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American Express Credit Cards for March 2024

American Express offers many credit cards for all kinds of consumers, including some of the best reward and travel credit cards.

  • CNET'S PICK
    CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
    8/10
    Annual Fee $0 intro annual fee for the first year, then $95.
    Rewards Rate
    1% - 6% 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 on transit including taxis/rideshare, parking, tolls, trains, buses and more; 3% Cash Back at U.S. gas stations; 1% Cash Back on other purchases
    Intro offer available Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
    5.5/10
    Annual Fee $0
    Rewards Rate
    1% - 3% 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%.; 1% Cash Back on other purchases
    Intro offer available Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
    8/10
    Annual Fee $695
    Rewards Rate
    5x - 5x 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.; Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
    Intro offer available Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.
  • CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
    7.5/10
    Annual Fee $250
    Rewards Rate
    3x - 4x Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.; 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.
    Intro offer available Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
    8/10
    Annual Fee $350
    Rewards Rate
    1x - 3x Earn 3X Miles on Delta purchases and purchases made directly with hotels.; Earn 2X Miles at restaurants worldwide, including takeout and delivery in the U.S. and at U.S. supermarkets.; Earn 1X Miles on all other eligible purchases.
    Intro offer available Earn 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months.
  • CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
    7.25/10
    Annual Fee $0 introductory annual fee for the first year, then $150.
    Rewards Rate
    1x - 2x Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery in the U.S., and at U.S. supermarkets.; Earn 1X Mile on all other eligible purchases.
    Intro offer available Earn 70,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months.
  • CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
    6.5/10
    Annual Fee $650
    Rewards Rate
    1x - 3x Earn 3X Miles on Delta purchases. ; Earn 1X Miles on all other eligible purchases.
    Intro offer available Earn 100,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months.
  • CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
    4.5/10
    Annual Fee $0
    Rewards Rate
    1x - 2x 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.; Earn 1X Mile on all other eligible purchases.
    Intro offer available Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
  • CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
    7.5/10
    Annual Fee $250
    Rewards Rate
    2x - 6x Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.; Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).; Earn 2X points on all other eligible purchases.
    Intro offer available Earn 155,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
  • CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
    7/10
    Annual Fee $650
    Rewards Rate
    2x - 6x Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®; 3X points at restaurants worldwide and on flights booked directly with airlines; 2X points on all other eligible purchases
    Intro offer available Earn 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
  • CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
    5.5/10
    Annual Fee $0
    Rewards Rate
    3x - 7x Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.; Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.; Earn 3X Points for all other eligible purchases on your Card.
    Intro offer available 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 4/17/24.
  • CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
    7.5/10
    Annual Fee $150
    Rewards Rate
    3x - 12x Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.; Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.; Earn 4X Points for each dollar on U.S. Online Retail Purchases.; Earn 3X Points for all other eligible purchases on your Card.
    Intro offer available Earn 155,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.
  • CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
    6.5/10
    Annual Fee $450
    Rewards Rate
    3x - 14x Earn 14X Hilton Honors Bonus Points when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio.; Earn 7X Hilton Honors Bonus Points for eligible purchases: on flights booked directly with airlines or amextravel.com, on car rentals booked directly from select car rental companies & at U.S. restaurants.; Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
    Intro offer available Earn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you use your new Card to make $4,000 in eligible purchases within the first 3 months of Card Membership.

All credit cards on this best list are researched and hand-picked by the CNET editorial staff. We regularly consult and work with personal finance experts to make sure our advice is accurate and informed, but those experts are not involved in our best list selection process.

All information about the Blue Cash Preferred Card from American Express, Blue Cash Everyday Card from American Express, The Platinum Card from American Express, American Express Gold Card, Delta SkyMiles Platinum American Express Card, Delta SkyMiles Gold American Express Card, Delta SkyMiles Reserve American Express Card, Delta SkyMiles Blue American Express Card, Marriott Bonvoy Bevy American Express Card, Marriott Bonvoy Brilliant American Express Card, Hilton Honors American Express Card, Hilton Honors American Express Surpass Card, Centurion® Card from American Express and the Hilton Honors American Express Aspire Card has been collected independently by CNET and has not been reviewed by the issuer.

