Best American Express Membership Rewards Cards

Here are the best American Express Membership Rewards card offers:

Amex Membership Rewards Personal Cards

Here are the best American Express Membership Rewards Personal card offers:

American Express® Gold Card

Experience Dining & Travel Rewards with the American Express^® Gold Card

Up to 100,000 Membership Rewards^® points after $6,000 in purchases within the first 6 months
4X points at restaurants worldwide (on up to $50,000 per year, then 1X)
4X points at U.S. supermarkets (on up to $25,000 per year, then 1X)
3X points on flights booked directly with airlines or on AmEx Travel
1X point on all other purchases
No foreign transaction fees
$120 annual dining credit ($10 monthly) at select partners like Grubhub & The Cheesecake Factory
Up to $120 Uber Cash ($10 monthly) for U.S. Uber rides & Uber Eats
Up to $100 Resy credit ($50 semi‑annually) on eligible restaurant bookings
Up to $84 Dunkin’ credit ($7 monthly) at U.S. Dunkin’ locations
Transfer points to leading airline & hotel partners for maximum value

Whether you’re indulging in chef‑crafted meals, stocking up on groceries or flying across the globe, the AmEx Gold Card turns everyday spend into premium rewards. Use your monthly credits, earn accelerated points on dining and travel, and redeem points for statement credits or transfer to top loyalty programs—all while enjoying no foreign transaction fees.

Terms apply. Welcome offer and credits require enrollment and qualifying purchases. See issuer for full details.

The Platinum Card® from American Express

Unlock Premium Travel & Lifestyle Benefits with The Platinum Card^® from American Express

Welcome Offer: 80,000 Membership Rewards^® points after spending $8,000 in eligible purchases in your first 6 months of Card Membership.

The Platinum Card^® from American Express delivers exceptional value for travelers and lifestyle enthusiasts. With this premium card, you’ll enjoy:

5X Membership Rewards^® points on flights and prepaid hotels booked through American Express Travel^®
Global Lounge Collection^® access to over 1,550 airport lounges including Centurion Lounges and Delta Sky Clubs^®
$600 Hotel Credit annually on Fine Hotels + Resorts^® or The Hotel Collection bookings
$400 Resy Credit plus exclusive Platinum Nights by Resy restaurant reservations
$320 Uber benefits ($200 Uber Cash + $120 Uber One membership credits)
$300 Digital Entertainment Credit ($25 monthly for eligible streaming services)
$300 lululemon Credit ($75 quarterly)
$209 CLEAR^® Plus Credit annually
$200 Airline Fee Credit with your selected qualifying airline
$155 Walmart+ Credit for monthly membership
$100 Saks Fifth Avenue Credit ($50 semi-annually)

The Platinum Card^® offers premium early check-in and guaranteed 4PM late checkout at Fine Hotels + Resorts^® properties, helping you maximize your vacation time.

With dedicated 24/7 Member Services support and a suite of benefits that deliver over $2,500 in potential annual value, The Platinum Card^® stands apart as a premium travel and lifestyle companion.

American Express® Green Card

Elevate Your Travel & Dining with the American Express^® Green Card

Earn 3X Membership Rewards^® points on travel (flights, hotels, car rentals, cruises, tours, campgrounds, vacation rentals)
Earn 3X Membership Rewards^® points on transit (taxi, rideshare, train, bus, ferry, parking, tolls)
Earn 3X Membership Rewards^® points at restaurants worldwide (including takeout and delivery)
Earn 1X Membership Rewards^® point on all other purchases
40,000‑point welcome bonus after $3,000 in purchases within your first 6 months
$189 CLEAR Plus^® statement credit per year toward your CLEAR membership
Trip Delay Insurance reimburses up to $300 for delays over 12 hours
No foreign transaction fees
$150 annual fee

Perfect for frequent travelers and food enthusiasts, this card maximizes rewards on the move—whether you’re crossing time zones, hailing rides, or exploring new eateries. Redeem Membership Rewards^® points for travel, statement credits, or transfers to leading airline and hotel partners for premium value. Use AmEx’s Plan It^® or Pay Over Time^® options to split large purchases into predictable payments, and enjoy the flexibility to spend beyond your limit when you need it. With built‑in protections, generous credits, and no foreign transaction fees, the American Express^® Green Card turns everyday experiences into extraordinary adventures.

Terms apply. Enrollment and eligible purchases required for benefits and credits. See issuer’s site for full details.

Amex Membership Rewards Business Cards

Here are the best American Express Membership Rewards Business card offers:

American Express Business Gold Card

Unlock Customized Rewards with the American Express Business Gold Card

100,000 Membership Rewards^® points after $15,000 in purchases within the first 3 months
4X points on your top two spend categories each billing cycle—from advertising and U.S. software to gas stations, restaurants, transit and wireless—on up to $150,000 in combined purchases per year
1X point on all other purchases
$20 statement credits each month for eligible U.S. spending at FedEx, Grubhub and office supply stores (up to $240 per year)
$12.95 monthly credit for Walmart+ membership (enrollment required)
$375 annual fee

Perfect for businesses that want to tailor rewards to their most essential expenses, this card adapts each month to where you spend most, maximizing your point-earning potential. Enjoy flexible buying power, Pay Over Time options and intuitive expense management in the American Express app.

