American Express Credit Cards
American Express Credit Cards with Good Reviews
With offers like those, it’s no secret why American Express is the top credit card issuer by purchase volume and the 6th largest in terms of cards in circulation. Roughly 50 million people had an Amex credit card as of 2018.
Below, you can compare the latest American Express credit card offers, read customer reviews and more. For additional insights, check out our editors’ picks for the best American Express credit cards right now.
0% for 15 months
Not Offered
14.74% - 24.74% (V)
annual fee
$0
rewards rate
1 - 3% Cash Back
Rewards Bonus
$200
Rewards Bonus
$200
Good Credit
Pros
- $0 annual fee
- $200 statement credit initial bonus offer
- Up to 3% cash back
Cons
- Spending caps on rewards
- No balance transfers allowed
- Foreign fee
- Requires good/excellent credit
Rewards Details
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
- 2% Cash Back at U.S. gas stations.
- 1% Cash Back on other purchases.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
- Terms Apply.
Additional Info
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each 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% for 15 months on purchases from the date of account opening, then a variable rate, 14.74% to 24.74%.
- No annual fee.
- See More Details & Reviews About Blue Cash Everyday® Card from American Express
Not Offered
Not Offered
See Pay Over Time APR
annual fee
$250
rewards rate
1 - 4 points / $1
Rewards Bonus
60,000 points
Rewards Bonus
60,000 points
Good Credit
Pros
- 60K bonus points (worth roughly $460) for spending $4K in the first 6 months
- 4 points per $1 spent at restaurants
- 4 points per $1 spent at U.S. supermarkets (up to $25K spent per year, then 1 point)
- 3 points per $1 spent on eligible flights
- No foreign transaction fee
Cons
- $250 annual fee
- Points worth less than 1 cent, on average
- Limited ability to carry a balance from month to month
Rewards Details
- Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
- Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com.
- $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.
- $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
- Terms Apply.
Additional Info
- Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- This American Express Card has no preset spending limit, giving you purchasing power that adjusts with your use of the card. No preset spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors including spending patterns, your payment history, your credit history, and financial resources known to us.
- See More Details & Reviews About American Express® Gold Card
0% for 12 months
Not Offered
14.74% - 24.74% (V)
annual fee
$0 intro 1st yr, $95 after
rewards rate
1 - 6% Cash Back
Rewards Bonus
$300
Rewards Bonus
$300
Good Credit
Pros
- $300 statement credit initial bonus offer
- Low intro APR on purchases
- High rewards rate
- No membership fees first year
Cons
- Membership fees in the second year
- Spending caps on rewards
- Above-average regular APR
- 2.7% foreign-transaction fee
Rewards Details
- Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- 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 and 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.
- Terms Apply.
Additional Info
- $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 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each 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% for 12 months on purchases from the date of account opening, then a variable rate, 14.74% to 24.74%
- See More Details & Reviews About Blue Cash Preferred® Card from American Express
Not Offered
Not Offered
See Pay Over Time APR
annual fee
$695
rewards rate
1 - 5 points / $1
Rewards Bonus
100,000 points
Rewards Bonus
100,000 points
Good Credit
Pros
- 100,000 bonus points offer
- Hundreds in annual credits
Cons
- $695 annual fee
- Limited financing capabilities
- No preset spending limit
Rewards Details
- Earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, 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 $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®.
- $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.
- $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
- American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
- $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.
- $300 Equinox Credit: Get up to $25 back each month on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card®. Enrollment required.
- $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
- Terms Apply.
Additional Info
- $695 annual fee.
- This American Express Card has no preset spending limit, giving you purchasing power that adjusts with your use of the card. No preset spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors including spending patterns, your payment history, your credit history, and financial resources known to us.
- See More Details & Reviews About The Platinum Card® from American Express
Not Offered
Not Offered
16.49% - 25.49% (V)
annual fee
$0
rewards rate
1 - 2 miles / $1
Rewards Bonus
10,000 miles
Rewards Bonus
10,000 miles
Good Credit
Pros
- No membership fees
- High rewards rate
- 10,000 miles initial rewards bonus
- No foreign fee
Cons
- No intro APR on purchases
- No balance transfers allowed
- Requires good/excellent credit
Rewards Details
- Earn 10,000 bonus miles after you spend $500 in purchases on your new Card in your first 3 months.
- Earn 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
- Earn 2X Miles per dollar spent on Delta purchases, and 1X Mile on all other eligible purchases.
- Pay with Miles: take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
- Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
- Terms Apply.
Additional Info
- No Annual Fee.
- No Foreign Transaction Fees.
