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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
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
BOK Financial Premier Rewards American Express®
BOK Financial Premier Rewards American Express®
- 13.99% to 22.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 13.99% to 22.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 23.99% variable based on the Prime Rate Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No foreign transaction fee
- Earn 4x points on restaurant purchases and 3x points on airline purchases
- 10,000 bonus points when you spend $1,00 in the first 3 months
- No annual fee for the first year
- Regular Purchase APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the transfer amount, whichever is greater
- Cash Advance APR: 23.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the cash advance amount, whichever is greater
- Annual Fee: $0 for the first 12 months. After that $99
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $35
- N/A
American Express® / Business Extra® Corporate Card
American Express® / Business Extra® Corporate Card
- See Terms Regular Purchase APR
At a Glance
The American Express® / Business Extra® Corporate Card is an airline rewards card for large corporations that frequently send employees on travel with American Airlines, British Airlines, Japan Airlines, Iberia, or other codeshare carriers.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 1 Business Extra point per $5 spent on the base airfare of eligible American Airlines flights
- Earn 1 point for every $20 spent on other eligible spending
- Earn up to 6% in rebates for your business on the first $1,500,000 spent on flown eligible American Airlines airfare purchases each year
- Get a $50 Flight Discount for every $5,000 of eligible purchases
- Regular Purchase APR: See Terms
- Annual Fee: $75 per cardmember
- Foreign Transaction Fee: See Terms
- Late Payment Penalty Fee: See Terms
- You spend heavily on airfare
- You pay the balance due in full on your card every month
- You want access to exclusive American Airlines rebates and flight discounts
Blue from American Express®
Blue from American Express®
- 23.99% variable based on the Prime Rate Regular Purchase APR
- 25.24% variable based on the Prime Rate Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 2X points on travel when booked through AmexTravel.com
- 1X points on all other purchases
- Unlimited earnings
- Redeem points towards merchandise or as statement credit
- Regular Purchase APR: 23.99% variable based on the Prime Rate
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- 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
- N/A
U.S. Bank Cash 365™ American Express® Card
U.S. Bank Cash 365™ American Express® Card
- 14.99% to 24.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.99% to 24.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 24.99% variable based on the Prime Rate Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn a $150 cash back bonus after making $500 in eligible net purchases within the first 90 days of account opening
- Travel more than 100 miles from home and you'll have 24/7 access to medical, legal, and financial help if the unexpected happens
- Receive reimbursement of the price difference on an eligible item purchased entirely with your Card if an identical item is found for a lower price within 30 days of the purchase
- Get your cash back in the form of a statement credit, a direct deposit into your U.S. Bank checking or savings account, or as a rewards card
- Regular Purchase APR: 14.99% to 24.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 60 days from account opening date
- Balance Transfer APR: 14.99% to 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either 4% of the amount of each advance or $10 minimum, whichever is greater
- Foreign Transaction Fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars, 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- N/A
USAA Military Affiliate American Express® Card
USAA Military Affiliate American Express® Card
- 10.9% to 25.9% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 10.9% to 25.9% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 10.9% to 25.9% variable based on creditworthiness and the Prime Rate Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 2,500 bonus points credited to your account with your first purchase
- Collision damage waiver coverage pays for physical damage and theft to most rental vehicles
- Identity theft resolutions services provides assistance should you become the victim of identity theft
- Extended warranty extends your manufacturers or U.S. store brand warranties for up to one year
- Regular Purchase APR: 10.9% to 25.9% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for the first 12 months from account opening
- Balance Transfer APR: 10.9% to 25.9% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transfer (maximum fee per transfer $200)
- Cash Advance APR: 10.9% to 25.9% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: 3% of the amount of each cash advance (maximum fee for each convenience check: $200). 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
- N/A
PenFed Pathfinder® Rewards Card
PenFed Pathfinder® Rewards Card
- 14.99% to 17.99%, based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.99% to 17.99%, based on creditworthiness and the Prime Rate Balance Transfer APR
- 12.74% to 17.99% Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Up to 4x points on all travel purchases (3x points if you're not a member of PenFed Honors Advantage)
- $100 annual air travel credit
- $100 Global Entry fee credit, or $85 TSA Precheck fee credit when you use your card to pay
- 1.5x points on all other, non-travel purchases
- Regular Purchase APR: 14.99% to 17.99%, based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% promotional balance transfer rate for 12 months on transfers made between now and September 30, 2019.
- Balance Transfer APR: 14.99% to 17.99%, based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% per transactio
- Cash Advance APR: 12.74% to 17.99%
- Cash Advance Transaction Fee: 5% or $5 minimum per cash advance
- Penalty APR: 17.99% if your minimum is not received within 60 days
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
- N/A
Liberty Bank Premier Rewards American Express® Card
Liberty Bank Premier Rewards American Express® Card
- 14.49% to 23.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.49% to 23.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 23.99% variable based on the Prime Rate Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 4 points per $1 spent on eligible net restaurant purchases
- Earn 3 points per $1 spent on eligible net airline purchases
- Earn 2 points for every $1 spent on eligible net gas station purchases
- Earn 1 point for every $1 spent on all other eligible net purchases
- No caps or limits on the points you can earn, plus you have five years to redeem points for rewards
- No foreign transaction fees
- Regular Purchase APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 14.49% to 23.49% 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: 23.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Annual Fee: None the first year. After that, $99
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- N/A
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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.