There are a lot of American Express cards on the market, and it can be difficult to decide which one is right for you. In this article, we will discuss the different types of American Express cards and help you decide which one is right for your needs. We will also provide information about the benefits of each card and how to apply for them. So, whether you are looking for a card with rewards or one that offers 0% APR financing, we have you covered!
American Express offers a variety of cards with different benefits and rewards.
The Blue Cash Preferred Card from American Express, for example, offers six percent cash back on groceries up to $6000 per year and three percent cash back on gas stations and department stores. The annual fee is $95.
The Platinum Delta SkyMiles Credit Card from American Express, meanwhile, offers 35000 bonus miles and five thousand Medallion Qualification, Miles, after spending $1000 in the first three months. It also offers a free checked bag for the cardholder and up to eight companions on the same reservation, as well as priority boarding. There is an annual fee of $195.
So which card is right for you? That depends on your spending habits and priorities. Do you spend a lot at grocery stores? Then the Blue Cash Preferred Card might be a good choice. Do you fly often? Then the Platinum Delta SkyMiles Credit Card could be a better option.
Take some time to consider your spending habits and priorities before choosing an American Express card. And remember, you can always change your mind down the road if another card offers better benefits for your needs.
Which is the right American Express Card for you?
It depends if you spend a lot of time traveling, shopping, or just buying groceries. If you spend most of your time doing one of those activities, then you should get the American Express Card that offers the best rewards for that activity.
Benefits and rewards-earning opportunities for Card Members whose business or personal preferences have them spending on the go. Rewards points cards, for Card Members with more general spending habits. Cash-back cards, for those who prefer to earn money by spending money, in the form of a statement credit.
For example, if you travel a lot, you should get the American Express Platinum Card because it offers great perks like free lounge access and airline fee credits. If you shop a lot, you should get the American Express Gold Card because it gives you cash-back on all your purchases. And if you just want a simple card with no annual fee, then you should get the American Express Blue Cash Everyday Card.
No matter which American Express Card you choose, make sure to use it wisely and pay off your balance in full every month to avoid interest charges. With responsible use, an American Express Card can help you build credit, earn rewards, and save money. Applicable local sales tax will be charged.
Do you have an American Express Card? Which one do you have and why? Let us know in the comments below!
What are the American Express Membership Rewards?
American Express Membership Rewards points are the points you earn on Amex consumer rewards cards (those that aren’t co-branded to earn another points currency, like Hilton Honors Bonus Points or Delta SkyMiles). You earn Membership Rewards points by using your card for purchases within qualifying categories that earn points.
If you have multiple points-earning rewards cards with Amex, they will automatically pool into your Membership Rewards account each billing cycle. Then you can use those points to book travel, get statement credits, or gift cards. You can also transfer them to a variety of airline and hotel partners if you have one of Amex’s premium cards (like the Platinum Card® from American Express).
Certain Amex cards (like the Platinum Card, Amex Gold, and Amex Green) have no preset spending limit, but may allow access to Pay Over Time, which you can use to pay eligible purchases off (up to your Pay Over Time spending limit) at your variable Pay Over Time APR. If you have one of these cards and access to Pay Over Time, you can activate at any time. But use it wisely; the program carries the same high-interest debt risks as carrying a balance on any credit card.
How many Membership Rewards points can I earn?
It depends on which card you have. But typically, you can earn one point for every dollar you spend. Plus, there are bonus opportunities available with some cards. So, if you want to rack up the rewards points quickly, and American Express card could be a good option for you.
You can transfer your points to a number of different airline and hotel loyalty programs. This gives you even more options for how you can use your rewards. And it opens up possibilities for some great travel deals.
What kinds of perks do I get with my Membership Rewards points?
Again, it depends on your card. But typically, you can use your points to book flights, hotels, and car rentals. You can also use them to purchase gift cards or merchandise. And sometimes, Amex will offer extra incentives like VIP access to events or exclusive deals on travel packages. So if travel is important to you, an American Express card could be a valuable addition to your wallet.
Check out our list of the best American Express Cards to find the right one for you!
The Platinum Card® from American Express
The Platinum Card® from American Express has a higher annual fee but comes with some great benefits like statement credits for airline incidental charges and Uber rides, as well as access to airport lounges around the world. If you’re looking for a travel rewards credit card that comes with lots of perks, the Platinum Card® from American Express is a good option. Terms and conditions apply.
No matter which American Express card you choose, you’ll enjoy access to valuable benefits like fraud protection, extended warranty coverage, and purchase protection. You’ll also earn Membership Rewards® points on every purchase you make. So whether you’re looking for a card with premium benefits or one that’s more affordable, American Express has a card that’s right for you.
