Best American Express Credit Cards in the US

All Travel Business Hotel Airline No Annual Fee Premium Cash Back

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The Platinum Card® from American Express

Amex American Express Membership Rewards

Annual fee: $895
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$3,325Total$3,325Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $3,325
Welcome offerAfter $12,000 in 6 months: 175,000 points

Features
Issuer: Amex
Network
Program: American Express Membership Rewards

Fees and terms
Annual Fee: $895/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Current welcome offer of 80,000 Membership Rewards^® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Get more for your travels with 5X Membership Rewards^® points on all flights and prepaid hotel bookings through American Express Travel^®, including Fine Hotels + Resorts^® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel^® on up to $500,000 on these purchases per calendar year.
More Value! With over 1,550 airport lounges – more than any other credit card company on the market* – enjoy the benefits of the Global Lounge Collection^®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club^® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card^® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card^® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card^® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card^® at participating partners. Enrollment required.
More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts^® or The Hotel Collection* bookings through American Express Travel^® using the Platinum Card^®. *The Hotel Collection requires a minimum two-night stay.
New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card^® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card^®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
More Value! $209 CLEAR^® Plus Credit: CLEAR^® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card^®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card^® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts^® through American Express Travel^®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card^® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card^®. *Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
$100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card^®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
Whenever you need us, we’re here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
$895 annual fee.
Terms Apply.

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Rewards: Rate
Travel: 5x

Benefits
Airport lounges: Included
NEXUS: $120
Annual credit: Included

Travel insurance: Coverage
Trip Cancellation: $10,000
Trip Interruption: $10,000
Lost Baggage: $3,000
Flight Delay: $500

Purchase protection: Coverage
Purchase Protection: $10,000 · 90 days
Extended Warranty: +1 year
Mobile Device: $800
Auto Rental Collision (secondary): $75,000 · 30 days

Read full review

Pros

Welcome bonus of 175,000 points

Cons

High annual fee ($895)

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)

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American Express® Gold Card

Amex American Express Membership Rewards

Annual fee: $325
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,900Total$1,900Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,900
Welcome offerAfter $8,000 in 6 months: 100,000 points

Features
Issuer: Amex
Network
Program: American Express Membership Rewards

Fees and terms
Annual Fee: $325/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

You may be eligible for as high as 100,000 Membership Rewards Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 3X Membership Rewards points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Earn 2X Membership Rewards points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
Earn 1X Membership Rewards point per dollar spent on all other eligible purchases.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
$84 Dunkin’ Credit: With the $84 Dunkin’ Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express Gold Card at U.S. Dunkin’ locations. Enrollment is required to receive this benefit.
$100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That’s up to $50 in statement credits semi-annually. Enrollment required.
$120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.

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Rewards: Rate
Groceries: 4x
Restaurants: 4x
Travel: 3x

Benefits
Annual credit: Included

Travel insurance: Coverage
Lost Baggage: $1,250
Flight Delay: $300

Purchase protection: Coverage
Purchase Protection: $10,000 · 90 days
Extended Warranty: +1 year
Auto Rental Collision (secondary): $50,000 · 30 days

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Pros

Welcome bonus of 100,000 points
4x on groceries
4x at restaurants

Cons

High annual fee ($325)

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

Up to 100,000 Membership Rewards^® points after $8,000 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.

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The Business Platinum Card® from American Express

Business Amex American Express Membership Rewards

Annual fee: $895
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$5,700Total$5,700Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $5,700
Welcome offerAfter $20,000 in 3 months: 300,000 points

Features
Issuer: Amex
Network
Program: American Express Membership Rewards

Fees and terms
Annual Fee: $895/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Elevated Welcome Offer: Earn up to 300,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Business Platinum Card^® within the first 3 months of Card Membership.
The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
New! Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card^®. The Hotel Collection requires a minimum two-night stay.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card^® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR^® Plus Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel^™.
New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
5X points on flights and prepaid hotels on AmexTravel.com
1X points on other eligible purchases
$895 Annual Fee.
Terms Apply.