- See More Details & Reviews About Delta SkyMiles® Blue American Express Card
Not Offered
Not Offered
16.49% - 25.49% (V)
annual fee
$0 intro 1st yr, $99 after
rewards rate
1 - 2 miles / $1
Rewards Bonus
40,000 miles
Rewards Bonus
40,000 miles
Good Credit
Pros
- Good initial bonus offer
- Up to 2 miles / $1 spent
- Free checked bags
- No fee the first year ($99 after)
Cons
- High APR
Rewards Details
- Earn 40,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months.
- Enjoy your first checked bag free on Delta flights.
- Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
- Earn 1X Mile on all other eligible purchases.
- $100 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, receive a Credit to use toward future travel.
- Terms Apply.
Additional Info
- Enjoy a $0 introductory Annual Fee for the first year, then $99.
- See More Details & Reviews About Delta SkyMiles® Gold American Express Card
Not Offered
Not Offered
16.49% - 25.49% (V)
annual fee
$0
rewards rate
3 - 7 points / $1
Rewards Bonus
80,000 points
Rewards Bonus
80,000 points
Good Credit
Pros
- 80,000 points initial bonus offer
- 3 - 7 points per $1 spent
- $0 annual fee
- Automatic Silver status
Cons
- High APR
- Low-value points
Rewards Details
- Earn 80,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership.
- Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
- Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
- Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
- Terms Apply.
Additional Info
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- No Annual Fee.
- See More Details & Reviews About Hilton Honors American Express Card
American Express Credit Card Reviews
What's Your Rating?
Would recommend this American Express product.
Want problems use this get this card
Questions & Answers
Get answers to your questions about American Express Credit Card Reviews below. For more general questions, visit our Answers section.
- Most Popular
- Most Upvotes
How do American Express cards work?
American Express credit cards work just like any other card – with the sole exception that American Express has its own payment network, so it is not affiliated with either Visa or Mastercard. Just like any other card, Amex cards give you a convenient way to borrow money to pay for your purchases. They offer regular credit cards, giving you the option to pay for your purchases over several months, and they also offer charge cards, which require you to pay your balance in full at the end of each month. You can use American Express cards to pay for purchases online, over the phone or in person. Hope this helps!
Do you have to pay off an American Express card every month?
You don't have to pay off all American Express cards every month. Most Amex credit cards allow you to carry a balance from month to month, requiring only a monthly minimum payment to keep your account in good standing. That's the case with the Blue Cash Preferred® Card from American Express and Blue Cash Everyday® Card from American Express, for example, as well as the The Amex EveryDay® Credit Card from American Express and others. Some even offer 0% introductory APRs.
On the other hand, you do have to pay some American Express cards in full every month. That includes The Platinum Card® from American Express, American Express® Gold Card and American Express® Green Card. But there are exceptions. If you have one of those cards and use it responsibly, American Express may offer to let you pay for certain purchases over time. Interest will apply to such purchases, though, at a rate that won't be disclosed until Amex extends an offer.
You can check out WalletHub's review of the best American Express credit cards to find a good option for carrying a balance. Just don't expect to find a low regular APR. American Express credit cards are known more for rewards than low rates.
What makes American Express different?
What makes American Express different is that it is both a card issuer and a card network. Unlike card issuers such as Chase or Bank of America and card networks such as Visa or Mastercard, American Express serves both the role of servicing accounts and processing transactions. Amex also charges higher interchange fees, better known as swipe fees, than the other major card networks.
On another note, American Express credit cards are unusual in that they're geared toward individuals who have a high net worth. Similarly, while many card issuers offer credit cards to people of all credit levels, American Express only accepts applicants that have good or excellent credit scores. Also unlike most major credit card companies, Amex issues charge cards, which must be paid in full each month.
Finally, American Express credit cards used to be accepted at far fewer merchants in the United States than Visa or Mastercard cards. This is no longer the case, as Amex is now accepted by practically every U.S. merchant that takes credit cards. However, it is still far behind Visa and Mastercard when it comes to international acceptance.
How high are American Express credit limits?
There is no way to know how high American Express credit limits are. You won't know your American Express credit limit until you're approved for an account. American Express does not disclose a minimum credit limit in their cards' terms and conditions, unlike some other major issuers. All Amex says is that your credit limit depends on your credit history, debt level, income, and payment history on other American Express cards.
One way to estimate what credit limit you might get on an American Express card is to read customer reviews of the card. People will often post what limit they received, sometimes with their credit score and income. On Amex cards for good credit, people seem to report starting with limits of $1,000-$5,000 most often. But you should take any of these numbers with a grain of salt. Just because someone with a similar credit score or income got a certain limit, it doesn't mean you will, too.
Is an American Express card good to have as a first credit card?
An American Express card is not an ideal option for a first credit card.
There are better options out there since your goal should be to find a card that does not charge an annual fee. If you have an active college email address, we recommend comparing our editor's picks for the best student credit cards. If not, the Capital One Platinum Card and the Capital One Secured Card both are excellent options.
You can find out more about them and apply for one here.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.