American Express Credit Cards: Latest Offers [November 2024]

CREDIT CARDS - CREDIT CARD REWARDS
American Express is a household name in the credit card industry. See why by taking a look at their wide selection of available personal and business cards.
Updated Oct. 24, 2024
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American Express is one of the leading credit card issuers in the world. It’s known for its high-quality products that offer great value for its consumers, and its cards offer many perks alongside more traditional rewards like cash back and travel points. 

From premium travel cards to cash back cards to business cards, American Express has some of the best cards for everyone. If you’re interested in applying for a new card, check out these options from Amex.

In this article

Latest Amex personal card offers

5.0
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Current Offer

Earn 80,000 Membership Rewards points after spending $8,000 on eligible purchases on your new card in the first 6 months

Annual Fee

$695

Rewards Rate

5X points per dollar spent on eligible airfare (on up to $500,000 per calendar year, after that 1X) and eligible hotel purchases, and 1X points per dollar on all other eligible purchases

Why We Like It
Card Details
4.9
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Current Offer

Earn 60,000 Membership Rewards points after you spend $6,000 on eligible purchases within the first 6 months of card membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. (Limited time offer. Offer ends 11/6/24.)

Annual Fee

$325

Rewards Rate

4X Membership Rewards points at restaurants worldwide (up to $50,000 per year, after that 1X), 4X at U.S. supermarkets (up to $25,000 per year, after that 1X), 3X on flights booked directly with airlines or on AmexTravel.com, 2X on prepaid hotels and other eligible purchases booked on AmexTravel.com, and 1X on all other eligible purchases

Why We Like It
Card Details
American Express® Green Card
4.6
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American Express® Green Card

Current Offer

Earn 40,000 Membership Rewards points after spending $3,000 on purchases in the first 6 months

Annual Fee

$150

Rewards Rate

3X points on eligible travel and transit purchases, and at eligible restaurants worldwide, including takeout and delivery in the U.S.; and 1X points on all other eligible purchases

Why We Like It
Card Details
5.0
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Current Offer

Earn a $250 statement credit after spending $3,000 on eligible purchases in the first 6 months

Annual Fee

$0 intro annual fee for the first year, $95 per year thereafter

Rewards Rate

6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1%) and on select U.S. streaming services, 3% cash back at U.S. gas stations and on eligible transit, and 1% cash back on other eligible purchases

Why We Like It
Card Details
4.9
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Current Offer

Earn a $200 statement credit after spending $2,000 in purchases in the first 6 months

Annual Fee

$0

Rewards Rate

3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year on purchases in each category, then 1%); and 1% cash back on other eligible purchases

Why We Like It
Card Details
4.8
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Current Offer

Earn 70,000 bonus miles after spending $5,000 in eligible purchases in the first 6 months

Annual Fee

$650

Rewards Rate

3X miles per dollar spent on purchases made directly with Delta and 1X miles for all other eligible purchases

Why We Like It
Card Details
4.4
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Current Offer

Earn 60,000 bonus miles after spending $3,000 in eligible purchases in the first 6 months

Annual Fee

$350

Rewards Rate

3X miles per dollar spent on purchases made directly with Delta and at hotels; 2X miles per dollar spent at restaurants worldwide, plus takeout and delivery in the U.S., and at U.S. supermarkets; and 1X miles for every dollar spent on all other eligible purchases

Why We Like It
Card Details
4.6
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Current Offer

Earn 50,000 bonus miles after spending $2,000 in eligible purchases in the first 6 months

Annual Fee

$0 intro annual fee for the first year, $150 per year thereafter

Rewards Rate

2X miles on qualifying Delta purchases, at restaurants worldwide, plus takeout and delivery in the U.S., and at U.S supermarkets; and 1X miles per $1 spent on all other eligible purchases

Why We Like It
Card Details
3.8
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Current Offer

Earn 10,000 bonus miles after spending $1,000 in purchases in the first 6 months

Annual Fee

$0

Rewards Rate

2X miles on eligible purchases made directly with Delta and at restaurants worldwide, plus takeout and delivery in the U.S., and 1X miles on all other eligible purchases

