9 Best American Express Cards: No fee, Travel, Dining

Best American ExpressCard
We recommend products based on unbiased research from our editorial team. We may receive compensation if you click on a link. Read More.

Who hasn’t heard of American Express?

It is a name synonymous with lavish shopping trips, extravagant vacations, and big bank accounts. However, American Express credit cards work for everybody, from big business owners to college students on a tight budget. If you have the right American Express card in your wallet, you can start stacking up big cash back rewards or cover the cost of your next vacation.

We sorted through all of the American Express credit cards available and found the best overall American Express credit card: the Amex EveryDay Preferred Credit Card.

The American Express Cards We RAVE About

Best No Annual Fee American Express Card
Wells Fargo Propel American Express Card
Wells Fargo Propel American Express Card
Best American Express Credit Card for Frequent Travelers
The Platinum Card from American Express
The Platinum Card from American Express
Best American Express Credit Card for Restaurants and Dining
American Express Gold Card
American Express Gold Card

American Express is one of the largest credit card providers in the country with over 30 different credit cards, both personal and business. They offer everything from no-annual-fee starter cards to premium rewards cards with high annual fees. With such a broad portfolio of credit cards, everybody can find a new card from American Express that works for them.

Membership Rewards Program

American Express offers many different kinds of cards, and many of their rewards earning cards are part of the Membership Rewards Program. Membership Rewards points are very different from most other hotel and airline loyalty programs. First off, Membership Rewards points are a flexible type of rewards point which means they can be redeemed for cash, gift cards, or travel.

The best part of the Membership Rewards Program is that you can transfer points to other hotel and airline loyalty programs. When you transfer your Membership Rewards points to other programs, you can get more value out of your points. The program has over 15 airline transfer partners, many of them at a 1:1 ratio. It also has three hotel loyalty program transfer partners. Not all transfer partners are equal though, and transferring to some programs will yield higher value than others.

Whenever you transfer points to another loyalty program, just be aware that you cannot send the points back to your Amex account. Because Membership Rewards points are so versatile and can be transferred to so many other loyalty programs, they can be worth up to 7 cents each with a great redemption. However, odds are that you will most likely earn about 2 cents per point.

Charge Cards vs. Credit Cards

American Express is unique in that they don’t just offer credit cards, but also charge cards. This type of card has mostly been phased out by banks, but American Express still has a handful of cards that fall into the charge card category.

Charge cards are different from credit cards in a couple of different ways. First off, the primary difference is that charge cards require the balance to be paid off in full each month. With a charge card, you can’t carry a balance from month to month like a credit card.

Because you can’t carry over a balance from month to month, there is no interest rate for charge cards. There isn’t revolving credit on these cards, so credit score requirements are usually higher to be approved.

For simplicity, we will treat charge cards and credit cards the same in this article. If a charge card is reviewed here, we will mention it is a charge card but still refer to it in the same way as we do credit cards.

Methodology

American Express offers such a multitude of credit card and charge card products that it can be difficult to decide which is best for you. They all have various rewards and benefits that it can be hard to determine if they are a good choice. You don’t want to get stuck with a card that doesn’t maximize your rewards potential.

We boiled down all of the possible American Express credit cards into various categories to help you make your decision. To evaluate these cards, we took the fees, bonus categories, and other perks into account. When evaluating American Express credit cards, we considered the following criteria:

  • Annual fee: Does this card have an annual fee? If so, how much and does the amount make sense for the card?
  • Sign-up bonus: Does the card have a sign-up bonus, and how much are the points or miles worth? How much money needs to be spent to get the bonus?
  • Bonus earning categories: In which categories does this card earn bonus points for every dollar you spend? Are there any limits or rules for earning the bonus points in these categories?
  • Other benefits: Does this card have other benefits or perks worth mentioning? How much value can be gained from these benefits?

