The Best American Express Card for You in 2024 (2024)

On American Express's website

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.4/5

Perks

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (on up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1X Points on other purchases.

Annual Fee

See Rates and Fees

$695

Intro APR

N/A

Regular APR

See Pay Over Time APR

Intro Offer

80,000 Membership Rewards® points after you spend $8,000 on eligible purchases on your new card in your first six months of card membership

Earn 80,000 Membership Rewards® points

Recommended Credit

Good to Excellent

Pros

Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
Annual statement credits with Saks and Uber

Cons

Bonus categories leave something to be desired
One of the highest annual fees among premium travel cards

Insider’s Take

If you want as many premium travel perks as possible, The Platinum Card® from American Express could be the right card for you. The annual fee is high, but you get a long list of benefits such as airport lounge access, travel statement credits, complimentary hotel elite status, and more.

Amex Platinum Card review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
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.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peaco*ck, and The Wall Street Journal. Enrollment required.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
$155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
$189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
$695 annual fee.
Terms Apply.

Best for dining rewards

American Express® Gold Card

On American Express's website

Insider’s Rating

Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.3/5

Perks

Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.

Annual Fee

See Rates and Fees

$325

Intro APR

N/A

Regular APR

See Pay Over Time APR

Intro Offer

60,000 Membership Rewards® points after spending $6,000 on purchases on the card in the first six months of card membership plus 20% back in statement credits on eligible purchases made at restaurants worldwide within the first six months of card membership, up to $100 back (Limited time offer. Offer ends 11/6/24)

Earn 60,000 Membership Rewards® points plus 20% back in statement credits on eligible purchases made at restaurants worldwide, up to $100 back (Limited time offer. Offer ends 11/6/24)

Recommended Credit

Good to Excellent

Pros

Great rewards for dining and for shopping at U.S. supermarkets
Monthly statement credit for eligible dining purchases recoups some of the annual fee

Cons

Underwhelming welcome bonus

Insider’s Take

Foodies and travelers alike will appreciate the American Express Gold's generous welcome bonus and Membership Rewards points earning. Its Uber Cash credits are useful for rides and Uber Eats, and monthly dining credits with participating merchants like GrubHub and Seamless are easy to use.

Amex Gold Card review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
Get the American Express® Gold Card in either the Gold, Rose Gold or Limited-Edition White Gold metal design. White Gold design is only available while supplies last.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at Dunkin' locations.
$100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
$120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit to use towards eligible charges, which may include food and beverage, spa, or other on-property charges with every booking of two nights or more through AmexTravel.com. Credit use varies by property.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.

Best for cash back

Blue Cash Preferred® Card from American Express

On American Express's website

Insider’s Rating

3.5/5

Perks

Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Earn 6% Cash Back on select U.S. streaming subscriptions. Earn 3% Cash Back at U.S. gas stations. Earn 3% Cash Back on transit (including taxis, rideshare, parking, tolls, trains, buses and more). Earn 1% Cash Back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

Annual Fee

$0 intro for the first year, then $95

Intro APR

0% intro APR for 12 months on purchases and balance transfers from the date of account opening

Regular APR

19.24% - 29.99% Variable

Intro Offer

$250 statement credit after you spend $3,000 in eligible purchases on your new card within the first six months from account opening

Earn a $250 statement credit

Recommended Credit

Good to Excellent

Pros

Generous bonus rewards, especially at U.S. supermarkets
One of a small handful of credit cards that offer bonus rewards on select streaming services
Intro APR offer

Cons

Unlike many other cash-back cards, it charges an annual fee
If you spend more than $6,000 at US supermarkets each year, you'll want to use another card once you reach that cap

Insider’s Take

The Amex Blue Cash Preferred is one of the best cash-back cards, particularly for consumers who spend a lot of money at U.S. supermarkets, use streaming services, or have lots of commuting and gas expenses. The annual fee is worth it if your typical spending lines up with the card's bonus categories.

Amex Blue Cash Preferred Card review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations.
3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
$84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
Terms Apply.

Best for bonus points on travel

American Express® Green Card

Insider’s Rating

4.2/5

Perks

Earn 3x Membership Rewards® Points at restaurants including takeout and delivery in the US. Earn 3x Membership Rewards® Points on transit including trains, buses, ferries, subway, and more. Earn 3x Membership Rewards® Points on travel including airfare, hotels, cruises, tours, car rentals, and more. Earn 1x Membership Rewards® Points on all other purchases

Earn 1-3 points per dollar on purchases

Annual Fee

$150

Intro APR

N/A

Regular APR

See Pay Over Time APR

Intro Offer

60,000 points after you spend $3,000 on purchases in the first six months of card membership and earn 20% back on eligible travel and transit purchases, up to a total of $200 back, made during your first six months of card membership

Top American Express Card Reviews

American Express offers some of the best credit cards on the market. You can expect luxurious travel experiences, purchase protections and benefits, and valuable rewards redeemable for some of the best flights and hotels in the world.

