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August 09, 2018
Blue Cash Everyday® Card
$175 Statement Credit + 0% Intro APR for 15 Months
- Regular Purchase APR 12.99% to 23.99% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 12.99% to 23.99% variable based on creditworthiness and Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 15 months from account opening date
- Processing Network American Express
- 3% cash back at U.S. supermarkets
- 2% cash back at U.S. gas stations and select U.S. department stores
- 1% cash back on other eligible purchases
- Car rental loss and damage insurance
- Global Assist Hotline
- Complimentary Shoprunner membership
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 12.99% to 23.99% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 15 months on transfers requested within 60 days from account opening date
- Balance Transfer APR: 12.99% to 23.99% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.24% variable based on the Prime Rate
- Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
August 13, 2018
Blue Cash Preferred® Card
Earn a $300 Statement Credit + 0% Intro APR for 12 Months
- Regular Purchase APR 12.99% to 23.99% variable based on creditworthiness the Prime Rate
- Balance Transfer APR 12.99% to 23.99% variable based on creditworthiness the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee $95
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 12 months from account opening date
- Processing Network American Express
- 6% cash back on streaming subscriptions
- 6% cash back at supermarkets
- 3% cash back on transit purchases
- 3% cash back at gas stations
- 1% back on all other eligible purchases
- Complimentary ShopRunner membership
- Return protection up to $300 per item
- Car rental loss and damage assistance
- Global Assist Hotline
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 12.99% to 23.99% variable based on creditworthiness the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers requested within 60 days from account opening date
- Balance Transfer APR: 12.99% to 23.99% variable based on creditworthiness the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.24% variable based on the Prime Rate
- Annual Fee: $95
- Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
August 13, 2018
Hilton Honors American Express Surpass® Card
150,000 Hilton Honors Bonus Points for Redemption
- Regular Purchase APR 15.74% to 24.74% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 15.74% to 24.74% variable based on creditworthiness and Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee $95
- Credit Needed Excellent , Good
- Processing Network American Express
- 12X Hilton Honors points per $1 spent on purchases at participating Hilton properties
- 6X Hilton Honors points per $1 spent on purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations
- 3X Hilton Honors points on all eligible purchases
- Complimentary Gold status with your card
- Free Weekend Night Reward after spending $15,000 on your card in a calendar year
- No foreign transaction fees
- Regular Purchase APR: 15.74% to 24.74% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 15.74% to 24.74% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.24% variable based on the Prime Rate
- Annual Fee: $95
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
August 14, 2018
Delta Reserve® for Business Credit Card
Earn Up to 45,000 Bonus Miles
- Regular Purchase APR 15.74% to 24.74% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.74% variable based on the Prime Rate
- Annual Fee $550
- Credit Needed Excellent , Good
- Processing Network American Express
- Complimentary Access to the Delta Sky Club & 2 Delta Sky Club one-time guest passes
- Earn 1.5x miles per dollar after spending $150,000
- Earn 3 miles per dollar on Delta purchases
- Access to complimentary upgrades
- Global Entry or TSA PreCheck fee credit
- Regular Purchase APR: 15.74% to 24.74% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 25.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.24% variable based on the Prime Rate
- Annual Fee: $550
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $39
August 14, 2018
Hilton Honors Card
Earn 95,000 Hilton Honors Points Bonus
- Regular Purchase APR 15.74% to 24.74% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 15.74% to 24.74% variable based on creditworthiness and Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network American Express
- 7X Hilton Honors points on Hilton purchases
- 5X Hilton Honors points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations
- 3X Hilton Honors points on all other eligible purchases
- Complimentary Hilton Honors Silver status
- No foreign transaction fees
- Regular Purchase APR: 15.74% to 24.74% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 15.74% to 24.74% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.24% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
August 14, 2018
Blue Delta SkyMiles® Credit Card
10,000 Bonus Miles After Spending $500 in the First 3 Months
- Regular Purchase APR 15.74% to 24.74% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 15.74% to 24.74% variable based on creditworthiness and Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent
- Processing Network American Express
- 2X miles per dollar spent on purchases made directly with Delta,
- 2X miles per dollar spent at restaurants worldwide
- 1X miles per dollar spent on other eligible purchases
- Pay with Miles
- Complimentary ShupRunner membership
