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Featured American Express Credit Cards

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by Chris Thompson | Updated Apr. 25, 2018

Overview of the Featured American Express Credit Cards

American Express is one of the most influential credit card issuers in the U.S., offering every type of card you could imagine. So boiling down which of their options deserve the most attention from you, the cardholder, is an exhaustive process, but these are our final selections!


Featured All Around Card

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  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.

Annual Fee

$0

Purchase Intro APR

0% on Purchases for 15 months

Balance Transfer Intro APR

0% on Balance Transfers for 15 months

Regular APR

14.74%-25.74% Variable

Benefits

Right off the bat, new Blue Cash Everyday® Card from American Express cardholders can earn a $150 statement credit by making $1,000 in purchases over their first three months. But most of your earnings will come from the following rates: 3% cash back on up to $6,000 of purchases per year (then 1%) at U.S. supermarkets, 2% cash back at U.S. gas stations and select U.S. departments stores and 1% cash back on other purchases.

The costs associated with this card are low. For starters there’s no annual fee. Additionally there’s a 0% introductory APR on purchases and balance transfers for 15 months. After, a variable APR of 14.49%-25.49% will apply.

Amex’s ShopRunner program allows members to get free two-day shipping on their online shopping with thousands of brands at over 140+ stores. You’ll also be able to bypass the typical $79 annual membership fee associated with the program, though some terms may apply.

Things to Consider

The 3% cash back rate given for U.S. supermarket purchases is capped at $6,000 spent each year, limiting your ultimate rewards potential. Once you’ve reached that limit, you’ll earn 1% back.

Our Verdict

The Blue Cash Everyday® Card from American Express is a great balance between low cardholder costs and rewards possibilities. You could even end up not paying anything extra for your first 15 months, if used responsibly.

Featured Amex Card for Cash Back

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  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms Apply.

Annual Fee

$95

Purchase Intro APR

0% on Purchases for 12 months

Balance Transfer Intro APR

0% on Balance Transfers for 12 months

Regular APR

14.74%-25.74% Variable

Benefits

Few, if any, credit cards can match the pure cash back earnings of the Blue Cash Preferred® Card from American Express. You’ll get 6% cash back on up to $6,000 in purchases per year at U.S. supermarkets (then 1%), 3% cash back at U.S. gas stations and specific U.S. department stores, and 1% cash back on other spending.

You’ll also receive a $200 statement credit to help you pay off your next monthly bill when you spend $1,000 or more over your initial three months with an account. Plus, you’ll receive free access to the ShopRunner program which typically costs $79 per year and offers free two-day shipping, with more than 1,000 brands and 140+ stores to order from.

Purchases and balance transfers are subject to a 0% introductory APR for 12 months. After, a variable APR of 14.49%-25.49% will apply.

Things to Consider

This card has a $95 annual fee, which puts a small damper on the cash back you’ll earn.

Additionally, as great as 6% cash back at U.S. supermarkets sounds, it’s capped at $6,000 spent annually. After that you’ll earn 1% back.

Verdict

You’re going to have to pay up to get the Blue Cash Preferred® Card from American Express in your wallet. But if you spend enough, it’s well worth the cost.

Featured American Express Credit Card for Hotels

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  • Earn a $100 statement credit after you make $1,000 in purchases on the Card within your first 3 months of Card Membership.
  • Plus, earn an additional $100 statement credit after your first purchase on the Card at a participating SPG® or Marriott Rewards® hotel within your first 6 months of Card Membership.
  • From now through July 31, 2018: Earn 2 Starpoints® for every dollar of eligible purchases on the Card at participating SPG® and Marriott Rewards® hotels. Earn 1 Starpoint for all other eligible purchases.
  • Note: On August 1, 2018, SPG will convert every one Starpoint in a loyalty member account to three points. In general, corresponding redemption changes will occur. Visit members.marriott.com for details.
  • Effective August 1, 2018: Earn 6 points for every dollar of eligible purchases on the Card at participating SPG® and Marriott Rewards® hotels. Earn 2 points for all other eligible purchases.
  • No Foreign Transaction Fees on International purchases.
  • Redeem Starpoints® for free flights on on over150 airlines with SPG Flights, all with no blackout dates. Transfer Starpoints to over 30 airline frequent flyer programs, mostly on a one-to-one basis. Receive a 5,000 Starpoint bonus when you transfer 20,000 Starpoints to a participating frequent flyer program.
  • $0 introductory annual fee for the first year, then $95.
  • Terms Apply.

Annual Fee

$0 introductory annual fee for the first year, then $95.

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

16.99%-20.99% Variable

Benefits

The Starwood Preferred Guest® Credit Card from American Express is a prime example of a hotel rewards card that will apply to some very popular brands. Starwood Hotel brands include the likes of Sheraton, Meridien and Westin, with some Marriott hotels being a part of this rewards program as well.

