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Best American Express Credit Cards

The “best” credit card is not the same for everyone. You need perks that are meaningful to the way that you live. The most popular cards offer big sign-up bonuses ($500 or more) and/or great rewards for spending, particularly in high-volume categories, like travel or dining. But your needs may differ: Some cards offer zero interest or no annual fees, while others get you benefits like airline lounge access or primary rental insurance.

If you are looking for an American Express brand credit card or charge card, you’ve come to the right place. You can filter by personal or small business Amex cards and view all welcome bonus offers below.

The cards below are listed in the order of their total welcome bonus offer values.

Advertiser Disclosure: Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Commissions do not affect or prioritize placement within our results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

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26 Cards Available:

Credit card
Estimated Bonus Value :

$1,275

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Annual Fee: $595

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Estimated Bonus Value :

$1,275

Offer: 75,000 Membership Rewards points when you spend $15,000 within 3 months

A great card for flights and prepaid hotels earning 5x points, and for large expenses over $5,000 for 1.5x points.

Get a suite of benefits that include Gold Hilton status, Gold Marriott status, the American Express Global Lounge Collection which includes Centurion, Delta, and Priority Pass Lounge access, Fine Hotels and Resorts benefits, and a $200 annual incidental airfare credit. You'll also get $100 in free Dell credits twice annually (Jan-June and July-Dec).

In 2020, the Dell credit is doubled to $200 Jan-June and $200 July-Dec!)

Note: When displaying Estimated Rewards Values and calculations, this card is factoring in airline and hotels at 5x. This requires booking at AmexTravel.com and, if you do not, your earned rewards will change. Hotel bookings made via AmexTravel will generally not earn points or elite benefits.

Offer: 75,000 Membership Rewards points when you spend $15,000 within 3 months
Credit card
Estimated Bonus Value :

$1,275

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Annual Fee: $550

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Estimated Bonus Value :

$1,275

Offer: 75,000 Membership Rewards points when you spend $5,000 in your first 6 months + 10x points at U.S. Gas Stations and U.S. Supermarkets on up to $15,000 in combined purchases, during your first 6 months.

The Platinum Card is full of caché and its heavy metal design will catch more than a few looks. While the fee isn't small, you get a lot back in the form of monthly credits.

The benefits include a $200 in yearly Uber credits and Uber VIP status as well as $200 in annual incidental airline credits for your chosen airline, $100 in annual Saks Fifth Ave credits, access to the American Express Global Lounge Collection, which includes the Centurion Lounges, Priority Pass, and Delta SkyClubs when you are flying Delta.

NOTE: This card earns 5x on airfare and hotels, however, the airfare must be booked direct with the airline or at Amex Travel and the hotels must be prepaid at Amex Travel to earn 5x. This site's Estimated Rewards Values will calculate all airfare and hotels at 5x points, so if your hotels are booked directly (which you generally need to do to earn hotel points and status/benefits) please note that they will not earn 5x and your actual rewards value will vary accordingly.

Offer: 75,000 Membership Rewards points when you spend $5,000 in your first 6 months + 10x points at U.S. Gas Stations and U.S. Supermarkets on up to $15,000 in combined purchases, during your first 6 months.
Credit card

American Express Gold Card

Annual Fee: $250

Estimated Bonus Value :

$1,020

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Annual Fee: $250

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Estimated Bonus Value :

$1,020

Offer: 60,000 bonus Membership Rewards points when you spend $4,000 in 6 months

This game-changing card offers 4x Membership Rewards points on restaurants and supermarkets, as well as 3x on flights. It also offers $10 in monthly dining credits (see card details for more information) and $100 in annual airline incidental credits (airline credits will no longer be offered after 2021).

American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

Offer: 60,000 bonus Membership Rewards points when you spend $4,000 in 6 months
Credit card
Estimated Bonus Value :

$750

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Annual Fee: $450

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Estimated Bonus Value :

$750

Offer: Get 150,000 bonus Hilton Honors Bonus Points after you spend $4,000 in your first 3 months.

Get complimentary top-tier Hilton Diamond status, an annual $250 Hilton Resort credit, an annual $250 airline incidental fee credit, and a Free Weekend Night Award.

Also includes Priority Pass Select Airport Lounge Access for you and up to 2 guests per visit at no additional charge. (Enrollment required).

Earn Rate:

14x Hilton Honors points at Hiltons; 7x points on flights booked directly with airlines, car rentals booked direct, and US restaurants; and 3x points everywhere else.

