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The Platinum Card® from American Express
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
☝ Increased Offer
You may be eligible for as high as 175,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount - all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.
It may take up to 24 hours to get the bonus miles which are being offered by Lifemiles rather than Amex.
Exact end time is July 31st, 2025 (11:59 PM GMT-6).
Details of the transfer bonus are here on the Lifemiles website. The bonus is being solely offered by Lifemiles and therefore you will not see the offer on the American Express website.
That said, I do not think almost anyone should be taking advantage of this offer.
Avianca is a Star Alliance partner that does not pass along fuel surcharges, however:
Keep in mind that Avianca recently devalued their program.
Also see: Downsides of the LifeMiles program.
With frequent website issues, terrible customer support, and change/cancel fees of up to $200 a ticket, it’s just not for me.
At a mere 15%, I cannot see a case for the transfer unless you were literally about to make a Lifemiles booking anyway.
When Chase launched a transfer bonus last month to Marriott Bonvoy of 65% until June 30th and 50% from now until August 15th, I wasn’t overly enthusiastic. That’s because a Chase Ultimate Rewards point is worth approximately 3X a Marriott point.
So you can imagine that a 20% bonus *really* does not move the needle for me. You can read my analysis at 50-65% here and then assume how much less I’d advise the transfer at 20% unless you are literally about to make a booking and need points to top off your account and have Amex points but not Chase points.
Aer Lingus has some sweet spots as well, like the US to Ireland for 13,000 – 16,250 Avios with no surcharges or 50,000 Avios – 62,500 Avios each way in Business Class. This would be if you find space on Aer Lingus metal. The lower pricing is from the East Coast, the higher is West Coast.
Combinable with other Avios programs like BA.
That said, generally you want to move your points to British Airways first for the most flexibility – since you can move from there to Finnair, which has some great redemptions, or Qatar (or Iberia).
See this post on the transfer bonus to British Airways Avios for more on the Finnair program.
Bonus points for spend in the following bonus categories:
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel® up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel®.
Only when booked via AmexTravel.com; Otherwise, hotels will earn 1X points per dollar spent
- With over $1,800 in available statement credits, this is a premium travel rewards card with benefits galore. (Terms apply.) Note: Aside from the listed bonus categories, earn 1X on all other eligible purchases.
- The Platinum Card® hasn't shed its travel roots, but it’s expanded beyond to become a lifestyle card with perks like Uber, Saks Fifth Avenue, Equinox, and more. (Enrollment required)
- Amex Membership Rewards® points are extremely flexible, with the option to redeem for travel directly through Amex Travel or transfer to a wide range of airline and hotel partners.
Pros
- A wide array of travel and lifestyle credits and exclusive access that can enhance your life.
- There is no better card for the breadth and variety of airport lounge access worldwide. Plus, the Centurion Lounge network is the largest amongst credit card issuers.
- One of the best cards to earn points on airfare: 5 points per dollar on airfare purchased directly with airlines or through the Amex Travel portal (on up to $500,000 of airfare purchases per calendar year).
Cons
- High annual fee that will require a bit of work to fully maximize.
- Besides airfare and select hotels, it's not the best card to use for other purchases as it only earns 1X on categories outside of flights booked directly with the airlines (5X) or through the Amex Travel portal (5X on up to $500,000 of airfare purchases per calendar year) and 5X points for prepaid hotels booked with Amex Travel.
- Car rental insurance is only secondary, not primary as it is with premium cards from Chase and Capital One.
Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well. ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
The Business Platinum Card® from American Express
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
🎁 Bonus offer
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. Terms Apply.
It may take up to 24 hours to get the bonus miles which are being offered by Lifemiles rather than Amex.
Exact end time is July 31st, 2025 (11:59 PM GMT-6).
Details of the transfer bonus are here on the Lifemiles website. The bonus is being solely offered by Lifemiles and therefore you will not see the offer on the American Express website.
That said, I do not think almost anyone should be taking advantage of this offer.
Avianca is a Star Alliance partner that does not pass along fuel surcharges, however:
Keep in mind that Avianca recently devalued their program.
Also see: Downsides of the LifeMiles program.
With frequent website issues, terrible customer support, and change/cancel fees of up to $200 a ticket, it’s just not for me.
