2023’s Top American Express Cards

2023's Top American Express Cards

The Best American Express Credit Cards in 2023

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American Express, often referred to as Amex, is renowned for its wide range of credit cards that cater to various lifestyles and spending habits. While Amex is well-known for its travel cards and premium offerings like concierge services, it also offers cards with non-travel perks and lower annual fees. With excellent customer service and a diverse selection of airline, hotel, cash back, and general travel cards, American Express is a top choice for credit card enthusiasts.

If you’re considering an American Express card and want to find the best one for your needs, look no further. In this article, we will explore the best American Express credit cards in 2023, comparing their features, benefits, and perks. So buckle up and get ready to find the perfect card for you.

Compare the Best American Express Cards

Before diving into the details of each American Express credit card, let’s take a quick look at our top picks:

  1. The Platinum Card® from American Express: Best for frequent travelers
  2. American Express® Gold Card: Best for dining rewards
  3. Blue Cash Preferred® Card from American Express: Best for cash back
  4. American Express® Green Card: Best for bonus points on travel
  5. Amex EveryDay® Preferred Credit Card: Great bonus categories for families
  6. Amex EveryDay® Credit Card: Best with no annual fee
  7. Blue Cash Everyday® Card from American Express: Best with an intro APR offer
  8. The Business Platinum Card® from American Express: Best business card for travelers
  9. American Express® Business Gold Card: Best business card for big spenders
  10. The Blue Business® Plus Credit Card from American Express: Best business card for earning maximum points
  11. The American Express Blue Business Cash™ Card: Best business card for cash back
  12. Hilton Honors American Express Card: Best for occasional Hilton travelers
  13. Hilton Honors American Express Aspire Card: Best for frequent Hilton travelers
  14. Delta SkyMiles® Gold American Express Card: Best for Delta flyers
  15. Delta SkyMiles® Reserve American Express Card: Best premium card for Delta flyers
  16. Marriott Bonvoy Brilliant® American Express® Card: Best luxury card for Marriott

Now, let’s delve into each card’s features and benefits to help you make an informed decision.

Methodology: How We Chose the Best American Express Cards

Before we dive into the details, let’s understand the criteria we considered while evaluating the best American Express credit cards:

  1. Simplicity: We considered whether the card offers an easy-to-use rewards program and user-friendly redemption options.
  2. Earning potential: We analyzed the card’s rewards rate and welcome bonus offer, focusing on generous spending categories and robust rewards rates across all purchases.
  3. Annual fee: We evaluated whether the card offers benefits that justify the annual fee or if there are no-annual-fee options available.
  4. Options for different types of consumers: We made sure to include cards that cater to various user profiles, including 0% APR offers, travel points, and cash-back cards.

With these factors in mind, we selected the best American Express credit cards that offer a perfect blend of value, rewards, and flexibility.

Best American Express Card for Frequent Travelers

The Platinum Card® from American Express

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The Platinum Card® from American Express is a game-changer for frequent travelers, offering an impressive array of benefits that more than offset its $695 annual fee. While the fee may seem steep, the value you can derive from the card makes it well worth it, especially during your first year of membership, where you can potentially receive over $2,000 in value.

This card earns 5 points per dollar spent on flights booked directly with airlines and flights and pre-paid hotels booked through American Express Travel (up to $500,000 on these purchases per calendar year, then 1x). On all other purchases, you’ll earn 1 point per dollar. The Platinum Card offers access to a global network of more than 1,300 airport lounges within the Priority Pass network, including Delta Sky Clubs (when flying Delta) and proprietary Amex Centurion Lounges.

Additionally, cardholders enjoy complimentary Gold elite status with Marriott and Hilton, up to $100 annually in shopping credits at Saks Fifth Avenue, up to $200 in Uber credits each cardmember year, and access to special events. The card also features a range of additional benefits, including Equinox credits, CLEAR® Plus membership credits, and annual credits toward eligible prepaid hotel bookings.