Why We Like It
Card Details
4.6
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Current Offer

Earn 95,000 Marriott Bonvoy® bonus points after spending $6,000 in purchases in the first 6 months

Annual Fee

$650

Rewards Rate

6X points on eligible purchases at hotels participating in the Marriott Bonvoy® program, 3X points at worldwide restaurants and on flights booked directly with airlines, and 2X points on all other eligible purchases

Why We Like It
Card Details
4.5
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Current Offer

Earn 85,000 Marriott Bonvoy bonus points after spending $5,000 in purchases in the first 6 months

Annual Fee

$250

Rewards Rate

6X points on eligible purchases at hotels participating in the Marriott Bonvoy program; 4X points at worldwide restaurants, including takeout and delivery, and U.S. supermarkets (up to $15,000 in combined purchases per calendar year, then 2X points); and 2X points on all other eligible purchases with the Marriott Bonvoy Bevy™ Card

Why We Like It
Card Details
Hilton Honors American Express Aspire Card
5.0
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Hilton Honors American Express Aspire Card

Current Offer

Earn 175,000 Hilton Honors Bonus Points after spending $6,000 in the first 6 months

Annual Fee

$550

Rewards Rate

14X points on eligible purchases within the Hilton portfolio, 7X points on qualifying travel purchases made directly with airlines/select car rental companies or Amextravel.com, 7X points at U.S. restaurants, and 3X points on all other eligible purchases

Why We Like It
Card Details
4.8
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Current Offer

Earn 165,000 Hilton Honors Bonus Points after spending $3,000 on purchases in your first 6 months (offer ends 1/8/2025)

Annual Fee

$150

Rewards Rate

12X points on eligible purchases at participating Hilton hotels or resorts; 6X points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations; 4X points on U.S. online retail purchases; and 3X points on all other eligible purchases

Why We Like It
Card Details
4.5
info

Current Offer

Earn 100,000 Hilton Honors Bonus Points after spending $2,000 in purchases in the first 6 months (offer ends 1/8/2025)

Annual Fee

$0

Rewards Rate

7X points on eligible purchases at participating hotels and resorts in the Hilton portfolio; 5X points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations; and 3X points on all other eligible purchases

Why We Like It
Card Details

All information about American Express® Green Card has been collected independently by FinanceBuzz.

All information about Hilton Honors American Express Aspire Card has been collected independently by FinanceBuzz.

Latest Amex business card offers

4.8
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Current Offer

Earn 150,000 Membership Rewards points after spending $20,000 on eligible purchases in the first 3 months

Annual Fee

$695

Rewards Rate

5X points on flights and prepaid hotels on Amextravel.com; 1.5X points on eligible purchases at U.S. suppliers of construction materials and hardware, U.S. retailers of electronic goods, U.S. providers of shipping, software and cloud systems, and eligible purchases of $5,000 or more (up to $2 million per year, then 1X), and 1X points per $1 spent on all other eligible purchases (purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus)

Why We Like It
Card Details
4.8
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Current Offer

Earn 100,000 Membership Rewards points after spending $15,000 on eligible purchases in the first 3 months

Annual Fee

$375

Rewards Rate

4X Membership Rewards Points on purchases in the two eligible categories with the most spend each month from 6 eligible categories (up to $150,000 in combined purchases each calendar year, after that 1X), 3X Membership Rewards points on flights and prepaid hotels booked at amextravel.com, and 1 point per $1 spent on other eligible purchases

Why We Like It
Card Details
3.5
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Current Offer

No preset spending limit

Annual Fee

$250

Rewards Rate

1.5% cash back on the portion of your eligible charges balance that you pay within 10 days of your statement closing date, as long as you pay at least your minimum payment

Why We Like It
Card Details
Business Green Rewards Card from American Express
3.8
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Business Green Rewards Card from American Express

Current Offer

Earn 15,000 Membership Rewards points after you spend $3,000 within your first 3 months

Annual Fee

$95

Rewards Rate

2X points on eligible purchases at AmexTravel.com, and 1X points for all other eligible purchases

Why We Like It
Card Details
5.0
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Current Offer

