American Express offers some of the best no annual fee credit cards on the market.
Whether you’re looking to earn points or cash back, there’s a card on this list for you.
We’ll also be discussing some of the benefits of each card, so you can make the best decision for your needs.
Hilton Honors American Express
Best for Benefits at Hilton
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- 7X Points at Hilton Hotels and Resorts
- 5X Points at U.S. Restaurants, U.S. Supermarkets, and U.S. Gas Stations
- Complimentary Hilton Honors Silver Status
- No Annual Fee (Rates and Fees)
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.
Blue Business® Plus Credit Card from American Express
Best for Everyday Business Spending
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- 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, reg_apr,reg_apr_type APR.
- No Annual Fee (rates & fees)
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.
Blue Cash Everyday® Card from American Express
Best for Spending Online, U.S. Supermarkets, and U.S. Gas Stations
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- 3% Cash Back at U.S. Supermarkets, U.S. Online Retail Purchases, & U.S. Gas Stations (each on up to $6,000 per year in purchases, 1% thereafter)
- 0% Intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, a reg_apr,reg_apr_type APR.
- No Annual Fee (rates & fees)
The Blue Cash Everyday® Card from American Express is a great no-annual fee credit card option that earns 3% cash back at U.S. supermarkets, U.S. online retail purchases, & U.S. gas stations (each on up to $6,000 per year in purchases, 1% thereafter).
The Blue Cash also offers $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, including Disney+, Hulu, and ESPN+. (Enrollment required.)
Plus, a $180 annual credit for Home Chef purchases in the form of a monthly $15 statement credit
American Express Blue Business Cash™ Card
Best for Cash Back
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- 2% Cash Back On Up to $50,000 Per Year (1% Thereafter)
- 0% Intro APR on Purchases for 12 Months. After that, reg_apr,reg_apr_type.
- No Annual Fee (rates & fees)
The American Express Blue Business Cash™ Card offers simple, straightforward rewards for no annual cost.
This zero-annual-fee card earns a flat 2% cashback rate on all qualifying purchases up to $50,000 each year (1% thereafter).
The Blue Business Cash also offers expanded buying power, giving your business the flexibility to spend above your credit limit for your business expenses.
Amazon Business Prime American Express Card
Best for Spending at Amazon
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- 5% Back or 90 Day Terms on Eligible U.S. Purchases at Amazon.com, Amazon Business, & Whole Foods Market (up to $120,000 in purchases each calendar year)
- 2% Back at U.S. Restaurants, U.S. Gas Stations, and U.S. Wireless Phone Services
- No Annual Fee and No Foreign Transaction Fees (rates & fees)
The Amazon Business Prime American Express Card is a good choice for businesses who frequently spend at Amazon.com, AWS, Amazon Business, and Whole Foods because you get 5% cash back or 90-day terms on the first $120,000 in purchases each calendar year (1% back thereafter).
American Express EveryDay
Earn Membership Rewards Points
- Earn 10,000 Membership Rewards® Points after you spend $2,000 in qualifying purchases on the Card within your first 6 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 17.99% to 28.99%)
- No Annual Fee (Rates and Fees)
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.
Delta SkyMiles® Blue American Express Card
Extra Points at Restaurants and with Delta Air Lines
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- 2X SkyMiles Per Dollar on Delta Air Lines
- 2x SkyMiles Per Dollar at Restaurants worldwide (including takeout & delivery in the U.S.)
- 20% Statement Credit on Delta In-Flight Purchases
- No Annual Fee and No Foreign Transaction Fees (Rates and Fees)
The Delta SkyMiles® Blue American Express Card (review) is a no-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 up to a $50 discount on flights booked on delta.com for every 5,000 miles redeemed via Pay With Miles.
American Express Cash Magnet® Card
1.5% Cash Back Everywhere
- Earn a $200 Statement Credit After $2,000 in Eligible Purchases in the First 6 Months.
- Unlimited 1.5% Cash Back on All Eligible Purchases
- 0% Intro APR on Purchases for 15 Months, After That, a Variable APR of 18.99% to 29.99%.
- No Annual Fee (Rates and Fees)
The Cash Magnet® Card From American Express is a basic cash-back card with a solid 1.5% earning rate on all of your purchases and a nice welcome offer of $200 cash back after spending $2,000 in purchases in the first 6 months of card membership.
However, several other no-annual-fee cash back cards offer at least 2% cash back on all spending, including the Citi® Double Cash Card.
