Best American Express Credit CardsUpdated: Jan. 18, 2018

American Express offers a wide selection of credit cards, so chances are whatever it is you’re looking for, there’s a card that’s right for you — whether you’re a small business owner looking to make the most out of your expenses, a large family that wants to earn cash back on all of those groceries you buy every month or a travel junkie who could use a solid travel rewards credit card in their wallet. We analyzed the various options and came up with a list of the best American Express credit cards (a NextAdvisor advertiser), broken down into categories to help you zero in on the perfect card for your needs. One important note about American Express credit cards: they usually require you to have good to excellent credit for approval (typically credit scores around 700 and higher). Not sure if you’ll qualify? Our free Pre-Qualification Tool can help you not only see if you qualify for these cards, but also tell you if you’re eligible for a special offer, like a higher intro bonus opportunity. Wondering when we’re going to get to the cards? Keep reading to find out which ones made the cut.

Best American Express credit cards

If you want to earn cash back or points …

Although the following cards are some of the best rewards credit cards we review, one potential downside that you’ll want to keep in mind is that none of them allow you to redeem your earned cash back for straight-up cash — the closest you can get is statement credit. If you’re looking for a rewards credit card with the option to redeem for a deposit into your bank account or a paper check, consider Discover or Wells Fargo.

Best American Express Credit CardsThe Blue Cash Preferred Card from American Express is a cash back titan, earning users 6% cash back at U.S. supermarkets on up to $6,000/year in purchases! After you hit the $6,000 mark, you’ll still earn the standard 1% cash back on further grocery purchases. On top of that, you’ll get an ongoing 3% cash back at U.S. gas stations and select U.S. department stores. Everything else earns 1% cash back, and you can redeem those Rewards Dollars in the form of a statement credit, gift cards, merchandise or travel in minimum increments of $25. If that wasn’t enough to draw you in, you can get $200 back if you spend $1,000 on purchases during your first 3 months of owning this card. Cardholders also benefit from a 12-month 0% intro APR on purchases and balance transfers (with a $5 or 3% minimum balance transfer fee, whichever is greater), perks like purchase protection and extended warranty and a free Uber ride (maximum $30) when you’re a new user and connect your Blue Cash Preferred Card to your account (this offer expires on July 31, 2018). The potential downsides of this card include a rather steep $95 annual fee and 2.7% foreign transaction fees, which make it not-so-ideal for international use. If the annual fee is a dealbreaker, keep reading to learn about this credit card’s fee-less sister card.

Best American Express Credit CardsLike its sister card, the Blue Cash Everyday Card from American Express earns cash back aplenty, but it has no annual fee. It earns 3% on up to $6,000/year at U.S. supermarkets, 2% at U.S. gas stations and select U.S. department stores and 1% on all your other purchases. The bonus opportunity is a bit smaller — $150 for spending $1,000 within the first 3 months — but depending on your spending habits, this card could work out to make more financial sense than its higher-earning counterpart. The Blue Cash Everyday Card shares many of the same perks we mentioned in our write-up of Blue Cash Preferred Card, like the opportunity to earn a free Uber ride, but its 0% intro APR period for purchases and balance transfers is slightly longer at 15 months (with a balance transfer fee of $5 or 3%, whichever is greater), and as noted, it does not charge an annual fee.

Best American Express Credit CardsRounding out the best American Express rewards credit cards is The Amex EveryDay Credit Card from American Express, which earns 2 Membership Rewards points per $1 spent at U.S. supermarkets (on up to $6,000/year in purchases, then it’s 1 point per $1 spent) and 1 Membership Rewards point per $1 spent on everything else — plus a potential 10,000-point bonus that you can earn after spending $1,000 within your first 3 months. Those Membership Rewards points can be used for a myriad of purposes — including redemption for travel, entertainment, dining, merchandise and online shopping, statement credits to eligible purchases and transfer to participating travel rewards programs like Delta SkyMiles and Hilton Honors. You can also get early access to preferred seating at special events with the Entertainment Access program, plus take advantage of perks like purchase protection and car rental insurance. There is no annual fee associated with this card, and you’ll get 12 months of 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee, $5 minimum). Note that if you’re looking to take this card abroad, you will have to pay 2.7% foreign transaction fees.

If you want to earn travel rewards …

Something to know about the two cards detailed below is that both are fairly specific to certain brands, and thus, your options for rewards redemption are limited to booking nights at hotels and flights. If you want a travel rewards credit card that offers a bit more flexibility in redemption options, you might consider looking at the full results from our annual Travel Rewards Credit Card Analysis to see if there’s one that fits your desires better.

best American Express Credit CardsThe Starwood Preferred Guest Credit Card from American Express is a superb option for anyone who frequents Starwood-branded hotels and would like to earn free nights and flights. You’ll earn up to 5 points per $1 from eligible purchases made at hotels and resorts that participate in the Starwood Preferred Guest (SPG) program (2 points for being a cardholder and 2-3 points as an SPG member), as well as 1 point per $1 on all other purchases made with the card. On top of that, spending $3,000 within the first 3 months will net you a 25,000-point bonus. This card placed very well in our 2017 Travel Rewards Credit Card Analysis, taking 4th place overall and in the hotels category with a high redemption value of $2.05 for every $100 spent for the latter. Your points can be redeemed for free nights at over 1,300 hotels and resorts in 100+ countries and free flights on over 150 airlines through SPG Flights (with no blackout dates to worry about). Although you will have to pay an annual fee of $95, it’s waived during your first year, and you won’t have to worry about being charged foreign transaction fees when you’re jet-setting around the world, as there aren’t any.