At a mere 15%, I cannot see a case for the transfer unless you were literally about to make a Lifemiles booking anyway.
When Chase launched a transfer bonus last month to Marriott Bonvoy of 65% until June 30th and 50% from now until August 15th, I wasn’t overly enthusiastic. That’s because a Chase Ultimate Rewards point is worth approximately 3X a Marriott point.
So you can imagine that a 20% bonus *really* does not move the needle for me. You can read my analysis at 50-65% here and then assume how much less I’d advise the transfer at 20% unless you are literally about to make a booking and need points to top off your account and have Amex points but not Chase points.
Aer Lingus has some sweet spots as well, like the US to Ireland for 13,000 – 16,250 Avios with no surcharges or 50,000 Avios – 62,500 Avios each way in Business Class. This would be if you find space on Aer Lingus metal. The lower pricing is from the East Coast, the higher is West Coast.
Combinable with other Avios programs like BA.
That said, generally you want to move your points to British Airways first for the most flexibility – since you can move from there to Finnair, which has some great redemptions, or Qatar (or Iberia).
See this post on the transfer bonus to British Airways Avios for more on the Finnair program.
Bonus points for spend in the following bonus categories:
Must be booked via Amex Travel to earn 5X; otherwise earn 1X
Must be booked via Amex Travel to earn 5X; otherwise earn 1X
On up to $2 million in eligible purchases in the U.S., per calendar year, in all 1.5X bonus categories.
On up to $2 million in eligible purchases in the U.S., per calendar year, in all 1.5X bonus categories.
On up to $2 million in eligible purchases in the U.S., per calendar year, in all 1.5X bonus categories.
- With an array of both luxury travel perks and small business benefits, this is the ultimate premium card for high-spenders.
- Generous protections when using the card to make purchases that provide genuine peace of mind.
- Amex Membership Rewards® points are extremely valuable, especially for their ability to be transferred to hotel and airline partners.
Pros
- Robust 5x Membership Rewards® on flights and prepaid hotels at Amex Travel
- Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection including Centurion Lounges, Priority Pass Select membership, and more.
- Unlock over $2,000 in statement credits with business and travel benefits annually* on the Business Platinum Card. Terms apply. Learn more. *After meeting qualifying spend thresholds
Cons
- High annual fee of $695
- While there are variety of generous statement credits, they are mostly specific to certain merchants: Dell, Adobe, Indeed, etc.
- Airline fee credit does not cover airfare, only incidentals like checked baggage fees or other incidentals.
Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well. ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
American Express® Gold Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
☝ Increased Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount - all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.
It may take up to 24 hours to get the bonus miles which are being offered by Lifemiles rather than Amex.
Exact end time is July 31st, 2025 (11:59 PM GMT-6).
Details of the transfer bonus are here on the Lifemiles website. The bonus is being solely offered by Lifemiles and therefore you will not see the offer on the American Express website.
That said, I do not think almost anyone should be taking advantage of this offer.
Avianca is a Star Alliance partner that does not pass along fuel surcharges, however:
Keep in mind that Avianca recently devalued their program.
Also see: Downsides of the LifeMiles program.
With frequent website issues, terrible customer support, and change/cancel fees of up to $200 a ticket, it’s just not for me.
At a mere 15%, I cannot see a case for the transfer unless you were literally about to make a Lifemiles booking anyway.
When Chase launched a transfer bonus last month to Marriott Bonvoy of 65% until June 30th and 50% from now until August 15th, I wasn’t overly enthusiastic. That’s because a Chase Ultimate Rewards point is worth approximately 3X a Marriott point.
So you can imagine that a 20% bonus *really* does not move the needle for me. You can read my analysis at 50-65% here and then assume how much less I’d advise the transfer at 20% unless you are literally about to make a booking and need points to top off your account and have Amex points but not Chase points.
Aer Lingus has some sweet spots as well, like the US to Ireland for 13,000 – 16,250 Avios with no surcharges or 50,000 Avios – 62,500 Avios each way in Business Class. This would be if you find space on Aer Lingus metal. The lower pricing is from the East Coast, the higher is West Coast.
Combinable with other Avios programs like BA.
That said, generally you want to move your points to British Airways first for the most flexibility – since you can move from there to Finnair, which has some great redemptions, or Qatar (or Iberia).