Narrowing down a list of top picks was hard for our expert team — but these are the best credit cards of 2024, as chosen by Business Insider's credit card experts.

Best for Frequent Travelers: Amex Platinum Card

Best Amex card for frequent travelers

The Platinum Card® from American Express

On American Express's website

Insider’s Rating

4.4/5

Perks

Annual Fee

See Rates and Fees

$695

Intro APR

N/A

Regular APR

See Pay Over Time APR

Intro Offer

80,000 Membership Rewards® points after you spend $8,000 on eligible purchases on your new card in your first six months of card membership

Earn 80,000 Membership Rewards® points

Recommended Credit

Good to Excellent

Pros

Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
Annual statement credits with Saks and Uber

Cons

Bonus categories leave something to be desired
One of the highest annual fees among premium travel cards

Insider’s Take

Amex Platinum Card review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
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.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peaco*ck, and The Wall Street Journal. Enrollment required.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
$155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
$189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
$695 annual fee.
Terms Apply.

At $695 a year, the Amex Platinum Card has one of the highest annual fees of any mainstream card. However, as long as you're willing to float it up front, you can get way more value back from the card — for instance, it's possible to get more than $2,000 in value from it during your first year.

The Amex Platinum Card offers 5 points per dollar spent on flights booked directly with the airline, as well as flights and pre-paid hotels booked through American Express Travel (on up to $500,000 on these purchases per calendar year, then 1x). It earns 1 point per dollar on everything else.

The card comes with a long list of perks, including access to more than 1,400 airport lounges within the Priority Pass** network, as well as Delta Sky Clubs (when you're flying Delta) and proprietary Amex Centurion Lounges. It also offers complimentary Gold elite status with Marriott and Hilton hotels**, as well as up to $100 per year in shopping credits at Saks Fifth Avenue**, up to $200 in Uber credits** each cardmember year, and access to special events. The Chase Sapphire Reserve® is a premium credit card that is also very popular, so you may want to compare the Amex Platinum and the Chase Sapphire Reserve before making a final decision.

*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.

The Platinum Card® from American Express also comes with benefits such as up to $300 annually in Equinox credits**, $189 per year in credits for CLEAR® Plus membership**, up to $200 per year incredits toward eligible prepaid hotel bookings, up to $240 in annual credits toward eligible digital subscriptions**, and credits for Walmart+ memberships** and SoulCycle at-home bike purchases**.

American Express Platinum card review

Best for Dining Rewards: Amex Gold Card

Best for dining rewards

American Express® Gold Card

On American Express's website

Insider’s Rating

4.3/5

Perks

Annual Fee

See Rates and Fees

$325

Intro APR

N/A

Regular APR

See Pay Over Time APR

Intro Offer

Earn 60,000 Membership Rewards® points plus 20% back in statement credits on eligible purchases made at restaurants worldwide, up to $100 back (Limited time offer. Offer ends 11/6/24)

Recommended Credit

Good to Excellent

Pros

Great rewards for dining and for shopping at U.S. supermarkets
Monthly statement credit for eligible dining purchases recoups some of the annual fee

Cons

Underwhelming welcome bonus

Insider’s Take

Amex Gold Card review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
Get the American Express® Gold Card in either the Gold, Rose Gold or Limited-Edition White Gold metal design. White Gold design is only available while supplies last.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at Dunkin' locations.
$100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
$120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit to use towards eligible charges, which may include food and beverage, spa, or other on-property charges with every booking of two nights or more through AmexTravel.com. Credit use varies by property.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.

The Amex Gold Card is one of the best cards for dining, unless you're only interested in cash back, rather than potentially more valuable rewards points.

The Amex Gold Card earns 4X Membership Rewards® points on purchases at restaurants worldwide (on up to $50,000 in purchases per calendar year, then 1X points), 4X Membership Rewards® points at US supermarkets (on up to $25,000 in purchases per calendar year, then 1X points), 3X Membership Rewards® points on flights booked directly with airlines or on AmexTravel.com, 2X Membership Rewards® points on prepaid hotels and other eligible purchases booked on AmexTravel.com, and 1X Membership Rewards® point on all other eligible purchases. Based on the fact that you can easily redeem Membership Rewards points for more than 1 cent of value each, this is the highest-earning card for everything food-related.

