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Delta SkyMiles® Reserve American Express Card
Delta SkyMiles® Reserve 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
Frequent patrons of Delta airlines will find a lot of advantages when using the Delta SkyMiles® Reserve American Express Card. That’s because the card offers a wide variety of perks that more than make up for its $550 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 60,000 bonus miles after you spend $5,000 in purchases on your new Card in your first 6 months
- Complimentary access to the Delta Sky Club® for you when traveling on a Delta flight
- Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card
- Earn up to 60,000 Medallion® Qualification Miles (MQMs) With Status Boost® per year. After you spend $30,000 in purchases on your Card in a calendar year, you can earn 15,000 MQMs up to four times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion Status and are different from the miles you earn towards flights
- Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees
- Receive a domestic First Class, Delta Comfort+® or domestic Main Cabin round trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details
- With your Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class
- Fee Credit for Global Entry or TSA PreCheck® after you apply through any Authorized Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck
- Enjoy your first checked bag free on Delta flights
- Earn 3X Miles on Delta purchases
- Earn 1X Mile on all other eligible purchases
- No Foreign Transaction Fees
- $550 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: $550
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You travel often and will benefit from luxury perks
- You plan to use all of the card’s benefits and perks to justify the $550 annual fee
- You're a current SkyMiles frequent flyer
- You don’t want to pay foreign transaction fees
Delta SkyMiles® Platinum American Express Card
Delta SkyMiles® Platinum 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
If Delta is your airline of choice when planning trips for work or leisure, then you’ll enjoy the benefits available to you through the Platinum Delta SkyMiles® Credit Card from American Express.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months
- Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs up to two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion ® Status and are different than miles you earn toward flights – good through 12/31/23. Effective 1/1/24 this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the card. Learn more at delta.com/skymilesprogramchanges.com
- 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
- Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests when traveling on a Delta Flight from now until 12/31/23. Effective 1/1/24, this benefit will no longer be available
- Enjoy your first checked bag free on Delta flights
- Fee Credit for Global Entry or TSA PreCheck® after you apply through any Authorized Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck
- No foreign transaction fees
- $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 frequently book travel with Delta Air Lines
- Your frequent travel also has you making numerous hotel bookings each year
- You tend to make dining and supermarket purchases on the same card for convenience and enhanced points earning potential
- You're looking to enroll in TSA PreCheck or Global Entry
- You're looking for a card with elevated travel perks for both you and those who join you
Delta SkyMiles® Gold American Express Card
Delta SkyMiles® Gold 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
Featuring a sizable introductory bonus and convenient perks that frequent travelers adore like priority boarding and a free first checked bag, the Delta SkyMiles® Gold American Express Card is a solid travel partner for loyal Delta flyers.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6 months
- Enjoy a $0 introductory Annual Fee for the first year, then $99
- Enjoy your first checked bag free on Delta flights
- Cardmembers can get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees
- Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
- Earn 1X Mile on all other eligible purchases
- $100 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, receive a Credit to use toward future travel
- Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com
- Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card
- No Foreign Transaction Fees
- With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today
- 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: $0 for the first year, then $99
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You want to earn 2X miles on Delta purchases
- You are interested in earning 2X miles at supermarkets in the U.S. and on dining worldwide, including takeout and delivery in the U.S.