If you’re a frequent traveler who appreciates luxury and value, The Platinum Card® from American Express is the perfect companion.

Best American Express Card for Dining Rewards

American Express® Gold Card

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For foodies who would rather earn valuable rewards points than cash back, the American Express® Gold Card reigns supreme. This card’s rewards structure makes it the highest-earning option for all dining-related expenses. Cardholders earn 4 points per dollar spent at restaurants worldwide and on up to $25,000 per calendar year at US supermarkets (then 1 point per dollar). Additionally, you’ll earn 3 points per dollar on flights booked directly with airlines and 1 point per dollar on other purchases.

The Amex Gold Card not only offers excellent rewards rates but also provides enticing statement credits. Cardholders can enjoy up to $120 in dining credits each year, split into monthly increments, which can be redeemed at popular establishments like Grubhub, Seamless, and The Cheesecake Factory. Furthermore, the card offers up to $120 in Uber Cash credits per year when the Gold Card is added to the Uber app.

With its outstanding rewards on dining and travel, coupled with valuable statement credits, the American Express® Gold Card is a must-have for food enthusiasts.

Best American Express Card for Cash Back

Blue Cash Preferred® Card from American Express

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If cash back is your preferred choice, the Blue Cash Preferred® Card from American Express is an excellent option. Despite its $0 intro annual fee for the first year, which then increases to $95, this card offers impressive cash-back rewards.

Cardholders earn 6% cash back on select U.S. streaming services, 3% cash back on transit, 6% cash back at U.S. supermarkets on up to $6,000 in purchases per calendar year (then 1%), 3% cash back at U.S. gas stations, and 1% cash back on all other purchases. The cash back is provided in the form of Reward Dollars that can be redeemed as statement credits.

Alongside the cash back, the Blue Cash Preferred® Card also offers valuable statement credits for Disney Bundle subscriptions, Equinox+ memberships, and a 0% intro APR on purchases and balance transfers for 12 months (followed by a variable APR).

With its generous cash-back rates and compelling statement credits, the Blue Cash Preferred® Card from American Express makes every purchase a rewarding experience.

Best American Express Card for Bonus Points on Travel

American Express® Green Card

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For travelers seeking a card that offers a balanced rewards program for travel-related expenses, the American Express® Green Card is an ideal choice. This card currently boasts its highest-ever welcome bonus offer, allowing cardholders to earn 60,000 points after spending $3,000 on purchases within the first six months of card membership.

The Amex Green Card provides exceptional points-earning potential across various travel categories. Cardholders earn 3 points per dollar on eligible travel, including flights, hotels, and subway fares, as well as 3 points per dollar on transit, such as trains, taxicabs, and rideshare services. Furthermore, the card offers 3 points per dollar at restaurants worldwide.

Beyond its rewards program, the American Express® Green Card features additional benefits like statement credits toward CLEAR® Plus membership and LoungeBuddy purchases. The card also offers a relatively moderate $150 annual fee, considering the value and perks it provides.

If you’re a travel enthusiast who wants to earn valuable bonus points, the American Express® Green Card is an excellent companion for your adventures.

Great Bonus Categories for Families

Amex EveryDay® Preferred Credit Card

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For families looking for a card with great bonus categories and flexible rewards, the Amex EveryDay® Preferred Credit Card is a top choice. This card offers a lower annual fee of $95 and provides a fantastic points-earning scheme.

Cardholders earn 3 points per dollar spent at U.S. supermarkets, up to $6,000 per calendar year (1 point per dollar after that), 2 points per dollar at U.S. gas stations, and 1 point per dollar on all other purchases. The card also rewards cardholders with a 50% bonus if they make 30 or more purchases in a billing period.

Furthermore, the Amex EveryDay® Preferred Credit Card offers a 0% intro APR on purchases and balance transfers for the first 12 months, making it an excellent choice if you have a significant purchase forthcoming and want to pay it off without incurring interest fees.