Only in 2020 - Additional Hilton Aspire Benefits including Grocery Bonus Points

  • Bonus Points earned through eligible purchases on all Hilton American Express Cards, that post to the Card Member’s Hilton Honors account between May 1 through December 31, 2020 will be considered Base Points and will count towards Elite tier qualification and Lifetime Diamond Status.
  • Hilton Aspire Consumer Card Members’ eligible purchases at U.S. restaurants, including takeout and delivery, will now qualify toward the $250 Hilton resort credit benefit (June through August 2020).
  • Groceries: From May 1 – July 31, 2020, you’ll get 12X points per dollar at US Supermarkets.
  • Free Night Awards: Unexpired and new Free Weekend Night Rewards issued now through Dec 31, 2020 can be used any night of the week and any newly issued awards now through Dec 31, 2020 will be valid for 24 months.

NOTE: For the purposes of calculating your expected rewards for this card, we are assuming that the spend you put in "Hotels" is all spent at Hilton portfolio hotels and resorts. If some is spent at other hotels, your actual rewards will be slightly lower.

Offer: Get 150,000 bonus Hilton Honors Bonus Points after you spend $4,000 in your first 3 months.
Credit card
Estimated Bonus Value :

$650

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Annual Fee: $95

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Estimated Bonus Value :

$650

Offer: Get 130,000 Hilton Honors Bonus Points when you spend $3,000 in 3 months

Get Hilton Honors Gold Status, earn Free Weekend Night Awards based on annual spend, and earn Hilton Honors points on all purchases.

Earn bonus points on select business and travel categories: gas stations, wireless telephone service, shipping, restaurants, flights booked direct, and car rentals booked direct.

Note: Estimated Rewards Values shown throughout this site assume your hotel spend will be at Hilton brand hotels and resorts. If you have additional hotel spend not associated with Hilton, your actual return will be lower.

Offer: Get 130,000 Hilton Honors Bonus Points when you spend $3,000 in 3 months
Credit card
Estimated Bonus Value :

$650

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Annual Fee: $95

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Estimated Bonus Value :

$650

Offer: Get 130,000 extra Hilton Honors points when you spend $2,000 in your first 3 months.

This mid-tier Hilton card comes with complimentary Hilton Gold status.

It will allow you to earn 12x Hilton Honors points at Hilton; 6x at US restaurants, US supermarkets, and US gas stations; and 3x everywhere else.

There is also an opportunity to earn Diamond status and a free weekend night via card spend.

American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

Note: Estimated Rewards Values shown throughout this site assume your hotel spend will be at Hilton brand hotels and resorts. If you have additional hotel spend not associated with Hilton, your actual return will be lower.

Offer: Get 130,000 extra Hilton Honors points when you spend $2,000 in your first 3 months.
Credit card
Estimated Bonus Value :

$600

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Annual Fee: $125

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Estimated Bonus Value :

$600

Offer: Get 100,000 Marriott Bonvoy points when you spend $5,000 in your first 3 months + get up to $150 in statement credits for purchases on U.S. Advertising in select Media within your first 6 months + PLUS get Marriott Bonvoy Platinum Elite status for one year (February 1, 2021-January 31, 2022)

Earn Marriott Bonvoy points for all purchases. Earn 6x for stays at Marriott; 4x at restaurants, gas stations, shipping, and wireless telephone service; and 2x everywhere else. Get a free night award, silver status, and 15 elite credits annually.

If you stay at Marriott properties often, this card will offer a nice return on your spend on-property. The 15 elite nights annually can help you get to the next elite level.

Note: For the purposes of calculating your points and expected value, we assume all of your spend at "Hotels" will be at Marriott properties. You will only earn 2x points instead of 6x for spend at non-Marriott properties meaning that your Estimated Rewards Value would be lower than indicated.

Offer: Get 100,000 Marriott Bonvoy points when you spend $5,000 in your first 3 months + get up to $150 in statement credits for purchases on U.S. Advertising in select Media within your first 6 months + PLUS get Marriott Bonvoy Platinum Elite status for one year (February 1, 2021-January 31, 2022)
Credit card
Estimated Bonus Value :

$600

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Annual Fee: $450

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Estimated Bonus Value :

$600

Offer: Get 100,000 bonus Marriott Bonvoy points when you spend $5,000 in your first three months + 25,000 bonus points after your 1st year as a cardmember (after next year's annual fee is paid). You'll also get Marriott Platinum status from 2/1/2021 until 1/31/2022.

Receive Marriott Gold status and 15 elite nights credits every year.

This card earns Marriott points for purchases: 6x points at Marriott and SPG, 3x points at US restaurants and on flights booked directly with airlines, and 2x points everywhere else.

