4 Best American Express Cards

4 Best American Express Cards

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 June 13, 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.

Why trust us: Faveable has spent thousands of hours researching, interviewing experts, and testing products to come up with carefully selected lists trusted by millions of consumers since 2013.

4 Best American Express Cards

  • 4. SimplyCash® Plus Business Credit Card from American Express
  • 3. Blue Cash Everyday® Card from American Express
  • 2. Blue Cash Preferred® Card from American Express
  • 1. The Platinum Card® from American Express

Most Flexible Business Credit Card

SimplyCash® Plus Business Credit Card from American Express

Most Flexible Business Credit Card: SimplyCash® Plus Business Credit Card from American Express
Variable APR
13.99% - 20.99%
Cash Advance APR
n/a
Rewards Rate
Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores. Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and
Annual Fee
$0
Intro APR
0% on purchases for 15 months.
Bonus Offers
n/a
84 % Editor Score
82 % User Score
228 Clicks

Why People Love it

  • Pick your own bonus category based on your business spending
  • Enjoy a relatively low interest rate and no annual fee
  • Introductory APR promotion

  • Get up to 5% cash back on business-related expenses
  • Spend beyond your credit limit in certain situations
  • Get no interest for more than a year
  • The card's base 1% rewards rate is mediocre
  • Your bonus rewards are capped at $50,000 in annual spending
  • You can only change your 3% bonus category once a year
Expert Ratings

Application Process: Apply online, and you'll get a decision in approximately 60 seconds.

RewardsEarn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores. Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases. 

Bonus Offers: None.

Annual Fee: None.

Details:SimplyCash® Plus Business Credit Card from American Express »

Best Balance Transfer Credit Card from American Express

Blue Cash Everyday® Card from American Express

Best Balance Transfer Credit Card from American Express: Blue Cash Everyday® Card from American Express
Variable APR
14.74% - 25.74%
Cash Advance APR
26.99%
Rewards Rate
3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
Annual Fee
$0
Intro APR
0% on purchases and balance transfers for 15 months
Bonus Offers
$150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
80 % Editor Score
80 % User Score
270 Clicks

Why People Love it

  • Great rewards on everyday spending categories
  • Generous promotional APR and no annual fee
  • Bonus for new cardholders

  • Earn up to 3% cash back on everyday spending
  • Get extra cash back and discounts through Amex Offers
  • No annual fee
  • You could earn more rewards with the Blue Cash Preferred® Card from American Express
  • The card's APR is above-average
  • Its base rewards rate is mediocre
Expert Ratings

Application Process: Apply online and get a response within 60 seconds.

Bonus Offers: You'll earn $150 in Reward Dollars after you spend $1,000 in the first three months. 

Rewards: Earnn 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%); 2% cash back at U.S. gas stations and at select U.S. department stores; 1% back on other purchases.

Annual Fee: None

Details:Blue Cash Everyday® Card from American Express »

Best for Families/Cash Back

Blue Cash Preferred® Card from American Express

Best for Families/Cash Back: Blue Cash Preferred® Card from American Express
Variable APR
14.74% - 25.74%
Cash Advance APR
26.99%
Rewards Rate
6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
Annual Fee
$95
Intro APR
0% on purchases and balance transfers for 15 months.
Bonus Offers
$200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Terms Apply.
89 % Editor Score
91 % User Score
251 Clicks

Why People Love it

  • Save on gas by racking up 3X cash back on related purchases
  • Earn on the groceries you already buy with 6X cash back at the supermarket
  • Redeem rewards as statement credits or gift cards—the specifics are up to you

  • The card offers super high rewards on grocery purchases
  • Pay no interest for a year
  • Charges an annual fee, which is uncommon for a cash-back credit card
  • American Express isn't widely accepted overseas
  • Doesn't offer bonus cash back on groceries at non-supermarkets
Expert Ratings

Application Process: Apply online and get a response within 60 seconds.

Rewards6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit services, and 1% back on other purchases.

Bonus Offers$200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.

Annual Fee: $95; not waived the first year.

Details:Blue Cash Preferred® Card from American Express »

Best Premium Card

The Platinum Card® from American Express

Best Premium Card: The Platinum Card® from American Express
Variable APR
n/a
Cash Advance APR
n/a
Rewards Rate
5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel. 5X Membership Rewards® points on eligible hotels booked on amextravel.com. 1X points on all other purchases.
Annual Fee
$550
Intro APR
n/a
Bonus Offers
Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
76 % Editor Score
95 % User Score
249 Clicks

Why People Love it

  • No foreign transaction fees
  • Premium perks, including airline fee credits, Uber credits, and other travel perks
  • Bonus rewards on eligible airline and hotel purchases through Amex Travel

  • Luxury travel perks for the frequent traveler
  • Make up for the annual fee through benefits and rewards
  • Charges a sky-high annual fee
  • Offers a low rewards rate on everyday spending
  • The airline fee credit is limited to just one airline and only on incidental fees
Expert Ratings

Application Process: Apply online and get a response within 60 seconds.

Rewards: Earn 5X points on flights booked directly with airlines or with Amex Travel, and hotel stays booked through Amex Travel. Earn 1X points on all other purchases.

APR: None; it's a charge card and requires you to pay your balance in full each month.

Annual Fee: $550.

Details:The Platinum Card® from American Express »

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Article Staff

Maddy Osman creates engaging content with SEO best practices for marketing thought leaders and agencies that have their hands full with clients and projects. Learn more about her process and experience on her website, www.The-Blogsmith.com and read her latest articles on Twitter: @MaddyOsman.

Editor Jenna Holtz
Researcher Ronnie Langston
Art Director Cherry Barbacena

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4 Best American Express Cards

Thanks for reading my article. I value your feedback and invite you to join the conversation:

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— Maddy Maddy Osman
  • Mary
    MaryMaddy you've opened my eyes on AE cc. Thank you very insightful.

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