Best Overall American Express Credit Card

Amex EveryDay Preferred Credit Card

Amex EveryDay Preferred Credit Card
  • Annual fee: $95
  • Sign-up bonus: 15,000 Membership Rewards points after spending $1,000 in the first 3 months of card membership
  • Bonus earning categories: Triple Membership Rewards points at U.S. supermarkets (up to $6,000 in purchases annually); double Membership Rewards points at U.S. gas stations and at AmexTravel.com; single Membership Rewards points on all other purchases
  • Other benefits: 50% bonus points when you use your card 30 or more times in a billing period; Membership Rewards points transfer to multiple airline loyalty programs; car rental loss and damage insurance; return protection; complimentary ShopRunner membership; 0% intro APR on balance transfers and purchases for the first 12 months
  • Pros: Points boost; solid sign-up bonus; generous bonus categories
  • Cons: Earning cap on triple points bonus category

When it comes to American Express cards, you may think that the best one would have a massive sign-up bonus and tons of lucrative perks leading to extravagant travel. But premium cards aren’t always a good choice for everybody, especially if you don’t care for large annual fees or only travel infrequently. That’s why we chose the Amex EveryDay Preferred Credit Card as the best overall American Express card.

The Amex EveryDay Preferred Credit Card features a generous sign-up bonus that doesn’t have a high spending requirement, making it manageable for pretty much everybody. You will earn 15,000 Membership Rewards points after spending just $1,000 in the first 3 months of having the card. The value of the sign-up bonus can be worth up to $300—a solid haul for a card with a manageable $95 annual fee.

This card also has bonus rewards categories that everybody uses regularly. You will earn three Membership Rewards points for every dollar spent at U.S. supermarkets (up to $6,000 spent each year) and two points at U.S. gas stations. Groceries and gas are guaranteed expenses each month for everybody regardless of your situation. You will also earn two points per dollar on travel expenses on Amextravel.com. All other purchases earn one Membership Rewards point per dollar.

The biggest kicker on this card is the points boost you get for using the card 30 or more times in each billing period. When you use the card 30 times or more in a billing cycle, you will earn an additional 50% of the points you’ve banked for the month. This feature alone has the potential to skyrocket your points balance. You can then use all of those points to transfer to one of the many airline and hotel transfer partners.

The card also features a 0% APR intro offer, return protection, car rental loss and damage insurance, and a complimentary ShopRunner membership. These features are small, but they are nice to have if you ever need them.

With a great sign-up bonus, a manageable annual fee, and generous rewards categories in which everybody spends each month, the Amex EveryDay Preferred Credit Card wins as the best overall American Express credit card.

Best American Express Credit Card for Frequent Travelers

The Platinum Card from American Express

The Platinum Card from American Express
  • Annual fee: $550
  • Sign-up bonus: 60,000 Membership Rewards points after spending $5,000 in the first 3 months of card membership
  • Bonus earning categories: Five times Membership Rewards points on flights booked directly with airlines and prepaid hotel stays booked on amextravel.com; single Membership Rewards point on all other purchases
  • Other benefits: $200 annual airline incidental fee credit; $200 Uber rideshare credit ($15 per month plus additional $20 in December); Global Lounge Collection; Fine Hotels & Resorts program; Marriott Bonvoy Gold Elite Status; Hilton Honors Gold Elite Status; Global Entry ($100) or TSA Pre-check ($85) enrollment fee credit; no foreign transaction fees; $100 annual statement credit to Saks Fifth Avenue ($50 January through June, and $50 July through December); return protection; car rental loss and damage insurance; baggage insurance; Membership Rewards points transfer to multiple airline loyalty programs; trip cancellation and interruption insurance; trip delay insurance
  • Pros: Multiple statement credits; hotel elite statuses; lucrative sign-up bonus
  • Cons: Large annual fee

When it comes to premium travel credit cards, the Platinum Card from American Express is a top contender. As you can see from its list of benefits, this card (which is actually a charge card) offers tons of value for cardholders. If you travel frequently or like to travel luxuriously, this is the card for you, and it’s our best American Express credit card for frequent travelers.

The sign-up bonus for the Platinum Card offers a ton of value and is one of the most lucrative out there. You will earn 60,000 Membership Rewards points after spending $5,000 on the card in the first 3 months from account opening. With Membership Rewards points worth up to 2 cents apiece, the sign-up bonus is valued at $1,200. That equates to two years of the annual fee ($550) and more.

