Best American Express Credit Cards of 2023 – 10 Latest Offers

American Express—a publicly-traded financial services company—has a line of business and personal credit card solutions for every financing need. Each American Express card offers different levels and types of membership rewards, including points, cash back, and travel perks. Whether you are looking for your first credit card, are a casual traveler, road warrior, or business owner, American Express has a credit card that will meet your needs. But which card is right for you?

We’ve pulled together the top 10 card offerings from American Express. Let’s see how they stack up against each other.

Top 10 Best American Express Credit Cards 2023

10 Best American Express Credit Cards of March 2023

American Express Platinum Card Express

American Express increased its annual fees on July 1, 2021, from $550 to $695, making it among the steepest in the industry. However, this fee comes with exclusive perks. 

You earn 100,000 Membership Rewards Points after using your card for$6,000  in purchases in the first six months. p You also earn 10X points per dollar spent at participating Shop Small businesses and restaurants worldwide up to $25,000 in combined purchases in your first 6 months. 

Other rewards offered by this card include:

• 5X points for every dollar spent on flights booked directly with airlines or with American Express Travel.
• 5 points per dollar on prepaid hotels booked with American Express Travel.
• 2 points per dollar on other eligible travel expenses booked with American Express Travel.
• 1 point per dollar on all other purchases.

If you are someone who enjoys travel, the Platinum Card’s high reward potential on flights and hotels booked through American Express Travel is worth their expensive annual fee.

American Express Gold Card

For those who spend a lot of money on food, this card is a great option for you. It is a premium express card with a $250 annual fee, however, it comes with $340 in benefits that more than makeup for the fee. Including $120 in Uber cash, a $120 dining credit, and a $100 hotel credit. This is what makes it more valuable than other dining cards that offer similarly rich ongoing rewards. 

To break the benefits down, you get a $120 annual dining credit in a monthly allotment of $10 to your account. This can be applied towards purchases made with select partners: The Cheesecake Factory, Grubhub, Ruth’s Chris Steak House, among others. 

You also get up to $120 in Uber cash when you add your card to your Uber account. It comes in a monthly allotment of $10 as well. 

Other bonuses and rewards include:

• 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new card within the first 6 months.
• 4 points per dollar spent at U.S. supermarkets on up to $25,000 in purchases a year.
• 4 points per dollar spent at restaurants
• 3 points per dollar spent on flights booked directly with airlines or with American Express Travel
• 1 point per dollar spent on other eligible purchases. 

American Express Blue Cash Preferred Card

There’s a lot to mention about this credit card as far as rewards and bonuses are concerned. But the most important ones include potential earnings of up to $350 in statement credits and 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership.

Grocery purchases earn you 6% cashback up to $6,000 a year. After you hit the limit, supermarket spending earns 1%. For a family that loves streaming, you stand to gain 6% cashback on eligible streaming services such as Spotify, Hulu, Netflix, or Pandora. Unlike supermarket rewards, streaming rewards aren’t capped. 

If you have a gas-guzzling vehicle, you don’t have anything to worry about as you also get 3% cashback as statement credits from purchases made at U.S. gas stations. The best part is, this incentive isn’t capped. 

American Express Delta SkyMiles Gold Card

Delta SkyMiles® Gold American Express Card delivers a lot of value for heavy travelers thanks to their numerous air benefits and low annual fee. Beginning with a healthy welcome bonus of 70,000 bonus miles after using your card for$2,000 in purchases in the first 3 months of opening the account. The offer expires on 11/10/2021, however, introductory offers like this aren’t up-common, so there is a good chance a new one will replace it.   Cardholders earn 2 miles per dollar on Delta purchases, at restaurants worldwide, and  U.S. supermarkets. In addition, you holders earn 1 mile per dollar on other eligible purchases.

Another vital reward includes a $100 Delta Flight Credit towards future travel after you spend $10,000 during a calendar year. 

The card also comes within-air benefits including a free checked bag and preferred boarding while keeping a low annual fee. For new cardholders, you will enjoy these perks for 1 year free, after that there is a $99annual fee.

American Express Business Gold Card

The card automatically earns elevated rewards in the two categories where you spend the most each month. Meaning, there is no need to choose your categories from a list of six categories they offer. 

The following categories qualify for this 4X points earning opportunity. This applies to the first $150,000 in combined spending per year. The two you spend the most in will earn the increased points:

The categories include:

• Airfare purchased directly from airlines.
• U.S. purchases for advertising in select media (online, TV, radio).
• U.S. purchases are made directly from select technology providers of computer hardware, software, and cloud solutions.
• United State purchases at gas stations.
• U.S. purchases at restaurants.
• U.S. purchases for shipping.

You also earn 70,000 Membership Rewards points after you spend $10,000 on eligible purchases within the first 3 months of Card Membership.  

There is an annual fee of $295. 

American Express Blue Cash Everyday Card

From flexible payment options to cash back on select purchases the Blue Cash Everyday card is a great choice for most consumers. Cardholders are rewarded with cash back on everyday purchases. Additionally, there is no annual fee compared to the more premium cashback card   Blue Cash Preferred.