- You are interested in earning 40,000 bonus miles after making $2,000 in purchases in the first three months of card ownership
- You don’t want to pay foreign transaction fees while you travel with your airline rewards card
Delta SkyMiles® Blue American Express Credit Card
Delta SkyMiles® Blue American Express Credit 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
Frequent travelers who are still up in the air about which credit card may suit them best should consider what the Delta SkyMiles® Blue American Express Card brings to the table.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- No foreign transaction fees
- 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 travel often and wish to earn 2X miles at U.S. restaurants and on Delta purchases
- You want to save 20% on Delta in-flight purchases such as food, beverages, and headphones
- You are likely to make $1,000 in purchases with this card within the first six months of the account opening to qualify for the welcome offer
- You don’t want to pay an annual fee or a foreign transaction fee
Delta SkyMiles® Reserve Business American Express Card
Delta SkyMiles® Reserve 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
If you or your employees regularly fly Delta, the Delta SkyMiles® Reserve Business American Express Card’s introductory bonuses and travel-specific perks are well worth the hefty $550 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Limited Time Offer: Earn 100,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 8/2/23
- Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees
- With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections. You'll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you're traveling together
- When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge - The Centurion® Studio Partner
- After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that's an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X)
- Enjoy 3x miles per dollar on eligible Delta purchases
- With Status Boost®, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to 4x per year getting you closer to Medallion Status
- Terms and limitations 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: $550
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $39
- You travel frequently for work or have employees who do, and want to accumulate bonus miles while tracking spending habits
- You spend heavily with Delta Airlines
- You're looking forward to complimentary Delta Sky Club® access, priority boarding, and a free checked bag
- You don’t want to pay any foreign transaction fees
Delta SkyMiles® Platinum Business American Express Card
Delta SkyMiles® Platinum 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
Companies with employees that frequently fly Delta for business may want to consider the excellent benefits available to them when using the Delta SkyMiles® Platinum Business American Express Card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Limited Time Offer: Earn 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 8/2/23
- Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy exclusive savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees
- You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Take a friend or family member when you fly Delta. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details
- Earn more miles on big purchases with 1.5 miles per dollar on single eligible purchases of $5,000 or more (that's an extra half mile per dollar), up to 50,000 additional miles per year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta and hotels instead of 1.5X)
- Delta Sky Club® Access - Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests while flying together on Delta
- With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to 2x per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different from the Miles you earn towards flights
- Terms and limitations 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: $250
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $39
- You fly Delta often for work
- You use your credit card to make large purchases
- You want convenient travel perks including in-flight purchase discounts, a free first checked bag, priority boarding, and more
- You don’t want to pay any foreign transaction fees
Delta SkyMiles® Gold Business American Express Card
Delta SkyMiles® Gold 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
Featuring a sizable welcome offer and convenient perks that frequent travelers adore like priority boarding and a free first checked bag, the Delta SkyMiles® Gold Business American Express Card is a reliable travel partner for loyal Delta flyers.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Limited Time Offer: Earn 70,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 8/2/23
- Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy exclusive savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees
- Check or stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding
- Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent at restaurants. Earn 1 Mile on every eligible dollar spent on other purchases
- Additionally, receive a $100 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year
- Pay no foreign transaction fees when you travel overseas
- $0 introductory annual fee for the first year, then $99
- Terms and limitations 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: $0 for the first year. After that, $99
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $39
- You're interested in earning 2X miles on dining
- You want to earn 5X miles on Delta purchases
- You want to earn enhanced rewards for purchases in advertising and U.S. shipping
- You want to earn 50,000 bonus miles after making $2,000 in purchases in the first three months of card ownership
- You don’t want to pay foreign transaction fees while you travel with your airline rewards card
Lowe's Business Rewards Card
Lowe's Business Rewards 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 Lowe’s Business Rewards Card from American Express is a great business rewards card for those who want to earn 3% cash back while making everyday business purchases at restaurants and office supply stores, as well as 2% cash back during their trips to Lowe’s. Do-it-yourselfers will be pleased to know that they can earn a welcome offer of $100 in cash back as soon as they’re approved for the card (as a statement credit – see terms).