- Regular Purchase APR: 15.74% to 24.74% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 15.74% to 24.74% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.24% variable based on the Prime Rate
- Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
August 14, 2018
American Express® Gold Card
35,000 Bonus Membership Rewards® Points
- Regular Purchase APR 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee $250
- Credit Needed Excellent , Good
- Processing Network American Express
- 4X points at restaurants worldwide
- 4X points at supermarkets, up to $25,000 per year
- 3X points on flights booked directly with airlines or on amextravel.com
- $10 in monthly statement credits GrubHub, Cheescake Factory, Boxed, and other locations
- $100 airline statement credit per year on incidentals
- No foreign transaction fees
- Regular Purchase APR: 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $250
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
August 14, 2018
Amex EveryDay® Credit Card
10,000 Membership Rewards® Points + No Balance Transfer Fee
- Regular Purchase APR 12.99% to 23.99% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 12.99% to 23.99% variable based on creditworthiness and Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 15 months from account opening date
- Processing Network American Express
- Earn 20% extra points when you make 20+ purchases in a billing period
- 2X points per dollar spent at U.S. supermarkets (up to $6,000)
- 1X points on every other eligible dollar spent
- 0% intro APR on purchases and balance transfers for 15 months
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 12.99% to 23.99% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 15 months on transfers requested within 60 days from account opening date
- Balance Transfer APR: 12.99% to 23.99% variable based on creditworthiness and Prime Rate
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.24% variable based on the Prime Rate
- Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
August 15, 2018
Blue Business Plus Credit Card from American Express
Earn 2X Membership Rewards® Points on Purchases
- Regular Purchase APR 13.24% to 19.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 13.24%, 16.24%, or 19.24% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 12 months from account opening date
- Processing Network American Express
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners
- 2X applies to the first $50,000 in purchases each year, 1 point per dollar thereafter
- No annual fee, and no annual fee for additional employee cards
- Seamlessly transfer your transaction data from your American Express statement directly to your QuickBooks account
- 0% intro APR on purchases and balance transfers for 12 months from date of account opening,
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 13.24% to 19.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 60 days from account opening date
- Balance Transfer APR: 13.24%, 16.24%, or 19.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Penalty APR: 29.24% variable based on the Prime Rate
- Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $39
August 15, 2018
The Business Platinum Card®
Earn Up to 75,000 Membership Rewards® Points
- Regular Purchase APR 18.24% variable based on the Prime Rate
- Annual Fee $595
- Credit Needed Excellent
- Processing Network American Express
- Get 5X Membership Rewards® points on flights and prepaid hotels
- Receive a $200 airline fee credit each calendar year
- 1 year of Platinum Global Access from WeWork
- Receive 50,000 Membership Rewards® points after spending $10,000 within 3 months
- Earn an extra 25,000 points after you spend an additional $10,000 on all purchases within 3 months
- Get 50% more points on purchases of $5,000 or more
- Receive 35% points back when they’re used for flights
- Regular Purchase APR: 18.24% variable based on the Prime Rate
- Penalty APR: 29.24% variable, based on the Prime Rate, for Pay Over Time
- Annual Fee: $595
- Late Payment Penalty Fee: $39 or 2.99% of any past due Pay in Full amount, whichever is greater
- Return Payment Penalty Fee: $39
American Express Credit Cards
American Express offers two kinds of credit products: charge cards and credit cards. But what’s the difference between a credit card and a charge card?
What Is a Charge Card?
Many of the AMEX credit cards people instantly imagine when the name “American Express” pops up aren’t actually credit cards. The Platinum Card, the AMEX Gold Card, and other products are actually charge cards.
Charge cards differ from credit cards in several important ways:
- Charge cards don’t have a pre-set spending limit: Unlike credit cards, which come with a credit limit, charge cards don’t have a limit. Instead, cardholders are expected to pay their entire balance in full.
- Pay in Full Each Month: Unlike credit cards, charge cards require payment in full each month.
- Annual Fees: Charge cards typically have annual fees. In contrast, not every credit card charges a fee each year.
- Limited Availability: Credit cards come from a massive number of issuers. Charge cards, on the other hand, are not as widely available anymore. Really, American Express is the only major company to offer charge cards.
Charge cards make sense for those concerned about t their credit utilization. Because they lack a set spending limit, charge cards don’t have the same effect on a credit score as a credit card. Neither FICO nor VantageScore factor in charge cards, making them an excellent choice for financing larger purchases that can be paid back at the end of the billing period.
