Calculate Which AMEX Cards Earn You The Most Rewards

Best American Express Cards - October 2021
Find out which American Express credit cards can earn you the most rewards and give you the best return based on your spend. Calculate card value, compare results side by side, and see which cards are the best fit for you.
Last Updated 2021-09-15

American Express offers several of the best credit cards in the market for earning cash back, rewards points, airline miles, and hotel rewards points. Review the best American Express credit cards and calculate which cards can earn you the most rewards and best return based on your spend.

Best American Express Credit Cards

Best Travel Credit Cards
American Express® Gold Card
Best For Restaurants & Big Supermarket Spenders
Best Cash Back Credit Cards
Blue Cash Everyday® Card from American Express
Best No-Annual Fee Card For Supermarket Spenders
Best Hotel Credit Cards
Marriott Bonvoy Brilliant™ American Express® Card
Best For Maximum Marriott Benefits & Value
Hilton Honors American Express Card
Best For Hilton Rewards with No-Annual Fee
Best Airline Credit Cards
Best Business Credit Cards
The Business Platinum Card® from American Express
Best Card For Lounge Access & Business Travelers
American Express® Business Gold Card
Best For Flexibility & Overall Rewards
The Blue Business® Plus Credit Card from American Express
Best Flat-Rate Rewards Card For Small Businesses
American Express Blue Business Cash™ Card
Best Flat-Rate Cash Back Card For Small Businesses

Whether you're looking for travel rewards, cash back, hotel points, or airline miles, American Express more than likely has a credit card that fits the bill.

American Express credit cards offer a ton of superb benefits which includes extended warranty, return protection, purchase protection, lounge access, transferable rewards points, and more.

This page details our top picks for the best American Express credit cards from our partners. You can use the calculator to estimate which American Express credit cards can earn you the best average return on your spend.

The cards on this page are updated periodically. New cards are introduced from time to time and the benefits of current cards could change at any time. You can use our Credit Card Finder Tool to search by spend across all credit cards in our database.


Best For Frequent Travelers

The Platinum Card® from American Express
The Platinum Card® from American Express

Card Overview: The Platinum Card is one of the best credit cards on the market and one of my all-time favorite credit cards for luxury travel benefits.

The most known benefit of the card is the American Express Global Lounge Collection which grants access to American Express Centurion Lounges, Priority Pass Lounges, Delta SkyClub Lounges (when flying Delta), Airspace Lounges, and Escape Lounges.

Other benefits include up to $100 in statement credits towards Global Entry or TSA PreCheck, $200 in Uber credits, access to the Hotel Collection which grants $100 in hotel credit on stays, complimentary elite status with both Hilton and Marriott, and much more.

In terms of rewards, this card will earn you 5X points on flights booked directly with the airline or through American Express Travel, and 5X points on hotels booked with American Express Travel. (The 5X points earning rate applies to up to $500,000 on these purchases per calendar year). All other purchases ran across The Platinum Card will earn you 1X. (Enrollments required for select benefits).

Worth The Fee? The Platinum Card has a $695 annual fee which can be hard to swallow, but if you take advantage of the benefits the card has to offer, you can easily squeeze significant value out of the card that can make it worth the fee.

This includes the $500 in annual credits, extensive lounge access, excellent purchase protection and travel insurance benefits, and many other elite travel benefits offered.

Another big benefit of this card is that authorized users also receive most of the benefits offered on the card which can add even more value to the card.

The Platinum Card® from American Express
The Platinum Card® from American Express
Intro Bonus
Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
Rewards Rate
10X
Earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
5X
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel, on up to $500,000 per calendar year.
5X
Earn 5X Membership Rewards® Points on prepaid hotels booked on amextravel.com.
1X
Earn 1X Membership Rewards® Points on all other purchases.
Main Card Highlights
  • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
  • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships. Enrollment required.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • $695 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Annual Fee
$695
Authorized User Fee
$175 for up to 3 additional Platinum cards and $175 for each additional Platinum card after the first 3
Foreign Transaction Fee
0%

Best For Restaurants & Big Supermarket Spenders

American Express® Gold Card
American Express® Gold Card

Card Overview: The American Express Gold Card is known for it's exceptional return for those who love to dine out at restaurants and shop at supermarkets.

