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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
U.S. Bank FlexPerks® Gold American Express® Card
U.S. Bank FlexPerks® Gold American Express® Card
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The U.S. Bank FlexPerks Gold American Express Card is a reliable – and powerful – travel rewards credit card from U.S. Bank. The card earns 3x points on restaurant purchases, 2x points with gas station and airline purchases, and 1x points on all other purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 5X FlexPoints on prepaid hotels and rental cars
- 3X FlexPoints at restaurants, 2X FlexPoints at gas stations, 2X FlexPoints at airlines, and 1X FlexPoints per $1 spent on all other eligible Net Purchases
- Enjoy an automatic statement credit reimbursement for TSA Precheck® or Global Entry
- Complimentary Boingo Wi-Fi at over 1 million hotspots worldwide
- Regular Purchase APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 19.74% to 29.74% 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
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
- Annual Fee: $85
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You travel often, especially on flights
- You dine out – or while traveling – and plan to use your card to cover these purchases
- You want a travel card with no foreign transaction fees
- You dislike waiting in security lines at the airport and want a statement credit for TSA Precheck
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
- 19.24% to 29.99% variable based on creditworthiness the Prime Rate Regular Purchase APR
- 19.24% to 29.99% variable based on creditworthiness the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
Through the Blue Cash Preferred® Card from American Express, you can earn sizable cash back rewards on purchases in common categories, including 6% cash back at U.S. supermarkets on up to $6,000 in annual purchases (then 1%), 3% cash back at U.S. gas stations and select U.S. department stores, and 1% on all other purchases. You can also earn $300 back in the form of a statement credit after you make $3,000 in purchases using your new card in the first six months of the account being open.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
- 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 at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit
- Get up to $120 in statement credits annually when you pay for an Equinox+ membership at equinoxplus.com with your Blue Cash Preferred® Card. That's $10 in statement credits each month. Enrollment required.
- Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $12.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required.
- Terms Apply.
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 19.24% to 29.99% variable based on creditworthiness the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 19.24% to 29.99% 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: 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 $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
- You budget for family spending and want a credit card that earns significant cash back
- You'll spend a lot of money on groceries to take advantage 6% cash back at U.S. supermarkets on up to $6,000 in annual purchases (then 1% after that)
- You're excited at the prospect of earning 6% cash back with select streaming services
- You want to capitalize on your commute with 3% cash back at U.S. gas stations (and select U.S. department stores)
- You'll take advantage of 3% cash back on transit (taxis/rideshare, parking and tolls, trains, buses and more), and 1% on all other purchases
- You're likely to make $3,000 in purchases within the first six months of the account opening to qualify for a one-time $300 statement credit
- You cook at home often and commute to work and school regularly, or make use of public transit regularly
USAA Rewards™ American Express® Card
USAA Rewards™ American Express® Card
- 14.9% to 30.9% variable based on creditworthiness Regular Purchase APR
- 14.9% to 30.9% variable based on creditworthiness Balance Transfer APR
- 14.9% to 30.9% variable based on creditworthiness Cash Advance APR
At a Glance
The USAA Rewards™ American Express® Card is designed to reward cardholders who use it for everyday things such as gas, groceries, and dining out. Once enough rewards points are earned they can be redeemed for cruises, airline tickets, gift cards, or cash.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Unlimited Points — 3X points for dining out, 2X points on gas and groceries, and 1X points for every dollar spent on other purchases
- No annual fee
- Added Protection — We help give you peace of mind with: Experienced support if your identity is stolen, extended warranties on your purchases, and travel accident and baggage delay insurance
- Pay no foreign transaction fees when you travel outside the U.S.