Comes with an annual free night award (up to 50,000 Marriott Rewards points in value) at renewal and a $300 credit towards Marriott hotel and resort stays.

NOTE: Our rewards calculator is assuming that your total entered in "Hotels" is spend at Marriott properties for the purposes of calculating this card's value to you. If part of your hotel spend is at non-Marriott properties, that spend will earn less than our estimate.

Offer: Get 100,000 bonus Marriott Bonvoy points when you spend $5,000 in your first three months + 25,000 bonus points after your 1st year as a cardmember (after next year's annual fee is paid). You'll also get Marriott Platinum status from 2/1/2021 until 1/31/2022.
Credit card
Estimated Bonus Value :

$595

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Annual Fee: $295

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Estimated Bonus Value :

$595

Offer: Get 35,000 Membership Rewards points when you spend $5,000 within 3 months

You will earn 4 points per dollar on any 2 out of 6 categories, automatically selected each calendar month based on which ones you spent the most on, up to $150,000 per year.

Categories include airfare purchased directly with airlines, US advertising and media, US gas stations, US hardware/software/cloud computing services, US restaurants, and US shipping.

Also, get a 25% rebate on airfare paid on points with your card.

Offer: Get 35,000 Membership Rewards points when you spend $5,000 within 3 months
Credit card
Estimated Bonus Value :

$540

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Annual Fee: $250

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Estimated Bonus Value :

$540

Offer: Get 45,000 Bonus miles and 5,000 MQMs when you spend $3,000 within 3 months plus a $100 statement credit after one Delta purchase within 3 months.

Get an annual main cabin "Buy One, Get One" companion certificate, plus your first checked bag free and priority boarding on Delta.

Earn bonus Medallion Qualifying Miles (MQMs) and bonus miles at tiered spending thresholds. Spending $25,000 in a year on this card will waive the MQDs requirement for Medallion qualification up to Platinum status.

Delta Business Platinum Bonus Categories

  • Earn 3X miles on Delta purchases.
  • Earn 3X miles on hotels (purchased directly with the hotel - much better than when you have to use a booking portal!)
  • Earn 1.5 miles on purchases of $5,000 or more, up to 50,000 miles per year.

Additional Amex Delta Business Platinum Benefits

  • $100 statement credit every 4 years for Global Entry or an $85 credit for TSA Pre✓® every 4.5 years.
  • Buy One, Get One Companion Certificate on select fares.
  • $39 Delta SkyClub per-visit lounge access.

NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Delta and is therefore counted at 3x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.

Offer: Get 45,000 Bonus miles and 5,000 MQMs when you spend $3,000 within 3 months plus a $100 statement credit after one Delta purchase within 3 months.
Credit card
Estimated Bonus Value :

$540

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Annual Fee: $550

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Estimated Bonus Value :

$540

Offer: 45,000 bonus miles and 10,000 MQMs when you spend $4,000 in purchases in your first 3 months.

Get an annual companion certificate in any cabin class and Delta Sky Club Access + Centurion Lounge, plus your first checked bag free and priority boarding on Delta.

Earn bonus Medallion Qualifying Miles (MQMs) and bonus miles at tiered spending thresholds. Spending $25,000 in a year on this card will waive the MQDs requirement for Medallion qualification up to Platinum status.

Delta Reserve Bonus Categories

  • Earn 3X miles on Delta purchases

Additional Delta Reserve Benefits

  • Complimentary Delta Upgrades: For those without Delta Medallion Elite status, you will still be eligible for complimentary domestic upgrades after all elite members have cleared.
  • Additionally, Reserve cardholders with status get upgrade list priority over members at the same Medallion tier without the Reserve card
  • Annual domestic companion certificate in any class, including First and Business (This can be an amazing value, especially on a Delta One transcontinental flight).
  • $100 statement credit every 4 years for Global Entry or an $85 credit for TSA Pre✓® every 4.5 years.

NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Delta and is therefore counted at 3x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.

Offer: 45,000 bonus miles and 10,000 MQMs when you spend $4,000 in purchases in your first 3 months.
Credit card

American Express Green Card

Annual Fee: $150

Estimated Bonus Value :

$510

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Annual Fee: $150

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Estimated Bonus Value :

$510

Offer: 30,000 Membership Rewards when you spend $2,000 within 3 months

The biggest feature of this card is 3X American Express Membership Rewards points on Travel, Transit and Dining.