Terms apply. Bonus points and statement credits require enrollment and qualifying purchases. 4X points cap of $150,000 combined spend per calendar year then 1X. See terms for details.

The Business Platinum Card® from American Express

Unlock Premium Business Travel Benefits with The Business Platinum Card^® from American Express

Elevated Welcome Offer: Earn 200,000 Membership Rewards^® points after you spend $20,000 in eligible purchases within the first 3 months of Card Membership!

The Business Platinum Card^® from American Express delivers exceptional value that can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds. With this premium business card, you’ll enjoy:

Access to 1,550+ airport lounges across 140 countries with the American Express Global Lounge Collection^®
Up to $600 in statement credits annually on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings
Up to $200 Airline Fee Credit with your selected qualifying airline
Up to $200 back annually on eligible Hilton purchases (for Hilton For Business members)
Up to $209 back annually on CLEAR^® Plus Membership
Up to $1,150 in Dell Technologies credits ($150 statement credit plus an additional $1,000 after spending $5,000+)
$250 Adobe credit after spending $600+ per calendar year
Up to $360 back annually for purchases with Indeed
Up to $120 back annually for wireless telephone services

Business Platinum cardholders earn 5X points on flights and prepaid hotels on AmexTravel.com, 2X points on select business categories and eligible purchases of $5,000 or more (up to $2 million per calendar year), and 1X points on other eligible purchases.

With a flexible spending limit that adapts based on your purchase, payment and credit history, The Business Platinum Card^® is designed to support your growing business needs.

American Express Business Green Rewards Card

Empower Your Business with the American Express Business Green Rewards Card

15,000 Membership Rewards^® points after $3,000 in purchases within the first 3 months
2X points on eligible purchases at amextravel.com
1X point on all other purchases
No preset spending limit for flexible purchasing power
Pay Over Time option on qualifying charges
$95 annual fee

Tailored for small‑business owners and side hustlers, this card turns travel and everyday expenses into valuable Membership Rewards^® points you can transfer to leading airlines and hotels or redeem for statement credits. Choose to pay balances in full each month or carry qualifying charges over time, and enjoy the adaptability of a card that grows with your business needs.

Terms apply. Welcome bonus requires $3,000 spend in 3 months. Pay Over Time and Pay In Full options subject to eligibility. Foreign transaction fee: 2.7%. See issuer for full details.

The Blue Business® Plus Credit Card from American Express

Amplify Everyday Business Spend with the American Express Blue Business Plus™ Card

2X Membership Rewards^® points on all eligible purchases (up to $50,000 per calendar year)
1X point on purchases thereafter
No annual fee
Expanded Buying Power lets you exceed your credit limit when you need extra flexibility
Up to 99 employee cards at no additional cost, each with customizable spending controls

Perfect for growing businesses, this card turns routine expenses—office supplies, travel and client entertainment—into valuable Membership Rewards^®. Earn accelerated points on your first $50,000 in spend each year, then continue earning at a flat rate. Enjoy the freedom to adapt your spending limit as your needs evolve, and track all activity easily in the AmEx Business app.

Terms apply. 2X points on up to $50,000 in purchases per calendar year, then 1X. Expanded Buying Power adjusts based on credit, purchase, payment history and other factors. See issuer for complete details.

FAQs About American Express Membership Rewards Cards

What can I do with Membership Rewards points?

You can redeem Membership Rewards points for travel bookings, statement credits, shopping, gift cards, or transfer them to airline and hotel partners. This flexibility allows you to maximize value based on your goals.

How do I transfer Amex points to travel partners?

Transfers are done through your Amex online account. You choose a partner, specify the number of points, and initiate the transfer. It usually completes in a few days, and you’ll receive confirmation when the partner posts the points.

Do Membership Rewards points expire?

No, as long as you have at least one eligible Amex card open, your points remain valid indefinitely. Closing all Membership Rewards-earning cards could void your points balance.

Are Amex points worth more for travel?

Yes—when used smartly. You often get more value by transferring points to airlines or hotels rather than redeeming them directly for merchandise or statement credits.

Can I combine points from multiple Amex cards?

Yes—points from different Membership Rewards-earning Amex cards in your name will auto-pool into one account, letting you coordinate redemptions or transfers strategically.

Which Amex Membership Rewards card is best for travel perks?

Picks vary by benefit preference, but premium cards with lounge access, travel credits, and elevated earning in travel and dining categories typically offer the most value for frequent travelers.

Is it wise to redeem Amex points for cash instead of travel?

You can get statement credits or bank deposits with points, but those redemptions often yield lower value per point compared to travel. Evaluate both options to see which gives you more benefit.