Featured American Express Credit Cards

Benefits

Right off the bat, Blue Cash Everyday® Card from American Express cardholders can earn a welcome bonus in the form of a $200 statement credit by making $2,000 in purchases over their first 6 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. Cash back comes in the form of statement credits.

The costs associated with this card are low. For starters there’s no annual fee. Additionally there’s a 0% introductory APR on purchases for 15 months after account opening. After, a variable APR of 15.49% - 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 100+ stores. You’ll also be able to bypass the typical annual membership fee associated with the program, though enrollment is required. Terms 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.

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%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit including rideshare, parking, tolls and more, and 1% cash back on other spending. Cash back comes in the form of statement credits.

You’ll also earn a $350 welcome bonus in the form of a statement credit when you spend $3,000 or more over your initial 6 months with an account. Plus, you’ll receive free access to the ShopRunner program which offers free two-day shipping, with more than 1,000 brands and 100+ stores to order from (enrollment required).

Purchases are subject to a 0% introductory APR for 12 months. After, a variable APR of 15.49% - 25.49% will apply. Terms 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.

Benefits

Frequent travelers should consider The Platinum Card® from American Express. Any flights booked directly with airlines or American Express Travel will earn 5x points on up to $500,000 on these purchases per year. Plus, any hotel stays booked and pre-paid at eligible hotel brands through American Express Travel garner 5x points. You’ll earn 1x points on other eligible purchases.

By spending at least $6,000 in the first six months you have an account, you can earn a welcome bonus equal to 100,000 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 (enrollment is required).

If you travel, any international spending won’t accrue foreign transaction charges. Other benefits include access to the American Express Global Lounge Collection, gold status with Hilton Honors and Marriott Bonvoy, memberships with Hertz Gold Plus Rewards, Avis Preferred and National Car Rental Emerald Club Executive and full access to American Express Fine Hotels & Resorts (enrollment required). Terms Apply.

Things to Consider

Most importantly there is a hefty $695 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 annual fee for those that qualify.

Benefits

Zero interest has hardly ever found a better home than with the Amex EveryDay Credit Card. For your first 15 months with an account, a 0% introductory APR is applied to all purchases. After the first 15 months, an APR of 13.24% - 24.24% variable will apply. There’s no annual fee, further lowering your cardholder costs.

A rewards program accompanies this card too, with a 10,000-point welcome bonus offer 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 up to the first $6,000 annually, then 1 point per dollar, 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. Terms Apply.

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.