The new Amex Green card also comes with a few annual credits:

  • $100 credit towards a CLEAR membership for expedited airport security lines.
  • $100 credit to Lounge Buddy (airport lounges - a competitor to Priority Pass lounge access
Offer: 30,000 Membership Rewards when you spend $2,000 within 3 months
Credit card
Estimated Bonus Value :

$480

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Annual Fee: $99

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Estimated Bonus Value :

$480

Offer: 40,000 bonus miles when you spend $2,000 in purchases in the first 3 months.

Get your first checked bag free and priority boarding on Delta. Spending $25,000 in a year on this card will waive the MQDs requirement for Medallion qualification up to Platinum status.

Gold Delta SkyMiles Business Credit Card Earn Rate

  • 2X Delta SkyMiles on Delta purchases
  • 2X miles on shipping
  • 2X miles on restaurants worldwide
  • 2X miles on advertising in select media (online, TV)
  • 1X miles on everything else

New Delta Flight Benefit

Get a $100 Delta credit towards a flight when you have spent $10,000 in a calendar year.

NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Delta and is therefore counted at 2x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.

Offer: 40,000 bonus miles when you spend $2,000 in purchases in the first 3 months.
Credit card
Estimated Bonus Value :

$480

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Annual Fee: $250

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Estimated Bonus Value :

$480

Offer: Get 40,000 Bonus miles and 5,000 MQMs when you spend $3,000 within 3 months plus a $100 statement credit after one Delta purchase within 3 months.

Get an annual main cabin "Buy One, Get One" companion certificate, plus your first checked bag free and priority boarding on Delta.

Earn bonus Medallion Qualifying Miles (MQMs) and bonus miles at tiered spending thresholds. Spending $25,000 in a year on this card will waive the MQDs requirement for Medallion qualification up to Platinum status.

Delta Platinum Bonus Categories

  • Earn 3X miles on Delta purchases
  • Earn 3X miles on hotels (purchased directly with the hotel - much better than when you have to use a booking portal!)
  • Earn 2X miles at U.S. supermarkets
  • Earn 2X miles at restaurants, worldwide

Additional Delta Platinum Benefits

  • $100 statement credit every 4 years for Global Entry or an $85 credit for TSA Pre✓® every 4.5 years.
  • Buy One, Get One Companion Certificate on select fares.

NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Delta and is therefore counted at 3x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.

Offer: Get 40,000 Bonus miles and 5,000 MQMs when you spend $3,000 within 3 months plus a $100 statement credit after one Delta purchase within 3 months.
Credit card
Estimated Bonus Value :

$480

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Annual Fee: $550

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Estimated Bonus Value :

$480

Offer: Get 40,000 bonus SkyMiles and 10,000 MQMs when you spend $3,000 in your first 3 months.

Get an annual companion certificate in any cabin class and Delta Sky Club + Centurion Lounge Access, complimentary Medallion upgrades, plus your first checked bag free and priority boarding on Delta.

Earn bonus Medallion Qualifying Miles (MQMs) and bonus miles at tiered spending thresholds. Spending $25,000 in a year on this card will waive the MQDs requirement for Medallion qualification up to Platinum status.

Earn Rate:

  • Earn 3X miles on Delta purchases

Primary Benefits:

  • Complimentary Delta Upgrades: For those without Delta Medallion Elite status, you will still be eligible for complimentary domestic upgrades after all elite members have cleared.
  • Additionally, Reserve cardholders with status get upgrade list priority over members at the same Medallion tier without the Reserve card
  • Annual domestic companion certificate in any class, including First and Business (This can be an amazing value, especially on a Delta One transcontinental flight).
  • $100 statement credit every 4 years for Global Entry or an $85 credit for TSA Pre✓® every 4.5 years.

NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Delta and is therefore counted at 3x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.

Offer: Get 40,000 bonus SkyMiles and 10,000 MQMs when you spend $3,000 in your first 3 months.
Credit card
Estimated Bonus Value :

$420

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Annual Fee: $99

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Estimated Bonus Value :

$420

Offer: Get 35,000 bonus miles when you spend $2,000 in your first 3 months.

Get your first checked bag free and priority boarding on Delta. It also earns 2x miles on Delta spend. More serious Delta flyers should consider the Platinum Delta SkyMiles Credit Card from American Express.

Gold Delta SkyMiles Credit Card Earn Rate

  • 2X Delta SkyMiles on Delta purchases
  • 2X miles on U.S. supermarkets
  • 2X miles on restaurants worldwide
  • 1X miles on everything else

New Delta Flight Benefit

Get a $100 Delta credit towards a flight when you have spent $10,000 in a calendar year.

NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Delta and is therefore counted at 2x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.

Offer: Get 35,000 bonus miles when you spend $2,000 in your first 3 months.
Credit card
Estimated Bonus Value :

$400

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