Are you wondering which are some of the best American Express cards in the US? You’ve come to the right place. An American Express 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, Starwood and Costco 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.
The Platinum Card® from American Express is, in our opinion, one of 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. What I like most about the Platinum Card from American Express is that you get access to airport lounges around the world. Earn 2 points per dollar spent when booking eligible travel purchases through their online travel website. You can also earn up to $200 Airline Fee Credit annually for a selected airline, and enjoy savings on a companion ticket when booking a qualifying international First or Business class air ticket through the American Express travel website. No foreign transaction fee. There is also the Platinum Card Concierge service that you can use for assistance with reservations, travel, gifts, and more. Bonus offer: Earn 40,000 Membership Rewards® points after spending $3,000 on your card during the first three months. This card has a $450 annual fee. Terms and limitations apply.
Read our review of American Express Platinum Card here.
Blue Cash Everyday® Card from American Express is, in our opinion, a good cash back credit card out there since you can earn 3% cash back when making purchases at U.S. stand-alone supermarkets (on up to $6,000 spent, and 1% thereafter), 2% cash back at select U.S. department stores and U.S. gas stations, and 1% on other eligible purchases. You don’t have to spend any minimum amount to qualify for the rebate, and there are no rotating rewards categories. You also earn 50 Reward Dollars when spending $1,000 within the 3 first months. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases. Blue Cash Everyday® gives you 0% introductory APR on purchases and balance transfers for 15 months. After that, your APR will be a variable rate, currently 12.99%-21.99% with flexibility to pay over time. No annual fee. Terms and Limitations Apply. Get this if you are looking for a good American Express card in the cash back category!
Read our review of Blue Cash Everyday® here.
Blue Cash Preferred Card from American Express is a rewards card that gives you 100 Reward Dollars when you spend $1,000 within the first 3 months. This card lets you earn 6% cash back on the first $6,000 spent on purchases made at U.S. stand-alone supermarkets, and 1% cash back thereafter. You’ll also receive 3% cash back per dollar spent at U.S. stand-alone gas stations and at major department stores, as well as 1% cash back on the rest of your purchases. Enjoy 0% intro APR on purchases and balance transfers for the first 15 months and after that you pay a variable APR of 12.99%-21.99%. $75 annual fee. Terms and limitations apply.
Read our review of Blue Cash Preferred Card here.
Starwood Preferred Guest® Credit Card from American Express is an 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 purchases charged directly with resorts and hotels participating in the Starwood Preferred Guest program, and 1 point per dollar spent on anything else. Welcome offer for new card members: Earn up to 25,000 bonus Starpoints®: 10,000 after your first purchase and another 15,000 after you spend $5,000 within the first 6 months of Cardmembership – enough for a weekend getaway. $0 intro annual fee for the first year, then $65. Terms and limitations apply.
Read our review of Starwood credit card here.
American Express® Premier Rewards Gold Card is a charge card that gives you 3 points for flights booked with airlines, 2 points for every dollar you spend on gas at U.S. stand-alone gas stations and groceries at U.S. stand-alone supermarkets, and 1 point for every dollar on other eligible purchases. Plus, you get to earn 15,000 points once your annual purchases exceed $30,000 with the American Express Premier Rewards Gold Card in one year. No pre-set spending limit. Earn 25,000 Membership Rewards® points after spending $2,000 during the first three months. $0 introductory annual fee for the first year, then $175. Terms and limitations apply.
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 Delta purchases, and 1 mile for every dollar you spend on other purchases. Check your first bag free on Delta flights – that’s a savings of up to $200 per round trip for a family of four. Earn 30,000 bonus miles after spending $1,000 in the first 3 months. $0 introductory annual fee for the first year, then $95. Terms and limitations apply.
Read our review of Delta credit 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 15 months on purchases and balance transfers, 17.24%-22.24% variable APR thereafter. You will get a $100 statement credit to be used against 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. Earn 7,500 points after you spend $1,000 within the first 3 months of Cardmembership – redeemable for a $100 statement credit. No annual fee. Terms and limitations apply.
Read our review of Blue Sky card here.
SimplyCash Business Card from American Express is a great no-fee business credit card for businesses with excellent credit. It lets you earn 5% cash back on purchases from U.S. wireless phone service providers and U.S. office supply stores, 3% cash back on purchases spent in a category of your choice, up to $25,000 in each category, and 1% cash back thereafter and on other eligible purchases. Receive $250 statement credit if you are approved for this card before April 28, 2014, and when you spend $3,000 within the first 3 months. 0% intro APR on purchases for 9 months (12.24% – 19.24% variable APR thereafter). No annual fee. In our opinion, this is a good choice of American Express card for business owners. Terms and limitations apply.
Read our review of Simply Cash Card here.
The Business Platinum Card® from American Express OPEN is a charge card that gives you 40,000 Membership Rewards points when you spend $5,000 in purchases in the first 3 months. You will also enjoy up to $200 a year in statement credit to cover incidental airline fees like checked luggage and in-flight refreshments on the airline of your choice – to benefit from this, you must enroll and select a qualifying airline. With this card you can also enjoy Priority Pass Select airport lounge access to over 600 participating airport lounges across the globe. This card has no pre-set spending limit. No foreign transaction fees. $450 annual fee. Terms and restrictions apply.
Read our review of The Business Platinum Card® from American Express OPEN here.
TrueEarnings Card from Costco and American Express is a credit card for Costco members which lets you earn 3% cash back on the first $4,000 you spend per year at U.S. stand-alone gas stations and on gasoline at Costco, and 1% cash back thereafter. You’ll also earn 2% cash back on eligible travel purchases and at U.S. restaurants, and 1% cash back on all your other eligible purchases. Enjoy access and discounts to entertainment and card member-only events. 0% introductory APR on purchases for 6 months, 15.24% variable APR thereafter. $0 annual fee with your paid Costco membership. Terms and limitations apply.
Read our review of Costco credit card here.
Blue for Business® Credit Card from American Express is a rewards credit card for businesses. You can receive 10,000 Membership Rewards® points after making your first purchase on the card within the first 3 months. This card has a low introductory APR of 0.0% for 9 months on purchases, 11.24% – 19.24% variable APR on purchases thereafter. Receive a 30% anniversary relationship bonus of eligible purchases made on your card within an anniversary year. No annual fee for additional employee cards. $0 annual fee. Terms and restrictions apply.
Read our review of Blue for Business® Credit Card from American Express here.