It earns 4X points on both restaurant and U.S. supermarket purchases along with 3X points on airfare purchases directly with the airline or through American Express Travel and 1X points on all other purchases.

It comes with $120 in annual Uber credits and $120 in annual dining credits with both sets of credits being split up into $10 per month (enrollment required).

Worth The Fee? The American Express Gold Card has an annual fee of $250.

If you're able to fully use the $120 in annual Uber credit and $120 in annual dining credit, you'll bring the overall cost of this card down to $10 which is well worth the earning rates that this card offers.

Since you're earning at a high rate of 4X on restaurant and U.S. supermarket purchases, it will not take long to rack up a large amount of points which can be redeemed for a value of 1 cent each towards airfare or transfer to AMEX's airline and hotel partners.

American Express® Gold Card
American Express® Gold Card
Intro Bonus
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
Rewards Rates
4X
Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery.
4X
Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3X
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
1X
Earn 1X Membership Rewards® point on all other purchases.
Main Card Highlights
  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Get up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12/31/21.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
Annual Fee
$250
Authorized User Fee
$0 for the first five add'l cards, then $35 per card for the sixth card onward
Foreign Transaction Fee
0%

Best For Earning High Cash Back

Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express

Card Overview: If you're looking for the best cash back credit card for dining at restaurants and supermarket spend, the Blue Cash Preferred® Card from American Express is the one.

It earns 6% cash back on up to $6,000 in annual U.S. supermarket purchases (then 1%), 6% back on U.S. streaming services, 3% back on transit and U.S. gas station purchases, and 1% back on everything else.

The Blue Cash Preferred pretty much dominates the U.S. supermarket category in the credit card market and is the best option if you want the best return on your spend.

Worth The Fee? The Blue Cash Preferred Card is easily worth the fee if you spend $300 or more at U.S. supermarkets and that's not even counting the other categories featured on the card.

It's not hard to get $95 in value between the high earning rates and the standard AMEX benefits (such as AMEX Offers) that this card offers.

Blue Cash Preferred® Card from American Express
BCP
Intro Bonus
$300 Statement Credit
Rewards Rate
6%
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6%
6% Cash Back on select U.S. streaming subscriptions.
3%
3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
3%
3% Cash Back at U.S. gas stations
1%
1% Cash Back on other purchases
Main Card Highlights
  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • 6% 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 (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
Annual Fee
$0 the first year, then $95
Authorized User Fee
$0
Foreign Transaction Fee
2.7%

Best No-Annual Fee Card For Supermarket Spenders

Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express

Card Overview: If you spend less than $300 on U.S. grocery and you still want to earn a great return on your supermarket spending, you'll want to check out the Blue Cash Everyday® Card from American Express.

The card earns 3% cash back on up to $6,000 in U.S. supermarket purchases (then 1%), 2% cash back at U.S. gas stations and U.S. department stores, and 1% back on all other purchases.

It's one of the best no-annual fee credit cards for U.S. supermarket spend and one of the best no-annual fee credit cards in general.

Worth It? If you spend less than $300 per month on U.S. grocery purchases, the Blue Cash Everyday Card will be a good fit. If you spend more than that, you'll earn a better return with the Blue Cash Preferred Card.

Blue Cash Everyday® Card from American Express
Blue Cash Everyday Card from American Express
Intro Bonus
$200 Statement Credit
Rewards Rate
3%
3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
2%
2% Cash Back at U.S. gas stations and at select U.S. department stores.
1%
1% Cash Back on other purchases.
Main Card Highlights
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • Buy Now, Pay Later: Enjoy $0 plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives t
  • 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% Cash Back on other purchases.
  • he option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.7%

Best For Maximum Marriott Benefits & Value

Marriott Bonvoy Brilliant™ American Express® Card
Marriott Bonvoy Brilliant™ American Express® Card

Card Overview: The Marriott Bonvoy Brilliant American Express Card is the best option if you want to top-tier benefits with Marriott.

The card offers a free night annually with a value of up to 50,000 Points, complimentary Marriott Gold Elite status, up to a $100 hotel credit on 2+ day bookings at Ritz-Carlton and St. Regis, Priority Pass Select membership, and up to $300 in statement credits each year for eligible purchases at participating Marriott Bonvoy Hotels.

