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The American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card
- 18.49% to 26.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
The American Express Blue Business Cash™ Card is a no-annual-fee business and cash back card from American Express and earns a flat 2% cash back on all purchases which are applied as a statement credit. It is best suited as a supplementary business card to use when an expenditure won’t earn rewards with another card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply.
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 18.49% to 26.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: If eligible, either $5 or 3% of the amount of each transfer, whichever is greater
- Penalty APR: 29.99% 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
- You need a card that can handle large, unexpected business expenses regardless of the credit card limit
- You want cash back earnings applied towards your credit card balance
- You want complimentary employee cards with cash back earning potential
- You want rewards points on everyday business purchases on the card
Amazon Business American Express Card
Amazon Business American Express Card
- 19.49% to 27.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
Choosing the right business rewards credit card can be difficult. The Amazon Business American Express Card rewards business owners with a percentage back in rewards and the ability to choose between a higher earning rate or an interest-free period.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card
- Take advantage of 3% Back or 60 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market. You will earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we're behind you
- With rewards that do't expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement
- Terms apply.
- Regular Purchase APR: 19.49% to 27.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 29.99% 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: 29.99% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $39
- You own or operate a small or medium-sized business
- You have an Amazon account and make a considerable amount of business expenses via the Amazon shopping platforms
- You're looking to earn rewards for regular purchases for your business
- You need a centralized hub to organize and reconcile your transactions
- You're looking for a business credit card with no annual or foreign transaction fees
Amazon Business Prime American Express Card
Amazon Business Prime American Express Card
- 19.49% to 27.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Amazon Business Prime American Express Card offers flexibility when choosing your perks, and its numerous business-focused tools make it a trusty companion for the owner of any small-to-medium-sized-business.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card
- Take advantage of 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we're behind you
- With rewards that do't expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement
- Terms apply.
- Regular Purchase APR: 19.49% to 27.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: EIther $5 of 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $39
- You're a small business owner
- You frequently shop or run you business via Amazon.com and Whole Foods
- You have an eligible Amazon Prime membership
- You make regular expenses and need a business credit card to make the process faster and easier to manage
- You're looking to get some money back for your purchases
- You want complimentary employee cards
Marriott Bonvoy Bevy™ American Express
Marriott Bonvoy Bevy™ American Express
- 20.99% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Marriott Bonvoy Bevy™ American Express Credit Card earns big rewards but has a hefty price tag. The card earns up to 18.5X on Marriott stays 4X on US dining and groceries, and 2X on everything else but charges a $250 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 125,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership. Plus, earn 50,000 Marriott Bonvoy bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy through 1/31/24. Offer ends 8/9/2023.
- 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.
- 1K Bonus Points Per Stay: Earn 1,000 Marriott Bonvoy® bonus points per paid eligible stay booked directly with Marriott for properties participating in Marriott Bonvoy.
- With complimentary Gold Elites status, earn up to 2.5X points from Marriott Bonvoy® on eligible hotel purchases with the 25% Bonus Points on stays benefit.
- Marriott Bonvoy Bevy Free Night Award: Earn 1 Free Night Award after spending $15,000 on eligible purchases on your Marriott Bonvoy Bevy™ Card in a calendar year. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy® points) at a participating hotel. Certain hotels have resort fees.
- 15 Elite Night Credits: Each calendar year with your Marriott Bonvoy Bevy™ American Express Card® you can receive 15 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
- Plan It® is a payment option that lets you split up purchases of $100 or more into equal monthly installments with a fixed fee. Plus, you'll still earn rewards the way you usually do.
- $250 Annual Fee.
- Terms apply.
- Regular Purchase APR: 20.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 29.99% 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
- You plan to stay at Marriott properties often
- You spend heavily on groceries and U.S. dining purchases
- You don't want to pay foreign transaction fees
- You already have another Amex credit card or prefer the Amex payment network
Marriott Bonvoy Brilliant® American Express® Card
Marriott Bonvoy Brilliant® American Express® Card
- 20.99% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Marriott Bonvoy Brilliant® American Express® Card adds a sizable dose of luxury to your wallet with generous rewards and ample perks for your travels. If you feel as though you spend more time in a Marriott Bonvoy hotel room than anywhere else, this card can help you make the most of it with free stays, upgrades and points for days (and nights).
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 150,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. Plus, earn 50,000 Marriott Bonvoy bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy through 1/31/24. Offer ends 8/9/2023.
- $300 Brilliant Dining Credit: Each Card renewal year, get up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide.
- With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
- Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy® program. 3 points at restaurants worldwide and on flights booked directly with airlines. 2 points on all other eligible purchases.
- Marriott Brilliant Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Each calendar year after spending $60,000 on eligible purchases made on their Marriott Bonvoy Brilliant® American Express® Card, Card Members are eligible to select an Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
- $100 Luxury Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
- Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
- Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy® member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
- Enroll in Priority Pass™ Select, which offers unlimited access to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
- No Foreign Transaction Fees on international purchases.