Earn a $250 statement credit after spending $3,000 on purchases in the first 3 months

Annual Fee

$0

Rewards Rate

2% cash back on the first $50,000 in eligible purchases each year, then 1% after that

Why We Like It
Card Details
4.9
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Current Offer

Earn 15,000 Membership Rewards points after you spend $3,000 on eligible purchases within the first 3 months of card membership

Annual Fee

$0

Rewards Rate

2X Membership Rewards points on everyday eligible business purchases up to $50,000 each year, and 1X points on eligible purchases after that

Why We Like It
Card Details
4.7
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Current Offer

Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months (redemption level valued at up to 50,000 Marriott Bonvoy points each for eligible stays); Certain hotels have resort fees. Terms apply.

Annual Fee

$125

Rewards Rate

6X points at participating Marriott Bonvoy hotels; 4X points at restaurants worldwide, U.S. gas stations, U.S. purchases on shipping, and wireless telephone services purchased from U.S. providers; and 2X points on all other eligible purchases

Why We Like It
Card Details
4.6
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Current Offer

Earn 175,000 Hilton Honors Bonus Points after spending $8,000 in purchases in the first 6 months (limited time offer ends 1/8/25)

Annual Fee

$195

Rewards Rate

12X Hilton Honors Bonus Points on eligible Hilton purchases; 5X Hilton Honors Bonus Points on other purchases made on the first $100,000 in purchases each calendar year; and 3X points thereafter

Why We Like It
Card Details
4.9
info

Current Offer

Earn 80,000 bonus miles after spending $10,000 in purchases in your first 6 months

Annual Fee

$650

Rewards Rate

3X miles for eligible purchases made directly with Delta; 1.5X miles on eligible transit, U.S. shipping, and U.S. office supply store purchases, plus all eligible purchases after you spend $150,000 in purchases in a year; 1X miles on other purchases

Why We Like It
Card Details
4.6
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Current Offer

Earn 70,000 bonus miles after you spend $6,000 in purchases in your first 6 months

Annual Fee

$350

Rewards Rate

3X purchases made directly with Delta and hotels, 1.5X miles on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more; and 1X mile per $1 spent on other eligible purchases

Why We Like It
Card Details
4.8
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Current Offer

Earn 60,000 bonus miles after you spend $4,000 in purchases in your first 6 months

Annual Fee

$0 intro annual fee for the first year, $150 per year thereafter

Rewards Rate

2X miles per $1 spent on eligible Delta and restaurant purchases, and on eligible U.S. shipping purchases and eligible U.S. advertising in select media up to $50,000 per category, per year. Plus, 1X miles per $1 on all other eligible purchases

Why We Like It
Card Details
Lowe's Business Rewards Card from American Express
4.0
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Lowe's Business Rewards Card from American Express

Current Offer

Earn 5% cash back on purchases at Lowe’s for the first 6 months. 2% back after (new accounts only)

Annual Fee

$0

Rewards Rate

2% cash back on business categories (U.S. restaurants, U.S. office supply stores, and purchases with U.S. wireless telephone service providers) and at Lowe's stores and Lowes.com; 1% cash back on all other eligible purchases

Why We Like It
Card Details
Amazon Business American Express Card
3.9
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Amazon Business American Express Card

Current Offer

Earn a $100 Amazon gift card upon approval

Annual Fee

$0

Rewards Rate

3% back in Amazon Rewards points or no interest for 60 days on U.S. Amazon Business, AWS, Amazon.com, and Whole Foods purchases (on up to $120,000 in purchases per calendar year, after that 1%); 2% back at U.S. restaurants, U.S. gas stations, and purchases with U.S. wireless providers; and 1% back on all other eligible purchases

Why We Like It
Card Details
Amazon Business Prime American Express Card
4.6
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Amazon Business Prime American Express Card

Current Offer

Earn a $125 Amazon gift card upon approval

Annual Fee

$0

Rewards Rate

5% back in Amazon Rewards points or no interest for 90 days on U.S. Amazon Business, AWS, Amazon.com, and Whole Foods purchases (on up to $120,000 in purchases per calendar year, after that 1%); 2% back at U.S. restaurants, U.S. gas stations, and purchases with U.S. wireless providers; and 1% back on all other eligible purchases

Why We Like It
Card Details

All information about Lowe's Business Rewards Card from American Express has been collected independently by FinanceBuzz.