Seeing as this is a premium travel card, it would be remiss to not mention its awesome travel-related bonus category. With this card, you will earn five Membership Rewards points for every dollar spent on flights booked directly with airlines and prepaid hotel bookings on Amextravel.com. That’s a 10% return on most of your travel expenses—unheard of with most credit cards! All other expenses on the card will earn one Membership Rewards point per dollar.

This card has so many benefits it would likely require a novel to explain the ins and outs of them. If you open this card, you will truly travel luxuriously. First off, you get a $200 incidental airline credit each year that can cover in-flight purchases, seat upgrades, or baggage, among others. You will be able to fly through TSA checkpoints and customs thanks to the TSA Pre-check or Global Entry enrollment credit.

As you wait for your flight, you will be able to relax, eat, and drink in one of the many lounges as part of the Global Lounge Collection. And then when you get to your destination, you can use your Uber credit to get to your Hilton or Marriott hotel, where you’ll enjoy the many perks of Gold elite status (like a nice upgrade). And to keep you at ease during your travel, you will get tons of travel protections like baggage insurance, trip cancellation and interruption insurance, trip delay insurance, and car rental loss and damage insurance.

If you love to travel frequently or travel in style, the Platinum Card from American Express should be your number one choice.

Best American Express Credit Card for Casual Travelers

American Express Green Card

American Express Green Card
  • Annual fee: $150
  • Sign-up bonus: 30,000 Membership Rewards points after spending $2,000 in the first 3 months from account opening
  • Bonus earning categories: Triple Membership Rewards points on travel-related purchases; triple Membership Rewards points on restaurants; single Membership Rewards points on all other purchases
  • Other benefits: $100 statement credit towards CLEAR membership; $100 LoungeBuddy statement credit; baggage insurance; car rental loss and damage insurance; purchase protection; extended warranty; trip delay insurance; Membership Rewards points transfer to multiple airline loyalty programs
  • Pros: Great sign-up bonus; big bonus categories; multiple statement credits
  • Cons: Above-average annual fee

The American Express Green Card is one of their oldest cards—and it previously didn’t have much going for it. However, American Express recently revamped the card (which is a charge card) and added tons of benefits, making it a solid travel card. It has improved so much that we selected it as the best American Express card for casual travelers.

First off, the card now features a great sign-up bonus worth up to $600. You will earn 30,000 Membership Rewards points after spending $2,000 on the card in the first 3 months from account opening. For a $150 annual fee, that is a pretty great sign-up bonus. All of the points you earn with the card can also be transferred to 18 different airline partners and three hotel partners. This allows you to maximize the value of every point you earn.

The card now earns three Membership Rewards points on all travel-related purchases—hotels, flights, car rentals, among others. It earns three Membership Rewards points on all restaurant purchases as well. The combination of both travel and restaurants reaping a high rewards return makes it a great card for all types of travelers. All other purchases earn one Membership Rewards point per dollar.

This card also comes packed with travel benefits. You will get a $100 statement credit toward CLEAR enrollment, which can help you fly through security before your flight. You will also get a $100 LoungeBuddy credit so you can relax at a lounge before jet setting. While traveling, you will also get different types of insurance to give you peace of mind. The card features baggage insurance, trip delay insurance, and car rental loss and damage insurance.

Hopefully, you won’t need to use them, but just in case, the card also has purchase protection and extended warranty for everything you buy with it. The many features on this card coupled with its great sign-up bonus make it the best American Express credit card for casual travelers.

Best American Express Credit Card for Restaurants & Dining

American Express Gold Card

American Express Gold Card
  • Annual fee: $250
  • Sign-up bonus: 35,000 Membership Rewards points after spending $4,000 on purchases in the first 3 months from account opening
  • Bonus earning categories: Quadruple Membership Rewards points at restaurants worldwide; quadruple Membership Rewards points at U.S. supermarkets (up to $25,000 spent annually); triple points for flights booked directly with airlines or on Amextravel.com; single Membership Rewards points on all other purchases
  • Other benefits: $100 annual airline incidental fee credit; no foreign transaction fees; car rental loss and damage insurance; $100 hotel credit on the Hotel Collection bookings through American Express Travel; $120 annual dining credit ($10 per month at participating dining partners); baggage insurance; trip delay reimbursement; Membership Rewards points transfer to multiple airline loyalty programs
  • Pros: Great sign-up bonus; lots of statement credits; travel insurance
  • Cons: Above average annual fee

The American Express Gold Card is one of the premier cards offered by American Express, falling between the Platinum Card and the Green Card. The thing that sets the Gold Card apart is its great earning on restaurants and grocery shopping coupled with solid earning on travel purchases.

