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The best American Express cards — How many do you have?

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The best American Express cards — How many do you have?

Meghan HunterThe best American Express cards — How many do you have?Million Mile Secrets Team

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American Express has a range of cards that offer huge welcome bonuses, elite status with hotels, valuable Amex Offers and more. Each card, however, comes with its own mix of benefits and perks, which can make it hard to choose the best one for you.

If you regularly pay cash for flights, for example, earning 5x Membership Rewards points per $1 spent with The Platinum Card® from American Express is a great option. Or, if you are looking to pad the bank account, earning 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%) with the Blue Cash Preferred® Card from American Express could be a lucrative decision.

We’ve ranked our favorite American Express cards by category so you can pick the best travel credit card for your financial goals.

The best American Express credit cards

Here’s a breakdown of each card’s bonus, annual fee and a link to the review:

Card nameAnnual feeWelcome bonus & minimum spending requirementsOur review
The Platinum Card® from American Express$550 annual fee (see rates & fees)60,000 AMEX Membership Rewards points after spending $5,000 on purchases within the first three months of account opening. Terms Apply.AMEX Platinum review
Blue Cash Preferred® Card from American Express$95 annual fee (see rates & fees) Earn a $250 statement credit after spending $1,000 on purchases within the first three months of account opening. Terms Apply.AMEX Blue Cash Preferred review
The Business Platinum® Card from American Express$595 annual fee (see rates & fees) Up to 100,000 AMEX Membership Rewards points after meeting tiered minimum spending requirements. 50,000 bonus points after spending $10,000 on qualifying purchases in the first three months. Plus, an extra 50,000 bonus points after spending an additional $15,000 on qualifying purchases in the same time frame. Terms Apply.AMEX Business Platinum review
The Blue Business® Plus Credit Card from American ExpressNo annual fee (see rates & fees)NoneAmex Blue Business Plus review
American Express®️ Green Card$150 annual fee (see rates & fees) Receive up to $100 in statement credits toward any eligible purchase from Away. Offer ends January 15, 2020. Plus, earn 30,000 Amex Membership Rewards® Points after you spend $2,000 on purchases in your first three months of account opening. Terms apply.Amex Green card review
American Express® Gold Card$250 annual fee (see rates & fees) 35,000 Amex Membership Rewards® points after spending $4,000 in purchases in the first 3 months of account opening. Terms ApplyAmex Gold card review
Want to visit the beautiful British Virgin Islands? Several of our favorite American Express cards can help get you there. (Photo by cdwheatley/iStock.)

The Platinum Card® from American Express

Bonus

With The Platinum Card® from American Express, you can earn 60,000 Membership Rewards points after spending $5,000 on purchases within the first three months of opening your account.

Ongoing earnings

  • 5 Membership Rewards points per dollar spent on airfare (booked either directly with the airline or through Amex Travel)
  • 5 Membership Rewards points per dollar spent on prepaid hotels booked on Amex Travel
  • 1 Membership Rewards point per dollar on everything else
  • Terms apply

The 5x Membership Rewards points you’ll earn on flights booked directly with the airlines and on prepaid hotels booked through Amex Travel is the highest earning rate for flights of any credit card.

Benefits

With the Amex Platinum, you’ll also get perks like:

  • Up to $200 in Uber credits annually
  • Up to $200 annual airline-fee credit
  • $100 Global Entry credit
  • Airport lounge access
  • Elite car rental status with Avis, Executive status with National Car Rental and Gold Plus Rewards with Hertz
  • Free Hilton Honors and Marriott Gold elite status (free breakfast and upgrades when available)
  • Terms apply

For information on lounges at your home airport or favorite airport, check out this post on how to find Amex Platinum airport lounges.

Annual fee

The card has a $550 annual fee, which is not waived (see rates & fees). If you use the perks and credits, you’ll easily come out ahead and find the annual fee worth it.

Amex Platinum bottom line

The Amex Platinum is useful for anyone looking to earn a nice stash of Amex Membership Rewards points, especially if you can make the most of the card’s perks. You’ll find our full review of the Amex Platinum card here.

Apply here for The Platinum Card from American Express

Blue Cash Preferred® Card from American Express

Bonus

The Blue Cash Preferred Card from American Express comes with a $250 statement credit after spending $1,000 on purchases in the first three months of opening your account.