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Rewards: Rate
Travel: 5x

Benefits
Airport lounges: Included
NEXUS: $120
Annual credit: Included

Travel insurance: Coverage
Trip Cancellation: $10,000
Trip Interruption: $10,000
Lost Baggage: $3,000
Flight Delay: $500

Purchase protection: Coverage
Purchase Protection: $10,000 · 90 days
Extended Warranty: +1 year
Mobile Device: $800
Auto Rental Collision (secondary): $75,000 · 30 days

Read full review

Pros

Welcome bonus of 300,000 points

Cons

High annual fee ($895)

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

Elevated Welcome Offer: Earn up to 300,000 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

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American Express Business Gold Card

Business Amex American Express Membership Rewards

Annual fee: $375
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$3,800Total$3,800Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $3,800
Welcome offerAfter $15,000 in 3 months: 200,000 points

Features
Issuer: Amex
Network
Program: American Express Membership Rewards

Fees and terms
Annual Fee: $375/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Welcome Offer: Earn as high as 200,000 Membership Rewards points after you spend $15,000 in purchases on your new Card within the first 3 months of Card Membership. You may not be eligible for the maximum offer amount.*
0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 29.24% variable APR.*
Earn 4X Membership Rewards points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
Earn 3X Membership Rewards points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at Grubhub, Office Supply Stores, and shipments at UPS.com. This can be an annual savings of up to $240. Enrollment required.*
Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
*Terms Apply

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Benefits
Annual credit: Included

Travel insurance: Coverage
Lost Baggage: $1,250
Flight Delay: $300

Purchase protection: Coverage
Purchase Protection: $1,000 · 90 days
Extended Warranty: +1 year
Mobile Device: $800
Auto Rental Collision (secondary): $50,000 · 30 days

Read full review

Pros

Welcome bonus of 200,000 points

Cons

High annual fee ($375)

Unlock Customized Rewards with the American Express Business Gold Card

As high as 200,000 Membership Rewards^® points after $15,000 in purchases within the first 3 months (you may not be eligible for the maximum amount)
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. purchases at Grubhub, office supply stores and shipments at UPS.com (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.

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Hilton Honors American Express Aspire Card

Amex Hilton Honors

Annual fee: $550
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,000Total$1,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,000
Welcome offerAfter $6,000 in 6 months: 200,000 points; Ends Jan 13, 2027

Features
Issuer: Amex
Network
Program: Hilton Honors

Fees and terms
Annual Fee: $550/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Read full review

Rewards: Rate
Restaurants: 7x

Benefits
Annual credit: Included
Travel Wi-Fi: Included

Travel insurance: Coverage
Trip Cancellation: $10,000
Trip Interruption: $10,000
Lost Baggage: $3,000
Flight Delay: $500

Purchase protection: Coverage
Purchase Protection: $10,000 · 90 days
Extended Warranty: +1 year
Mobile Device: $800
Auto Rental Collision (secondary): $75,000 · 30 days

Read full review

Pros

Welcome bonus of 200,000 points
3x on groceries
7x at restaurants

Cons

High annual fee ($550)

Unlock Luxury Stays & Exclusive Perks with the Hilton Honors Aspire Card

200,000 Bonus Hilton Honors Points when you spend $6,000 in purchases within the first 6 months of card membership
14X points per $1 on Hilton stays
7X points per $1 on flights booked directly with airlines or through AmexTravel.com, car rentals and U.S. restaurants
3X points per $1 on all other eligible purchases
$450 Hilton resort credit annually (up to $150 per stay)
$250 airline fee credit per calendar year for incidental charges
$100 Digital Entertainment credit each year for eligible services
Automatic Hilton Honors Diamond status for room upgrades, free breakfast and premium Wi‑Fi
Complimentary Priority Pass^™ Select membership with unlimited lounge visits
Free weekend night reward each year after renewal
No foreign transaction fees

This card is ideal for travelers who demand top-tier benefits at every stay. Earn accelerated points on all your Hilton bookings and everyday spending, then redeem them for free nights or premium experiences. Your annual credits offset the fee and elevate resort and airline travel, while Diamond status ensures comfort from check‑in to checkout. Manage your rewards effortlessly with the Amex app and enjoy seamless access to lounges worldwide.

Terms apply. Credits require enrollment and eligible purchases. See issuer for complete details.

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Delta SkyMiles® Reserve Business Card

Business Amex Delta SkyMiles

Annual fee: $650
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$2,400Total$2,400Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $2,400
Welcome offerAfter $20,000 in 6 months: 200,000 points; Ends Nov 4, 2026

Features
Issuer: Amex
Network
Program: Delta SkyMiles

Fees and terms
Annual Fee: $650/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Limited Time Offer: Earn 110,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/16/25.
Delta SkyMiles Reserve Members receive 15 Visits each Medallion Year to the Delta Sky Club and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
Earn 3 miles per dollar on eligible Delta purchases.
Get closer to elevated Status next Medallion Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles Reserve Business American Express Card.
Receive a Companion Certificate on a First Class, Delta Comfort+, or Main Cabin domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
Earn up to $10 back each month after using your enrolled Delta SkyMiles Reserve Business American Express Card for U.S. rideshare purchases with select providers.
Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
When you purchase a Delta flight with your Delta SkyMiles Reserve Business Card, you will receive complimentary access to The Centurion Lounge or Escape Lounge.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles Reserve Business American Express Card.
Terms and limitations apply.