American Express offers some of the most exclusive cards and luxury benefits available, and it’s home to classics such as The Platinum Card® from American Express and the fabled Centurion® Card from American Express*. But its high-value perks are more widely available than you might realize.

Along with premium travel cards, American Express offers co-branded options from popular brands including Delta and Hilton, and cash-back cards that help you save on everyday purchases. It’s also the second-largest credit card issuer by purchase volume, second only to Chase.

Much of Amex’s appeal is in its lofty benefits and exclusive access. If you can’t take full advantage of premium airport lounge access or hotel savings, the cost of its cards may not be worth their rewards.

Before you jump on any new card offer, make sure you consider how much the card costs, how it earns rewards, and whether you can use everything it has to offer.

CNET’S PICK
8/10
CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Intro Offer
Earn $250 Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Annual Fee
$0 intro annual fee for the first year, then $95.
Rewards Rate
1% – 6% 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 on transit including taxis/rideshare, parking, tolls, trains, buses and more; 3% Cash Back at U.S. gas stations; 1% Cash Back on other purchases
Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
670 – 850 Good – Excellent
APR
19.24% – 29.99% Variable

Check out our full review of the Blue Cash Preferred Card from American Express.

Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Intro Balance Transfer APR
0% on balance transfers for 12 months
Intro Purchase APR
0% on purchases for 12 months
Regular APR
19.24% – 29.99% Variable
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
6%
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
6%
6% Cash Back on select U.S. streaming subscriptions
3%
3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
3%
3% Cash Back at U.S. gas stations
1%
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 to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

Check out our full review of the Blue Cash Preferred Card from American Express.

Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Intro Balance Transfer APR
0% on balance transfers for 12 months
Intro Purchase APR
0% on purchases for 12 months
Regular APR
19.24% – 29.99% Variable
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
6%
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
6%
6% Cash Back on select U.S. streaming subscriptions
3%
3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
3%
3% Cash Back at U.S. gas stations
1%
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 to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
5.5/10
CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Intro Offer
Earn $200 Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Annual Fee
$0
Rewards Rate
1% – 3% 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%.; 1% Cash Back on other purchases
Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
670 – 850 Good – Excellent
APR
19.24% – 29.99% Variable

Check out our full review of the Blue Cash Everyday Card from American Express.

Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Intro Balance Transfer APR
0% on balance transfers for 15 months
Intro Purchase APR
0% on Purchases for 15 months
Regular APR
19.24% – 29.99% Variable
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
3%
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3%
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3%
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
1%
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 to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

Check out our full review of the Blue Cash Everyday Card from American Express.

Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Intro Balance Transfer APR
0% on balance transfers for 15 months
Intro Purchase APR
0% on Purchases for 15 months
Regular APR
19.24% – 29.99% Variable
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
3%
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3%
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3%
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
1%
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 to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
8/10
CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Intro Offer
Earn 80,000 points Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.
Annual Fee
$695
Rewards Rate
5x – 5x 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.; Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
670 – 850 Good – Excellent
APR
See Pay Over Time APR

Check out our full review of The Platinum Card® from American Express.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
See Pay Over Time APR
Balance Transfer Fee
N/A
5x
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.
5x
Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

Check out our full review of The Platinum Card® from American Express.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
See Pay Over Time APR
Balance Transfer Fee
N/A
5x
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.
5x
Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
7.5/10
CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Intro Offer
60,000 Membership Rewards® Points Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Annual Fee
$250
Rewards Rate
3x – 4x Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.; 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.
Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
670 – 850 Good – Excellent
APR
See Pay Over Time APR

Check out our full review of the American Express® Gold Card.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
See Pay Over Time APR
Balance Transfer Fee
N/A
4x
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
4x
Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3x
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