Ongoing earnings

With the Blue Cash Preferred Card from American Express, you’ll earn:

  • 6% cash back at U.S. supermarkets (up to $6,000 in purchases per year, then 1%)
  • 6% cash back on select U.S. streaming subscriptions
  • 3% cash back at U.S. gas stations and transit
  • 1% cash back on everything else

Benefits

In addition to the $200 welcome bonus, the Amex Blue Cash Preferred comes with benefits and perks like:

  • Free two-day shipping from over 140 online stores with a complimentary ShopRunner membership
  • Extended warranty protection (one additional year) on purchases with a manufacturer’s warranty of five years or less
  • 90-day return protection on purchases made in the U.S. or U.S. territories (up to $300 per item and $1,000 per calendar year)
  • Roadside assistance hotline for arranging services like tow trucks (the card does not pay for the services, but will help you arrange them)
  • Car rental loss and collision coverage (secondary coverage only, liability coverage is not included)

Annual fee

The $95 annual fee is not waived the first year (see rates & fees).

Foreign transaction fees

The card adds foreign transaction fees (see rates & fees).

Amex Blue Cash Preferred bottom line

For folks who regularly spend at U.S. supermarkets and gas stations and on transit, this card could provide some serious cash back. You can read more about the card in our Amex Blue Cash Preferred review.

Apply here for the Blue Cash Preferred Card from American Express

Redeem cash back for any purchase, like cruises, with the Amex Blue Cash Preferred Card. (Photo by

The Business Platinum® Card from American Express

Bonus 

You’ll earn the Amex Business Platinum card’s full bonus after meeting these tiered spending requirements:

  • Earn 50,000 Amex Membership Rewards points after you spend $10,000 on purchases in the first three months from account opening. Terms apply.
  • Earn another 50,000 Amex Membership Rewards points after you spend an additional $15,000 on qualifying purchases within the same timeframe. Terms apply.

That brings the total bonus to 100,000 Amex Membership Rewards points. The main reason we don’t rank this higher is because you have to spend $25,000 to earn the full bonus. If that’s not a problem for you, you’re going to love this business card.

Ongoing earnings

With the Amex Business Platinum card you’ll earn:

  • 1.5x Amex Membership Rewards points on single purchases of $5,000+ (up to 1 million additional points per calendar year)
  • 5x Amex Membership Rewards points when you book airfare or prepaid hotels through the Amex travel portal
  • 1x Amex Membership Rewards points on all other purchases

The ability to earn 5x Amex points on airfare or prepaid hotels is the best earning rate for those categories for any small-business credit card.

Benefits

And the card comes with lots of perks, including:

  • 35% of your points back for all first-class or business-class flights booked through the Amex travel portal using Pay With Points
  • 35% of your points back for all flights, including coach tickets, booked with your selected airline through the Amex travel portal using Pay With Points (up to 500,000 points per calendar year)
  • Up to $200 in statement credits per calendar year for airline incidentals with your selected airline (luggage fees, inflight food and drink, etc.)
  • Up to $200 annual Dell statement credit ($100 from January to June, $100 from July to December)
  • Ability to book hotel stays through Amex Fine Hotels & Resorts
  • Amex Platinum Concierge
  • Amex Premium roadside assistance
  • Access to airport lounges (Delta, Priority Pass, Airspace, Escape and American Express Centurion Lounges)
  • Bonus points or statement credits when taking advantage of an Amex Offer
  • Elite car rental status with Avis, Executive status with National Car Rental and Gold Plus Rewards with Hertz
  • Free Hilton Honors Gold elite status (free breakfast and upgrades when available)
  • Free Marriott Bonvoy Gold Elite status
  • 10 free Gogo inflight Wi-Fi passes each calendar year
  • Statement credit for Global Entry or TSA PreCheck
  • Terms and limitations apply

Annual fee 

The Amex Business Platinum annual fee is $595 and it is not waived for the first year (see rates and fees). This is a hefty fee, but it can certainly make sense for those who are able to make the most of the card’s benefits and perks.

Amex Business Platinum bottom line

This is a “platinum” card that is actually worthy of the name. It is always a strong pick, especially for frequent travelers, because it is easy to offset the annual fee with the welcome bonus, perks and benefits.

If you can take full advantage of the many statement credits and lounge access it can be easy to justify the annual fee.

Here’s our review of the Amex Business Platinum card.

Apply here for The Business Platinum® Card from American Express

The Blue Business® Plus Credit Card From American Express

Bonus

This card isn’t offering a bonus at the moment. But having a no-annual-fee Amex card (see rates & fees) that earns 2x points per $1 on $50,000 in purchases per year is an excellent deal. Similar no-annual-fee small-business cards have a lower earning rate.

Ongoing earnings

The Amex Blue Business Plus card comes with:

  • 2 Amex Membership Rewards points per $1 on the first $50,000 in purchases per calendar year (then 1x Membership Rewards point per $1 on all purchases)
  • No annual fee
  • Terms apply

Benefits

Although the Amex Blue Business Plus is a credit card with a set credit limit, Amex offers the ability to spend above your limit. This is helpful for small-business owners with a large upcoming purchase.

