 30 times for purchases within a billing period. 

3X Points at U.S. Supermarkets
American Express EveryDay Preferred
  • Welcome Offer of 15,000 Membership Rewards Points
  • 0% Intro APR for 12 Months
  • 3X Points at U.S. Supermarkets
  • 2X Points at U.S. Gas Stations
  • 50% Extra Points on Qualifying Purchases
  • Secondary Car Rental Insurance
  • $95 Annual Fee
Learn More Our Review

15. Marriott Bonvoy Business

The Marriott Bonvoy Business American Express is a robust choice for business owners who want valuable hotel perks, including an annual free night at hotels costing 35,000 points plus 15 elite night credits to achieve higher status faster. 

At $125 per year, this hotel rewards card comes with 100,000 Marriott Bonvoy welcome bonus points when you spend $5,000 in the first three months and lets you add 99 employee cards for no additional fee. 

The Marriott Bonvoy Business card earns 6x points at participating hotels and 4x points on food, gas, shipping, and wireless phone service purchases in the U.S. 

You also receive automatic Marriott Silver Elite status, which offers 10% points bonus and priority late check-out. 

Marriott Silver Status
Marriott Bonvoy Business American Express
  • Welcome Offer of 75,000 Marriott Bonvoy Points
  • 6X Points at Marriott Hotels & Resorts
  • 4X Points on Dining, Gas, Shipping, and Wireless Phone Services
  • Annual Free Night Award
  • 15 Elite Night Credits and Silver Elite Status
  • $125 Annual Fee
Learn More

16. Delta Platinum - Free Bags

The Delta SkyMiles Platinum American Express is great for Delta loyalists, offering a Domestic Main Cabin round-trip companion certificate every year upon renewing your card. 

For a $250 annual fee, getting this card unlocks valuable flying benefits, including a first checked bag free that saves you up to $60 per person on a round-trip Delta flight, a $100 Global Entry or TSA PreCheck credit, and 20% savings on in-flight food and beverages. 

You and two companions also get a discounted rate of $39 per person per visit to Delta Sky Clubs. 

Plus, you can waive the MQD requirement toward Silver, Gold, or Platinum Medallion Status and earn 10,000 MQMs after making $25,000 in purchases to reach status faster. 

The Delta SkyMiles Platinum card earns 3X SkyMiles on Delta purchases and hotel stays.

Free Checked Bag and Annual Companion Certificate
Delta SkyMiles Platinum American Express
  • Welcome Offer of 90,000 SkyMiles
  • 3X SkyMiles on Delta Purchases and Hotel Stays
  • 2X SkyMiles at U.S. Restaurants and Supermarkets
  • Free First Checked Bag
  • Annual Companion Certificate
  • 10,000 MQMs After Spending $25,000
  • $100 Global Entry or TSA PreCheck Credit
  • 20% Delta In-Flight Savings
  • $250 Annual Fee
Learn More Our Review

17. Hilton Honors - No Annual Fee

The Hilton Honors American Express is a great no-annual-fee card that earns 7x Hilton Honors points at Hilton properties and 5x points at restaurants, supermarkets, and gas stations in the U.S. 

This practical card also gets you complimentary Silver status, which comes with standard perks like a fifth night free on award stays and a 15% points bonus on Hilton stays. 

Plus, you have the opportunity to reach Gold status by spending $20,000 per year.  

Complimentary Silver Status With Zero Annual Fee
Hilton Honors American Express
  • Welcome Offer of 100,000 Hilton Honors Bonus Points
  • Complimentary Hilton Honors Silver Status
  • 7X Points at Hilton Hotels and Resorts
  • 5X Points on U.S. Dining, Groceries, and Gas Purchases
  • Zero Annual Fee
Learn More Our Review

18. Delta Platinum Business - Free Bags

The Delta SkyMiles Platinum Business American Express is a good choice for small business owners who fly Delta. It comes with travel perks such as first free checked bags, Main Cabin 1 Priority Boarding, a Domestic Main Cabin round-trip companion certificate, and 20% in-flight discounts on food and drinks. 

For a $250 annual fee, this business card earns 3x SkyMiles on Delta purchases and qualifying purchases made directly with hotels.

The card also earns 1.5x SkyMiles purchases above $5,000.

With Status Boost, you earn 10,000 Medallion Qualification Miles after spending $25,000 in a year up to twice a year, getting you closer to Medallion Status. 