Here's another reason to consider the Amex Gold card: It adds up to $120 of dining credits after enrollment — split into up to $10 each month — at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. It also offers up to $120 Uber Cash (up to $10 per month credits) each calendar year (this is only applicable to U.S. Eats orders and Rides, and the Gold Card needs to be added to the Uber app to receive the Uber Cash benefit).

Amex Gold Card review

Best for Cash Back: Amex Blue Cash Preferred Card

Best for cash back

Blue Cash Preferred® Card from American Express

On American Express's website

Insider’s Rating

3.5/5

Perks

Annual Fee

$0 intro for the first year, then $95

Intro APR

0% intro APR for 12 months on purchases and balance transfers from the date of account opening

Regular APR

19.24% - 29.99% Variable

Intro Offer

$250 statement credit after you spend $3,000 in eligible purchases on your new card within the first six months from account opening

Earn a $250 statement credit

Recommended Credit

Good to Excellent

Pros

Generous bonus rewards, especially at U.S. supermarkets
One of a small handful of credit cards that offer bonus rewards on select streaming services
Intro APR offer

Cons

Unlike many other cash-back cards, it charges an annual fee
If you spend more than $6,000 at US supermarkets each year, you'll want to use another card once you reach that cap

Insider’s Take

Amex Blue Cash Preferred Card review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations.
3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
$84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
Terms Apply.

If you're less excited about earning Membership Rewards points — which can be valuable, but also require some effort to redeem for maximum value — and want to stick with cash back, the Amex Blue Cash Preferred Card is the best option, even with an annual fee of $0 intro for the first year, then $95.

You'll earn 6% cash back on select U.S. streaming services and 3% back on all transit. That's in addition to 6% cash back at U.S. supermarkets on up to $6,000 in purchases per calendar year (and 1% after that), 3% back at U.S. gas stations, and 1% cash back on everything else (cash back is received in the form of Reward Dollars that can be redeemed as statement credits or at Amazon.com checkout).

You'll also get the following statement credits:

$7 monthly credit when paying for a Disney Bundle subscription costing $9.99 or more with your card**. This is up to $84 in annual value.

The Amex Blue Cash Preferred Card offers a 0% intro APR for 12 months on purchases and balance transfers from the date of account opening, before switching to a 19.24% - 29.99% Variable APR.

The Amex Blue Cash Preferred Card comes with a handful of travel and purchase protections as well. Cash back comes in the form of a statement credit or can be applied at Amazon.com checkout, so effectively you can use it to "erase" purchases.

American Express Blue Cash Preferred review

Best for Transit: Amex Green Card

Best for Bonus Points on Travel

American Express® Green Card

Insider’s Rating

4.2/5

Perks

Earn 1-3 points per dollar on purchases

Annual Fee

$150

Intro APR

N/A

Regular APR

See Pay Over Time APR

Intro Offer

Earn 60,000 points

Recommended Credit

Good to Excellent

Pros

Generous welcome bonus on par with pricier travel credit cards
3x bonus categories of travel, transit, and restaurants that rival the more-expensive Chase Sapphire Reserve
Reasonable annual fee compared to many other travel rewards cards

Cons

Annual statement credits with CLEAR and LoungeBuddy won't be useful to everyone
Maximizing the travel statement credit from the welcome bonus requires $1,000 in spending

Insider’s Take

Amex Green Card review External link Arrow An arrow icon, indicating this redirects the user."

The Amex Green Card has become a top option for earning Membership Rewards points on travel and dining, but it's also a great choice for commuters because its travel categories include subways, ferries, taxis, buses, trains, and even tolls and parking fees. And it's currently offering its highest welcome bonus offer ever: 60,000 points after you spend $3,000 on purchases in the first six months of card membership and earn 20% back on eligible travel and transit purchases, up to a total of $200 back, made during your first six months of card membership. However, this offer will only be available for a limited time, so this is your last chance to earn it.

You'll earn 3 points per dollar on all eligible travel, which includes everything from subway fares to hotels to flights. You'll earn 3 points per dollar on transit such as trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways. You'll also earn 3 points per dollar at restaurants worldwide. In terms of points-earning, this puts the Amex Green Card on par with the Chase Sapphire Reserve®, which also offers 3 points per dollar in these spending categories (when purchases are not made through Chase Travel℠).

