The Best American Express Credit Cards of 2021

Search for the best American Express credit cards, calculate total rewards and cash value of AMEX cards based on spend, and compare top rewards cards.

American Express offers several of the best credit cards in the market for earning cash back, rewards points, airline miles, and hotel rewards points. Their cards cover a wide range of categories and are great for building rewards on just about any kind of spend. American Express credit cards also offer a ton of superb benefits which includes extended warranty, return protection, purchase protection, lounge access, transferable rewards points, and more.

The Platinum Card® from American Express
Rewards Rate
10X
Earn 10X points per $1 spent on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 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.
Intro Bonus
Earn 75,000 Membership Rewards® Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.
Annual Fee
$550
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%
Main Card Highlights
  • 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 is available to Basic Card Member and Additional Centurion Cards only.
  • Enjoy complimentary access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits through American Express Travel with an average total value of $550 with Fine Hotels & Resorts® program at over 1,100 properties.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
  • Terms Apply.
The Business Platinum Card® from American Express
Rewards Rate
5X
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
1.5X
Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
1X
Earn 1X Membership Rewards® point on all other purchases
Intro Bonus
Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership.
Annual Fee
$595
Authorized User Fee
$300 for each additional Business Platinum Card
Foreign Transaction Fee
0%
Main Card Highlights
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more.
  • Terms Apply.
American Express® Gold Card
Rewards Rates
4X
Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too.
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.
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.
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%
Main Card Highlights
  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • $120 Uber Cash: 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.
  • Terms Apply.
American Express® Business Gold Card
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.
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.
Annual Fee
$295
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • 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.
  • Earn up to $300 in statement credits on eligible U.S. advertising and U.S. shipping purchases.
  • Pay Over Time Option: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.
  • Terms Apply.
The Blue Business® Plus Credit Card from American Express
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.
Intro Bonus
No current intro bonus
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.7%
Main Card Highlights
  • The power to spend beyond your credit limit with Expanded Buying Power which adjusts with your use of the Card, your payment history, credit record, financial resources known to AMEX 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.
  • Terms Apply.
Blue Cash Preferred® Card from American Express
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
Intro Bonus
Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back. Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
Annual Fee
$0 the first year, then $95
Authorized User Fee
$0
Foreign Transaction Fee
2.7%
Main Card Highlights
  • Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
  • Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
  • $0 intro annual fee for the first year, then $95.
  • 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.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • Plan It® gives the 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 redeemed as a statement credit.
  • Terms Apply.
Blue Cash Everyday® Card from American Express
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.
Intro Bonus
Earn 20% back on Amazon.com purchases on the Card in the first 6 months of Card membership, up to $150 back. Plus, earn $100 back after you spend $2,000 in purchases on your new Card within the first 6 months of card membership. You will receive cash back in the form of statement credits.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.7%
Main Card Highlights
  • Earn 20% back on Amazon.com purchases on the Card in the first 6 months of Card membership, up to $150 back.
  • Plus, earn $100 back after you spend $2,000 in purchases on your new Card within the first 6 months of card membership. You will receive cash back in the form of statement credits.
  • 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.
  • 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 the 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.
American Express Blue Business Cash™ Card
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.
Intro Bonus
No current intro bonus
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.7%
Main Card Highlights
  • The power to spend beyond your credit limit with Expanded Buying Power which adjusts with your use of the Card, your payment history, credit record, financial resources known to AMEX 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.
  • Terms Apply.
Marriott Bonvoy Brilliant™ American Express® Card
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
Intro Bonus
Earn 75,000 Marriott Bonvoy bonus points after you use your new Card to make $3,000 in purchases within the first 3 months. Plus, earn up to $200 in Statement Credits for eligible purchases at U.S. Restaurants within the first 6 months of Card Membership.
Annual Fee
$450
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Earn 75,000 Marriott Bonvoy bonus points after you use your new Card to make $3,000 in purchases within the first 3 months. Plus, earn up to $200 in Statement Credits for eligible purchases at U.S. Restaurants within the first 6 months of Card Membership.
  • Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at participating Marriott Bonvoy hotels.
  • Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at participating Marriott Bonvoy Hotels. 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(TM) Select membership.
  • No Foreign Transaction Fees.
  • $450 Annual Fee.
  • Terms Apply.
Hilton Honors American Express Surpass® Card
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
Intro Bonus
Earn 130,000 Hilton Honors 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 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Earn 130,000 Hilton Honors 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 Hilton Honors Bonus 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.
  • $95 annual fee.
  • Terms Apply.
Hilton Honors American Express Card
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
Intro Bonus
Earn 80,000 Hilton Honors 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 Hilton Honors Bonus Points after you spend a total of $5,000 in purchases on the Card in the first 6 months.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Earn 80,000 Hilton Honors 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 Hilton Honors Bonus 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.
Delta SkyMiles® Gold American Express Card
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.
Intro Bonus
Earn 40,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months. Plus, earn up to $50 back in statement credits for eligible purchases at U.S. restaurants with your card within the first 3 months of membership.
Annual Fee
$0 introductory annual fee for the first year, then $99
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Earn 40,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months.
  • Plus, earn up to $50 back in statement credits for eligible purchases at U.S. restaurants with your card within the first 3 months of membership.
  • 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.
  • Enjoy your first checked bag free on Delta flights.
  • Earn now. Travel when you're ready. After you spend $10,000 in purchases in a calendar year, you will receive a $100 Delta Flight Credit to inspire your next travel.
  • Enjoy a $0 introductory Annual Fee for the first year, then $99.
  • Terms Apply.
Delta SkyMiles® Platinum American Express Card
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.
Intro Bonus
Earn 50,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new Card in your first 3 months. Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants with your card within the first 3 months of membership.
Annual Fee
$250
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Accelerate your path to Medallion Status, with Status Boost®. Plus, in 2021 you can earn even more bonus Medallion® Qualification Miles (MQMs) to help you reach Medallion Status.
  • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. (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.
  • Terms Apply.