On top of those great benefits, the card earns 6X points on eligible purchases at hotels particiapting in the Marriott Bonvoy program, 3X points at U.S. restaurants and on flights booked directly with airlines, and 2X points on all other purchases.

Worth The Fee? The Marriott Bonvoy Brilliant American Express Card has an annual fee of $450, but this can easily be covered between the $300 annual credit and the free night award.

The free night award alone has an average value of around $350 in which that value can be higher or lower depending on where you use it at.

If you frequent St. Regis or Ritz-Carlton hotels, you'll be able to enjoy a $100 hotel credit on 2-day or longer bookings which can add great value to the card as well.

Priority Pass also holds some significant value considering membership alone is quite pricey.

Overall, the Marriott Bonvoy Brilliant American Express Card is worth picking up if you enjoy staying at Marriott, you are looking for some solid benefits, and you want an excellent free night award valued at up to 50,000 points.

Marriott Bonvoy Brilliant™ American Express® Card
Marriott Bonvoy Brilliant American Express Card
Intro Bonus
Limited Time Offer: Earn 150,000 Marriott Bonvoy Bonus Points and a Bonus Free Night Award after you use your new Card to make $5,000 in eligible purchases within the first 3 months of Card Membership. Offer ends 11/3/2021.
Rewards Rate
6X
Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at participating Marriott Bonvoy Hotels
3X
Earn 3 points at U.S. restaurants and on flights booked directly with airlines
2X
Earn 2 points on all other eligible purchases
Main Card Highlights
  • Limited Time Offer: Earn 150,000 Marriott Bonvoy Bonus Points and a Bonus Free Night Award after you use your new Card to make $5,000 in eligible purchases within the first 3 months of Card Membership. Each bonus Free Night Award has a redemption level up to 85,000 points. Certain hotels have resort fees. Offer ends 11/3/2021.
  • Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at hotels participating in the Marriott Bonvoy™ program.
  • Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at U.S. restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
  • Receive 1 free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy Points) at a participating hotel. Certain hotels have resort fees.
  • Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership.
  • No Foreign Transaction Fees.
  • $450 Annual Fee.
  • Terms Apply.
Annual Fee
$450
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best Overall Hilton Card

Hilton Honors American Express Surpass® Card
Hilton Honors American Express Surpass® Card

Card Overview: Hilton offers a total of three personal credit cards and the best well-rounded card in the bunch is the Hilton Honors American Express Surpass Card. It's the hands down best option if you're looking for great benefits and a superb earning rate on your spending at a standard annual fee.

The card offers complimentary Hilton Honors Gold, 10 complimentary Priority Pass visits, and the ability to spend your way to both a Weekend Night Reward and Hilton Honors Diamond status (enrollments required for select benefits).

It earns 12X points on Hilton spend, 6X on U.S. restaurant, U.S. supermarket, and U.S. gas station spend, and 3X on all other purchases.

Worth The Fee? The Hilton Honors American Express Surpass Card has an annual fee of $95.

If you frequently stay at Hilton and you use this card to pay for your stays, you'll easily make accumulate a significant amount of Hilton Honors Points that can more than make up for the fee.

If you don't have Hilton Gold status or Priority Pass membership, both of those benefits also adds some great value to the card.

Hilton Honors American Express Surpass® Card
Hilton Honors American Express Surpass Card
Intro Bonus
Earn Up to 180,000 Hilton Honors Bonus Points
Rewards Rate
12X
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
6X
Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations
3X
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card
Main Card Highlights
  • Earn 130,000 Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership.
  • Plus, you can earn an additional 50,000 Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • Terms Apply.
Annual Fee
Enjoy $0 intro Annual Fee for the first year, then $95
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best For Hilton Rewards with No-Annual Fee

Hilton Honors American Express Card
Hilton Honors American Express Card

Card Overview: If you're don't stay at Hilton often, but you want to build Hilton Honors Points on your spending, the Hilton Honors American Express Card will be the best option.

This no-annual fee credit card earns 7X at Hilton properties, 5X on U.S. restaurant, U.S. supermarket, and U.S. gas stations, and 3X on everything else.

It grants complimentary Hilton Honors Silver which grants you some bonus points on your stays and gives you access to Hilton's 5th Night Free benefit.