The card (which is a charge card) features a solid sign-up bonus of 35,000 Membership Rewards points after spending $4,000 on the card within the first three months from account opening. Although the annual fee is a bit steep at $250, you can easily make up for it with its great bonus rewards categories.

The card earns four Membership Rewards points per dollar at restaurants and at U.S. supermarkets. That’s equivalent to an 8% return on all of your food expenses, both dining in and dining out. You will also earn three Membership Rewards points for all of your travel purchases like airline tickets, rental cars, home share stays, and hotel bookings. All other expenses on the card earn one Membership Rewards point per dollar.

Although it earns a lot for dining expenses, the Gold Card is definitely a travel card—just take a look at the many perks and benefits it offers for travelers. You get a $100 incidental airline credit each year for things like seat upgrades and baggage fees. It also features tons of travel protections like baggage insurance, trip delay reimbursement, and car rental loss and damage insurance. You will save tons of money abroad, thanks to no foreign transaction fees as well.

When you book a stay with the Hotel Collection through American Express Travel, you will also get a $100 hotel statement credit for expenses made during your stay. Since the card really rewards your dining choices, you will also get $10 credit per month ($120 total each year) to spend with participating dining partners.

Just like all cards that earn Membership Rewards points, you will be able to transfer your points to one of the many airline and hotel transfer partners. This can really help boost the value you get for every point you earn.

If you like to travel, eat out, or cook your own meals, the American Express Gold Card just might be the right choice for you!

Best American Express Credit Card for Families

Blue Cash Preferred Card from American Express

Blue Cash Preferred Card from American Express
  • Annual fee: $95
  • Sign-up bonus: $250 cash back (earned as statement credit) after spending $1,000 in the first 3 months from account opening
  • Bonus earning categories: 6% cash back at U.S. supermarkets (up to $6,000 in purchases per year); 6% cash back on select U.S. streaming services; 3% cash back at U.S. gas stations and on transit expenses; 1% cash back on everything else
  • Other benefits: 0% intro APR on purchases and balance transfers for 12 months; return protection; extended warranty; secondary rental car insurance
  • Pros: Great rewards for families; generous sign-up bonus
  • Cons: Minimal extra benefits

Families tend to have very specific spending habits that make the Blue Cash Preferred Card from American Express an absolute no brainer. Families have much higher grocery store bills, have to drive the kids to all of their various activities, and love to watch all of their favorite movies and TV shows together. Thankfully, this card will reward you for all of those higher expenses!

The Blue Cash Preferred credit card offers a really great sign-up bonus of $250 cash back after spending just $1,000 on the card in the first 3 months from account opening. For families, $1,000 should generally be pretty easy to spend in a month (but you have three to do so). The card carries a $95 annual fee, which makes it a mid-tier credit card.

This credit card earns 6% cash back at U.S. supermarkets (up to $6,000 in purchases each year), which is a very high return. In order to max out the 6% cash back each year, you would need to spend $500 a month on groceries—a totally reasonable amount to be spent for a family each month. You will also earn 6% cash back on select U.S. streaming services—which usually aren’t too expensive (which means less cash back), but 6% is 6% no matter what you’re buying.

If you have kids, you know that their activities can sometimes make you feel like a shuttle service for drop-offs and pick-ups. Lucky for you, this card earns 3% cash back at U.S. gas stations and transit services. You will get 3% cash back for every dollar spent on your weekly fill-ups. If you or somebody in your family takes the train or bus to work or school, you will get 3% back on those transit services as well. Everything else earns 1% cash back.

This card doesn’t have a ton of other benefits, but there are few worth mentioning. Although we don’t recommend carrying a balance from month to month due to very high interest rates on credit cards, you could potentially take advantage of the 0% intro APR offer for 12 months on purchases and balance transfers. You will also get return protection, secondary car rental insurance, and extended warranty.

The Blue Cash Preferred card wins for the best American Express card for families, thanks to its family-oriented bonus rewards categories and generous sign-up bonus.

