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American Express Credit Cards for Excellent Credit
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AMERICAN EXPRESS CREDIT CARDS FOR EXCELLENT CREDIT
General Consumer
Excellent Credit
Excellent Credit
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Blue Cash Everyday® Card from American Express Blue Cash Everyday® Card from American Express
Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3% (min $5)
Regular APR
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18.24% - 29.24% (V)
WalletHub's Take: The American Express Blue Cash Everyday Card is a good credit card for people with a 700+ credit score. Amex Blue Cash Everyday is especially worthwhile for applicants who want a $0 annual fee and bonus rewards on U.S. supermarket, U.S. gas station and U.S. online retail purchases. The Blue Cash Everyday Card also offers 0% introductory APRs and a $200 statement credit for spending $2,000 in the first 6 months.
Read our editor's full Amex Blue Cash Everyday review.
Pros
- $0 annual fee
- Good welcome bonus offer
- High rewards rate
Cons
- Spending caps on rewards
- 2.7% foreign transaction fee
- Balance transfer fee
American Express® Gold Card American Express® Gold Card
Rates & Fees | Terms Apply
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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20.24% - 27.24% (V)
WalletHub's Take: The American Express® Gold Card is a good card that is worthwhile for people with good credit or better who are heavy spenders. Amex Gold provides rewards rates that are above the market average in addition to a welcome offer of 60,000 points for spending $4,000 in the first 6 months after opening an account.
Read our editor's full Amex Gold card review.
Pros
- 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
The Platinum Card® from American Express The Platinum Card® from American Express
Rates & Fees | Terms Apply
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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See Pay Over Time APR
WalletHub's Take: The Platinum Card® from American Express is a very good card for high-spending frequent travelers with credit scores of 700+. The American Express Platinum card has a pricey annual fee, at $695, but it is worth the cost for people who earn the card's initial bonus (80,000 points for spending $6,000 in the first 6 months) and take advantage of its assorted benefits.
Read our editor's full American Express Platinum card review.
Pros
- 80,000 points offer
- Hundreds in annual credits
Cons
- $695 annual fee
- Limited financing capabilities
- No preset spending limit
Blue Cash Preferred® Card from American Express Blue Cash Preferred® Card from American Express
Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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0% for 12 monthsTransfer Fee: 3% (min $5)
Regular APR
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18.24% - 29.24% (V)
Annual Fee
$0 intro 1st yr, $95 after
Rewards Rate
1 - 6% Cash Back
Minimum Credit
Good
Terms Apply
Apply Now
WalletHub's Take: The Blue Cash Preferred® Card from American Express is one of the best cash back credit cards on the market and easily worth its annual fee of $95 from the second year on. Amex Blue Cash Preferred is especially good for people with a 700+ credit score who spend a lot on groceries at U.S. supermarkets, U.S. streaming services, transit, and U.S. gas station purchases.
Read our editor's full Blue Cash Preferred review.
Pros
- $250 statement credit initial bonus offer
- Low intro APR on purchases and balance transfers
- High rewards rate
Cons
- Annual fee starting second year
- Above-average regular APR
- 2.7% foreign-transaction fee
Hilton Honors American Express Card Hilton Honors American Express Card
Rates & Fees | Terms Apply
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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19.99% - 28.99% (V)
WalletHub's Take: The Hilton Honors American Express Card is a good credit card for travelers with good credit or better who like staying at Hilton hotels but not enough to get a hotel credit card with an annual fee. The Hilton Honors Credit Card has no annual fee, no foreign transaction fee, and no shortage of rewards points.
Read our editor's full Hilton Credit Card review.
Pros
- 80,000 Hilton Honors Bonus Points welcome offer
- 3 - 7 points per $1 spent
- $0 annual fee
- Automatic Silver status
Cons
- High APR
- Low-value points
Marriott Bonvoy Brilliant® American Express® Card Marriott Bonvoy Brilliant® American Express® Card
Rates & Fees | Terms Apply
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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19.99% - 28.99% (V)
WalletHub's Take: The Marriott Bonvoy Brilliant® American Express® Card is a good hotel rewards credit card for frequent Marriott guests who like to travel in luxury and have a good or excellent credit score. Despite its $650 annual fee, high-spenders can easily get their money’s worth from the card’s generous rewards and other benefits.