Worth It? If you stay at Hilton once or twice a year, you can't go wrong with the no-annual fee Hilton Honors American Express Card. You'll easily be able to build up Hilton Honors points that you can redeem towards free night redemptions.

Hilton Honors American Express Card
Hilton Honors American Express Card
Intro Bonus
Earn Up to 130,000 Hilton Honors Bonus Points
Rewards Rate
7X
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio
5X
Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations
3X
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card
Main Card Highlights
  • Earn 80,000 Bonus Points after you spend $1,000 in purchases on the Hilton Honors American Express Card in the first 3 months of Card Membership.
  • Plus, you can earn an additional 50,000 Points after you spend a total of $5,000 in purchases on the Card in the first 6 months.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
  • No Annual Fee.
  • Terms Apply.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best For Occasional Delta Flyers

Delta SkyMiles® Gold American Express Card
Delta SkyMiles® Gold American Express Card

Card Overview: The Delta SkyMiles Gold American Express Card is the best entry-level card for Delta.

If you fly Delta even once or twice a year, this card could save you hundreds thanks to it's First Checked Bag Free benefit which applies to you and up to 8 others traveling on the same reservation.

Along with saving money, you'll also be earning SkyMiles at a rate of 2X on Delta purchases and restaurant purchases made worldwide and 1X on all other purchases.

Worth The Fee? The Delta SkyMiles Gold American Express Card has no annual fee the first year which is great considering the value you can squeeze out between the intro bonus and benefits of the card.

In my opinion, the main reason to pick up this card is to save on checked bags. If you don't have Delta Medallion Status or you normally have to pay for bags, this card can save you hundreds per year depending on how often you fly.

Checked bags with Delta will run you around $30 per direction, per person. As long as this card is attached to your SkyMiles account, you and up to 8 others traveling with you will get the first checked bag free.

The first year that I had this card, it saved me and my family $650 on checked bag fee which is great considering the card only has an annual fee of $95 after the first year.

Delta SkyMiles® Gold American Express Card
Delta SkyMiles Gold American Express Card
Intro Bonus
Limited Time Offer: Earn 70,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months. Offer expires 11/10/2021.
Rewards Rate
2X
Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
1X
Earn 1X Mile on all other eligible purchases.
Main Card Highlights
  • Limited Time Offer: Earn 70,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months. Offer expires 11/10/2021.
  • Enjoy your first checked bag free on Delta flights.
  • Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • Earn 1X Mile on all other eligible purchases.
  • $100 Delta Flight Credit: After you spend $10,000 in purchases on your card in a calendar year, receive a Credit to use toward future travel.
  • Enjoy a $0 introductory Annual Fee for the first year, then $99.
  • Terms Apply.
Annual Fee
$99
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best Card For Delta Benefits

Delta SkyMiles® Platinum American Express Card
Delta SkyMiles® Platinum American Express Card

Card Overview: If you frequently fly Delta, you'll want to take it up a notch with the Delta SkyMiles Platinum American Express Card. It features pretty much all the benefits of the Delta SkyMiles Gold American Express Card along with a bunch of extra benefits.

This card offers a pretty lengthy list of benefits, but the most notable benefit is the annual Main Cabin Companion Pass. This pass allows you to take a companion on a flight with you in Main Cabin for just the cost of taxes and fees.

The card also allows you to earn Medallion Qualification Miles (MQMs) and Medallion Qualification Dollars (MQDs) waiver by running heavy spend through it during the calendar year.

The earnings rates for the Delta SkyMiles Platinum American Express Card is 3X on Delta purchases and purchases made directly with hotels, 2X at restaurants worldwide and at U.S. supermarkets, and 1X on all other purchases.

Worth The Fee? The Delta SkyMiles Platinum American Express Card has an annual fee of $250, but you can easily make up for that fee with the annual Main Cabin Companion Pass depending on where you're flying to.

If you're flying medium- to long-haul, you should be able to get $250 or more in value out of the companion pass annually. The pass is extremely easy to use as long as you plan your trip out a few months in advance.

The Delta SkyMiles Platinum American Express Card also offers the First Checked Bag Free perks for you and up to 8 others traveling on the same reservation. With bags costing $30 (or more) per direction, per person, this benefit add significant value to the card.