With its generous bonus categories, flexible redemption options, and favorable APR offer, the Amex EveryDay® Preferred Credit Card is an ideal choice for families looking to maximize their rewards.

Best Card With No Annual Fee

Amex EveryDay® Credit Card

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If you prefer a no-annual-fee option while still enjoying rewards and benefits, the Amex EveryDay® Credit Card fits the bill. This card offers an appealing rewards structure without any annual fees, making it an attractive choice for those looking to optimize their spending.

Cardholders earn 2 points per dollar spent at U.S. supermarkets (up to $6,000 in purchases per calendar year, then 1 point per dollar) and at AmexTravel.com. Additionally, you’ll earn 1 point per dollar on all other eligible purchases. The card also offers a 20% points bonus when you make 20 or more purchases in a billing period.

The Amex EveryDay® Credit Card provides essential travel and purchase protections and grants access to the Amex Offers program, which offers exclusive deals and savings for cardholders.

While the Amex EveryDay® Preferred Credit Card may be a better choice for most, the Amex EveryDay® Credit Card is an excellent option, especially for those seeking a rewards card with no annual fee.

Best Card With an Intro APR Offer

Blue Cash Everyday® Card from American Express

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For those looking to save on interest fees, particularly with a significant purchase on the horizon, the Blue Cash Everyday® Card from American Express offers an attractive 0% intro APR offer. This card provides a 12-month introductory period without any interest charges on purchases and balance transfers from the date of account opening.

In addition to its APR offer, the Blue Cash Everyday® Card offers cash-back rewards. Cardholders earn 3% cash back at U.S. supermarkets on up to $6,000 in purchases per calendar year (then 1%), 3% cash back at U.S. gas stations, 3% cash back on select online retail purchases, and 1% cash back on all other purchases. The card also provides statement credits for a Disney Bundle subscription and Home Chef subscription.

With its combination of a generous APR offer and compelling cash-back rewards, the Blue Cash Everyday® Card from American Express is an ideal choice for those looking to make substantial purchases without incurring interest charges.

Best Business Card for Travelers

The Business Platinum Card® from American Express

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Frequent business travelers seeking a premium card with extensive travel benefits will find The Business Platinum Card® from American Express an excellent fit. This card offers a range of perks similar to its personal counterpart, The Platinum Card® from American Express.

The Business Platinum Card offers up to $200 in airline fee credits per calendar year, lounge access to Centurion Lounges and Priority Pass lounges, and an annual statement credit toward CLEAR® Plus membership. Cardholders also enjoy complimentary Gold elite status with Marriott and Hilton, as well as a $100 credit for Global Entry or TSA PreCheck applications.

As for earning rewards, the Business Platinum Card caters to business owners with 1.5 points per dollar spent on purchases of $5,000 or more, as well as 1.5 points per dollar in select categories (up to $2 million per calendar year).

The card also includes discounts towards a Premium Private Jet Program and the Global Dining Access program by Resy.

With its premium benefits tailored to business travelers and superb rewards earning potential, The Business Platinum Card® from American Express is a must-have for frequent flyers.

Best Business Card for Big Spenders

American Express® Business Gold Card

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Small-business owners with significant expenses should consider the American Express® Business Gold Card. This card offers exceptional rewards on business-related spending and a lucrative welcome bonus offer.

Cardholders earn 4x American Express Membership Rewards points on the two categories where their business spends the most each billing cycle, up to $150,000 per calendar year. Additionally, they earn 1 point per dollar on all other purchases. The 4x points categories include airfare purchased directly from airlines, US gas stations, US restaurants, US shipping providers, US computer hardware and software purchases, and US advertising in select media.

With a 70,000-point welcome bonus, this card offers substantial value. The Business Gold Card also provides travel benefits, such as a 25% points rebate on first- and business-class flights booked through Amex Travel.

While the card includes an annual fee of $295, its generous bonus categories and travel perks make it an excellent option for big-spending businesses.