Cardholders will also get access to perks like:

  • Amex Offers
  • Free employee cards
  • Extended warranty
  • Car rental loss and damage insurance
  • Baggage insurance
  • Purchase protection
  • Travel accident insurance
  • Free Shoprunner membership

Annual fee

The card has no annual fee.

Amex Blue Business Plus bottom line

With the no-annual-fee Amex Blue Business Plus card you’ll earn 2 Amex Membership Rewards points per $1 on the first $50,000 in purchases per year (1x Membership Rewards point per $1 on all purchases after that).

If you spend the maximum, you could earn 100,000 Amex Membership Rewards points per year. That’s a great deal for a card with no annual fee. I plan to keep mine forever to have a card that delivers bonus points without thinking about bonus categories. For more detailed information, check out our full Amex Blue Business Plus review.

Apply here for The Blue Business Plus Credit Card from American Express

American Express® Green Card

Bonus

Through Jan. 15, 2020, you can receive up to $100 in statement credits toward any eligible purchase from Away. This credit can help cover the purchase of Away’s luggage, from carry-on bags with batteries to keep your devices charged to stylish backpacks and weekender bags.

You can also earn 30,000 Membership Rewards points after you spend $2,000 on purchases on your new Amex Green Card in your first three months.

Ongoing earnings

  • 3x Membership Rewards points on travel
  • 3x Membership Rewards points on worldwide restaurant purchases
  • 1x Membership Rewards point on everything else
  • Terms apply

Benefits

Along with the good earnings rate on travel purchases, cardholders will get perks like up to $100 in yearly statement credits when you use your Amex Green card to pay for a CLEAR membership. Plus, up to $100 in LoungeBuddy statement credits per year. For frequent travelers, benefits like these can certainly make your flying experience a better one.

The Amex Green card is a great choice for travel purchases like hotels and subways. (Photo by Wyatt Smith/The Points Guy)

Annual fee

$150 (see rates & fees)

Amex Green card bottom line

The new Amex Green Card has some unique benefits that can save you time and money on your travels. The card does carry an annual fee of $150, but if you’re able to take advantage of the card’s benefits throughout the year, you can easily come out ahead. You can read our full review of the Amex Green card here.

Apply here for the American Express® Green Card

American Express® Gold Card

Bonus

The American Express® Gold Card has a welcome bonus of 35,000 Amex Membership Rewards points when you spend $4,000 on purchases in the first three months of account opening.

Ongoing earnings

With this card, you’ll get:

  • 4 Amex Membership Rewards points per dollar at restaurants
  • 4 Amex Membership Rewards points per dollar at US supermarkets, on up to $25,000 per calendar year in purchases (then 1X)
  • 3 Amex Membership Rewards points per dollar on flights booked directly with airlines or on Amextravel.com
  • Terms apply

Benefits

You’ll also get benefits and perks like:

  • Up to $120 dining credit ($10 monthly) each year at participating restaurants (enrollment required)
  • Up to $100 airline incidental fee credit each calendar year on your selected airline
  • No foreign transaction fees (see rates and fees)
  • Terms apply

Annual fee

There’s a $250 annual fee (see rates and fees), but the credits you’ll earn will help offset most of that cost.

Amex Gold bottom line

With the Amex Gold’s earnings rates and perks, this card has essentially become one of the best cards for foodies. Plus, the $250 annual fee is quickly covered when you eat out and shop for groceries in the US and account for the value of the statement credits you can earn.

Apply here for the American Express® Gold Card

The best American Express card for your wallet depends on your travel and financial goals. Lots of Million Mile Secrets readers have more than one of these cards because American Express cards offer lucrative welcome bonuses and terrific everyday spending categories, which can have you on your way to a vacation in no time at all.

For rates and fees of the Amex Green card, click here.

For rates and fees of the Blue Business Plus Card, please click here.
For rates and fees of the Amex Platinum Card, please click here.
For rates and fees of the Blue Cash Preferred Card, please click here.
For rates and fees of the Amex Business Platinum Card, please click here.                                                                                                                                             
For rates and fees of the American Express® Gold Card, please click here.

The Platinum Card® from American Express

The Platinum Card® from American Express

  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
Terms Apply | Rates & Fees

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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Ooops! The table is cut off on the right, and does not slide on my phone. I just saw another post where the table does slide, so I thought those woes were over! I’ll let you know which post that was in a moment. – beta tester Karey 🙂

Hi Karey – We’re working to get this fixed across all posts – bit of a process! Thanks for letting us know!

Love the Amex Plat card with the SPG gold status

My favorite card is the SimplyCash Plus Business Credit Card Amex because of the cash back, it has saved my business a lot of money.

I love the AMEX EveryDay

I do that have any MR-earning AMEX cards yet but I’m keeping my eyes open for a higher bonus on the Platinum cards. I was once targeted for the 100k bonus but had to pass it up since it didn’t align with my travel plans. Better luck next time!

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