All information about Business Green Rewards Card from American Express has been collected independently by FinanceBuzz.

What is American Express?

Originally founded as a freight forwarding company in 1850, American Express has evolved and grown since then to become the fourth-largest general-purpose card network in the world, based on purchase volume. In 2022, Amex had a net income of $7.5 billion, and in 2023, it employed more than 77,000 people worldwide.

Since its early days, American Express has always had the reputation of being a company people could trust. The company values customer service and strives to provide the best products possible to its customers. Although known now for its many credit card options, American Express first built a loyal customer base by offering traveler’s checks. Its first charge card was introduced in 1958.

Today, Amex offers dozens of cards to choose from, including personal cards, business cards, corporate cards, and gift cards. It also offers FDIC-insured online savings accounts you can access 24/7.

Amex cards are accepted by 99% of merchants in the U.S. that accept credit cards and at different merchants around the world. With more than 12.5 million new card accounts issued in 2022, it’s easy to see how popular its products and services have become. Amex Membership Rewards program is also one of the most popular loyalty programs in the world. Customers love to earn valuable rewards from purchases that fit their everyday lifestyles, which is easy to do with many different Amex credit cards.

What are the different types of American Express cards?

Amex customers have a lot to choose from when it comes to the different types of credit cards available. There are personal cards designed for earning travel rewards, cash back, and everything in between. Even better, there are plenty of business cards to choose from as well. American Express has some of the best credit cards for just about everyone.

American Express personal credit cards

Amex-issued personal cards are available in a variety of options, each one designed to fit a specific situation or lifestyle. With so many cards available with different card benefits, it’s easy to find one to suit your needs.

American Express cash back cards

Cash back credit cards offer rewards in the form of cash back for eligible purchases made with the card. With American Express, you’ll receive your cash back from purchases in the form of Reward Dollars that can be redeemed as a statement credit.

These types of consumer cards are some of the most commonly used because they’re perfect for everyday spending. If you’re already shopping for groceries, ordering takeout, or filling up your car at the gas station, you can pay for those purchases with a cash back card and earn valuable money back in the form of statement credits in the process.

Some cash back cards may offer increased earnings in bonus categories; others offer a flat, unlimited rate on qualifying purchases.

Amex offers these cash back cards:

American Express travel cards

Amex travel cards are specifically designed with the traveler in mind, no matter how frequently you’re on the go. These cards earn valuable American Express Membership Rewards points that can be redeemed in the form of a statement credit, gift card, or travel through the Amex travel portal. You can also shop with them through Amex’s merchant partnerships or pay with them at checkout at many different merchants, such as Amazon and Best Buy.

Depending on the travel credit card, card membership may also come with certain built-in benefits and perks. This may include airline fee credits, rideshare credits, airport lounge access, car rental insurance, no foreign transaction fees, and more. (Enrollment is required for select benefits.)

Amex offers these travel cards:

No-annual-fee Amex cards

If you want to avoid a high annual fee, American Express has multiple no-annual fee cards to choose from. Annual fees are generally attached to credit cards that offer higher rewards earning potential than average or that come with additional perks and benefits. That’s understandable, but it doesn’t mean you can’t find value with no annual fee credit cards.

The bottom line is if your card has no annual fee, that’s one less thing you have to worry about, which can be a lot of value by itself. You can still earn cash back, points, or miles with these cards, and many of them offer extra points or cash back in certain spending categories.

Some of these no-annual-fee Amex cards also come with 0% intro APR offers that last for a certain number of months after account opening. After that period ends, your balance will be subject to the regular variable APR. So if you’re looking to avoid accruing interest on purchases or balance transfers during your first months of card membership, you might consider one of these cards that comes with that offer.

Amex offers these no-annual-fee cards:

For even more options, check out credit card offers for the best no-annual-fee credit cards.