Best Business Card for Earning Maximum Points

The Blue Business® Plus Credit Card from American Express

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The Blue Business® Plus Credit Card from American Express offers an exceptional earning rate for small-business owners, without an annual fee. This card enables cardholders to earn 2 points per dollar on the first $50,000 spent each year, with a subsequent earning rate of 1 point per dollar.

With its impressive points-earning potential, cardholders effectively earn a 3.6% return on all purchases, considering the average value of Amex Membership Rewards points. The absence of an annual fee makes this card even more enticing for small-business owners looking to maximize their rewards.

Additionally, the Blue Business® Plus Credit Card offers a 0% intro APR on purchases for 12 months from account opening, followed by a reasonable variable APR. If your business has substantial upcoming purchases that you prefer to pay off gradually, this card provides an excellent solution.

Optimized for points accrual and featuring a no-annual-fee structure, The Blue Business® Plus Credit Card from American Express is an ideal choice for small-business owners seeking maximum rewards.

Best Business Card for Cash Back

The American Express Blue Business Cash™ Card

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For small-business owners who prefer cash-back rewards over points, The American Express Blue Business Cash™ Card is an excellent option. This card offers straightforward cash-back earnings without any annual fees.

Cardholders earn 2% cash back on all eligible purchases, up to $50,000 spent per calendar year, and 1% cash back on all other purchases. The cash back is received in the form of Reward Dollars, which can be redeemed as statement credits.

The American Express Blue Business Cash™ Card also provides a 0% intro APR on purchases for the first 12 months from account opening, making it a flexible option for businesses with significant upcoming expenses.

If you prefer cash-back rewards and desire a business card sans annual fees, The American Express Blue Business Cash™ Card is the perfect choice for your small business needs.

Best for Occasional Hilton Travelers

Hilton Honors American Express Card

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For occasional travelers who enjoy staying at Hilton properties, the Hilton Honors American Express Card with $0 annual fee is a fantastic choice. This no-fee option offers valuable benefits that enhance your stay at Hilton hotels.

The card’s welcome bonus of 80,000 Hilton Honors bonus points is worth $400 and provides a solid incentive for joining. Cardholders also receive automatic Silver elite status, which offers the fifth night free on standard award bookings of five or more nights.

With its excellent earnings rates, the Hilton Honors American Express Card enables cardholders to earn 5 points per dollar spent on eligible purchases at US restaurants, US supermarkets, and US gas stations. On all other eligible purchases, cardholders earn 3 points per dollar spent.

For occasional Hilton travelers who seek a rewarding hotel card without an annual fee, the Hilton Honors American Express Card is the perfect fit.

Best for Frequent Hilton Travelers

Hilton Honors American Express Aspire Card

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Frequent Hilton guests who value luxury and exceptional benefits will find the Hilton Honors American Express Aspire Card the pinnacle of hotel credit cards. While its $450 annual fee may seem significant, the card’s host of generous benefits more than compensates for the cost, making it a must-have for Hilton loyalists.

With a welcome bonus offer of 150,000 points, a free reward night certificate, and Hilton Diamond elite status, this card sets the stage for unforgettable stays. Cardholders also enjoy a free reward night certificate each year, a second free reward night certificate after reaching a specific spending threshold, and up to $300 in statement credits at eligible restaurants worldwide.

The Hilton Honors American Express Aspire Card earns a whopping 14 points per dollar on eligible purchases at Hilton hotels, 7 points per eligible dollar spent on flights booked directly with airlines or Amex Travel, select car rentals, and eligible US restaurant purchases, and 3 points per dollar on all other eligible purchases.

When it comes to premium hotel cards, the Hilton Honors American Express Aspire Card reigns supreme, offering unrivaled benefits, elevated earnings, and exclusive status.

Best for Delta Flyers

Delta SkyMiles® Gold American Express Card

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For frequent Delta flyers seeking a credit card that provides exceptional benefits and rewards, the Delta SkyMiles® Gold American Express Card is our top pick. With a moderate annual fee of $0 intro for the first year, then $99, this card offers significant perks beyond its fee.

