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Best American Express Card To Get
Are you wondering which is the best American Express card in the US? You’ve come to the right place. An American Express (NYSE:AXP) card is the card to get if you value top-notch customer service and unparalleled cardholder privileges, like I do. American Express is ranked the highest in a nationwide survey on customer satisfaction among 10 of the largest credit card issuers for 4 years in a row, and that I find very impressive indeed. Along with this, American Express cards offer additional benefits such as extended warranty, purchase protection, return protection and travel accident insurance.
American Express has both credit cards and charge cards that mainly target affluent people with excellent credit score. Credit cards let you carry a balance from month to month if you don’t mind paying interest, whereas charge cards require you to pay off your balance each month, so you don’t ever pay interest and can’t accumulate debt. American Express has also partnered with Delta (NYSE:DAL), Starwood (NYSE:HOT) and Costco (NASDAQ:COST) to offer co-branded cards.
Since I’ve reviewed so many American Express cards, and card offers change very frequently, below I’m listing some of the best American Express Cards for your easy reference, so that you can zoom in on the card that’s best for you.
Blue Cash Everyday Card From American Express is, in our opinion, one of the best cash back credit cards out there since you can earn 3% cash back when making purchases in supermarkets, 2% cash back at department stores and gas stations, and 1% on everything else. You don’t have to spend any minimum amount to qualify for the rebate, and there are no rotating rewards categories. You also earn $100 cash back when spending $1,000 within the 3 first months. Cash rewards can be redeemed for merchandise, gift cards or statement credit. There is no limit to the cash back you can earn. Blue Cash gives you 0% introductory APR on purchases for up to 12 months. No annual fee. Get this if you are looking for the best American Express card in the cash back category!
Read our review of Blue Cash here.
American Express Platinum Card is the best American Express rewards card for people with excellent credit who want a card that caters to the affluent, and for those with discerning taste. You will earn 2 points per dollar when you book your trips through American Express Travel, and 1 point for every other dollar you spend on all other purchases. You will receive 20% more points when redeeming your points through Membership Rewards Pay with Points for travel. What I like most about the American Express Platinum Card is that you get free access to airport lounges around the world, including American Airlines Admirals Club, Delta Sky Club, and US Airways Clubs. You can also earn up to $200 airline fee credit yearly for a selected airline, and get a Global Entry expedited U.S. immigration pass. Earn a complementary ticket at a discounted price when booking an international First or Business class flight. No foreign transaction fee. 24/7 concierge service. Bonus offer: Earn 25,000 bonus points (redeemable toward a round-trip domestic air ticket) after spending $2,000 on your card during the first three months. This card has a $450 annual fee.
Read our review of American Express Platinum Card here.
American Express Gold Card is a very popular charge card that gives you 3 points per dollar spent at their online Bonus Points Mall, 2 points per dollar spent making travel purchases at American Express Travel, and 1 point for every other dollar spent on all other purchases. Redeem your points for almost anything, from merchandise and travel, to gift cards and entertainment. You can earn unlimited number of points that don’t expire. American Express Gold gives you exclusive access to Gold Card events such as concerts, sporting events, shows, etc. $125 annual fee waived the first year.
Read our review of American Express Gold here.
American Express Premier Rewards Gold Card is a high-end charge card that gives you 3 points for each dollar you spend on airfare purchases and when shopping at their online mall, 2 points for every dollar you spend on gas and groceries, and 1 point for every dollar on all other purchases. You get to earn unlimited points that don’t expire. Plus, you get to earn 15,000 points each year once your annual purchases exceed $30,000 with the American Express Premier Rewards Gold Card. No pre-set spending limit. Bonus: Earn 25,000 bonus points after spending $2,000 during the first three months. Annual fee of $175 is waived the first year.
Read our review of American Express Premier Rewards Gold Card here.
Gold Delta Skymiles Credit Card From American Express is the official credit card of Delta, the world’s largest airline, and will suit those of you who fly frequently on Delta, and who want to earn miles whenever you use your card. You will earn 2 miles for every dollar you spend on Northwest and Delta purchases, and 1 mile for every other dollar you spend. Miles never expire, and there’s no cap on how many miles you can earn. First checked bag is free for up to 9 people on your reservation. Bonus offer: Earn 30,000 bonus miles after spending $500 in the first 3 months. No annual fee the first year, a savings of $95.
Read our review of American Express Delta Card here.
Blue Sky From American Express is a rewards credit card that gives you one point for each dollar you spend on the card, as well as a 0% intro APR for up to 12 months on purchases. Points don’t expire and you can earn an unlimited amount. You will get a $100 statement credit to be used against any travel purchases each time you earn 7,500 points. The American Express Blue Sky card gives you discounts at partner hotels, car rentals, dining and others, and comes with many travel benefits. Bonus offer: Receive 7,500 points after you spend $1,000 within the first 3 months. No annual fee.
Read our review of American Express Blue Sky here.
Starwood Preferred Guest Credit Card From American Express is the official Starwood credit card for people who often stay at the Starwood chain of hotels, which include Westin, Sheraton, St Regis, Le Meridien, etc. Earn up to 5 points per dollar spent when making Starwood purchases and 1 point per dollar spent on anything else. Special offer: Earn up to 25,000 bonus points as a new cardmember. No introductory annual fee the first year, $65 annual fee thereafter.
Read our review of American Express Starwood here.
SimplyCash Business Card from American Express OPEN is a great no-fee business credit card for businesses with excellent credit. It lets you earn 5% cash back on wireless phone services and office supply purchases, 3% cash back on gas, and 1% cash back on all other purchases. The cash back you can earn is unlimited. 0% intro APR on purchases for 6, 9, or 12 months. This American Express Simply Cash card also gives you up to 10% discounts when shopping with select retailers. Free end-of-year summary of all your business expenses. No annual fee. This is the best American Express card for business owners.
Read our review of American Express Simply Cash Card here.
Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author's alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.