Best American Express Credit Cards of 2021

Credit Card Best For Annual Fee Rewards Calculator
The Platinum Card® from American Express Frequent travelers $550 Calculate
The Business Platinum Card® from American Express Frequent business travelers $595 Calculate
American Express® Gold Card Dining out worldwide and U.S. supermarkets $250 Calculate
American Express® Business Gold Card Flexible rewards on business spend $295 Calculate
The Blue Business® Plus Credit Card from American Express Business rewards with no annual fee $0 Calculate
Blue Cash Preferred® Card from American Express High cash back rates $0 first year, then $95 Calculate
Blue Cash Everyday® Card from American Express Cash back at no-annual fee $0 Calculate
American Express Blue Business Cash™ Card Cash back rewards for business $0 Calculate
Marriott Bonvoy Brilliant™ American Express® Card Marriott benefits $450 Calculate
Hilton Honors American Express Surpass® Card Frequent Hilton stays $95 Calculate
Hilton Honors American Express Card Hilton rewards with no-annual fee $0 Calculate
Delta SkyMiles® Gold American Express Card Occasional Delta flyers $0 first year, then $99 Calculate
Delta SkyMiles® Platinum American Express Card Frequent Delta flyers $250 Calculate

Best For Frequent Travelers: 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. It offers extensive airport lounge access, 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.

Worth The Fee? The Platinum Card has a $550 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.

Calculator: The Platinum Card® from American Express Cash Value Calculator

Best For Frequent Business Travelers: 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. The 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 $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. Outside of the many benefits of the card offers, this (in my opinion) is a great reason to have the card if you want easy, high-value out of your points when redeemed towards airfare.

Calculator: The Business Platinum Card® from American Express Cash Value Calculator

Best For Dining Out Worldwide & U.S. Supermarkets: American Express® Gold Card

Card Overview: The American Express Gold Card is known for it's exceptional return on dining worldwide and U.S. supermarket purchases. It earns 4X points on both categories 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 Uber credit and $120 in 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. If you're big on dining and shop frequently at U.S. supermarkets, this is a card you'll want to have for earning exceptional value on your spending.

Calculator: American Express® Gold Card Cash Value Calculator

Best For Flexible Rewards On Business Spend: 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 bumps up the value of the card as well as your points when.

Worth The Fee? Between the excellent 4X earnings and 25% point rebate on airfare, it's not hard to get significant value out of the American Express Business Gold Card. This card will excel for any business that's able to run solid spend through the eligible 4X categories as it will not take long to easily overcome the $295 annual fee.

Calculator: American Express® Business Gold Card Cash Value Calculator

Best For Business Rewards with No Annual Fee: The Blue Business® Plus Credit Card from American Express

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

Worth The Picking Up? 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.

Calculator: The Blue Business® Plus Credit Card from American Express Cash Value Calculator

Best For High Cash Back Rates: Blue Cash Preferred® Card from American Express

Card Overview: If you're looking for the best cash back credit card for U.S. supermarkets, the Blue Cash Preferred Card 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. It's pretty much dominates the supermarket category in the credit card market and is a great option if you want to earn cash back at high rates.