See this post on the transfer bonus to British Airways Avios for more on the Finnair program.
Bonus points for spend in the following bonus categories:
4X Membership Rewards points per dollar spent on U.S. Supermarkets* (up to $25,000 a year; 1X thereafter)
At restaurants worldwide (up to $50,000 a year; 1X thereafter)
Booked directly with the airline or via AmexTravel.com
- Amazing Membership Rewards earn rate for spend on dining and at supermarkets as well as airfare
- No Preset Spending Limit. No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
- You can choose the traditional American Express Gold Card color or the unique Rose Gold versions
Pros
- For a pure combination of spending on dining, groceries, and airfare, the American Express Gold card is unmatched
- Although the annual fee seems high, you can actually come out ahead by using available monthly statement credits
- Earns valuable American Express Membership rewards points and card membership includes the highly regarded American Express customer service
Cons
- The annual fee of $325, despite the statement credits that can offset it, is steep for some
- Bonus categories are limited to just three
- Car rental CDW coverage is secondary to your own auto insurance
Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well. ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
American Express® Business Gold Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
🎁 Bonus offer
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms apply.
It may take up to 24 hours to get the bonus miles which are being offered by Lifemiles rather than Amex.
Exact end time is July 31st, 2025 (11:59 PM GMT-6).
Details of the transfer bonus are here on the Lifemiles website. The bonus is being solely offered by Lifemiles and therefore you will not see the offer on the American Express website.
That said, I do not think almost anyone should be taking advantage of this offer.
Avianca is a Star Alliance partner that does not pass along fuel surcharges, however:
Keep in mind that Avianca recently devalued their program.
Also see: Downsides of the LifeMiles program.
With frequent website issues, terrible customer support, and change/cancel fees of up to $200 a ticket, it’s just not for me.
At a mere 15%, I cannot see a case for the transfer unless you were literally about to make a Lifemiles booking anyway.
When Chase launched a transfer bonus last month to Marriott Bonvoy of 65% until June 30th and 50% from now until August 15th, I wasn’t overly enthusiastic. That’s because a Chase Ultimate Rewards point is worth approximately 3X a Marriott point.
So you can imagine that a 20% bonus *really* does not move the needle for me. You can read my analysis at 50-65% here and then assume how much less I’d advise the transfer at 20% unless you are literally about to make a booking and need points to top off your account and have Amex points but not Chase points.
Aer Lingus has some sweet spots as well, like the US to Ireland for 13,000 – 16,250 Avios with no surcharges or 50,000 Avios – 62,500 Avios each way in Business Class. This would be if you find space on Aer Lingus metal. The lower pricing is from the East Coast, the higher is West Coast.
Combinable with other Avios programs like BA.
That said, generally you want to move your points to British Airways first for the most flexibility – since you can move from there to Finnair, which has some great redemptions, or Qatar (or Iberia).
See this post on the transfer bonus to British Airways Avios for more on the Finnair program.
Bonus points for spend in the following bonus categories:
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
3X Membership Rewards Points on Flights and Prepaid Hotels Booked at AmexTravel.com; Otherwise 1X
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card; 1X otherwise
- Amazing Membership Rewards points earning rate for 6 popular business spending categories
- No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
- Card membership includes the very well regarded American Express customer service
Pros
- You can't beat the 4X points on 2 out of the following 6 categories each month: U.S. advertising and media, U.S. gas stations, U.S. electronic goods retailers and software & cloud system providers, U.S. restaurants, U.S. wireless telephone service providers, and U.S. Transit
- Although the annual fee seems high, if you max out the 4X on $150,000 in purchases, that earns you 600,000 Membership Rewards points which Your Best Credit Cards values at around $10,000
- Card membership includes the very well regarded American Express customer service
Cons
- The high annual fee, despite being worth it for high spenders
- If you spend well over $150,000 a year in these categories, you may max it out and remaining spend earns at just 1X.
- Car rental CDW coverage is secondary to your own auto insurance
Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well. ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
The Blue Business® Plus Credit Card from American Express
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
🎁 Bonus offer
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Terms Apply.
It may take up to 24 hours to get the bonus miles which are being offered by Lifemiles rather than Amex.
Exact end time is July 31st, 2025 (11:59 PM GMT-6).