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Rewards: Rate
Delta flights: 3x
Transit: 1.5x
Office: 1.5x

Benefits
Airport lounges: 15 visits/yr
NEXUS: $120
Annual credit: Included

Travel insurance: Coverage
Trip Cancellation: $10,000
Trip Interruption: $10,000
Lost Baggage: $1,250
Flight Delay: $500

Purchase protection: Coverage
Purchase Protection: $10,000 · 90 days
Extended Warranty: +1 year
Mobile Device: $800
Auto Rental Collision (secondary): $75,000 · 30 days

Read full review

Pros

Welcome bonus of 200,000 points

Cons

High annual fee ($650)

Power Your Business Journeys with the Delta SkyMiles^® Reserve Business American Express^® Card

70,000 bonus miles after $6,000 in purchases within your first 6 months
3X miles on Delta purchases and direct hotel bookings
1.5X miles on U.S. shipping, transit and select business expenses
15 Delta Sky Club^® lounge visits per Medallion^® year plus four guest passes
Up to $200 annual statement credit for Delta in‑flight purchases
Global Entry/TSA PreCheck^® credit up to $100 every four years
Priority boarding and free first checked bag for you and up to eight companions
$650 annual fee; no foreign transaction fees

Designed for entrepreneurs who fly Delta often, this card accelerates your miles on core travel and business categories while delivering premium lounge access and travel credits that offset the fee. Enjoy seamless expense management with employee cards at no extra cost, enhanced meeting productivity in Sky Club lounges, and automatic reimbursement for your trusted security screening program. Redeem miles flexibly for award flights or statement credits, and watch your business take off with every dollar spent.

Terms apply. Welcome bonus, lounge access and credits require qualifying purchases. See issuer’s site for full details.

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Hilton Honors Business Card

Business Amex Hilton Honors

Annual fee: $195
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$750Total$750Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $750
Welcome offer+ Free Night RewardAfter $8,000 in 6 months: 150,000 points; Ends Jan 13, 2027

Features
Issuer: Amex
Network
Program: Hilton Honors

Fees and terms
Annual Fee: $195/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points + a Free Night Reward after you spend $8,000 in purchases on the Hilton Honors American Express Business Card in your first 6 months of Card Membership.
Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold Status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay.
You may receive an upgrade to Hilton Honors Diamond Status through the end of the next calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
As a Hilton Honors American Express Business Card Member, you can enroll to receive complimentary National Car Rental Emerald Club Executive status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
Terms apply.

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Rewards: Rate
Hilton hotels: 12x

Benefits
Annual credit: $240/yr

Travel insurance: Coverage
Lost Baggage: $1,250

Purchase protection: Coverage
Purchase Protection: $1,000 · 90 days
Extended Warranty: +1 year
Auto Rental Collision (secondary): $50,000 · 30 days

Read full review

Pros

Welcome bonus of 150,000 points
5x on groceries
5x at restaurants

Cons

High annual fee ($195)

Maximize Your Stays & Savings with the Hilton Honors American Express Business Card

150,000 bonus points + a Free Night Reward after $8,000 in eligible purchases within the first 6 months (offer ends 1/13/27)
12X points per $1 on eligible purchases made directly with hotels and resorts in the Hilton portfolio
5X points per $1 on other eligible purchases on the first $100,000 each calendar year, then 3X
Up to $60 in statement credits each quarter (up to $240 a year) on purchases made directly with a property in the Hilton portfolio
Complimentary Hilton Honors Gold status, with an upgrade to Diamond after $40,000 in eligible purchases in a calendar year
$195 annual fee
No foreign transaction fees

Whether you’re booking client travel or rewarding your team, this card turbocharges your Hilton Honors earnings on both hotel stays and everyday business expenses. Redeem points for free nights or room upgrades, and use the quarterly Hilton credits and Gold status to get more out of every stay.

Terms apply. Bonus points and statement credits require qualifying purchases. See issuer for complete details.

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Hilton Honors American Express Surpass® Card

Amex Hilton Honors

Annual fee: $150
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$650Total$650Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $650
Welcome offerAfter $3,000 in 6 months: 130,000 points Free Night Reward; Ends Jan 13, 2027

Features
Issuer: Amex
Network
Program: Hilton Honors

Fees and terms
Annual Fee: $150/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Earn 130,000 Hilton Honors Bonus Points + a Free Night Reward after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership.
Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass Card. That’s up to $200 in statement credits annually.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 4X Points for each dollar on U.S. Online Retail Purchases.
Earn 3X Points for all other eligible purchases on your Card.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors American Express Surpass Card.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond Status through the end of the next calendar year.
As a Hilton Honors American Express Surpass Card Member, you can enroll to receive complimentary National Car Rental Emerald Club Executive status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
$150 annual fee.
Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