Check out our full review of the American Express® Gold Card.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
See Pay Over Time APR
Balance Transfer Fee
N/A
4x
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
4x
Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3x
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
8/10
CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Intro Offer
Earn 90,000 miles Earn 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months.
Annual Fee
$350
Rewards Rate
1x – 3x Earn 3X Miles on Delta purchases and purchases made directly with hotels.; Earn 2X Miles at restaurants worldwide, including takeout and delivery in the U.S. and at U.S. supermarkets.; Earn 1X Miles on all other eligible purchases.
Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
670 – 850 Good – Excellent
APR
20.99%-29.99% Variable

Check out our full review of the Delta SkyMiles® Platinum American Express Card.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.99%-29.99% Variable
Balance Transfer Fee
N/A
3x
Earn 3X Miles on Delta purchases and purchases made directly with hotels.
2x
Earn 2X Miles at restaurants worldwide, including takeout and delivery in the U.S. and at U.S. supermarkets.
1x
Earn 1X Miles on all other eligible purchases.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

Check out our full review of the Delta SkyMiles® Platinum American Express Card.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.99%-29.99% Variable
Balance Transfer Fee
N/A
3x
Earn 3X Miles on Delta purchases and purchases made directly with hotels.
2x
Earn 2X Miles at restaurants worldwide, including takeout and delivery in the U.S. and at U.S. supermarkets.
1x
Earn 1X Miles on all other eligible purchases.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
7.25/10
CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Intro Offer
Earn 70,000 Miles Earn 70,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months.
Annual Fee
$0 introductory annual fee for the first year, then $150.
Rewards Rate
1x – 2x Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery in the U.S., and at U.S. supermarkets.; Earn 1X Mile on all other eligible purchases.
Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
670 – 850 Good – Excellent
APR
20.99%-29.99% Variable

Check out our full review of the Delta SkyMiles® Gold American Express Card.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.99%-29.99% Variable
Balance Transfer Fee
N/A
2x
Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery in the U.S., and at U.S. supermarkets.
1x
Earn 1X Mile on all other eligible purchases.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

Check out our full review of the Delta SkyMiles® Gold American Express Card.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.99%-29.99% Variable
Balance Transfer Fee
N/A
2x
Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery in the U.S., and at U.S. supermarkets.
1x
Earn 1X Mile on all other eligible purchases.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
6.5/10
CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Intro Offer
Earn 100,000 miles Earn 100,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months.
Annual Fee
$650
Rewards Rate
1x – 3x Earn 3X Miles on Delta purchases. ; Earn 1X Miles on all other eligible purchases.
Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
670 – 850 Good – Excellent
APR
20.99% – 29.99% Variable

See our full review of the Delta SkyMiles Reserve American Express Card for more details.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.99% – 29.99% Variable
Balance Transfer Fee
N/A
3x
Earn 3X Miles on Delta purchases.
1x
Earn 1X Miles on all other eligible purchases.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