Best Co-Branded Airline American Express Credit Card

Delta SkyMiles Platinum Card

Delta SkyMiles Platinum Business American Express Card
  • Annual fee: $250
  • Sign-up bonus: 80,000 SkyMiles after spending $3,000 in the first 3 months from account opening, plus an additional 20,000 SkyMiles after your first cardmember anniversary (offer expires April 2020)
  • Bonus earning categories: Triple SkyMiles on Delta purchases; triple SkyMiles on bookings made directly with hotels; double SkyMiles at restaurants and U.S. supermarkets; single SkyMiles on all other purchases
  • Other benefits: No foreign transaction fees; first checked bag free on Delta flights; priority boarding on Delta flights; domestic main cabin round-trip companion certificate each cardmember anniversary; Global Entry ($100) or TSA Pre-check ($85) enrollment credit; 20% back on Delta in-flight purchases; trip delay insurance; car rental loss and damage insurance; baggage insurance; purchase protection; extended warranty; complimentary ShopRunner membership
  • Pros: Lucrative sign-up bonus; Delta flight perks; tons of travel insurance
  • Cons: Above average annual fee

American Express carries four different airline co-branded credit cards, all of which are for Delta. But when it comes to the best one of the bunch, the Delta SkyMiles Platinum Card takes the cake. This credit card is the second-highest card of the four, but it maintains a perfect balance between offering tons of benefits but not charging an arm and a leg for the annual fee.

This credit card comes with a massive sign-up bonus of 80,000 Delta SkyMiles after you spend $3,000 in the first 3 months from account opening. With SkyMiles worth about 1.2 cents each, the sign-up bonus is worth $960. You will also get 20,000 additional SkyMiles at the first anniversary of card membership—that’s an additional $240 right there.

Delta has such a large footprint, both domestically and internationally, that this card would be a solid choice for most people. It will earn three SkyMiles for every dollar spent on Delta purchases and on bookings made directly with hotels. You will earn two SkyMiles on your food purchases, both at restaurants and supermarkets. Every other purchase earns one SkyMile per dollar.

This card is truly a travel card, thanks to the many travel-related perks and benefits. On all Delta flights, you will get your first checked bag fee waived as well as priority boarding. In flight, you will get 20% back on purchases like food and alcohol. The card also comes with a statement credit for Global Entry or TSA Pre-check enrollment.

Potentially the most lucrative benefit is the annual companion certificate you receive each year you renew the card. You will be able to have a companion fly with you for just the taxes and fees (you can also transfer it to somebody else to use). The more expensive the flight you are on is, the more value the companion certificate carries.

Like many other travel credit cards, the Delta Platinum card has the following travel protections: no foreign transaction fees, trip delay insurance, car rental loss and damage insurance, and baggage insurance. Your purchases are also covered by an extended warranty and purchase protection.

Even if you only fly once or twice a year, check out the Delta SkyMiles Platinum Card from American Express.

Best Co-Branded Hotel American Express Credit Card

Marriott Bonvoy Brilliant American Express Card

Marriott Bonvoy Brilliant American Express Card
  • Annual fee: $450
  • Sign-up bonus: 75,000 Marriott Bonvoy points after spending $3,000 in the first 3 months from account opening
  • Bonus earning categories: Six times Marriott Bonvoy points on Marriott hotel purchases; triple Marriott Bonvoy points at U.S. restaurants; triple Marriott Bonvoy points on flights booked directly with airlines; double Marriott Bonvoy points on all other purchases
  • Other benefits: $300 Marriott Bonvoy statement credit annually at Marriott hotels; annual free night award every cardmember anniversary (up to 50,000 Marriott Bonvoy point value); Marriott Bonvoy Gold elite status (Platinum Elite status after spending $75,000 on the card in a calendar year); $100 property credit when booking a two-night minimum stay at Ritz Carlton or St. Regis properties; 15 nights towards the next elite status; Priority Pass Select membership; Global Entry ($100) or TSA Pre-check ($85) enrollment credit; no foreign transaction fees; car rental loss and damage insurance; baggage insurance; return protection; complimentary ShopRunner membership
  • Pros: Lots of statement credits; large sign-up bonus; Elite status
  • Cons: Large annual fee

American Express has a handful of different hotel co-branded credit cards, but the one that comes out on top is the Marriott Bonvoy Brilliant American Express Card. Despite the high annual fee, it has tons of travel benefits and a great sign-up bonus.