Despite their zero annual fees, you can still earn up to $250 in statement credit as a welcome bonus. This includes $100 back after you spend $2,000 in purchases on your new Card within the first 6 months of card membership. 

In addition to welcome bonuses, it is packed with a variety r of elevated rewards. These include a hefty  6% cash back for simply grocery shopping. Purchase rewards from U.S. supermarkets are capped at  $6,000 a year, then the cashback reward lowers to 1%. The cashback rewards aren’t limited to groceries, you also earn 3% cash back at U.S. gas stations and on transit. This card also offers 6% cash back on select U.S. streaming subscriptions and 1% cashback on all other purchases.

The Blue Business® Plus Credit Card from American Express

With no annual fee and an awesome introductory bonus where you earn 15,000 reward points after you spend $3,000 on the card within the first three months of card ownership, this card offers flexibility perfect for small business owners. 

A simple yet generous reward rate is the card’s biggest strength. You earn double Membership Reward points per dollar spent up to $50,000 each calendar year. Any expenditure thereafter will earn you 1 point back. The card will support your business’s evolving needs, allowing you to spend beyond your approved limit.

American Express Blue Business Cash Card

The American Express Blue Business Cash card allows you to customize your bonus rewards and earn extra cashback in the categories you spend the most on.. Combine that flexibility with the card’s great 0% introductory APR period and an annual fee of $0, and you’ve got an outstanding option for small businesses.

After you make $3,000 in purchases on your Card in your first 3 months you’ll earn a statement credit. This awesome introductory offer is followed by a generous reward of 2% cashback on all eligible purchases up to $50,000 per calendar year, then 1% per dollar spent on every purchase. 

America Express also understands businesses undergo constant changes, so they offer expanded buying power that allows you to spend beyond your limit.

American Express Hilton Honors Aspire Car

The Hilton Honors American Express Card is the only hotel credit card that offers automatic top-tier elite status alongside other perks like a free weekend stay per year. . It also offers one of the best welcome bonuses you will find in the market. You earn 150,000 Hilton Honors Bonus Points after spending $4,000 in purchases within the first 3 months of opening an account.

The rewards are awesome too, earn a whopping 14 Hilton Honors Points per dollar spent on properties under the Hilton portfolio. You also earn 7 points per dollar on eligible purchases for flights booked directly with airlines or American Express Travel, car rentals booked directly from select car rental companies, and dining. Even more, you earn 3 points per dollar on all other eligible purchases. 

Cardholders also get a one weekend night award certificate each year after the first year and have the ability to earn an additional weekend night award per year after spending $60,000 on the card in a year. If you maximize all these perks, it will be worth paying the $450 annual fee.

American Express Business Platinum Card

The Business Platinum card is American Express’ premium business and Membership Rewards-earning card. Though it is one of the most expensive cards from American Express when it comes to annual fees, their $595  annual fee provides an impressive suite of travel, business expenses, and shopping benefits.

American Express has partnered with several key companies who most businesses already buy from. The statement credits offered on purchases from their partners are a nice perk to earn cash back on purchases your business is most likely already making. To begin with, cardholders get up to $200 per year cash back for  Dell purchases by earning $100 semi-annually. You also earn up to $200 per year in airline fee credits on eligible airlines with annual enrollment. An unmatched airport lounge access program gives cardholders access to over 1,300 lounges in over 500 airports, elite status with hotels, and benefits through the U.S. Fine Hotel and Resort Program. 

Cardholders also earn 5 Membership Rewards points per dollar spent on flights and prepaid hotels through American Express Travel. Even more, you can earn 50% more Membership Rewards points on each eligible purchase of $5,000 or more up to 1 million additional points per year. All other eligible purchases earn 1 point per dollar.

However, you need to spend  $15,000 on eligible purchases within the first 3 months of opening your account in order to earn the 100,000 Membership Rewards points, making this card the appropriate option for medium or larger companies. 

How we chose the best Amex Credit cards

American Express has a wide range of credit card options for both consumers and businesses. To select the list, we analyzed each against the following criteria:

1. Those that earn transferable points 

2. Those that earn points or miles in a specific program 

3. Those that earn cashback 

4. Cards suited for businesses and consumers

Within each category, we broke down the individual perks of each card 

using the following criteria: 

• Welcome bonus 
• Earning rate(s)
• Benefits
• Annual fee 

To make it easy to find the card best suited for your needs, we provided a detailed analysis of each card’s offerings. The final result is our top ten selection from the American Express line. You are now armed with the information you need to find the card best for you or your business. 

What is the best American Express credit card?

The best American Express credit card will depend on your needs. Whether you prefer cash back, reward points, travel benefits, or all of the above, there is a solution for everyone. Understanding your business habits will help guide you in your selection. 

Conclusion

It’s not necessary to have a credit card, but when used responsibly, they are a great way to build credit and earn rewards on purchases you are already making. Credit cards can also deliver peace of mind, providing access to funds in the event of an emergency, help finance big purchases, and protect you from fraud. With our top ten picks, we’re confident you’ll find an American Express card right for you! 

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