Best American Express Credit Cards for February 2024
For rates and fees of the Hilton Aspire card, please click here. For rates and fees of the Amex Platinum card, please click here. American Express cards have long held a reputation for lucrative benefits, though the extent of these perks depends on the card you have.
The Platinum Card® from American Express comes with a hefty annual fee, but travelers who like to go in style (and aren’t afraid to pay for comfort) can more than get their money’s worth. Enjoy extensive airport lounge access, hundreds of dollars a year in travel and shopping credits, hotel benefits and more. That’s not even getting into the high rewards rate on eligible travel purchases and the rich welcome offer for new cardholders. Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year. For the average traveler who flies Delta a few times a year, the Delta SkyMiles® Gold American Express Card is our top pick.
When you make a qualifying purchase in a foreign currency, the applicable statement credit will be credited in your local currency using the exchange rate at the date the statement credit is applied. If you have any questions or concerns about your eligible Card account including, without limitation, foreign currency conversion, please call the number on the back of your eligible Card for assistance. Whenever possible, we also feature cards that are available at various credit levels and price points.
- To view rates and fees of the Delta SkyMiles® Reserve Business American Express Card, see this page.
- While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
- This can be a good way to save on interest, as long as you have the means and a plan to pay off your balance before the introductory period expires.
- To view rates and fees of the Delta SkyMiles® Platinum American Express Card, see this page.
- To view rates and fees of the Delta SkyMiles® Platinum Business American Express Card, see this page.
The Amex EveryDay® Preferred Credit Card is worth considering if you want to earn valuable Amex Membership Rewards points — especially if you spend a lot on groceries, gas, or travel — without incurring a high annual fee. But you’ll need to use the card at least 30 times a month to make it worthwhile. Lastly, the entry-level option is the Hilton Honors card, offering complimentary Hilton Honors Silver status with a $0 annual https://1investing.in/ fee (rates & fees). One of the easiest ways to get into a Delta Sky Club airport lounge is through eligible Amex cards — learn more in our guide on the best credit cards for Delta Sky Club access. For the car rental loss and damage insurance benefit of The Blue Business® Plus Credit Card from American Express, eligibility and benefit level varies by card. Please visit americanexpress.com/benefitsguide for more details.
Business Gift Cards
Those who live near a Delta hub or regularly fly with the airline might be interested in a Delta cobranded credit card that helps you earn bonus miles on flights and gives you some nice airline benefits. Delta is one of Amex’s transfer partners, which makes using your Amex Gold to supplement your Delta earning for redemptions easy. Some of the best cash-back credit cards also offer an introductory 0% APR on purchases, balance transfers, or both. This can be a good way to save on interest, as long as you have the means and a plan to pay off your balance before the introductory period expires.
The Delta SkyMiles® Reserve American Express Card currently comes with a welcome bonus offer of 100,000 bonus miles after you spend $6,000 in purchases on your new card in the first six months from account opening. That’s worth around $1,100 in flights, according to Insider’s valuations. The Amex Green card has a $150 annual fee, but that’s relatively moderate, especially if you can take advantage of those two annual statement credits. American Express issues several metal credit cards — primarily those with higher annual fees.
Hilton Honors American Express Card
It packs a real punch, offering 4 points per dollar at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). The card must be added to your Uber account to receive this benefit. All this make it a very strong contender for all food purchases, which has become a popular spending category. Several banks offer credit cards that operate on the American Express payment network, but these cards are not issued by American Express itself. You can use them anywhere that accepts AmEx, but their rewards, perks, fees and rates are dictated by the card issuer, not American Express. The card also comes with up to $10 in monthly dining credits on eligible purchases at participating restaurants and up to $120 in annual Uber Cash credits (which can be used for Uber or Uber Eats) for U.S. customers.
Marriott Bonvoy Brilliant American Express Card: Best for annual bonuses
Cardholders earn 5 points per dollar spent on eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, and 3 points per dollar spent on all other eligible purchases. The card is offering a welcome bonus of 80,000 Hilton Honors bonus points after you spend $2,000 in purchases on the card in the first six months of card membership. The points are worth $400 based on Insider’s valuation of Hilton points. It also comes with perks that include automatic Silver elite status, which qualifies you for the fifth night free on standard award bookings of five or more nights.
If you plan on doing a lot of your travel bookings outside of AmexTravel.com, you’re better off spending on a card like the Amex Green card. With the Amex Gold card, you can earn 4x points at restaurants, plus takeout and delivery in the U.S., and U.S. supermarkets on up to $25,000 per calendar year in purchases (it then drops to 1x). This elevated earnings potential is fantastic, as both restaurants and supermarkets are common spending categories.
In some cases, we receive a commission from our partners; however, our opinions are our own. The Delta Gold card with a $0 introductory annual fee for the first year, then $150. Annual fee and offers a Delta flight credit of up to $200 for future travel when you spend $10,000 in a calendar year (rates & fees). American Express is well-known for its premium card products and benefits, with many thinking the brand is just for those interested in luxury and travel.
First, small business owners who have under $50,000 in purchases and wants to minimize any extra costs will find tremendous value from this card’s straightforward point-earning approach. Or, if you already own other Amex cards that earn Membership Rewards points and want a card with an everyday rewards rate, the 2x is helpful for all purchases (given that you spend less than $50,000 per calendar year). The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee. Read our full review of the Blue Cash Preferred Card from American Express. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation.
Check your approval odds on similar cards before you apply
For example, the Amex Blue Business Plus card allows you to add employee cards for no fee (rates & fees), which is a welcome addition for businesses with multiple employees. The card earns 2x Membership Rewards points on everyday business purchases up to $50,000 per year. The 2x points are a great way to earn Membership Rewards points on spending that generally does not have any bonus. Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.
Typically with credit cards, the better your credit, the lower the rate you may be able to qualify for. Credit card interest rates are usually tied to the prime rate, which is the interest rate that banks charge their biggest customers. When the prime rate goes up, credit card interest rates increase with it. The Amex EveryDay® Credit Card is the only American Express card without an annual fee that gives you Membership Rewards points …
For rates and fees of The Platinum Card® from American Express, please click here. While most people will be better off with the Preferred, the regular EveryDay is still a strong option — especially since there’s no annual amex playing cards fee. Best of all, if you make 30 or more purchases in a billing period, you’ll earn a 50% bonus. That means that those little $3 and $4 charges for things like coffee or a snack can help you get a ton of points quickly.