Best American Express Credit CardsWhile this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs.

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). 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
  • Blue Cash Preferred Card from American Express
  • Blue Cash Everyday Card from American Express
  • SimplyCash Plus Business Credit Card from American Express
  • The Business Platinum Card from American Express

If you want to earn cash back …

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.

Blue Cash Preferred® Card from American ExpressThe 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 6% cash back on select U.S. streaming services, as well as 3% cash back at U.S. gas stations and on transit (e.g., taxis/rideshares, parking, tolls, trains, buses and more). 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 $250 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 3% balance transfer fee, $5 minimum), perks like purchase protection and extended warranty. 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.

Like its sister card, the Blue Cash Everyday Card from American Express doesn’t have an extensive cash back earning potential, 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 purchase protection and extended warranty, 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.

If you own a small business …

American Express offers business credit cards that earn cash back rewards as well as travel rewards, but we feel the cash back cards offer the most competitive rewards and perks for business owners. Here’s our favorite:

The 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 APR offer that includes a 15-month 0% intro APR on purchases. 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 dealbreaker for some. Free employee cards help you rack up your rewards faster, and you can enjoy no annual fee. 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.

The Business Platinum® Card from American ExpressThe Business Platinum Card from American Express (a NextAdvisor advertiser) boasts an incredibly generous welcome offer of up to 75,000 points (50,000 points after spending $10,000 in the first 3 months, and another 25,000 points for spending an additional $10,000 in the same 3 months). Business owners who travel will have the most to gain from this card with a generous 5x points on flights and prepaid hotels booked with Amex. If your business frequently charges expenses over $5,000 you’ll benefit from the 1.5x points on these costs, on everything else you will earn 1x points. The annual fee is very high at $595 but depending on your business and spending habits, it could be worth it for you.

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.