Cardholders enjoy a free checked bag on Delta flights for themselves and up to eight companions on the same reservation, priority boarding, and 20% off inflight purchases as a statement credit. Additionally, the card offers a $100 flight credit when you spend $10,000 or more in a calendar year and a 15% discount on award flights with the Amex Delta TakeOff 15 benefit.

The Delta SkyMiles® Gold American Express Card also provides a welcome bonus of 40,000 bonus miles, which is worth $440 toward flights. Cardholders can take advantage of travel and shopping benefits, including car rental insurance, baggage insurance, purchase protection, and extended warranty coverage.

With its attractive benefits for Delta flyers, the Delta SkyMiles® Gold American Express Card enhances your travel experience while providing significant rewards.

Best Premium Card for Delta Flyers

Delta SkyMiles® Reserve American Express Card

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If you frequently fly with Delta and value luxury and exceptional benefits, the Delta SkyMiles® Reserve American Express Card is a regal choice. Although the card comes with a $550 annual fee, the wealth of benefits more than compensates for the cost, making it a must-have for Delta enthusiasts.

Cardholders gain exclusive access to Delta Sky Club and Amex Centurion lounges when flying Delta, which significantly enhances the travel experience. Additional perks include a free first checked bag, priority boarding, an annual Delta companion certificate, and 15,000 Medallion® Qualification Miles after spending $30,000 in purchases on the card in a calendar year.

The Delta SkyMiles® Reserve American Express Card offers a welcome bonus of 60,000 bonus miles, worth approximately $660 in flights. Additionally, cardholders earn an impressive 14 points per dollar spent on eligible purchases at Delta, 7 points per dollar spent on flights booked directly with airlines or Amex Travel, at eligible car rental agencies, and at eligible US restaurants, and 3 points per dollar on all other purchases.

With its plethora of benefits, superior earning potential, and exclusive access to Delta Sky Club lounges, the Delta SkyMiles® Reserve American Express Card is the ultimate luxury card for Delta flyers.

Best Luxury Card for Marriott

Marriott Bonvoy Brilliant® American Express® Card

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For frequent Marriott guests seeking a premium card with exceptional benefits and rewards, the Marriott Bonvoy Brilliant® American Express® Card is the epitome of luxury. This card offers several valuable benefits that enrich your stays at Marriott hotels.

Cardholders receive up to $300 in statement credits per calendar year for eligible purchases at restaurants worldwide, automatic Marriott Bonvoy Platinum elite status, an annual free night award valid at participating Marriott Bonvoy properties, and 25 elite night credits each calendar year.

When it comes to earning rewards, the Marriott Bonvoy Brilliant® American Express® Card offers 6x bonus points on eligible purchases at hotels participating in the Marriott Bonvoy program, 3x points at restaurants worldwide and for flights booked directly with airlines, and 2x points on all other eligible purchases.

In addition to its superb earnings rates, the card boasts additional benefits such as Priority Pass Select airport lounge membership and a Global Entry or TSA PreCheck application fee credit.

With its multitude of luxurious benefits tailored to Marriott loyalists, the Marriott Bonvoy Brilliant® American Express® Card is a must-have for those seeking unparalleled rewards and hotel experiences.

Conclusion

Choosing the right American Express credit card can significantly enhance your financial journey and everyday life. Whether you’re a frequent traveler, dining enthusiast, cash-back lover, or small-business owner, American Express offers an array of cards to suit your needs. From premium travel benefits to compelling rewards rates and statement credits, these cards provide tremendous value and flexibility.

Consider your lifestyle, spending habits, and goals when selecting an American Express credit card. Remember to weigh the fees against the benefits, evaluate the rewards programs, and choose the card that aligns with your preferences.

These American Express cards deliver exceptional rewards and benefits that can transform the way you use credit cards and earn value. Enjoy the extensive perks, maximize your rewards, and embark on a financial journey filled with exciting experiences and unparalleled benefits.