The sign-up bonus on this card will net you 75,000 Marriott Bonvoy points after you spend $3,000 on the card in the first 3 months after account opening. With Marriott Bonvoy points worth about 0.8 cents each, the sign-up bonus is worth $600. It’s not the biggest sign-up bonus out there, but it’s the bonus earning and other benefits that make this card stand out.

Since this is a Marriott card, it earns a ton back when you spend money on Marriott hotel stays and at Marriott properties. You will earn six Marriott Bonvoy points on all Marriott hotel purchases—a 4.8% return for every dollar. You will also earn three Marriott Bonvoy points at U.S. restaurants and on flights booked directly with airlines. All other purchases earn two Marriott Bonvoy points per dollar.

With the Marriott Bonvoy Brilliant card, you get Marriott Bonvoy Gold elite status, which can help you get upgrades and other perks when you stay at Marriott properties. You also get a $300 annual statement credit at Marriott hotels and an annual free night award on every cardmember anniversary (can be redeemed at properties that require up to 50,000 points per night). You will also get a $100 property credit when you book stays of two or more nights at Ritz Carlton or St. Regis properties.

The card comes with Priority Pass Select membership and a credit for Global Entry or TSA Pre-check enrollment, making every trip more relaxing and enjoyable. The card also features many great other travel benefits like baggage insurance, no foreign transaction fees, and car rental loss and damage insurance. If you stay at Marriott properties on a regular basis, the Marriott Bonvoy Brilliant American Express Card is your best option.

Best No Annual Fee American Express Credit Card

Wells Fargo Propel American Express Card

Wells Fargo Propel American Express Card
  • Annual fee: $0
  • Sign-up bonus: 20,000 bonus points after spending $1,000 in the first 3 months from account opening
  • Bonus earning categories: Triple points on dining in and out, gas stations, ridesharing apps, transit, flights, hotels, homestays, car rentals, and select streaming services; single points on all other purchases
  • Other benefits: 0% intro APR on purchases and balance transfers for 12 months; no foreign currency conversion fee; cell phone protection; retail protection; extended warranty; lost luggage reimbursement; car rental loss and damage insurance
  • Pros: No annual fee; 0% APR offer; great bonus categories
  • Cons: Limited additional benefits

The Wells Fargo Propel American Express card is a bit different than the other American Express cards on this list. It is a credit card that uses the American Express network, but it is offered by Wells Fargo. This is a really great card thanks to its awesome sign-up bonus and bonus categories, all without an annual fee.

The sign-up bonus on this no-annual-fee card is quite high—20,000 bonus points after spending $1,000 on the card in the first 3 months of card membership. Those points are worth a $200 statement credit. For a card without an annual fee, that is a very lucrative bonus offer.

The card also has a broad range of bonus rewards categories. You will earn three points (equivalent to 3% cash back) on all of these categories: dining, gas stations, ridesharing apps, transit, flights, hotels, homestays, car rentals, and select streaming services. That is a very large portion of your expenses earning 3% cash back, especially on travel-related categories. All other purchases earn one point per dollar.

The other benefits on this card are wanting with a few good perks. We don’t recommend carrying a balance from month to month, but if you are in a pinch, the 0% intro APR offer is good for purchases and balance transfers for 12 months. You will also get lost luggage reimbursement, car rental loss and damage insurance, and no foreign currency conversion fees.

All in all, this no-annual-fee American Express card is a great choice if you have an aversion to paying fees for your plastic. That’s why the Wells Fargo Propel American Express wins as the best no annual fee American Express credit card.

Best American Express Credit Card for Small Businesses

Blue Business Plus Credit Card from American Express

Amex Blue Cash EveryDay Card
  • Annual fee: $0
  • Sign-up bonus: None
  • Bonus earning categories: Double Membership Rewards on all purchases (up to $50,000 in purchases annually, single Membership Rewards points thereafter); additional Membership Reward points on all travel purchases at Amextravel.com; Membership Rewards points transfer to multiple airline loyalty programs
  • Other benefits: 0% intro APR on purchases and balance transfers for 12 months; car rental loss and damage insurance
  • Pros: No annual fee; 0% APR offer
  • Cons: Cap on bonus rewards earning; no sign-up bonus

The Blue Business Plus credit card from American Express may not be one of the heavy-hitting cards for massive rewards, but it earns the spot for best Amex card for small businesses with no annual fee. And, it earns flexible rewards and is simple to understand for all business owners.

