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

100,000 Points
Platinum Card® from American Express
  • Earn 100,000 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)
  • $1,000+ in Credits ($200 Airline Fee, $200 Uber Cash, $240 Digital Entertainment, $189 CLEAR, $155 Walmart+, $100 Saks, $200 Hotel via Amex Travel)
  • Airport Lounge Access (Centurion, Delta SkyClub, Priority Pass, Escape, and Plaza Premium)
  • No Foreign Transaction Fees
  • $695 Annual Fee (Rates & Fees)
Learn More Our Review
Terms Apply. Enrollment is required for some benefits.

The Platinum Card® from American Express 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.  (Enrollment is required to activate credits.)

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 points at restaurants worldwide, including takeout and delivery in the U.S.,
  • 4x 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 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. (Enrollment is required for credit.)

3. Business Platinum Card® from American Express

Best for Airport Lounge Access for Businesses

Top Airport Lounge Access
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, Escape, Plaza Premium, and Priority Pass
  • $1,419 in Credits ($200 Airline Fee, $400 Dell, $120 Wireless, $360 Indeed, $150 Adobe, and $189 CLEAR)
  • Marriott Bonvoy Gold and Hilton Honors Gold
  • $695 Annual Fee & No Foreign Transaction Fees (Rates & Fees)
Learn More Our Review
Terms Apply; Enrollment is Required for Some Benefits

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. 

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 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.

4. Blue Business® Plus Credit Card from American Express

Best for Everyday Spending

2x Points on Everyday Spending
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 15.49% – 23.49%.
  • No Annual Fee (Rates and Fees)
Learn More Our Review
Terms Apply

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 per dollar on all of your purchases.

The ability to earn 2x points makes the Blue Business Plus one of the best cards for everyday spending.

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)
Learn More Our Review
Terms Apply

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

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
  • $100 CLEAR Credit
  • $100 LoungeBuddy Credit
  • No Foreign Transaction Fees
  • $150 Annual Fee (Rates & Fees)
Learn More Our Review
Non-Affiliate Link; Terms Apply

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. 

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)
Learn More Our Review
Non-Affiliate Link; Terms Apply

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 15.24% to 26.24%)
  • No Annual Fee (Rates and Fees)
Learn More Our Review
Non-Affiliate Link; Terms Apply

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.