American Express credit cards are among the most prestigious on the market. American Express (a WalletHub partner) has traditionally been known for charge cards and other credit cards with rewards, but the company now offers a variety of cards suitable for different types of usage. Some American Express cards offer 0% introductory APRs. Many Amex cards have $0 annual fees, too.
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.
Earn 80,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
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 with American Express Travel when you pay with your Platinum Card®.
$240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, The New York Times, and other participating providers. 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. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
$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 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.
$300 Equinox Credit: Get up to $300 back each year on an Equinox+ subscription, or any Equinox club memberships when you pay with your Platinum Card. Enrollment required. Learn more.
$189 CLEAR® Credit: Breeze through security with CLEAR® Plus at 45+ airports nationwide and get up to $189 back per year on your membership (subject to auto-renewal) when you use your Card.
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.
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%.
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 in purchases, then 1%.
Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
Terms Apply.
Additional Info
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, 18.74% to 29.74% variable APR.
60K 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 of Card Membership.
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: Satisfy your cravings and 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, Milk Bar and select Shake Shack locations. Enrollment required.
Terms Apply.
Additional Info
Choose the color that suits your style. Gold or Rose Gold.
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.
Earn a $250 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.
Get $7 back each month after using your Blue Cash Preferred Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
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 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% for 12 months on purchases from the date of account opening, then a variable rate, 18.74% to 29.74%
Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 04/05/2023.
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts 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.
Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 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.
Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6 months.
Enjoy your first checked bag free on Delta flights.
New: Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
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.
Want even more flexibility? 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 on eligible Delta in-flight purchases after using your Card.
Terms Apply.
Additional Info
Enjoy a $0 introductory Annual Fee for the first year, then $99.
No Foreign Transaction Fees.
With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
I had a reoccurring charge on my credit card that has not been resolved. I asked American Express to please dispute the charge. They said I must contact the merchant. I asked them to please cancel my card and re-issue a card as I am going through this dispute I also believe that my card was compromised. The customer service rep said even if they re-issue me a new card with the last four numbers, being the same any reoccurring charges would still be billed in the future to my card. Very poor customer service. I don’t understand why they even have customer service if they won’t issue a dispute and I have to do all of this myself. Discover has much better customer service. I have for American Express account. All of them will get closed.
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mysterb @mysterb
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5 Star Rating
Verified Customer
Great credit card to have. Don’t ever live without AMEX. It's very powerful credit card to have on you. I have tree AMEX and like them all.
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r_a_krueger @r_a_krueger
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1 Star Rating
I have been a customer with AMEX since 2011 and can no longer recommend them to anyone. I have been dealing with a nightmare where $12,000 was stolen by a small business 1.5 years ago and AMEX still has not issued me a refund for this. This issue should have been resolved over a year ago and I am very disappointed in AMEX for not putting the customer first. I cannot recommend them to anyone anymore until this issue is resolved!
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sekulaenvser @sekulaenvser
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1 Star Rating
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Horrible card, our business signed up for this card service and it was the worst ever. We were able to use the card that day for about $80 but then when we went back to lowes the next few days we were told the temp card wouldn't work and we did not have an account. 60 days later we were still not issued business credit cards but did receive a bill with a $74 late fee. The balance was immediately paid in full since we did not want to deal with this horrible service ever again. 90 days later I just received a bill with $1.64 interest charge and a new balance of $1.64, when I called it was told that there was 'Trailing intrest" on this account. We still never received cards and are being told by Lowes we do not have an account. The account that doesn't exist was closed today. This is the worst experience we have ever had with a credit card company. As a contractor we would have been a medium sized corporate account with incentives to deal with Lowes. Based on this experience we opened a Home Depot account instead.
A Valuable card. All of my grocery expenses,gas,streaming, and offers go on this and I pay the balance every 2 wks. This is my operating card. Love it.
this card is awesome, nothing like saving 6 percent on groceries in todays high price world, not to mention the balance transfer for 12 months interest free.
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lesliewright41 @lesliewright41
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3 Star Rating
Verified Customer
To much upfront charge, it has a payment plan that works or you can split your payments in three easy ways., you can’t use this card at Costco
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Arthur @oskmerlin
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5 Star Rating
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Thx for all the great support this card has provide an all the ups sides u really enjoy it to the full stend of the word and i hope to use it even more
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ANTHONY @zimbalist_bookert54
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5 Star Rating
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I’m an American Express Gold card holder ,Very satisfied with American Express excellent line of financial products, and the customer service is first class, I would recommend them to anyone
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Melissa @matresem
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4 Star Rating
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It's a decent card with a great credit line, but the cashback is lacking in comparison to a couple of my other cards. If they had a merchant offer, great! However, they offer 1.5% cashback with minimum redemption amounts (I don't think you have to redeem exact multiples), but Citi Double Cash eliminated their minimum redemption and SoFi Credit Card never had a minimum redemption. Personally, I'd rather get 2 percent back with no minimum redemption threshold.
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Review American Express Credit Card Reviews
Questions & Answers
Get answers to your questions about American Express Credit Card Reviews below. For more general questions, visit our Answers section.
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!
No, you don't have to pay off all American Express card 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. Some even offer 0% introductory APRs. That's the case with some of the best American Express credit cards like:
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. All information about the American Express Cash Magnet® Card has been collected independently by WalletHub. The American Express Cash Magnet® Card is no longer available to new applicants through WalletHub, but may be available on the American Express website.
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.
There is no way to know how high American Express credit limits are as Amex doesn't disclose this information in their cards' terms and conditions. Your credit limit will depend on your credit history, debt level, income, and payment history on other American Express cards. So, you won't know your American Express credit limit until you're approved for an account.
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. 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.
The American Express annual fee is $0 to $695, depending on the card. If an Amex credit card has an annual fee, it gets charged to the card when the account is opened and again every year during the month of the card's anniversary. The higher the card's annual fee is, the more rewards and benefits it's likely to offer, but there are still plenty of worthwhile cards with $0 annual fees.
Whether you should get an American Express card with an annual fee depends on your spending preferences. If you're a light spender, you'll likely want to avoid a fee. But if you spend a lot, you'll probably find the more expensive cards to be more lucrative in the long run.
*All information about the American Express Cash Magnet® Card has been collected independently by WalletHub. The American Express Cash Magnet® Card is no longer available to new applicants through WalletHub, but may be available on the American Express website.
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.
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