Details of the transfer bonus are here on the Lifemiles website. The bonus is being solely offered by Lifemiles and therefore you will not see the offer on the American Express website.
That said, I do not think almost anyone should be taking advantage of this offer.
Avianca is a Star Alliance partner that does not pass along fuel surcharges, however:
Keep in mind that Avianca recently devalued their program.
Also see: Downsides of the LifeMiles program.
With frequent website issues, terrible customer support, and change/cancel fees of up to $200 a ticket, it’s just not for me.
At a mere 15%, I cannot see a case for the transfer unless you were literally about to make a Lifemiles booking anyway.
When Chase launched a transfer bonus last month to Marriott Bonvoy of 65% until June 30th and 50% from now until August 15th, I wasn’t overly enthusiastic. That’s because a Chase Ultimate Rewards point is worth approximately 3X a Marriott point.
So you can imagine that a 20% bonus *really* does not move the needle for me. You can read my analysis at 50-65% here and then assume how much less I’d advise the transfer at 20% unless you are literally about to make a booking and need points to top off your account and have Amex points but not Chase points.
Aer Lingus has some sweet spots as well, like the US to Ireland for 13,000 – 16,250 Avios with no surcharges or 50,000 Avios – 62,500 Avios each way in Business Class. This would be if you find space on Aer Lingus metal. The lower pricing is from the East Coast, the higher is West Coast.
Combinable with other Avios programs like BA.
That said, generally you want to move your points to British Airways first for the most flexibility – since you can move from there to Finnair, which has some great redemptions, or Qatar (or Iberia).
See this post on the transfer bonus to British Airways Avios for more on the Finnair program.
Bonus points for spend in the following bonus categories:
- 2X points rewards rate on all eligible purchases (up to the first $50,000 spent per calendar year), then 1X
- No annual fee; plus, add employee cards for no additional cost
- Business expense management tools and expanded buying power ability
Pros
- No annual fee, making the Blue Business Plus a great starter card for new or small business owners
- Earn 2X Membership Rewards points on purchases (capped at the first $50,000 in a year)
- Business expense management tools and expanded buying power ability
Cons
- The 2x earning rate is capped at $50,000 per year
- Charges a foreign transaction fee
Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well. ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Business Green Rewards Card from American Express
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
🎁 Bonus offer
15,000 bonus Membership Rewards points when you spend $3,000 within your first 3 months. Terms Apply.
It may take up to 24 hours to get the bonus miles which are being offered by Lifemiles rather than Amex.
Exact end time is July 31st, 2025 (11:59 PM GMT-6).
Details of the transfer bonus are here on the Lifemiles website. The bonus is being solely offered by Lifemiles and therefore you will not see the offer on the American Express website.
That said, I do not think almost anyone should be taking advantage of this offer.
Avianca is a Star Alliance partner that does not pass along fuel surcharges, however:
Keep in mind that Avianca recently devalued their program.
Also see: Downsides of the LifeMiles program.
With frequent website issues, terrible customer support, and change/cancel fees of up to $200 a ticket, it’s just not for me.
At a mere 15%, I cannot see a case for the transfer unless you were literally about to make a Lifemiles booking anyway.
When Chase launched a transfer bonus last month to Marriott Bonvoy of 65% until June 30th and 50% from now until August 15th, I wasn’t overly enthusiastic. That’s because a Chase Ultimate Rewards point is worth approximately 3X a Marriott point.
So you can imagine that a 20% bonus *really* does not move the needle for me. You can read my analysis at 50-65% here and then assume how much less I’d advise the transfer at 20% unless you are literally about to make a booking and need points to top off your account and have Amex points but not Chase points.
Aer Lingus has some sweet spots as well, like the US to Ireland for 13,000 – 16,250 Avios with no surcharges or 50,000 Avios – 62,500 Avios each way in Business Class. This would be if you find space on Aer Lingus metal. The lower pricing is from the East Coast, the higher is West Coast.
Combinable with other Avios programs like BA.
That said, generally you want to move your points to British Airways first for the most flexibility – since you can move from there to Finnair, which has some great redemptions, or Qatar (or Iberia).
See this post on the transfer bonus to British Airways Avios for more on the Finnair program.
Bonus points for spend in the following bonus categories:
- Earn one Membership Rewards® point for each dollar you spend on eligible purchases
Pros
Cons
Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well. ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
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