- Regular Purchase APR: 14.9% to 30.9% variable based on creditworthiness
- Intro Balance Transfer APR: 0% Introductory APR through your 02/01/2024 billing cycle
- Balance Transfer APR: 14.9% to 30.9% variable based on creditworthiness
- Balance Transfer Transaction Fee: 3% of the amount of each transfer
- Cash Advance APR: 14.9% to 30.9% variable based on creditworthiness
- Cash Advance Transaction Fee: 3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $35
- You're in the U.S. military or are related to someone in the U.S. military
- You frequently dine out or spend money on gas
- You want a card with no annual fee
- You want no foreign transaction fees
The Plum Card® from American Express
The Plum Card® from American Express
At a Glance
Business owners searching for a business credit card with flexible payment options will find the Plum Card® from American Express as useful as it is unique. Offering cash back, flexible spending capacity and a 60-day grace period to pay off monthly balances, the Amex Plum Card is a credit option that’s perfect for accommodating new business owners, entrepreneurs, and freelancers with irregular income.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Paying early pays off: get a 1.5% Early Pay Discount on your statement on the amount paid within 10 days of your statement closing date and no cap on what you can earn back. Just pay the Minimum Due by the Payment Due Date
- Up to 60 days to pay with no interest
- Choose whether to receive your bill at the beginning, middle, or end of the month
- Annual fee waived the first year
- No preset spending limit
- Employee Plum Cards for no additional fee
- Annual Fee: $250
- Late Payment Penalty Fee: $39 or 1.5% of the past due amount, whichever is greater
- Return Payment Penalty Fee: $39
- You own or operate a business
- You want the option to earn cash back
- You have irregular cash flows and don’t want to be penalized for it
- You don’t want to pay an annual fee for employee cards
USAA® Cashback Rewards Plus American Express® Card
USAA® Cashback Rewards Plus American Express® Card
- 16.9% to 30.9% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 16.9% to 30.9% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 16.9% to 30.9% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The USAA® Cashback Rewards Plus American Express® Card helps cardholders who spend regularly on gas and groceries earn cash back, and offers special features for military members. They can also enjoy no foreign transaction fees, no annual fee, and no penalty APR.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Get free collision damage waiver coverage to pay for physical damage and theft to most vehicle rentals
- Extend your manufacturers warranty at no extra cost
- Earn 5% cash back on your first $3,000 in combined gas station and military base Purchases yearly
- Earn 2% cash back on your first $3,000 in grocery Purchases yearly
- Earn 1% on all your other card purchases
- Regular Purchase APR: 16.9% to 30.9% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% Introductory APR through your 02/01/2024 billing cycle
- Balance Transfer APR: 16.9% to 30.9% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transfer
- Cash Advance APR: 16.9% to 30.9% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: 3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $35
- You're in the U.S. military or are related to someone in the U.S. military
- You want cash back on regular purchases such as gas and groceries
- You want no annual fee
- You want no foreign transaction fees
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
Dillard's Elite American Express® Card
Dillard's Elite American Express® Card
- 30.24% variable based on the Prime Rate Regular Purchase APR
- 32.24% variable based on the Prime Rate Cash Advance APR
At a Glance
Dillard’s Elite American Express® Card is a significant jump in credit card perks compared to the Classic version of the card. Cardholders will still have 2X points on Dillard’s, gas station, and grocery store purchases. Now, however, they can earn double points with special events each month for 4X points per Dillard’s purchase plus additional store perks like free shipping on all online orders – still with no annual fee
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Your choice of $10 Rewards Certificate of 10% Off Shopping Pass for every 1,500 points earned
- 2X points at Dillard's (in-store and online)
- 2X points at gas stations and grocery stores
- 1X points on all other purchases
- Free standard shipping on all purchases
- Up to 24 months of interest-free financing on select Dillard merchandise
- Free gift wrapping for in-store purchases
- Monthly bonuses for double the points (4X)
- Early access to sales and private shopping events
- Regular Purchase APR: 30.24% variable based on the Prime Rate
- Cash Advance APR: 32.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- You annually spend $2,000+ at Dillard’s
- You primarily shop online or don’t live near a brick-and-mortar Dillard’s store
- You spend less than $150 per online order
- You will pay your monthly balance in full each month
- You want unlimited rewards for department store purchases
NASCAR® American Express® Card
NASCAR® American Express® Card
- 28.99% variable based on the Prime Rate Regular Purchase APR
- 28.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The NASCAR® American Express® Card from Credit One is a basic cash back card with a stock car flair. The card earns 1% back on eligible purchases, with additional NASCAR perks like store discounts and free access to Scanner on Desktop or within the NASCAR® mobile app for the 2022 race season. The card is open to those rebuilding their credit scores, as well as to individuals with good to excellent scores, meaning it is designed with almost every NASCAR fan in mind.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 1% cash back on eligible purchases
