Depending on the perspective of the person you’re talking to, the topic of American Express credit cards will either elicit a squeal of delight or a look of scorn. We're, of course, referring to the difference between an AmEx cardholder and a merchant accepting their credit cards.
But there are specific reasons why finding the best American Express card for your needs may reap lots of benefits.
Here’s the deal:
While most consumers are pretty satisfied with the credit card company, it’s important to realize that the best Amex card for you may result in higher swipe fees for merchants. It’s for this exact reason that they aren't as widely accepted as Visa or Mastercard (or maybe they charge a higher fee because they aren't as widely accepted as Visa or Mastercard? Who knows.).
It gets worse:
In addition to small business owner's slightly negative association with the brand, American Express credit cards tend to come with a higher APR than other comparable credit cards. Because of this, you may want to shy away from picking something from this list of the best American Express cards if you know you’ll carry a balance. That said, most of the credit cards on this list have generous introductory APR offers that may help you pay down any existing debt.
What’s the bottom line?
If you can get past these two slightly negative aspects of being an American Express cardmember, you’ll be rewarded with a number of perks. First, there are the rewards. American Express credit cards offer some of the best rewards in the market today, in addition to offering credit cards for seemingly every kind of lifestyle. Options include travel credit cards, business credit cards, and gas credit cards.
Also, American Express knows that their customers are the key to their continued success, and as a result, their customer service is topnotch. Their website is also incredibly easy to use, whether you’re making payments, checking your statement balance, or redeeming rewards.
So where to start? What’s the best American Express card for your individual wants and needs? Read on for a diverse set of options!
Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
This article was last updated April 19, 2019 but some terms and conditions may have changed or are no longer available. For the most accurate and up to date information please consult the terms and conditions found on the issuer website.