Delta SkyMiles® Platinum American Express Card
Delta SkyMiles Platinum American Express Card
Intro Bonus
Limited Time Offer: Earn 90,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months. Offer expires 11/10/2021.
Rewards Rate
3X
Earn 3X Miles on Delta purchases and purchases made directly with hotels.
2X
Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
1X
Earn 1X Miles on all other eligible purchases.
Main Card Highlights
  • Limited Time Offer: Earn 90,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months. Offer expires 11/10/2021.
  • Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • Earn 1X Miles on all other eligible purchases.
  • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. *Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Enjoy your first checked bag free on Delta flights.
  • Fee Credit for Global Entry or TSA Pre✓®.
  • Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
  • No Foreign Transaction Fees.
  • $250 Annual Fee.
  • Terms Apply.
Annual Fee
$250
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best Card For Lounge Access & Business Travelers

The Business Platinum Card® from American Express
The Business Platinum Card® from American Express

Card Overview: The Business Platinum Card is one of the best business credit cards available when it comes to elite travel benefits.

It offers extensive airport lounge access, $200 in airline incidental credits, $200 in annual Dell credits, up to $100 towards Global Entry or TSA PreCheck, complimentary elite status with Hilton and Marriott, a 35% point rebate on airfare bookings, and much more (enrollments required for select benefits).

The Business Platinum Card earns rewards at a rate of 5X points on airfare and hotels booked through the American Express Travel portal. Large single purchases of $5,000 or more will earn you 1.5X points (an additional 0.5 points on the base card earning rate) and all other purchases will earn you 1X points.

Worth The Fee? The Business Platinum Card has a hefty $595 annual fee, but offers $400 in annual credits, extensive lounge access, complimentary status, and a long list of other benefits which can easily make the card worth the fee.

The card also offers a 35% point rebate on booked airfare which puts points back into your account and thus stretches your points, giving them more value overall (around 1.54 cents to be exact). If you're heavily invested in the Membership Rewards ecosystem and don't mind using points for airfare through AMEX Travel, this benefit alone makes the card worth having.

The Business Platinum Card® from American Express
The Business Platinum Card® from American Express
Intro Bonus
Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Rewards Rate
5X
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
1.5X
Earn 1.5X Membership Rewards® points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies.
1X
Earn 1X Membership Rewards® point on all other purchases
Main Card Highlights
  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.24% to 22.24% based on your credit worthiness and other factors as determined at the time of account opening.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Earn 1.5X Membership Rewards® points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies.
  • Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • Access to more than 1,300 airport lounges across 140 countries and counting with The American Express Global Lounge Collection®. More lounge options than any other credit card on the market as of 8/2020.
  • $595 Annual Fee ($695 if application is received on or after 01/13/2022).
  • Terms Apply.
  • See Rates & Fees
Annual Fee
$595 if you apply before 1/12/22, $695 afterwards
Authorized User Fee
$300 for each additional Business Platinum Card
Foreign Transaction Fee
0%

Best For Flexibility & Overall Rewards

American Express® Business Gold Card
American Express® Business Gold Card

Card Overview: The American Express Business Gold Card earns an automatic 4X on the two select categories your business spent the most each month on up to $150,000 in spend during the calendar year. This means the card will automatically adjust to make sure you get the most out of your business spend.

In addition to an excellent return on your spend, the card also offers a 25% point rebate on airfare redemptions through American Express Travel. This puts points back into your account and thus bumps up the value of all Membership Rewards credit cards that you have if you typically redeem points for airfare through AMEX Travel.

Worth The Fee? The American Express Business Gold Card doesn't offer any annual credits, so you'll need to run spend through this card in order to make it worth picking up.

If your business spends heavy across any of the eligible 4X categories, it will not take long to make this card worth the annual fee as you'll be earning an average 4% return on your spend with the chance at a higher return when transferring points to AMEX's partners.

American Express® Business Gold Card
American Express® Business Gold Card
Intro Bonus
Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
Rewards Rate
4X
Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month; Applies to the first $150,000 in combined purchases from these 2 categories each calendar year
1X
Get 1X on all other purchases.
Main Card Highlights
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • Pay Over Time Option: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.*
  • *Terms Apply
Annual Fee
$295
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best Flat-Rate Rewards Card For Small Businesses

The Blue Business® Plus Credit Card from American Express
The Blue Business® Plus Credit Card from American Express

Card Overview: The Blue Business Plus Credit Card is the best credit card for small businesses looking to earn rewards on everyday spend.