See our full review of the Delta SkyMiles Reserve American Express Card for more details.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.99% – 29.99% Variable
Balance Transfer Fee
N/A
3x
Earn 3X Miles on Delta purchases.
1x
Earn 1X Miles on all other eligible purchases.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
4.5/10
CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Intro Offer
Earn 10,000 miles Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
Annual Fee
$0
Rewards Rate
1x – 2x 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.; Earn 1X Mile on all other eligible purchases.
Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
670 – 850 Good – Excellent
APR
20.99%-29.99% Variable
Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.99%-29.99% Variable
Balance Transfer Fee
N/A
2x
Earn 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
2x
Earn 2X Miles per dollar spent on Delta purchases.
1x
Earn 1X Mile on all other eligible purchases.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.99%-29.99% Variable
Balance Transfer Fee
N/A
2x
Earn 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
2x
Earn 2X Miles per dollar spent on Delta purchases.
1x
Earn 1X Mile on all other eligible purchases.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
7.5/10
CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Intro Offer
Earn 155,000 Marriott Bonvoy bonus points Earn 155,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
Annual Fee
$250
Rewards Rate
2x – 6x Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.; Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).; Earn 2X points on all other eligible purchases.
Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
670 – 850 Good – Excellent
APR
20.99%-29.99% Variable
Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.99%-29.99% Variable
Balance Transfer Fee
N/A
6x
Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
4x
Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).
2x
Earn 2X points on all other eligible purchases.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.99%-29.99% Variable
Balance Transfer Fee
N/A
6x
Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
4x
Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).
2x
Earn 2X points on all other eligible purchases.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
7/10
CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Intro Offer
Earn 185,000 Marriott Bonvoy bonus points Earn 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
Annual Fee
$650
Rewards Rate
2x – 6x Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®; 3X points at restaurants worldwide and on flights booked directly with airlines; 2X points on all other eligible purchases
Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
670 – 850 Good – Excellent
APR
20.99%-29.99% Variable
Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.99%-29.99% Variable
Balance Transfer Fee
N/A
6x
Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®
3x
3X points at restaurants worldwide and on flights booked directly with airlines
2x
2X points on all other eligible purchases
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.99%-29.99% Variable
Balance Transfer Fee
N/A
6x
Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®
3x
3X points at restaurants worldwide and on flights booked directly with airlines
2x
2X points on all other eligible purchases
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
5.5/10
CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Intro Offer
Earn 100,000 points 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 4/17/24.
Annual Fee
$0
Rewards Rate
3x – 7x Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.; Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.; Earn 3X Points for all other eligible purchases on your Card.
Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
670 – 850 Good – Excellent
APR
20.99%-29.99% Variable

For more information, see our full review of the Hilton Honors Card.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.99%-29.99% Variable
Balance Transfer Fee
N/A
7x
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
5x
Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
3x
Earn 3X Points for all other eligible purchases on your Card.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

For more information, see our full review of the Hilton Honors Card.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.99%-29.99% Variable
Balance Transfer Fee
N/A
7x
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
5x
Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
3x
Earn 3X Points for all other eligible purchases on your Card.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
7.5/10
CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Intro Offer
Earn 155,000 points Earn 155,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.
Annual Fee
$150
Rewards Rate
3x – 12x Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.; Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.; Earn 4X Points for each dollar on U.S. Online Retail Purchases.; Earn 3X Points for all other eligible purchases on your Card.
Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
670 – 850 Good – Excellent
APR
20.99%-29.99% Variable
Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.99%-29.99% Variable
Balance Transfer Fee
N/A
12x
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
6x
Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
4x
Earn 4X Points for each dollar on U.S. Online Retail Purchases.
3x
Earn 3X Points for all other eligible purchases on your Card.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.99%-29.99% Variable
Balance Transfer Fee
N/A
12x
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
6x
Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
4x
Earn 4X Points for each dollar on U.S. Online Retail Purchases.
3x
Earn 3X Points for all other eligible purchases on your Card.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
6.5/10
CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Intro Offer
150,000 Earn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you use your new Card to make $4,000 in eligible purchases within the first 3 months of Card Membership.
Annual Fee
$450
Rewards Rate
3x – 14x Earn 14X Hilton Honors Bonus Points when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio.; Earn 7X Hilton Honors Bonus Points for eligible purchases: on flights booked directly with airlines or amextravel.com, on car rentals booked directly from select car rental companies & at U.S. restaurants.; Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
670 – 850 Good – Excellent
APR
20.99% – 29.99% Variable

All information about the Hilton Honors American Express Aspire Card has been collected independently by CNET and has not been reviewed by the issuer.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.99% – 29.99% Variable
Balance Transfer Fee
N/A
14x
Earn 14X Hilton Honors Bonus Points when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio.
7x
Earn 7X Hilton Honors Bonus Points for eligible purchases: on flights booked directly with airlines or amextravel.com, on car rentals booked directly from select car rental companies & at U.S. restaurants.
3x
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

All information about the Hilton Honors American Express Aspire Card has been collected independently by CNET and has not been reviewed by the issuer.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.99% – 29.99% Variable
Balance Transfer Fee
N/A
14x
Earn 14X Hilton Honors Bonus Points when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio.
7x
Earn 7X Hilton Honors Bonus Points for eligible purchases: on flights booked directly with airlines or amextravel.com, on car rentals booked directly from select car rental companies & at U.S. restaurants.
3x
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

Credit score requirements for American Express cards

The credit score requirement will depend on which card you’re applying for. However, Amex tends to offer more cards recommended for good to excellent credit than other issuers, with few credit cards for people with a limited credit history

For good credit, you’ll generally need a credit score of 670 or higher. If your credit score is lower, you can improve your credit score with responsible use of your current accounts.