Best American Express Credit CardsFly the friendly skies with the Gold Delta SkyMiles Credit Card from American Express and enjoy 30,000 bonus miles after you spend $3,000 in your first 3 months, plus a $50 statement credit after making your first Delta purchase within the same time period. You’ll get 2 miles per $1 spent on all Delta flights as well as 1 mile per $1 spent on everything else. Those miles can be redeemed for free flights on Delta, Delta Connection, Hawaiian, Alaska, KLM and Air France Airlines, and you’ll be able to take advantage of one free checked bag per flight and priority boarding to make flying less of a hassle. According to our Travel Rewards Credit Card Analysis, miles are worth $1.00 per $100 spent when redeemed for flights, which isn’t the best we’ve seen. There aren’t foreign transaction fees to worry about, which is a great benefit for a travel card, and you won’t pay an annual fee your first year (afterward, it’s $95).

If you own a small business …

American Express offers business credit cards that earn cash back rewards as well as travel rewards. Deciding which is right for you comes down to what kind of benefits your business would get the most out of having from earned rewards. If you or your employees travel a lot, then a travel rewards card could be the perfect thing to offset the cost of those flights and hotel rooms, but if not, a traditional cash back rewards card would probably suit you best.

Cash back business credit cards

Best American Express Credit CardsThe SimplyCash Plus Business Credit Card from American Express offers a customizable cash back experience, allowing you to tailor it to your company’s needs year to year. In addition to 5% cash back on up to $50,000/year in combined purchases at U.S. office supply stores and mobile phone services purchased in the U.S., you can choose from one of 8 categories to earn 3% cash back on up to $50,000 in purchases annually. These categories include (1) airfare purchased directly from airlines, (2) hotel rooms purchased directly from hotels, (3) purchases from select major car rental companies, (4) purchases at U.S. gas stations, (5) purchases at U.S. restaurants, (6) purchases made in the U.S. for shipping, (7) purchases made in the U.S. for advertising in select media and (8) computer hardware, software, and cloud computing purchases made in the U.S. directly from select providers. You can change your category choice only once a year during the enrollment period, so it’s important to choose carefully. All other purchases (and anything in these categories that exceeds the $50k cap) will earn 1%.

In addition to all of that, the SimplyCash Plus Business Credit Card has a special intro bonus offer that can earn you up to $500 cash back! You’ll receive a $250 statement credit after spending $5,000 on purchases in the first 6 months and another $250 statement credit if you spend an additional $10,000 on purchases during your first year. Your earned rewards will be credited to your statement as you earn them; note that this is your only option for redemption, which may be a deal-breaker for some. Free employee cards help you rack up your rewards faster, and you can enjoy no annual fee and a 9-month 0% intro APR on purchases to help get you started. Worried about spending over your limit? If that happens, you won’t be charged an overlimit fee — the amount you go over will simply be added to your minimum payment due the following billing cycle. Note that this card does charge foreign transaction fees, so it’s not ideal for business owners who want a card to use outside the U.S.

Best American Express Credit CardsIf you’d rather earn cash back rewards that you can redeem for travel, entertainment, dining or merchandise, the Blue Business Plus Credit Card from American Express may be the right fit. Every purchase you make up to $50,000 annually will earn 2 points per $1 spent, after which you’ll earn 1 point per $1. You can count on a generous 15-month 0% intro APR on purchases and balance transfers with this card, which is great for your peace of mind while you’re getting started, and there’s no annual fee to worry about either. Note that if you do decide to do a balance transfer, you will be charged a balance transfer fee of 3% or $5, whichever is greater. Other perks include free employee cards, which, again, are helpful for ensuring you make the maximum rewards possible each year.

Travel rewards business credit cards

Best American Express Credit CardsSimilar to the personal version we reviewed earlier, the Gold Delta SkyMiles Business Credit Card from American Express is an ideal choice for those who want to earn miles they can redeem for Delta Airlines flights (or any of Delta’s partners). The average flight value with this card is a decent $1.00 per $100 spent, and you’ll be able to earn those miles at a rate of 2 miles per $1 on purchases made directly with Delta as well as 1 mile per $1 on everything else. New customers can also look forward to a 30,000-mile bonus when they spend $1,000 on purchases within 3 months of opening their account. There is no annual fee to worry about your first year, but note that it’ll be $95 onward. However, you won’t have to pay foreign transaction fees, making this a great card to take with you on business trips out of the country. Rounding out this card are Delta-specific perks like priority boarding, the ability to check your first bag free and a $50 statement credit after making your first purchase with Delta in the first 3 months.

Best American Express Credit CardsThe Starwood Preferred Guest Business Credit Card from American Express is a solid pick for business travelers, as it earns 2 Starpoints per $1 spent on eligible purchases at hotels and resorts within the SPG program (plus an additional 2-3 points depending on your SPG member status) and 1 point per $1 on all your other purchases with the card. Those points can be used for free nights at over 1,300 hotels and resorts in more than 100 countries and free flights on over 150 airlines. There aren’t foreign transaction fees to worry about when you and your employees travel abroad, and there’s a special introductory annual fee of $0 (after your first year, it’s $95). As an added bonus, you can earn 25,000 bonus Starpoints if you spend $5,000 on purchases in the first 3 months you have it. On top of all of that, ownership of this card entitles you to free, unlimited Wi-Fi at 1 million Boingo hotspots worldwide.

American Express is also known for its charge cards, which differ from regular credit cards in a few ways. If those sound like something you’d be interested in, keep your eyes peeled for our upcoming article detailing the best American Express charge cards. Not sure American Express is the right credit card issuer for you? We also review plenty of credit cards from a variety of other issuers.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.