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 5% cash back on purchases at Lowe's
- 3% cash back at restaurants, office supply stores & wireless telephone services
- 2% cash back on Lowe's purchases
- 1% cash back on all other purchases
- 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
- 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 own a business and frequently shop at Lowe’s home improvement stores
- You want to earn 3% cash back on everyday business purchases at restaurants and office supply stores, 2% cash back while shopping at Lowe’s, and 1% cash back on all other eligible purchases
- You want an easy welcome offer in the form of a $100 cash back statement credit as soon as your account is opened
Bluebird® by American Express
Bluebird® by American Express
At a Glance
Bluebird® American Express is a prepaid card Amex offers in conjunction with Walmart. The card is similar to a Walmart and Amex prepaid gift card, but it offers far more than any reloadable gift card ever could. The card gives users the flexibility of shopping at any merchant that accepts American Express while also allowing for the withdrawal of cash at ATMs, similar to a debit card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Send and receive money, link your debit card to your Account, and add funds via direct deposit
- Enjoy American Express cardmember benefits like purchase and fraud protection, as well as roadside assistance, exclusive access to entertainment and sporting events a more
- Free (and Flexible) Direct Deposit, no monthly fees and no overdraft fees, and free Bill Pay
- Use your card to shop anywhere American Express is accepted
- You want a card with virtually no monthly fee, annual fee, minimum balance, or minimum deposit
- You don’t want a hard pull on your credit history
- You aren’t sure whether to choose a gift card vs. a prepaid card
- You want credit card features (purchase protection, fraud protection, roadside assistance, etc.) without the risk of overspending
- You don’t have a bank account but want a repository for direct deposits
American Express Serve®
American Express Serve®
At a Glance
The American Express Serve Card is a prepaid debit card from the credit card company, American Express. The card is ideal for anyone who doesn’t want the hassle of a traditional credit card but still prefers to customer service and security that comes with such a card. The Serve the card gives users the flexibility of shopping at any merchant that accepts American Express while also allowing for the withdrawal of cash at MoneyPass ATMs, similar to what you can expect from a debit card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Get your money up to 2 days faster with early direct deposit
- Free withdrawals at over 24,000 MoneyPass ATM locations nationwide
- Transfer cash or pay bills online without a hassle
- Access and manage your account on the go via your phone
- Foreign Transaction Fee: 2.7% on each transaction after conversion to U.S. dollars
- You do't want a hard pull on your credit history
- You aren’t sure whether to choose a gift card vs. a prepaid card
- You want credit card features (purchase protection, fraud protection, roadside assistance, etc.) without the risk of overspending or a credit check
- You don’t have a bank account but want a repository for direct deposits
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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.
Guide to Amex Offers
Amex Offers is a merchant discount program offered through American Express. The Offers service is open to all American Express cardholders, except for corporate and prepaid cards. The program offers targeted chances to earn statement credits, bonus cash back, or additional Membership Rewards points on eligible purchases.
How to Find Offers
To view available offers, log in to your Amex account and navigate to the “Amex Offers & Benefits” tab.
Remember that merchant offers may vary for each Amex card you hold. Therefore, only add Amex Offers to the card you plan on using to take advantage of the deal.
Eligibility for Amex Offers
Unlike other issuers, Amex Offers are available for practically every Amex cardholder. All American Express credit accounts, except for corporate cards and prepaid cards, enjoy access to Amex Offers. This means that Serve and Bluebird prepaid cards are not eligible for these offers.
How Amex Offers Work
The American Express merchant offers program is easy to access and use:
- Log on to your American Express dashboard at Amex’s website or the American Express mobile app.
- Navigate to the “Amex Offers & Benefits” section.
- Click “View All” to see all available offers for your card.
- Once added to your card, offers will appear under the “Added to Card” tab.
- Shop at the merchant using the eligible card. The savings will be reflected on your account within 14 days of the purchase.
It’s a good idea to regularly check the Offers tab to see if there are any promotions for you. Amex Offers differ from card to card, and some offers might appear hidden. But don’t worry – here’s how you can still access them.
American Express limits the number of offers visible to 100. This means that cardmembers who have not selected any offers cannot view new offers until existing ones either expire or are chosen by the cardholder. To see more deals, simply keep adding offers to your card – even if you don’t plan on using them. You never know what hidden deals might be just below the fold – including savings on TSA Precheck or CLEAR Membership.
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.
Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.