Read our editor's full Marriott Bonvoy Brilliant review.
Pros
- High rewards rate
- 95,000 Marriott Bonvoy bonus points welcome offer
- No foreign fee
- Reports to the three major credit bureaus
Cons
- High membership fees
- No intro APR on purchases
- No balance transfers allowed
- Requires good/excellent credit
Delta SkyMiles® Reserve American Express Card Delta SkyMiles® Reserve American Express Card
Rates & Fees | Terms Apply
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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19.99% - 28.99% (V)
WalletHub's Take: The Delta Reserve Credit Card is a co-branded Amex card that’s best for big-spenders who want airport lounge access when they fly. Delta Reserve has a $550 annual fee, but it gives complimentary access to Delta Sky Club lounges as well as The Centurion Lounge by American Express. The comfort that the Delta Reserve Amex gives air-travelers also extends beyond airport lounges and includes your first checked bag free, priority boarding, and a 20% statement credit for in-flight purchases when flying with Delta. Plus, cardholders will now get a statement credit for the Global Entry or TSA PreCheck application fee, should they decide to apply.
Read our editor's full Delta Reserve Credit Card review.
Pros
- Solid initial bonus offer
- Delta Sky Club and Centurion Lounge access
- Good ongoing rewards for Delta loyalists
- Rebates, credits & perks for travelers
- No foreign fees
Cons
- High annual fee
- Not for light-spenders
- Must fly Delta to maximize perks
Delta SkyMiles® Platinum American Express Card Delta SkyMiles® Platinum American Express Card
Rates & Fees | Terms Apply
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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19.99% - 28.99% (V)
WalletHub's Take: The Delta Platinum Amex Card is a good airline credit card for people who travel a lot and always fly Delta. Although Amex Delta Platinum has a $250 annual fee, the card’s many benefits can make it worth the cost for frequent flyers. That is especially true for cardholders who spend $3,000 within 6 months of opening an account, travel with a companion at least once per year and count dining, Delta airfare and hotel reservations among their top expenses.
Read our editor's full Amex Delta Platinum review.
Pros
- Valuable initial bonus offer
- Perks for Delta loyalists
- No foreign fee
Cons
- High membership fees
- No intro APR on purchases
- No balance transfers allowed
- Requires good/excellent credit
Delta SkyMiles® Gold American Express Card Delta SkyMiles® Gold American Express Card
Rates & Fees | Terms Apply
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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19.99% - 28.99% (V)
Annual Fee
$0 intro 1st yr, $99 after
Rewards Rate
1 - 2 miles / $1
Minimum Credit
Good
Terms Apply
Apply Now
WalletHub's Take: The Delta SkyMiles® Gold American Express Card is a good credit card for Delta loyalists, especially the first year. The Delta SkyMiles Gold Amex has a great initial bonus offer, has a $0 intro annual fee the first year, and gives you at least one free checked bag every time you fly – just to name a few of its perks. But things aren’t as clear-cut for folks who don’t always fly Delta or for everyone from the second year on.
Read our editor's full Delta Gold Card review.
Pros
- Good initial bonus offer
- Up to 2 miles / $1 spent
- Free checked bags
- $0 intro annual fee the first year ($99 after)
Cons
- High APR
Delta SkyMiles® Blue American Express Card Delta SkyMiles® Blue American Express Card
Rates & Fees | Terms Apply
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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19.99% - 28.99% (V)
WalletHub's Take: The Delta SkyMiles® Blue American Express Card is a no-annual-fee rewards card that’s best for people with good credit or better who want to save extra at restaurants and on Delta flights. The Blue SkyMiles Card gives 2 miles per $1 in eligible restaurant and Delta purchases, compared to 1 mile per $1 on all other purchases. New cardholders who spend $1,000 in the first 6 months after opening an account also earn 10,000 miles, worth roughly $129 in Delta airfare, per our calculations. Plus, the Blue Delta SkyMiles Credit Card provides a 20% statement credit after eligible in-flight purchases: food, beverages and headphones.
Read our editor's full Blue Delta SkyMiles Credit Card review.
Pros
- No membership fees
- High rewards rate
- 10,000 miles welcome offer
- No foreign fee
Cons
- No intro APR on purchases
- No balance transfers allowed
- Requires good/excellent credit
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Questions & Answers
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