Co-branded airline cards

Co-branded airline cards are credit cards that are co-branded with a specific airline to offer rewards for that airline’s loyalty program. In the case of Amex co-branded airline cards, Amex has partnered with Delta.

With these airline cards, you can earn Delta SkyMiles on every purchase and make use of the built-in travel benefits. Depending on the card, you may find perks such as priority boarding, Delta flight credit, complimentary Delta Sky Club access, annual companion certificate, increased rewards on in-flight purchases, and more. 

Amex offers these co-branded airline cards:

Co-branded hotel cards

These cards are similar to co-branded airline cards, except they’re designed for use with hotel loyalty programs instead. For Amex co-branded hotel cards, Amex has partnered with both Marriott and Hilton.

You can use these cards to earn either Marriott Bonvoy points or Hilton Honors points (depending on the card) with every purchase. You can also earn increased rewards in bonus categories, such as staying at an applicable hotel. A common benefit of co-branded hotel cards is receiving a complimentary status in the hotel’s loyalty program just for having the card.

Amex offers these co-branded hotel cards:

American Express business cards

Along with personal card offerings, Amex also offers business credit cards. Business cards are specifically designed to be used by small business owners and their employees, which allows for easy separation of personal and business expenses.

American Express business cards have as much variety as Amex personal cards. There are cashback cards, travel cards, and co-branded airline and hotel cards. However you like to earn rewards with your business expenses, there’s a small business card for you.

Amex offers these business cards:

How does American Express compare to other credit card companies?

American Express may be one of the largest credit card issuers in the world by purchase volume, but it’s not the only big credit card company out there. A few of the other major companies are Visa, Mastercard, and Chase. All four of these credit card companies are commonly known and have a lot of similarities between them, but there are a few key differences as well.

Amex vs. Visa

Visa is one of the most well-known credit card companies in the world. In general, if a merchant accepts credit cards, they most likely accept Visa cards, no matter the country. It’s important to note, though, that Visa is not a credit card issuer.

Rather, Visa is a payments network. It facilitates credit card payments in more than 200 countries and territories worldwide, but it doesn’t actually issue any credit cards to consumers. American Express, on the other hand, is both a card issuer and a payments network. Amex releases its own credit cards for consumer use and processes payments around the world through its network.

At the moment, Visa has a more extensive global reach than Amex. Visa is accepted at more places around the world than Amex, but they’re both accepted almost everywhere in the U.S.

Amex vs. Mastercard

Similar to Visa, Mastercard is a payments network and not a credit card issuer. So although you may see the Mastercard logo on many credit cards, just know there’s another logo on there from the actual card issuer, such as a bank or credit union.

Mastercard credit cards are widely accepted around the world, as with Visa. Because they’re accepted almost everywhere, it’s easier to use a Mastercard while traveling abroad than it is to use an Amex card. Although Amex cards work great in certain countries, they don’t have the same global acceptance that Mastercard credit cards do.

Amex vs. Chase

Chase is different from Visa and Mastercard because it’s a credit card issuer, but not a payment network. Because of this designation, you can find Chase cards that are also either Visa or Mastercard. There are currently no Chase Amex cards available, though.

Chase cards will be more widely accepted around the world than Amex cards because Chase cards are either on the Visa or Mastercard networks. Overall, though, both Chase and Amex are the two biggest credit card issuers in the U.S.

Which American Express card should you choose?

The ideal American Express card for you is the one that best suits your lifestyle, spending habits, and financial goals. Over the years, credit card companies have made it easy for consumers to align themselves with certain cards because there are a variety of options to fit every situation.

To find the best American Express card for you, you have to ask yourself one essential question: What am I going to use this card for?

If you can answer that question, it will be easy to narrow down your options and answer any follow-up questions along the way. 

For travel rewards and benefits, you might consider one of the many Amex rewards cards designed for travelers. There are Amex credit cards that are co-branded with Delta, Hilton, and Marriott, if you’re interested in their loyalty programs. You can also use certain Amex cards to earn Membership Rewards points and redeem them for many different travel options, such as airfare, hotel stays, and rental cars.

Whatever your need — whether it’s balance transfers, travel, cash back, building credit, online shopping, paying for business expenses, cash back on streaming subscriptions, or anything else — there’s an American Express credit card to cover you.