- Receive exclusive offers and discounts from NASCAR
- Enjoy free access to Scanner on Desktop or within the NASCAR® mobile app for the 2022 race seaso
- Regular Purchase APR: 28.99% variable based on the Prime Rate
- Cash Advance APR: 28.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 8% of the amount of each Cash Advance, whichever is greater, or $10 or 3% of each Cash Advance, whichever is greater, or $10 or 5% of each Cash Advance, whichever is greater
- Annual Fee: $0 or $39
- Foreign Transaction Fee: Either $1 or 3% of each purchase in U.S. dollars, whichever is greater
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- You're rebuilding your credit and want to earn cash back rewards
- You frequently make purchases at the NASCAR Shop
- You're a huge motor racing fa
The Blue Business® Plus Credit Card from American Express
The Blue Business® Plus Credit Card from American Express
- 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 Blue Business® Plus Credit Card from American Express is a business rewards credit card that streamlines the Membership Rewards® points earning process by offering 2X points on everyday business purchases with no category restrictions, up to $50,000 annually. You can also spend above your credit limit with this card, so long as you remember to pay off those purchases above your credit limit in full that same month.
- 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 at account opening. APR will not exceed 29.99%
- 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 per year, 1 point per dollar thereafter.
- You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *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
- 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 run a business and are likely to have $50,000 in expenses in the next year, maximizing your 2X Membership Rewards® points earning potential
- You want the flexibility of being able to spend above your credit limit should company emergencies arise
- You do not want to incur annual fees for your card or employee cards
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What is the American Express Network?
American Express (also known as Amex) is the third-largest payment network in the United States and the fourth largest globally. Approximately 10% of all U.S. credit cards feature an Amex logo – far lower than Visa or Mastercard. Amex issues charge cards (like the famed Amex Gold), credit cards, and prepaid debit cards.
Interestingly, while American Express has fewer cardholders than Visa or Mastercard, the American Express brand has a higher purchasing volume than the other two. This discrepancy is due to many Amex users having larger budgets than other credit cardholders.
Because of this disparity in personal finance, the Amex brand (and its helmet-clad logo) has an air of prestige and affluence about it. Perhaps that’s why cards from American Express continue to attract attention and new accounts.
How Does Amex Differ from Visa and Mastercard?
American Express, like Discover, both issues credit cards and acts as a payment network for other banks. In this regard, the two issuers differ from Mastercard and Visa significantly. Both of those payment networks only issue cards.
Because Visa and MasterCard do not issue their own cards, they make their money through fees. These processing fees are shared between the bank, the merchant, and the cardholder. Both American Express and Discover operate their own in-house payment network, simplifying the process and reducing the number of fees passed on to the consumer.
More and More Merchants Are Now Accepting American Express
While the American Express Network payment system is streamlined, this doesn’t always mean lower fees for all. Amex cards used to be known for high merchant fees (also known as interchange fees or swipe fees). This was because all American Express cards were formerly charge cards. Charge cards require payment in full each month, so they don’t accrue interest in the same way as other credit cards.
To make money, Amex charged higher fees to stores. Because of this, many retailers refused to carry American Express Cards, as they were too expensive to be worthwhile.
Fortunately, the American Express Network has made great strides in lowering fees through negotiations with merchants. Today, more than 99% of U.S. merchants accept American Express, making it an excellent option for those in the United States.
Amex still has catching up to do as an international payment network, however – currently it lags behind Visa and Mastercard abroad.
How Amex is Similar to Other Payment Networks
While both Amex and Discover issue their own credit cards (and charge cards in the case of the American Express Network), they also operate as a payment network for other banks. Discover only offers a few other cards through Comenity. American Express, however, provides a wide variety of credit cards through other banks and financial institutions, including:
Features of Many American Express Network Credit Cards
Many American Express payment network cards feature similar benefits and protections from the issuing banks, including:
- No Foreign Transaction Fees
- EMV Chips
- Contactless Payment
- Emergency Global Cash Access
- Digital Wallet Integration (through Apple Pay, Google Pay, and Samsung Pay)
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.