The big seller for this card is that it has a very simple earning structure and a generous earnings rate for every dollar. Everything you buy with this card will earn two Membership Rewards points per dollar, no exceptions. You will earn the two points on everything for the first $50,000 you spend each year. Anything beyond that, you will earn just one Membership Rewards point per dollar.

You will also earn an additional point whenever you make any travel purchases on Amextravel.com. Speaking of travel, because the card earns Membership Rewards points, you will be able to transfer all of your points to many different airline and hotel loyalty programs. That is what really makes the rewards return on this card so great. With Membership Rewards points worth up to 2 cents each, the return on this card is 4%.

The card also features some other benefits worth mentioning: It comes with a 0% APR intro offer for 12 months on both purchases and balance transfers. It also has car rental loss and damage insurance whenever you rent a car on your business or personal trips.

If you don’t travel for work and don’t do much personal travel, there is another American Express credit card option you may want to consider. The Blue Business Cash Card is an almost identical card to the Blue Business Plus with one main difference: The card earns 2% cash back rather than two Membership Rewards points per dollar.

Can I combine my Membership Rewards points if I have more than one card that earns them?

Yes, you can combine your Membership Rewards points if you have multiple cards that earn them. You can even combine your points between your personal and business accounts. However, you cannot combine your points with any other person, including your spouse.

What if I can’t pay off my monthly balance in full on an American Express charge card?

If you think there is a possibility that you won’t be able to pay your bill in full each month, your best bet is to avoid charge cards. If you aren’t able to pay off the entire balance in full, you will be charged a late fee (which some credit cards charge as well).

A credit card allows you to pay off the minimum payment each month and carry a balance without being assessed a late fee, but you will pay interest. If you only pay part of the balance on a charge card, you will still get charged a late fee. If you do this multiple times, the repercussions can become steeper, like higher late fees, additional interest charged, or having your account frozen or closed.

Can I change the type of American Express card I currently have to one on this list?

This really depends on the particular card you have and which card you would like to have. Changing a credit card to a different card but keeping the same credit line is often called a “product change.” Product changes comes with a few different rules for American Express.

You can’t change from a cash back card to a Membership Rewards earning card. You also can’t change from a charge card to a credit card and vice versa. If you have a co-branded card, like a Delta card or Marriott card, you can only change to a card with the same co-branded company. You also can’t change a personal card to a business card and vice versa.

What is the best American Express credit card?

The best American Express credit card is the Amex EveryDay Preferred credit card. This card comes with a sign-up bonus worth up to $300 (15,000 Membership Rewards points) and bonus categories everybody can enjoy: groceries, gas, and travel on Amextravel.com.

Groceries earn three Membership Rewards points for every dollar (up to $6,000 in purchases each year), gas and Amextravel.com earn two Membership Rewards points per dollar, and everything else earns one point. You can then transfer all of these points to one of the many travel transfer partners through Membership Rewards.

If you use the card 30 or more times in a billing period, you will earn an additional 50% of points you earned for the month. This feature is what can make this card so incredibly valuable. All of this is why the Amex EveryDay Preferred card is crowned the best overall American Express card.

RAVE Recommends

  • Zoppen Multi-purpose RFID-Blocking Travel Passport WalletCheck out this highly rated awesome travel wallet that has all of the features you would want when traveling: RFID-blocking to protect credit cards and passport, multiple assigned pockets for each item, and a very sleek design.
  • Personal Capital Financial ManagementPersonal Capital is one of the best and most widely recognized financial organization and management tools out there. It can help you track budgets, long term goals, and other financial aspects of your life.
  • MyFICO: Everybody should keep a close eye on their credit for any errors, or to just keep tabs on how their score fluctuates month to month. MyFICO helps you do this by allowing you to track your FICO credit score and watch for any potential fraud.