FAQs about American Express credit cards

Which Amex card is best?

The best Amex card is the one that addresses your needs the most. Each individual has their own unique situation with different spending habits, lifestyles, and financial goals. If you’re a frequent traveler, a travel rewards card that offers travel insurance and Membership Rewards on travel purchases might be the perfect fit. If you want a no-frills card that earns cash back, the best card for you might be one that earns unlimited cash back on every purchase.

If you can narrow down your needs, you can narrow down which Amex card is right for you.

Is it hard to get an American Express card?

Most American Express credit cards require a good to excellent credit score for approval. A good FICO score starts at 670; an excellent score starts at 800. Of course, these are only guidelines for being approved for an Amex card. The actual approval process may take other things into consideration apart from your credit score.

Which American Express cards have no annual fee?

These are the American Express credit cards with no annual fee:

  • Blue Cash Everyday® Card from American Express
  • Hilton Honors American Express Card
  • Delta SkyMiles® Blue American Express Card
  • The American Express Blue Business Cash™ Card
  • The Blue Business® Plus Credit Card from American Express

Which Amex cards earn rewards?

The majority of American Express credit cards earn rewards, though the type of rewards may vary. There are cashback rewards and rewards in the form of points or miles.

Which Amex cards have no foreign transaction fee?

These are the American Express credit cards with no foreign transaction fees:

  • The Platinum Card® from American Express
  • American Express® Gold Card
  • American Express® Green Card
  • Delta SkyMiles® Reserve American Express Card
  • Delta SkyMiles® Platinum American Express Card
  • Delta SkyMiles® Gold American Express Card
  • Delta SkyMiles® Blue American Express Card
  • Marriott Bonvoy Brilliant® American Express® Card
  • Marriott Bonvoy Bevy™ American Express® Card
  • Hilton Honors American Express Aspire Card
  • Hilton Honors American Express Surpass® Card
  • Hilton Honors American Express Card
  • The Business Platinum Card® from American Express
  • American Express® Business Gold Card
  • The Plum Card® from American Express
  • Marriott Bonvoy Business® American Express® Card
  • The Hilton Honors American Express Business Card
  • Delta SkyMiles® Reserve Business American Express Card
  • Delta SkyMiles® Platinum Business American Express Card
  • Delta SkyMiles® Gold Business American Express Card

What is the Amex Membership Rewards program?

The Amex Membership Rewards program is Amex’s travel rewards program. As you make purchases with certain American Express credit cards, you will earn Membership Rewards points that you can then redeem in a variety of ways.

Amex Membership Rewards points can be redeemed for statement credits, gift cards, or travel through the Amex travel portal. Travel redemptions include airfare, hotel stays, rental cars, and more. You can also transfer your points to more than 20 airline and hotel transfer partners, which may often result in incredibly valuable redemptions.

Certain merchants such as Amazon and Best Buy will accept Membership Rewards points as a form of payment when you’re checking out. You can also shop for items with your points through Amex’s merchant partners.

How do you contact American Express customer service?

You can call the number listed on the back of your American Express credit card or log into your online account and click on the “Chat” icon in the bottom corner of your screen when you’re on the homepage.

Bottom line on Amex cards

From some of the best travel credit cards to some of the best cashback credit cards, American Express has something for everyone. Each of these credit cards above could be the perfect fit in certain situations, so it depends on what you need the card for. One person could be looking for a small business card, while another would benefit from an introductory APR offer.

As you go through the process of choosing the best Amex card for your wallet, consider your goals and spending habits. Once you know what you’re looking for in a card, you can use this guide to help find the right one for you.

Powerful Benefits with a Low Annual Fee

American Express® Green Card
4.6
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American Express® Green Card

Current Offer

Earn 40,000 Membership Rewards points after spending $3,000 on purchases in the first 6 months

Annual Fee

$150

Rewards Rate

3X points on eligible travel and transit purchases, and at eligible restaurants worldwide, including takeout and delivery in the U.S.; and 1X points on all other eligible purchases

Benefits and Drawbacks
Card Details