Best American Express Membership Rewards Cards

American Express Platinum Card

Application Link

  • Target Bonus: 60,000 Membership Rewards Points
  • Current Bonus: 60,000 Membership Rewards Points
  • You do need a Schwab bank account and brokerage account, which is easy but requires a separate hard pull of your credit. There is no fee for opening an account and Schwab’s bank account waives ATM fees anywhere in the world. 
  • You can earn an extra $100 bonus if you have $250,000 in assets at Schwab or $200 extra bonus if you have greater than $1 million.

Annual Fee: $550

Earning Membership Rewards Points

  • 5x Membership Rewards points on flights booked directly with an airline, flights or hotels booked on AmexTravel.com, and hotels booked using the Fine Hotels and Resorts program. 
  • 1x Membership Rewards points everywhere else

Platinum Card Benefits

Check out our comprehensive guide to the American Express Platinum Benefits and Lounge Access with the Platinum card for more detailed information on the Platinum cards amazing benefits.

One unique benefit of the Schwab Platinum is that the card allows you to transfer Membership Rewards points to Schwab at a rate of 1.25 cents per point. (I personally am not a fan of transferring points at this rate to Schwab and would rather transfer to an airline to get a lot more value. But a lot of people love this special feature  as a super easy way to cash out points)

Below is a general overview of the benefits. 

  • $200 Airline Credit (for upgrades, bag fees, etc.)
  • $200 Uber credit ($15 per month January to November; $35 in December)
  • Uber VIP Status
  • $100 Saks credit ($50 in January to June; $50 July to December)
  • Airport Lounge Access
    • American Express Centurion Lounges
    • Delta SkyClub (when flying Delta)
    • Escape Lounges
    • Airspace Lounges
  • Priority Pass (airport lounge access and $25-28 dining credit per person at certain airport restaurants)
  • Global Entry or TSA PreCheck credit (authorized users get this benefit as well)
  • Elite Status: Marriott Gold, Hilton Gold, Avis Preferred, Hertz 5-Star, National Emerald Club Executive
  • Travel Collection Membership
  • Medical Evacuation Insurance
  • Secondary Rental Car Insurance
  • Roadside Assitance
  • 90-day price protection
  • Extended Warranty
  • No Foreign TransactionsAmerican Express Schwab Platinum Card

American Express Gold Card

Application Link

  • Target Bonus: 50,000 Membership Rewards Points
  • Current Bonus: 50,000 Membership Rewards Points + 20% back at restaurants up to $100 for the first three months.

Annual Fee: $250

Earning Membership Rewards Points

  • 4x points at U.S. restaurants and supermarkets (up to $25,000 per year)
  • 3x points for flights directly with airlines or on amextravel.com
  • 1x points everything else.

Gold Card Benefits

  • $100 fee credit with airlines
  • $120 dining credit ($10 per month only applicable with Grubhub, Seamless, Cheesecake Factory, Ruth’s Chris, and Shake Shack)
  • No foreign transaction fees
  • Baggage insurance
  • Secondary car insurance
  • Roadside assistance
  • 90-day purchase protection

American Express Gold Card

 


American Express Blue Business Credit Card

Application Link

  • Target Bonus: 20,000; Current: 10,000 (This card is still a good deal at 10,000 since there was no bonus for about six months). (There may be a targeted offer for 20,000 if you sign in)

Annual Fee: $0

Earning: 2x on all purchases up to $50,000, then 1x.

Benefits: Extended Warranty and 90-day price protection

Verdict: This is a great card for everyday spending since you get 2x on all purchases plus no annual fee.