American Express cards are noted for their generous rewards, numerous benefits, and distinctive card designs. In reality, Amex issued the first “black card,” the Centurion® Card from American Express, in 1999. Nearly 20 years later, it introduced the American Express® Gold Card in a limited-edition rose gold alloy. Amex cards offer several consumers a wide range of perks, whether you want to earn rewards, get out of debt, travel, or reduce company spending, in addition to innovative card designs.
While many Amex cards have annual fees that can reach nearly $600, you can find cards with low or no annual fees that offer many of the same typical Amex features as annual fee cards, such as shopping discounts through Amex Offers and free two-day shipping with ShopRunner.
Here I listed below the best American credit cards to pick according to your needs.
Best cashback card—–Blue Cash Preferred® Card from American Express
- Six percent cash back on up to $6,000 in purchases per year at U.S. supermarkets (then 1%).
- Six percent cash back on select U.S. streaming subscriptions.
- Three percent cash back at U.S. gas stations.
- Three percent Cashback on transit (including taxis/rideshare, parking, tolls, trains, buses, and more).
- One percent cash back on other purchases Cash Back is given in Reward Dollars, which can be redeemed for a credit on your account.
Bonus Intro Offer: Spend $3,000 on your new Card within the first 6 months and receive a $300 statement credit.
Annual Fee: $0 introductory annual fee for the first year, then $95.
Introductory APR: Purchases get an introductory APR of 0% for the first 12 months, while balance transfers have an introductory APR of N/A.
Regular APR: 13.99% to 23.99% variable
- Six percent Cashback on grocery purchases in the United States (up to $6,000 per year, then 1%).
- You can get up to 6% cashback on some U.S. streaming subscriptions.
- Unlimited 3% cashback at gas stations and on public transportation in the United States.
Purchase Now and Pay Later: There are no upfront plan costs when you use Plan It® to break up large purchases into monthly installments. Plan fees are waived for the first 12 months after your account is opened. After then, based on the plan duration, the APR that would otherwise apply to the purchase, and other considerations, a monthly plan charge of up to 1.33 percent of each purchase amount will be transferred into a plan.
- On balance transfers, there is no introductory APR offer.
- You can’t get a direct deposit or a cheque for your cashback earnings.
Best no-annual-fee Card—-Blue Cash Everyday Card from American Express
- 3% Cash back at U.S. supermarkets (up to $6,000 in purchases each year, after that 1%).
- 2% Cash back at U.S. gas stations and certain U.S. department shops.
- 1% cashback on all other purchases. Reward Dollars are a type of cashback that can be quickly redeemed for statement credits.
Bonus Intro Offer: Spend $2,000 on your new Card during the first six months to receive a $200 bill credit.
Introductory APR: Introductory APR of 0% for the first 15 months on purchases, N/A for balance transfers.
Regular APR: 13.99% to 23.99% variable
- On purchases, this card provides a 0% beginning APR (0 percent for 15 months then 13.99 to 23.99 percent variable).
- There is no annual fee with this credit card.
- On balance transfers, this card does not offer an introductory APR.
- The 3% cashback rate in U.S. supermarkets has a limit (up to $6,000 per year, after which it drops to 1%).
Best travel card—–The Business Platinum Card from American Express
- Restaurants (including takeout and delivery in the United States).
- U.S. supermarkets (on purchases up to $25,000 per calendar year, then 1X).
- 4X Membership Rewards® points 3X points on flights purchased directly from airlines or through amextravel.com, 1X points on all other purchases
Bonus Intro Offer: Spend $4,000 on eligible purchases during the first 6 months after account opening to get 60,000 Membership Rewards® points as a welcome bonus.
Annual Fee: $250
Intro APR: Not applicable
- Purchases made through Grubhub, Seamless, and qualified restaurants can earn you up to $120 in dining credit per year ($10 per month) (after a one-time enrollment)
- For Uber Eats and Uber rides in the United States, you can earn up to $120 Uber Cash every year ($10 per month) (A card must be added to the Uber app to receive the Uber Cash benefit).
- Strong rewards program with 4X points for dining and 3X points for flights booked directly with airlines or amextravel.com.
- Baggage insurance covers damage, loss, or theft of carry-on baggage up to $1,250 and checked baggage up to $500.
- There is no charge for purchases made outside of the United States.
- No introductory APR period
- $250 annual fee
Best luxury card—- American Gold Card
5X points for flights booked directly with airlines or through American Express Travel (up to $500,000 per calendar year starting January 1, 2021).
- 5X points on American Express Travel prepaid hotel reservations.
- 1X points on all other transactions.
Bonus Intro Offer: After spending $6,000 within six months of account opening, you’ll earn 100,000 Membership Rewards® points. Apply and choose your favorite metal Card design from the classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
Annual Fee: $695
Intro APR: None
Best Small Business Card—–Blue Business® Plus Credit Card from American Express.
On everyday business purchases up to $50,000 per year, get 2X Membership Rewards® points, then 1X points per dollar.
Bonus Intro Offer
Spend $3,000 in eligible purchases on the Card within the first three months of enrollment to earn 15,000 Membership Rewards® points.
Annual Fee: There is no annual cost.
APR for first-time buyers: 0% APR over the next 12 months
APR on balance transfers: N/A
APR (Annual Percentage Rate): 13.24 percent to 21.24 percent variable
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