Other benefits include up to $189 in statement credits toward CLEAR® Plus membership each year**, and up to $100 in statement credits per year toward LoungeBuddy purchases** (for airport lounge access).

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.

Amex Green card review

Great Bonus Categories for Families: Amex EveryDay® Preferred Credit Card

Great bonus categories for families

Amex EveryDay® Preferred Credit Card

Insider’s Rating

3.6/5

Perks

Earn 1-3 points per dollar on purchases, plus a 50% bonus for making at least 30 transactions in a billing cycle

Annual Fee

$95

Intro APR

0% intro APR on purchases and balance transfers (made in the first 60 days) for 12 months from the date of account opening

Regular APR

15.99% - 25.99% Variable

Intro Offer

15,000 points after you spend $2,000 on purchases in the first six months of account opening

Earn 15,000 points

Recommended Credit

Excellent

Pros

Strong rewards at US supermarkets
You can earn a 50% points bonus each billing period when you make at least 30 purchases

Cons

Annual cap on earning bonus rewards at US supermarkets
Not the best option for earning rewards outside of US supermarkets and US gas stations — especially if you don't make at least 30 purchases per billing statement to earn the bonus

Insider’s Take

Amex EveryDay® Preferred Credit Card review External link Arrow An arrow icon, indicating this redirects the user."

The Amex EveryDay® Preferred Credit Card is a strong option for anyone looking for a Membership Rewards card, but who's not interested in a premium card like the Platinum or the Amex Gold. It also has a strong points-earning scheme and a lower annual fee of $95.

The card earns 3 points per dollar spent at U.S. supermarkets (up to $6,000 each calendar year — 1 point per dollar after that), 2 points per dollar at U.S. gas stations, and 1 point per dollar on everything else. You can also get 2 points per dollar on reservations made through Amex Travel.

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.

The card also offers a 0% intro APR on purchases and balance transfers (made in the first 60 days) for 12 months from the date of account opening, before switching to a 15.99% - 25.99% Variable APR. If you have a big purchase coming up and want some time to pay it off, but don't want to pay interest fees, this is a great option.

Amex EveryDay Preferred card review

Best For No Annual Fee: Amex EveryDay® Credit Card

Best with no annual fee

Amex EveryDay® Credit Card

Insider’s Rating

3.8/5

Perks

Earn 2x Membership Rewards® Points at U.S. supermarkets (on up to $6,000 per year in purchases, then 1X). Earn 1X Membership Rewards® Points on all other purchases.

Earn 1-2 points per dollar on purchases.

Annual Fee

Intro APR

0% intro APR on purchases and balance transfers for 15 months from the date of account opening

Regular APR

12.99% - 23.99% Variable

Intro Offer

10,000 Membership Rewards® Points when you spend $1,000 in the first 3 months.

Earn 10,000 Membership Rewards® Points

Recommended Credit

N/A

Pros

20% points bonus when you make at least 20 purchases in a billing period
No annual fee
Access to Amex Offers

Cons

Limited bonus categories

Insider’s Take

Amex EveryDay Card review External link Arrow An arrow icon, indicating this redirects the user."

The Amex EveryDay® Credit Card is a no-annual-fee version of the Amex EveryDay® Preferred Credit Card — and it still offers solid rewards. It earns 2 points per dollar at U.S. supermarkets (again, up to $6,000 of purchases per calendar year, then 1 point per dollar after that) and at AmexTravel.com, and 1 point per dollar on everything else. It also offers 20% more points when you make 20 or more purchases in a billing period.

Like most Amex cards, it features a few travel and purchase protections, as well as access to the Amex Offers program.

While most people will be better off with the Amex Preferred, the Amex EveryDay card is still a strong option, especially since there's no annual fee.

Amex EveryDay credit card review

Best Card With an Intro APR Offer: Amex Blue Cash Everyday Card

Best card with an intro APR offer

Blue Cash Everyday® Card from American Express

On American Express's website

Insider’s Rating

3.5/5

Perks

Annual Fee

Intro APR

0% intro APR on purchases and balance transfers for 15 months from account opening

Regular APR

19.24% - 29.99% Variable

Intro Offer

$200 statement credit after you spend $2,000 in purchases on your new card in the first six months of card membership

Earn a $200 statement credit

Recommended Credit

Good to Excellent

Pros

Good bonus cash-back rate at U.S supermarkets
No annual fee.

Cons

If you spend more than $6,000 at U.S supermarkets in a year, you should use another card to earn bonus rewards once you hit that cap.

Insider’s Take

Amex Blue Cash Everyday Card review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
Terms Apply.