Best American Express Credit Cards

American Express is one of the most valued brands in the world. The company has come up with a range of credit cards to help people with their credit requirements. In this article on best American Express credit cards, we are going to take a quick look at some of the best cards that the company has to offer to those who seek the same.

Without further ado, let us begin.

Best American Express Credit Cards

1. For everyday users: Blue Cash Everyday® Card

Best American Express Credit Cards

The Blue Cash Everyday® Card comes under the category of Reward Credit Cards. The card comes with some excellent signup bonuses and a lot of cash back opportunities. The most important features and benefits of the card are:

Regular APR* (Variable) 14.99% to 25.99%
Introductory APR for purchases 0% for 15 billing cycles.
Introductory APR for balance transfers 0% for 15 billing cycles only if you transfer the balance within 60 days of opening the credit card account.
Balance transfer fee Greater of 3% of transfer amount, or $5.
Annual fee $0
$0 Fraud Liability Yes.
Purchase protection Yes.
Required credit Good or Excellent (670 to 850 recommended).

* Regular APR that the company offers to you will depend on your creditworthiness.

Benefits of Blue Cash Everyday® Card:

  • If you spend $1,000 within the first 90 days from the date of opening the account, you will get a statement credit of $150.
  • If you use the card for purchasing from U.S. Supermarkets with maximum spending of $6,000 in one calendar year, you will get 3% cash back for every purchase. After the first year, the cash back will drop down to 1%.
  • If you are using the card for making purchases at U.S. department stores, and at gas stations, you will get 2% cash back.
  • If you use the card for any other purchases, the cash back percentage will be 1%.
  • The company gives the cash back in the form of Reward Dollars. You can redeem your cash backs in the form of gift cards, merchandise, or statement credit.

2. For high-value customers: The Platinum Card®

Best American Express Credit Cards

The Platinum Card® from American Express is for very high-value customers. In short, if you are a person who is rich enough and prefers exclusive membership benefits, this credit card is for you. The most important features and advantages of the card are:

Regular APR (Variable) None because you have to repay the entire balance each month.
Introductory APR for purchases None.
Introductory APR for balance transfers None.
Balance transfer fee Not applicable.
Annual fee $550.
Required credit Good or Excellent (670 to 850 recommended).

Benefits of the Platinum Card®:

  • If you spend $5,000 within the first 90 days after getting the card, you will receive 60,000 Membership Rewards® Points.
  • If you use your card for booking prepaid hotels through amextravel.com, you will get 5X reward points.
  • If you use the card for booking flights either through American Express Travel or directly, you will get 5X Membership Rewards® Points.
  • For one qualifying airline, you will get $200 for baggage fees, and $200 credit for airline fee in one calendar year.
  • You will get VIP status for Uber rides with $15 worth of free Uber rides every month within the USA. In December each year, you will also get a $20 bonus. So, you end up saving $200 per year on your Uber rides. The only condition is that you need to pay using your Platinum Card®.
  • If you make purchases using your card at Saks Fifth Avenue, you will get $100 towards statement credit per year. You will have to enroll for this benefit.
  • When you hold a Platinum Card®, you will get access to proprietary lounge locations globally through the Global Lounge Collection, which is a credit card lounge access program at airports.
  • You will get access to Fine Hotels & Resorts® Program. You will get benefits worth $550.

3. For business people: The Blue BusinessSM Plus Credit Card

Best American Express Credit Cards

The Blue BusinessSM Plus Credit Card is for those who are in business. Yes, the card falls under the category of Business Credit Cards. The card comes with a lot of perks that can help a businessman or a businesswoman. The primary features and benefits of the credit card are:

Regular APR* (Variable) 13.24%, 17.24%, or 21.24%
Introductory APR for purchases 0% for 15 billing cycles.
Introductory APR for balance transfers 0% for 15 billing cycles only if you transfer the balance within 60 days of opening the credit card account.
Balance transfer fee Greater of 3% of transfer amount, or $5.
Annual fee $0
Purchase protection Yes.
Required credit Good or Excellent (670 to 850 recommended).

* The APR the company gives you will depend on your creditworthiness.

Benefits of the Blue BusinessSM Plus Credit Card

  • You will get rewards when you use the credit card for business as usual. Whenever you use the card for client dinners or for purchasing office supplies, you will earn 2X points.
  • In the first year, if you use the card for making $50,000 worth of business purchases, you will get 2X reward points. After that, you will be eligible to 1 point for every dollar that you spend on business purchases.
  • You can buy above your credit limit using the card but subject to your payment history, your financial resources that American Express knows about, your credit record, and various other factors. The company will evaluate all the data available and will set a cap to the extra spending limit above your credit limit.
  • You can go ahead and get extra cards for your employees. There will be no annual fee for those cards as well.
  • You can carry out foreign transactions using the card, but there will be a charge of 2.7% for each transaction, and that too after conversion into the US Dollars.

Conclusion

The cards listed above are the best American Express credit cards available in their respective categories. However, the company has many more cards to offer, for instance, Cash MagnetTM Card, American Express® Gold Card, SimplyCash® Plus Business Credit Card, Platinum Delta SkyMiles® Business Credit Card. Feel free to check them out whenever you want. Perhaps one among them may be the one that you need for your requirements.

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