The Amex EveryDay® Credit Card.
This card offers a simple and straightforward way to earn rewards. You’ll earn two Membership Rewards® points for every dollar you spend on eligible purchases at American Express Travel and one point per dollar spent on all other eligible purchases. There’s no annual fee, and you can get started with a low intro APR on purchases and balance transfers.
There’s no annual fee, and right now Amex EveryDay offers a 0% introductory APR on purchases for 15 months from the date of account opening, then a variable APR of between 12.99% and 23.99%.
Prepaid fine hotels + resorts™ Card from American Express
This card is perfect for travelers who want to enjoy the perks of American Express without carrying a balance. You’ll earn two Membership Rewards® points for every dollar you spend on eligible travel purchases, and there’s no annual fee. Plus, you’ll get a $100 statement credit after you spend $300 in eligible purchases on your card within the first three months.
Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
The Amex EveryDay® Preferred Credit Card
This card offers a great way to earn rewards on your everyday spending. If you’re looking for a little more from your credit card, the Amex EveryDay® Preferred Credit Card could be a good option. With this card, you’ll earn three Membership Rewards® points for every dollar you spend on groceries and two points per dollar spent at American Express Travel.
You’ll also get a 50% bonus on the points you earn each month, which could add up to a lot of rewards over time. Plus, there’s no annual fee and you can enjoy a low intro APR on purchases and balance transfers.
The Platinum Card® from American Express
If you’re looking for a card that offers top-of-the-line perks, the Platinum Card® from American Express might be right for you. This card comes with some impressive benefits, including airport lounge access, elite hotel status, and $200 in annual credits for airline fees.
It offers 100,000 points for spending $6,000 in the first 6 months, access to 1,000+ airport lounges, and 5 points / $1 spent on flights booked directly with airlines or with American Express Travel (up to $500,000 spent per year) and prepaid hotels booked with Amex.
The Platinum Card® from American Express has a higher annual fee but comes with some great benefits like statement credits for airline incidental charges and Uber rides, as well as access to airport lounges around the world. If you’re looking for a travel rewards credit card that comes with lots of perks, the Platinum Card® from American Express is a good option.
You’ll also earn five Membership Rewards® points per dollar spent on eligible purchases at American Express Travel and one point per dollar on all other eligible purchases. The downside? There is a steep annual fee of $550.
The American Express® Gold Card
If you’re looking for a card that offers good rewards and comes with no annual fee, the American Express® Gold Card could be a good option. You’ll earn four Membership Rewards® points per dollar spent on eligible purchases at U.S. restaurants, supermarkets, and gas stations, and two points per dollar spent on all other eligible purchases. Plus, there’s no annual fee to worry about.
You’ll also receive up to $10 each month in Uber Cash with the Amex Gold (enrollment required before using this benefit). This Uber Cash can be used either for Uber Eats orders or Uber rides within the US.
You can also earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120.
Hilton Honors American Express Surpass® Card
If you’re a frequent traveler, the Hilton Honors American Express Surpass® Card could be a good option for you. With this card, you’ll earn 12 Hilton Honors™ points for every dollar you spend on eligible purchases at hotels and resorts within the Hilton Portfolio.
You’ll also earn six Membership Rewards® points per dollar spent on eligible airfare booked directly with airlines or through American Express Travel, and three points per dollar spent on all other eligible purchases. There’s no annual fee for this card.
There are no foreign transaction fees, so you can use this card for purchases made while traveling abroad. Plus, you’ll get a free weekend night award after you spend $15,000 on eligible purchases within a calendar year.
To decide which is the right American Express card for you, consider your spending habits and what kind of rewards you’re looking for.
The Blue Cash Preferred® Card from American Express
If you’re looking for a card that offers great cash-back rewards, the Blue Cash Preferred® Card from American Express might be right for you.
This card offers 3% cashback (in the form of reward dollars) at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 2% cash-back at U.S. gas stations, and 2% cash-back at select U.S. department stores, and one percent cash back on all other eligible purchases. There is an annual fee of $95 with this card, but the rewards can be well worth it if you use it wisely.
If you don’t spend a lot at the supermarket, then the Blue Cash Everyday® Card from American Express might be a better fit for you. The Blue Cash Everyday® Card from American Express offers cash back of up to $150 after spending $500 in purchases within your first three months of card membership. Terms and conditions apply.
In conclusion
These are just a few of the many American Express credit cards available. Be sure to do your research to find the card that best suits your needs. And remember, always pay your bill in full and on time to avoid interest charges and late fees.