Free Checked Bags and Annual Companion Certificate
Delta SkyMiles Platinum Business American Express
  • Welcome Offer of 100,000 SkyMiles
  • 3X SkyMiles on Eligible Delta and Hotel Purchases
  • First Checked Bag Free
  • Annual Companion Certificate
  • $100 Global Entry or TSA PreCheck Credit
  • 20% Delta In-Flight Savings
  • Earn 10,000 MQMs After Spending $25,000
  • Main Cabin 1 Priority Boarding
  • $250 Annual Fee
Learn More Our Review

19. Green - 3x Points on Travel and Transit

The American Express Green offers 3x points at restaurants, including takeout and delivery in the United States.

Plus 3x points on airfare, hotels, cruises, car rentals, trains, buses, subways, and other transit.

The Green card offers statement credits to recoup the $150 annual fee, including a $100 CLEAR credit and a $100 LoungeBuddy Credit. 

3X Points on Dining, Transit, and Travel
American Express Green
  • Welcome Offer of 45,000 Membership Rewards Points
  • 3X Points on Dining, Transit, and Travel
  • $100 CLEAR Credit
  • $100 LoungeBuddy Credit
  • Trip Delay and Secondary Car Rental Insurance
  • $150 Annual Fee
Learn More Our Review

20. Everyday - No Annual Fee

The American Express EveryDay is a zero-annual-fee card that earns 2x Membership Rewards points at U.S. supermarkets. 

Plus, you can score 20% additional points when you use your EveryDay card at least 20 times within a billing period. 

No Annual Fee
American Express EveryDay
  • Welcome Offer of 10,000 Membership Rewards Points
  • 0% Intro APR for 15 Months
  • 2X Points at U.S. Supermarkets
  • 20% Extra Points When You Make 20 or More Purchases
  • No Annual Fee
Learn More Our Review

21. Delta Blue - No Annual Fee

The Delta SkyMiles Blue American Express is a zero-annual-fee card that earns 2x SkyMiles at restaurants worldwide, including U.S. takeout and delivery, and 2x SkyMiles on Delta purchases. 

Plus, you receive 20% savings in statement credits on Delta in-flight food and drinks and a $50 discount on flights booked on delta.com for every 5,000 miles redeemed via Pay With Miles.

Protections include secondary rental car insurance, purchase protection, and an extended warranty plan.

No Annual Fee
Delta SkyMiles Blue American Express
  • Welcome Offer of 10,000 Bonus SkyMiles
  • 2X SkyMiles on Delta and at Restaurants
  • 20% Discount on Delta In-Flight Purchases
  • No Foreign Transaction Fees
  • Purchase Protection and Extended Warranty
  • No Annual Fee
Learn More Our Review

22. Blue Business Cash - 2% Cash Back

The American Express Blue Business Cash offers simple, straightforward rewards for no annual cost. 

This zero-annual-fee card earns a flat 2% cash back rate on all qualifying purchases up to $50,000 each year and comes with a $250 credit welcome bonus when you spend $3,000 within your first three months. 

Offering an expanded buying power, the Blue Business Cash gives your business the flexibility to spend above your credit limit for your business expenses. 

No Annual Fee With 0% Intro APR for 12 Months
American Express Blue Business Cash
  • Welcome Offer of $250 Credit
  • 0% Introductory APR for 12 Months
  • 2% Cash Back On Up to $50,000 Per Year
  • Expanded Buying Power to Extend Your Credit Limit
  • Secondary Car Rental Insurance
  • Zero Annual Fee
Learn More Our Review

23. Cash Magnet - 1.5% Cash Back

The American Express Cash Magnet is a no annual fee that earns 1.5% cash back on all purchases. 

Zero Annual Fee With Unlimited 1.5% Cash Back
American Express Cash Magnet
  • Welcome Offer of $200 Credit
  • Buy Now, Pay Later Plan and 0% Intro APR for 15 Months
  • Unlimited 1.5% Cash Back on All Eligible Purchases
  • Secondary Car Rental Insurance
  • No Annual Fee
Learn More Our Review

24. Business Green

The American Express Business Green earns 2x Membership Rewards points on qualifying purchases at amextravel.com and 1x point on all other purchases. 

This card offers 25,000 welcome bonus points when you spend $3,000 in the first three months of account opening. 

While the Business Green card has a $95 annual fee waived the first year, it offers meager rewards and minimal perks that may not be worth the annual cost. 

American Express Business Green
  • Welcome Offer of 25,000 Membership Rewards Points
  • 2x Points on Qualifying Purchases at amextravel.com
  • Baggage and Secondary Car Rental Insurance
  • $0 Intro Annual Fee, Then $95 After
Learn More Our Review