- You can be reimbursed for your costs to repair or replace your damaged or Stolen cell phone for a maximum of $800 per claim with a limit of 2 approved claims per 12-month period when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim. Coverage is provided by New Hampshire Insurance Company, an AIG Company. Additional terms and conditions apply.
- $650 Annual Fee.
- Terms Apply.
- Regular Purchase APR: 20.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 29.99% 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: $650
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You book the majority of your hotel stays at Marriott Bonvoy properties
- You travel frequently for work or pleasure and want to rack up more points on your Marriott Bonvoy loyalty membership
- You often incur incidental charges such as room service or spa service during your hotel stays
- You're looking for a luxury travel card with massive rewards for every purchase and no foreign transaction fees
Marriott Bonvoy Business® American Express® Card
Marriott Bonvoy Business® American Express® Card
- 20.99% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
A business and hotel credit card that leans heavily on earning points, the Marriott Bonvoy Business® American Express® Card takes care of your company costs while rewarding you at the same time. The card earns 6X points for every dollar spent with Marriott brands, 4X points at U.S. gas stations and worldwide restaurant purchases, as well as U.S.-based wireless service providers, when paying for shipping on U.S. purchases, or when booking flights directly with airlines, and 2X points for every other dollar spent.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Limited Time Offer: Earn 100,000 Bonus Marriott Bonvoy Points after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 11/2/22
- 6x points at hotels participating in the Marriott Bonvoy® program
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping
- 2x points on all other eligible purchases
- Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card
- Terms apply.
- Regular Purchase APR: 20.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 29.99% 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: 29.99% variable based on the Prime Rate
- Annual Fee: $125
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $39
- You own a small or mid-size business
- You want one of the more versatile business hotel credit card offers
- You frequently book stays at Marriott hotels worldwide
- You're looking for a hotel credit card and a business credit card that brings the best of both worlds together
- You make frequent business expenses with a credit card or use one for travel costs
Hilton Honors American Express Aspire Card
Hilton Honors American Express Aspire Card
- 20.99% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Hilton Honors American Express Aspire Card is a behemoth of a hotel card, offering new cardmembers the ability to earn a hefty Hilton Honors bonus points welcome offer after making $6,000 in eligible purchases on the card within the first three months of the account opening. This card also grants the ability to earn a whopping 14x Hilton Honors points per dollar spent on direct Hilton hotel and resort purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 14X points for Hilton hotels and resorts
- 7X points on flights booked directly with airlines or through amextravel.com, ca
- 7X points on car rentals booked directly from select car rental companies
- 7X points at U.S. restaurants
- 3X points on all other purchases
- Complimentary Diamond Status in the Hilton Honors rewards program
- Anniversary bonus of one weekend night
- Earn additional weekend night reward after spending $60,000 within calendar year
- $400 Hilton resort statement credit
- Regular Purchase APR: 20.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 29.99% 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: $550
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You're capable and willing to spend $6,000 within the first three months of opening an account to receive the card’s welcome offer of bonus Hilton Honors points
- You wantCLEAR security fast pass
- You book stays at Hilton Resorts at least once per year
- You will make $60,000 in purchases per year
Hilton Honors American Express Surpass® Card
Hilton Honors American Express Surpass® Card
- 20.99% to 29.99% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
If you regularly stay at Hilton properties, the accelerated ability to earn bonus points and a sizable introductory bonus offer help the Hilton Honors American Express Surpass Card really stand out. Card members also receive complimentary Hilton Honors Gold status, which entitles them to guaranteed member discounts, digital check-in, complimentary breakfast, and a host of other perks, all for a competitive annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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 Hilton Honors points per $1 spent on purchases at U.S. restaurants, U.S. supermarkets, U.S. groceries, U.S. online retail, 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 $30,000 on your card in a calendar year
- No foreign transaction fees
- Earn 170,000 bonus points and a free night after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 3 months of Card Membership
- Regular Purchase APR: 20.99% to 29.99% variable based on creditworthiness and Prime Rate
- Cash Advance APR: 29.99% 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: $150
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You regularly stay at Hilton properties and want to quickly earn Hilton Honors Bonus Points
- You will spend enough with the card in the first three months of opening an account to earn a very generous welcome offer
- You want the convenient benefits that come with complimentary Hilton Honors Gold status, as well as Hilton Honors Diamond status if you spend $40,000 on eligible purchases through the end of the next calendar year
Hilton Honors American Express Card
Hilton Honors American Express Card
- 20.99% to 29.99% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
With the Hilton Honors American Express Card, you can earn thousands of Hilton Honors Bonus Points after meeting a manageable spending requirement within your first three months of membership. Coupled with that impressive welcome offer is the ability to earn 7X Hilton Honors Bonus Points per dollar spent on direct Hilton hotel and resort purchases, 5X points on eligible purchases at U.S. restaurants, supermarkets, and gas stations, and 3X points per dollar on all other eligible purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 70,000 Hilton Honors Bonus Points and a Free Night Reward after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership
- Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with 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
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad
- 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
- No Annual Fee
- Terms Apply
- Regular Purchase APR: 20.99% to 29.99% variable based on creditworthiness and Prime Rate
- Cash Advance APR: 29.99% 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
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You often rent rooms at Hilton properties when you travel and want to earn a huge welcome bonus in Hilton Honors Points after making eligible purchases within the first three months of being a card member
- You want to earn 7X Hilton Honors Bonus Points for direct Hilton purchases, 5X points on select travel purchases, and 3X points on all other eligible purchases
- You do not want to pay annual fees or foreign transaction fees with their hotel rewards card
- You want complimentary Hilton Honors Silver status
Hilton Honors American Express Business Card
Hilton Honors American Express Business Card
- 20.99% to 29.99% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Hilton Honors American Express Business Card is a rewarding hotel credit card for business owners that frequent Hilton hotels and resort. Small and mid-sized businesses will find it easy to earn points through regular business purchases and travel-related purchases on top of dining and U.S. gas stations.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $4,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. Offer ends 7/19/23
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year
- Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year
- Terms apply
- Regular Purchase APR: 20.99% to 29.99% variable based on creditworthiness and Prime Rate
- Cash Advance APR: 29.99% 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: 29.99% variable based on the Prime Rate
- Annual Fee: $95
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $39
- You primarily travel within the United States
- You want rewards for gas and dining purchases
- You have business expenditures of at least $60,000
- You frequently travel for business on multiple day trips that require lodging
You've viewed 5 of 37 credit cards
About American Express
American Express is one of the top issuers of credit cards in the world. 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 from American Express, the Amex Gold Card, and other products are hybrid credit products that somewhat resemble charge cards. Amex also offers business charge cards, like the Business Platinum Card.
Amex cards differ from credit cards in several important ways:
- Some premium Amex cards don’t have a pre-set spending limit: Unlike credit cards, which come with a credit limit, premium Amex 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, hybrid charge cards require payment in full each month.
- Annual Fees: Premium Amex 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 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 hybrid cards, the company also offers excellent credit card products, like the Blue Card, Blue Cash Preferred Card, or the Blue Business Plus. Credit cards from American Express cover every style and variety.
These include hotel rewards cards, airline rewards credit cards, cash back credit cards, and business credit cards. The Blue Cash everyday card from American Express provides cashback on all purchases, plus a spending bonus.
American Express Membership Rewards Guide
American Express Membership Rewards is the loyalty program for American Express credit card members. How does American Express Rewards work? American Express Rewards is available to those with “classic” American Express (Amex) rewards 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 | Hotels | Airfare |
Cruises | Merchandise with select partners | Gift cards |
Statement credits | Charitable donations | Transfer to partners |
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 point transfers to 17 airline partners and three hotel programs:
AeroMexico (Club Premier) | Avianca (LifeMiles) | Emirates (Skywards) |
Air Canada (Aeroplan) | British Airways (Executive Club) | Etihad (Guest) |
Aer Lingus (AerClub) | Cathay Pacific (Asia Miles) | Air France/KLM (Flying Blue) |
All Nippon Airways (ANA Miles) | Delta Air Lines (SkyMiles) | Hawaiian Airlines (HawaiianMiles) |
Iberia Plus | Choice Privileges | Hilton Honors |
Marriott Bonvoy | JetBlue (TrueBlue) | Marriott Bonvoy |
Marriott Bonvoy | Virgin Atlantic (Flying Club) |
What to Look for in an American Express Credit Card
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.
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 credit cards feature no foreign transaction fees.
- Co-Branded: American Express 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.
- Sign Up Bonuses: Many Amex credit cards come with an impressive intro bonus. Some cards offer big signup bonuses when you spend $1,000 in purchases within three months of card membership. Amex rewards cards, like the Hilton Honors American Express, offer extra Hilton Honors bonus points after you spend a set amount.
FAQs About American Express
Here are answers to commonly asked questions about American Express, Amex rewards credit cards, and more:
No. At this time American Express does not have an Amex card for those with bad or fair credit. The company does offer two prepaid debit cards, the Amex Bluebird and Amex Serve, both of which are available to anyone. The Bluebird is an Amex card issued with Walmart.
No. There used to be the Navy Federal Amex Secured Card, issued through Navy Federal Credit Union. That card, however, is no longer being issued, meaning there are currently no Amex secured cards available.
Yes. Amex recently introduced its Amex Score Goals program. This free program – open to anyone with -or without – an American Express card, lets you check your credit score and set up a plan to reach your dream credit score.
Amex charges a penalty fee of $27 for the first late payment and up to $38 for a second late payment in the following six billing periods. These penalty fees cannot exceed the minimum balance due, however.
Visit this page to access your American Express credit card or charge card account. At this site you can login to your US American Express account, activate a new AMEX card, review and spend your reward points, and more.
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