As a tradeoff for the high credit requirements, many Amex credit cards offer premium perks above and beyond rewards, such as annual statement credits and travel benefits. 

Amex compared with other issuers

American Express, like Discover, operates as both a credit card issuer and credit card payment network. Visa and Mastercard, on the other hand, are only processors, which means the two companies facilitate payments rather than issue credit cards. 

Instead, Visa and Mastercard team with banks including Bank of America and Capital One to issue credit cards. Visa and Mastercard will approve transactions, while the issuing bank will decide whether you qualify for a credit card.

The main difference between card processors such as American Express, Visa and Mastercard is where the cards are accepted. The main difference between issuers such as Capital One or Bank of America is qualification requirements.

Comparatively, American Express has the lowest merchant acceptance rate due to higher merchant transaction fees, and it also tends to have the highest credit requirements for new applicants.

How many American Express cards can you have?

You can have a total of up to five American Express consumer and business credit cards at once. However, this doesn’t apply to cards like The Platinum Card® from American Express, which must be paid off in full each month.

Is Amex the right choice for you?

American Express offers credit cards for every type of consumer, so long as you have the appropriate credit score. Some of the best credit cards are issued by American Express, including the Blue Cash Preferred® Card from American Express and The Platinum Card, which provides the widest access to airport lounges of any credit card.

However, the issuer does fall short in terms of no-annual-fee options. That’s not to say there aren’t any worthwhile choices (there’s the Blue Cash Everyday® Card from American Express, for example), but you’ll likely need to pay an annual fee to access the best that the issuer has to offer.

If you do opt for a credit card with an annual fee, check to see how much value you will get from the card’s rewards and perks. If you’re able to earn enough rewards to cover the cost, or if the card offers annual travel credits you’re able to utilize regularly, it could make sense to apply.

How to Apply for an American Express card

Follow these steps to apply for an American Express card:

  1. Choose the credit card that best fits your lifestyle and spending habits.
  2. Apply securely on the credit card issuer’s website. You’ll need financial and personal identifying information, including your name, date of birth, address, Social Security number, income and monthly rent or mortgage payment.
  3. You should hear back instantly on the issuer’s decision. Or, it may reach out to you for clarification or more information.

FAQs

American Express credit card annual fees range from $0 to upward of $695 annually. A higher annual fee usually yields better card perks, but is only worth it if you use the card enough.

No, some Amex cards don’t have an annual fee, like the Blue Cash Everyday, Hilton Honors Card and Delta SkyMiles Blue.

Which card is easiest to get will depend on your credit. The better your credit, the more likely you are to be approved for a credit card.

You can cancel an American Express card by contacting the issuer. However, canceling a credit card is often not the best move as it can have repercussions for your credit.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

Jaclyn is a CNET Money editor who relishes the sweet spot between numbers and words. With responsibility for overseeing CNET's credit card coverage, she writes and edits news, reviews and advice. She has experience covering business, personal finance and economics, and previously managed contracts and investments as a real estate agent. Her tech interests include Tesla, SpaceX, The Boring Company and Neuralink.
Evan Zimmer has been writing about finance for years. After graduating with a journalism degree from SUNY Oswego, he wrote credit card content for Credit Card Insider (now Money Tips) before moving to ZDNET Finance to cover credit card, banking and blockchain news. He currently works with CNET Money to bring readers the most accurate and up-to-date financial information. Otherwise, you can find him reading, rock climbing, snowboarding and enjoying the outdoors.