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.

Calculator: Blue Cash Preferred® Card from American Express Cash Value Calculator

Best For Cash Back with No Annual Fee: Blue Cash Everyday® Card from American Express

Card Overview: If you spend less than $300 on U.S. grocery and you're looking to earn great cash back, you'll want to check out the Blue Cash Everyday Card. This 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 Picking Up? 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.

Calculator: Blue Cash Everyday® Card from American Express Cash Value Calculator

Best For Cash Back Rewards For Business: American Express Blue Business Cash™ Card

Card Overview: One of the top cash back credit cards for small business 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 keep up with rewards.

Worth The Fee? Whether you're using it for all business spend or pairing it with other credit cards and using it for miscellaneous business 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 small business card to have.

Calculator: American Express Blue Business Cash™ Card Cash Value Calculator

Best For Elite Marriott Benefits: 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, a $100 hotel credit on Ritz-Carlton and St. Regis bookings, 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 at Marriott hotels, 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. 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.

Calculator: Marriott Bonvoy Brilliant™ American Express® Card Cash Value Calculator

Best For Frequent Hilton Stays: 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. The Hilton Honors American Express Surpass Card 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. It's one of the best hotel credit cards on the market due to it's superb earning rates.

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 and/or Priority Pass access, both of those benefits also adds value which can also be worth the fee.

Calculator: Hilton Honors American Express Surpass® Card Cash Value Calculator

Best For Hilton Rewards with No Annual Fee: 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 Picking Up? 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 if you're looking to build up Hilton Honors points towards free night redemptions.

Calculator: Hilton Honors American Express Card Cash Value Calculator

Best For Occasional Delta Flyers: 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 superb. Even once the annual fee kicks in the second year, if you typically pay for checked bags with Delta, you can avoid that fee by having this card attached to your Delta SkyMiles account. Checked bags with Delta will run you around $30 per direction, per person so this card pays for itself after 1 to 2 flights.

Calculator: Delta SkyMiles® Gold American Express Card Cash Value Calculator

Best For Frequent Delta Flyers: 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. This card offers a pretty lengthy list of benefits, but the most notable benefit is the annual Main Cabin companion pass in which you can take a companion on a flight with you for just the cost of taxes and fees. The card also allows you to earn Medallion Qualification Miles (MQMs) running heavy spend through the card and earn a Medallion Qualification Dollars (MQDs) waiver. Plus, you and those with you will still be able to enjoy a free checked bag. 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 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 out of the companion pass annually. Also, if you don't normally get free checked bags, the perk will eventually pay for the card after a small handful of flights.

Calculator: Delta SkyMiles® Platinum American Express Card Cash Value Calculator

American Express Rewards

American Express offers co-branded credit cards with hotel and airline programs, but they also offer their own cash back and rewards points programs.

American Express Membership Rewards

The American Express Membership Rewards program is one of the best rewards programs in the United States (and several other countries). Points earned in the program can be used in a large variety of ways which includes everything from statement credits, to travel, to gift cards, and much more. The table below lists the most common redemptions and the value you'll get out of each.

AMEX Membership Rewards Points Value
Avg. Value of 1 Point Redemption
$0.012 to $0.02+ Transferring To Partners
$0.01 American Express Travel Airfare
$0.07 Other Travel Redemptions
$0.07 AMEX Pay with Points
$0.06 Statement Credits

The best value of Membership Rewards Points will come from transferring them to partners and redeeming them on the American Express Travel Portal especially if you have The Business Platinum Card or The Business Gold Card thanks to the airfare rebates.

American Express Cash Back

American Express Cash back earned with personal American Express credit cards are called Rewards Dollars. Rewards Dollars can be redeemed at face value toward statement credits, gift cards, and merchandise.

American Express Cash back earned with American Express business credit cards are automatically applied directly to the statement. This means you will not have to worry about keeping up with redeeming your rewards.

Comparing American Express Credit Cards

American Express offers a large handful of credit cards that range between cash back, rewards points, and airline miles. Deciding which card is best will depend on your spend habits and card benefits that mean the most to you. Listed below are some of the most common credit card comparisons when it comes to finding the best American Express credit card. You can compare the benefits and calculate both rewards earned and the cash value of the compared cards based on spend, the value of benefits, and annual fees.

Best American Express Credit Cards By Spend Calculator

The Best American Express Credit Cards By Spend Calculator will give you an idea of which AMEX 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 AMEX credit cards from our partners.

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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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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. You can set any of the currencies listed below to 0 to calculate based on the non-transfer value.

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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