8 Best American Express Membership Rewards Cards

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The American Express Membership Rewards program is one of my all-time favorite programs because of its great airline transfer partners, such as ANA, Iberia Avios, and Air Canada’s Aeroplan.

American Express has good options if you are looking to earn Membership Rewards, which I ranked to help you choose.

If you are a frequent traveler, I suggest picking up either the American Express Platinum or Business Platinum for the great airport lounge access and lots of extra points when booking flights.

I also frequently use my American Express Gold card to earn 4x points at restaurants worldwide and at U.S. Supermarkets. 

1. The Platinum Card® from American Express

Best for Airport Lounge Access

Airport Lounge Access
The Platinum Card® from American Express
  • Earn 80,000 Membership Rewards Points After $6,000 in Eligible Purchases in the First 6 Months
  • 5x Points on Flights Booked Directly With Airlines (up to $500,000 in purchases each calendar year)
  • Airport Lounge Access (Centurion, Delta SkyClub, Priority Pass, Escape, and Plaza Premium)
  • No Foreign Transaction Fees
  • $695 Annual Fee (Rates & Fees)
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The Platinum Card® from American Express is a great premium travel rewards card for travelers who want airport lounge access, including Centurion Lounges, Delta Sky Clubs (when flying Delta), Escape Lounges, Priority Pass lounges.

The American Express Platinum has a $695 annual fee, but you receive many annual statement credits when you enroll your card to offset the fee, including:

  • $200 Airline Fee Credit (after you select a qualifying airline and incidental fees are charged by the airline to your Platinum Card®)
  • $200 Hotel Credit (on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay)
  • $240 Digital Entertainment Credit (up to $20 each month: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times)
  • $200 Uber Cash Credit ($15 per month with $35 in December when you add your Platinum Card to Uber or UberEats account)
  • $155 Walmart+ Credit (covers the cost of a $12.95 monthly membership) 
  • CLEAR Credit (up to $189 towards an annual Clear membership for expedited airport security)

You also earn 5x Membership Rewards points when booking flights directly with airlines or with American Express Travel (up to $500,000 in purchases per calendar year) 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. 

2. American Express® Gold Card

Best for Supermarkets and Restaurants

The American Express® Gold Card is one of my favorite cards because it earns:

  • 4x Membership Rewards® points at restaurants worldwide, including takeout and delivery in the U.S.,
  • 4x Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1x). 
  • 3x points on flights booked directly with airlines or on amextravel.com

Plus, card members get nice credits when you enroll your Gold Card to offset the annual fee:

  • $120 Uber Cash: 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.
  • $120 Dining Credit: Satisfy your cravings and 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, Milk Bar and select Shake Shack locations.

3. Business Platinum Card® from American Express

Best for Airport Lounge Access for Businesses

Top Airport Lounge Access
The Business Platinum Card® from American Express
  • Earn 120,000 Membership Rewards Points After $15,000 in Eligible Purchases in the First 3 Months
  • 5X Points on Flights and Prepaid Hotels Booked Via AmexTravel.com
  • Airport Lounge Access at Centurion Lounges, Delta SkyClubs when Flying Delta, Escape, Plaza Premium, and Priority Pass
  • $695 Annual Fee & No Foreign Transaction Fees (Rates & Fees)
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The Business Platinum Card® from American Express 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. 

The Business Platinum card also offers several statement credits to offset the $695 annual fee:

  • $200 Airline Fee: Annual airline fee credit of up to $200 on charges by the airline you select per calendar year.
  • $400 Dell: Annual statement credit on all U.S. Dell purchases, up to $200 semiannually. 
  • $120 Wireless Phone Services: Annual statement credits for purchases made directly with any U.S. wireless telephone provider, up to $10 per month.
  • CLEAR: Up to $189 toward an annual Clear membership for expedited airport security.
  • Global Entry or TSA PreCheck: Statement credits for Global Entry ($100) or TSA PreCheck ($85) every four years (4.5 years for PreCheck).

You can also earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1.5x points on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year

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

Additionally, the points you earn can be transferred to several Amex transfer partners such as Air Canada Aeroplan, Delta SkyMiles, and Marriott Bonvoy. This potentially increases the value of your points depending on how you redeem them.

4. Blue Business® Plus Credit Card from American Express

Best for Everyday Spending

2x Points on Everyday Spending
The Blue Business® Plus Credit Card from American Express
  • Earn 15,000 Membership Rewards Points for $3,000 in Eligible Purchases in the First 3 Months
  • 2 Points Per Dollar on the First $50,000 in Purchases Each Calendar Year (1x Points thereafter)
  • 0.0% Intro APR on purchases for the first 12 months. After that, a variable APR of 17.74% – 25.74%.
  • No Annual Fee (Rates and Fees)
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The Blue Business® Plus Credit Card from American Express is one of my favorite cards because it has no annual fee and earns 2x Membership Rewards points on the first $50,000 in purchases every year. After that, you will earn 1 point on all other eligible purchases.

You can transfer Membership Rewards to 18 airlines and three hotel points programs, with several great sweet spots to travel in business class to anywhere in the world.

I put all of my everyday business spending on my Blue Business Plus because it is a quick way to rack up points for my next trip.

5. American Express® Business Gold Card

Best for Earning Points

4X Points in Top 2 Business Categories
American Express® Business Gold Card
  • Earn 70,000 Membership Rewards Points After $10,000 in Eligible Purchases in the First 3 Months
  • 4X Points on Purchases in Your Top 2 Business Categories (up to $150,000 in Combined Purchases Per Calendar Year)
  • No Foreign Transaction Fees
  • $295 Annual Fee (Rates and Fees)
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The American Express® Business Gold Card 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 receive 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.

6. American Express® Green Card

Budget Travel Card

3X Points on Dining, Transit, and Travel
American Express Green Card
  • Earn 40,000 Membership Rewards Points After $2,000 in Eligible Purchases in the First 6 Months
  • 3X Points at U.S. Restaurants, Transit, and Travel
  • $189 CLEAR Credit
  • $100 LoungeBuddy Credit
  • No Foreign Transaction Fees
  • $150 Annual Fee (Rates & Fees)
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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 $189 CLEAR credit and a $100 LoungeBuddy Credit. 

7. Amex EveryDay® Preferred Credit Card

Potential 50% Monthly Points Bonus

3X Points at U.S. Supermarkets
Amex EveryDay® Preferred Credit Card
  • Earn 15,000 Membership Rewards Points After $2,000 in Eligible Purchases in the First 6 Months
  • 3X Points at U.S. Supermarkets Up to $6,000 Per Year
  • 2X Points at U.S. Gas Stations
  • 50% Extra Points with 30+ Monthly Transactions
  • $95 Annual Fee (Rates & Fees)
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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 3 points per dollar at U.S. supermarkets on up to $6,000 in purchases per year and 2 points per dollar 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. 

8. Amex EveryDay® Credit Card

No Annual Fee

No Annual Fee
American Express EveryDay
  • Earn 10,000 Membership Rewards Points After $2,000 in Eligible Purchases in the First 3 Months
  • 2X Points at U.S. Supermarkets (up to $6,000 per year)
  • 20% Extra Points When You Make 20 or More Purchases
  • 0% Intro APR for 15 Months (thereafter, a variable rate of 17.24% to 28.24%)
  • No Annual Fee (Rates and Fees)
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The American Express EveryDay is a zero-annual-fee card that earns 2 Membership Rewards points per dollar at U.S. supermarkets, and 1 point per dollar on all other spending. 

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

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