It's also the best Membership Rewards credit card for miscellaneous purchases which is why lots of people use it as a personal/consumer credit card too.

It earns 2X points on the first $50,000 in purchases made during the calendar year (then 1X). On top of that, it has no annual fee which makes it one of the best credit cards for building up rewards with AMEX.

Worth It? With a 2X point earning and no annual fee, The Blue Business Plus Credit Card is one of the best credit cards for miscellaneous spend.

Pairing this with any business (or personal) credit card is the best way to maximize your points in the Membership Rewards program.

The Blue Business® Plus Credit Card from American Express
The Blue Business® Plus Credit Card from American Express
Intro Bonus
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Rewards Rate
2X
Earn 2X Membership Rewards® points on all eligible purchases on up to $50,000 per calendar year, then 1X for the remainder of the calendar year.
Main Card Highlights
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.7%

Best Flat-Rate Cash Back Card For Small Businesses

American Express Blue Business Cash™ Card
American Express Blue Business Cash™ Card

Card Overview: One of the top cash back credit cards for small businesses is the American Express Blue Business Cash Card.

It offers 2% cash back on the first $50,000 in purchases made during the calendar year, then 1%.

Cash back earned with the card is automatically applied to your statement, so you don't have to worry about keeping up with rewards.

Worth It? Whether you're using it for all business spend or pairing it with other credit cards and using it for miscellaneous spend, you can't go wrong with the American Express Blue Business Cash Card.

It has no annual fee with a 2% earning rate which makes it a great business credit card to have if you're looking for easy cash back.

American Express Blue Business Cash™ Card
American Express Blue Business Cash Card
Intro Bonus
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Rewards Rate
2%
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% for the remainder of the calendar year.
Main Card Highlights
  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond your credit limit with Expanded Buying Power.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.7%

Best American Express Credit Cards Summary

Credit Card Best For Annual Fee See All Available Offers
The Platinum Card® from American Express Best For Frequent Travelers $695 Learn More
American Express® Gold Card Best For Restaurants & Big Supermarket Spenders $250 Learn More
Blue Cash Preferred® Card from American Express Best For Earning High Cash Back $0 first year, then $95 Learn More
Blue Cash Everyday® Card from American Express Best No-Annual Fee Card For Supermarket Spenders $0 Learn More
Marriott Bonvoy Brilliant™ American Express® Card Best For Maximum Marriott Benefits & Value $450 Learn More
Hilton Honors American Express Surpass® Card Frequent Hilton stays $95 Learn More
Hilton Honors American Express Card Hilton rewards with no-annual fee $0 Learn More
Delta SkyMiles® Gold American Express Card Occasional Delta flyers $0 first year, then $99 Learn More
Delta SkyMiles® Platinum American Express Card Best Card For Delta Benefits $250 Learn More
The Business Platinum Card® from American Express Best Card For Lounge Access & Business Travelers $595 Learn More
American Express® Business Gold Card Best For Flexibility & Overall Rewards $295 Learn More
The Blue Business® Plus Credit Card from American Express Best Flat-Rate Rewards Card For Small Businesses $0 Learn More
American Express Blue Business Cash™ Card Best Flat-Rate Cash Back Card For Small Businesses $0 Learn More

Best Cards By Spend Calculator

The Best Cards By Spend Calculator will give you an idea of which credit cards will offer you the most rewards based on your spend.

Results will be sorted by net return which is the average value of the rewards earned, plus annual credits, and minus annual fees.

Results will consist of top-rated American Express credit cards offered by our partners.

Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.
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Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option.

If you want to calculate based on a full year of spending, you can leave it set to a duration of '1 Year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such.

Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations.

When set to zero (0), they will calculate based on The Point Calculator's valuations. Any non-zero value you enter will be used in the calculations.

You can click on the to learn more about the value of the currency when applicable (opens in a new tab/window). Depending on the calculations, all programs listed below may not be featured in the results.

Results

Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
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