Cardholders can earn up to 5x Starpoints® on eligible purchases at participating Starwood hotels – that is 2 points as a cardmember on top of the 2 or 3 points you can earn as an SPG member. The amount of points you earn as an SPG member varies by membership level. Earn 2x Starpoints® with eligible Marriott Rewards® hotels, as well as 1x Starpoints® on all other eligible purchases. While you can redeem these rewards earnings for nights at eligible hotels, you can also transfer them to over 30 airline frequent flyer programs, mostly on a 1:1 basis.

You’ll receive a $0 introductory annual fee for the first year, though it’ll be $95 per year afterward. You can use your card abroad as often as you want, as there are no foreign transaction fees to worry about.

Things to Consider

The $95 annual fee after the first year could be considered hefty by some.

Verdict

Are you already loyal to Starwood and Marriott hotels when you’re traveling? Then give the Starwood Preferred Guest® Credit Card from American Express a serious look, because it’s simply well worth the attention it receives.

Featured Amex Card for Travel

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  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Up to $200 for Uber rides annually. Credit and Uber VIP status available to Basic Card Member only.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards® points on eligible hotels booked on amextravel.com.
  • As a Platinum Card Member, you can enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • $550 annual fee
  • Terms Apply.

Annual Fee

$550

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

N/A

Benefits

Frequent travelers should consider the Platinum Card® from American Express. Any flights booked directly with airlines or American Express Travel and any hotel stays reserved through amextravel.com at eligible hotel brands garner 5x points. You’ll earn 1x points on other eligible purchases.

By spending at least $5,000 in the first three months you have an account, you can earn 60,000 bonus points. Furthermore you’ll receive up to a $200 credit annually that you can use to help cover any fees induced by airlines. Please note, you must select one qualifying airline and use your Platinum Card® to charge the incidental fees.

Interest charges are completely absent from this card’s rates and fees -- a fact that may come as a surprise. Any international spending won’t accrue foreign transaction charges, either.

Things to Consider

Although you won’t get charged interest on any balances you build up as a cardholder, you will be required to pay off those totals at the end of each billing cycle.

Most importantly there is a hefty $550 annual fee for The Platinum Card® from American Express.

Verdict

If you’ve got the spending power and you’re frequently on the move, this card has the opportunity to earn some excellent rewards, making it worth its $550 annual fee for those that qualify.

Featured Amex for Zero APR

More Details

  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%.
  • $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • No annual fee
  • Terms Apply.

Annual Fee

$0

Purchase Intro APR

0% on purchases for 15 months

Balance Transfer Intro APR

0% on balance transfers for 15 months

Regular APR

14.74%-25.74% Variable

Benefits

Zero interest has hardly ever found a better home than with The Amex EveryDay® Credit Card from American Express. For your first 15 months with an account, a 0% introductory APR is applied to all purchases and on any balance transfers completed within 60 days of your account’s opening. After the first 15 months, an APR of 14.49%-25.49% variable will apply. There’s no annual fee and no balance transfer fee if transfer is requested within first 60 days, further lowering your cardholder costs.

A rewards program accompanies this card too, with a 10,000-point Membership Rewards® bonus available to anyone who spends $1,000 or more during their first three months with the card. Purchases made at U.S. supermarkets earn 2 points per dollar spent (terms apply), along with 1 point per dollar on other transactions.

Finally, a rather unique perk: Cardholders who use their Amex EveryDay® Credit Card 20 or more times over the course of any month will get a 20% boost to their rewards earned over that period.

Things to Consider

As great as 2x points at U.S. supermarkets sounds, it isn’t an unlimited rewards benefit. Once you’ve spent $6,000 in that category over the course of a calendar year, that rate will fall to a base of 1x points.

Making a late or returned payment as a cardholder could have dire consequences. If this were to happen, a 29.99% variable penalty APR might apply to your account’s balances.

Verdict

The low costs and decent rewards program that you’d receive as an Amex EveryDay® Credit cardholder could help create the stability that just about anyone is looking for in their financial life. In other words, apply for this card confident you’re making a good decision.

Methodology

SmartAsset has developed a quantitative and independent system for evaluating the relative value of a credit card offer versus other offers in the marketplace. Our system evaluates cards based exclusively on their features, such as their rewards earning rate (if applicable), fees, perks, and rewards program redemption options. The annual rewards values on this page are calculated using annual spending assumptions in various categories such as, but not limited to, gas, restaurants, airfare, and US supermarkets. These spending assumptions are built on research that SmartAsset has conducted on existing cash back credit cardholders. Our promise with our credit card recommendations is that we will always strive to have the most comprehensive, accurate, and objective method of evaluating credit card offers. Any recommendations are solely determined by the result of this research and model, and is never influenced by any fees, commissions, or other forms of compensation that SmartAsset may receive from credit card issuers for leads generated on our website.

Editorial Note: This content is not provided by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

Advertiser Disclosure: The card offers that appear on this site are from companies from which SmartAsset.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SmartAsset.com does not include all card companies or all card offers available in the marketplace.

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