American Express Credit Cards
While many of the best-known cards from American Express are charge cards, the company also offers excellent credit card products. AMEX offers credit cards of every style and variety. These include hotel rewards cards, airline rewards credit cards, cash back credit cards, and business credit cards.
American Express Membership Rewards Guide
American Express Membership Rewards is the loyalty program for American Express credit card members. American Express Rewards is available to those with “classic” American Express credit cards, like the Platinum Card, the Gold Card, and the Green Card. The AMEX EveryDay® Credit Card also applies for Membership Rewards.
Value of AMEX Membership Rewards Points
American Express Membership Rewards are among the most valuable points in the credit card rewards space. AMEX Rewards points are comparable to Chase Ultimate Rewards Points in that they offer exceptional value on travel redemptions. This includes 1:1 point transfer partners and enhanced and expedited travel partner transfers.
AMEX points have a current value of 2 cents per point, placing them on par with Chase points. The real benefit with AMEX, however, is the sheer volume of transfer partners and the speed at which point transfers are completed.
How to Earn Points with AMEX
AMEX Rewards points are like points from other programs. Cardholders earn points for qualifying purchases, with select categories earning enhanced points. Cardholders also earn points through signup bonuses, something AMEX is known for. Some American Express credit cards offer signup bonuses of up to 100,000 points, making them among the most lucrative credit cards on the market.
Other options for earning large amounts of AMEX points include referral bonuses for recommending American Express credit card products to friends and family, getting extra points through select offers, or taking advantage of limited-time opportunities. Cardholders can also transfer points from other loyalty programs, including hotels and airlines worldwide.
How to Redeem Points
As with other loyalty programs, AMEX Membership Rewards points apply to a wide variety of redemption options. Those redemption options include:
- Travel
- Statement credits
- Shopping for merchandise
- Gift Cards
- Charitable donations
- Points transfers
Using points for statement credits or shopping provides the lowest value for money. Using points as credits towards account charges provides a value below one cent per point, making it an option to avoid unless necessary.
The same applies to shop purchases – especially through Amazon, where AMEX points are usable (along with Discover points). Using points on Amazon.com, however, provides the same valuation as statement credits – 0.65 cents per point. That valuation is well below the two cents per point some travel partners offer.
American Express Travel Partners
The best options for AMEX points are by booking travel through the American Express travel portal, or through their partners. Booking at AMEXtravel.com provides a point valuation of up to two cents per point. This valuation places the points on par with Chase Ultimate Rewards, widely considered some of the best travel rewards points on the market today.
American Express offers instant transfers to 15 partners:
| Aer Lingus | Etihad |
| Air Canada | Hawaiian Airlines |
| Air France/ KLM | JetBlue |
| Alitalia | Virgin Atlantic |
| British Airways | Choice |
| Delta | Hilton |
| El Al | Marriott Bonvoy |
| Emirates |
AMEX also offers near-instant (48 hours or less) transfers to five additional partners:
| Aeromexico | Iberia |
| All Nippon Airways (ANA) | Singapore Airlines |
| Cathay Pacific |
Also, many of these partners offer point transfers at a ratio of 1:1, which is comparable with Chase Ultimate Rewards. Unlike Chase, however, the speed these transfers take place is unmatched, making AMEX Membership Rewards perfect for travelers who frequently make last-minute changes to their itinerary.
What to Look for in an American Express Credit Card
When applying for an AMEX Card, what should you look out for before applying?
- Rewards: What do you want in a credit card? Do you plan to use your card for cash back rewards, or do you think you’ll find more value through redeeming for travel?
- Annual Fee: Carefully weigh up the annual fee versus how much you plan to make use of the perks the card offers. If, for example, you travel frequently, the Platinum Card offers much more value for money than the $550 annual fee. If you travel infrequently, however, other options may provide better value.
- No Foreign Transaction Fees: Many AMEX Cards feature no foreign transaction fees.
- Co-Branded: AMEX Cards branded with a hotel (like Hilton) or an airline (like Delta) offer exceptional value for those who frequent those brands. They provide less value, however, for those who prefer to shop around.
Find the Best Card for You
The team at BestCards.com knows how hard it is to find your perfect credit card. This is especially true if you don’t have the right tools and knowledge. That’s why we offer insightful credit card reviews, as well as informative articles to guide you every step of the way. Browse our 800+ reviews and find your best card today.