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Rewards: Rate
Groceries: 6x
Gas & EV: 6x
Restaurants: 6x

Benefits
Annual credit: $200/yr

Travel insurance: Coverage
Lost Baggage: $1,250

Purchase protection: Coverage
Purchase Protection: $1,000 · 90 days
Extended Warranty: +1 year
Auto Rental Collision (secondary): $50,000 · 30 days

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Pros

Welcome bonus of 130,000 points
6x on groceries
6x at restaurants

Cons

Fewer premium perks

Maximize Your Hilton Honors Rewards with the Hilton Honors American Express Surpass^® Card…

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Marriott Bonvoy Business® American Express® Card

Business Amex Marriott Bonvoy

Annual fee: $125
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$750Total$750Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $750
Welcome offer+ 1 Free Night Award (up to 50,000 points)After $8,000 in 6 months: 100,000 points; Ends Nov 4, 2026

Features
Issuer: Amex
Network
Program: Marriott Bonvoy

Fees and terms
Annual Fee: $125/yr
Min. annual income: —

Issuer terms

LIMITED TIME OFFER: Earn 100,000 Marriott Bonvoy^® bonus points and 1 Free Night Award (redemption level at or under 50,000 points) after you use your new Card to make $8,000 in eligible purchases within the first 6 months of Card Membership. Offer ends 11/4/2026. Terms apply.
Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy^® member & a Marriott Bonvoy Business^® American Express^® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
6x points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy^® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 points) at hotels participating in Marriott Bonvoy^®. Certain hotels have resort fees.
Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business^® American Express^® Card.
Terms apply.

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Rewards: Rate
Marriott Bonvoy hotels: 6x
Gas & EV: 4x
Telecom: 4x

Benefits
Travel Wi-Fi: Included

Travel insurance: Coverage
Lost Baggage: $1,250

Purchase protection: Coverage
Purchase Protection: $1,000 · 90 days
Extended Warranty: +1 year
Auto Rental Collision (secondary): $50,000 · 30 days

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Pros

Welcome bonus of 100,000 points
2x on groceries
2x at restaurants

Cons

Fewer premium perks

Boost Your Business Travel with the Marriott Bonvoy Business^® American Express^® Card – Limited-Time Offer!

Earn 100,000 Marriott Bonvoy^® bonus points and 1 Free Night Award (redemption level up to 50,000 points) after spending $8,000 in eligible purchases within the first 6 months of Card Membership. Offer ends 11/4/2026.

Here’s why this card is a must-have for business travelers:

Big Rewards: Earn 6x points at participating Marriott Bonvoy^® hotels, 4x points at restaurants worldwide, U.S. gas stations, on U.S. wireless telephone services, and on U.S. shipping purchases, and 2x points on all other spending.
Save on Stays: Enjoy a 7% discount on eligible bookings at participating properties when you book directly with Marriott.
Valuable Free Nights: Get one Free Night Award every year after your card renewal month, plus another after spending $60,000 annually (redemption level up to 35,000 points; resort fees may apply).
Gold Elite Status: Enjoy automatic Gold Elite status with perks like bonus points on stays, late checkout, and room upgrades.

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Delta SkyMiles® Platinum Business Card

Business Amex Delta SkyMiles

Annual fee: $350
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,200Total$1,200Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,200
Welcome offerAfter $8,000 in 6 months: 100,000 points; Ends Nov 4, 2026

Features
Issuer: Amex
Network
Program: Delta SkyMiles

Fees and terms
Annual Fee: $350/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Limited Time Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer ends 11/4/26.
Enjoy a Companion Certificate each year after renewal of your Delta Platinum Business Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
Get closer to elevated Status next Medallion Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles Platinum Business American Express Card.
Delta SkyMiles Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
Earn up to $10 back each month after using your enrolled Delta SkyMiles Platinum Business American Express Card for U.S. rideshare purchases with select providers.
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Terms and limitations apply.

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Rewards: Rate
Delta flights: 3x
Transit: 1.5x

Benefits
NEXUS: $120
Annual credit: Included

Travel insurance: Coverage
Lost Baggage: $1,250
Flight Delay: $300

Purchase protection: Coverage
Purchase Protection: $1,000 · 90 days
Extended Warranty: +1 year
Mobile Device: $800
Auto Rental Collision (secondary): $50,000 · 30 days

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Pros

Welcome bonus of 100,000 points

Cons

High annual fee ($350)

Elevate Your Business Travels with the Delta SkyMiles^® Platinum Business American Express^® Card

100,000 bonus miles after $8,000 in purchases within your first 6 months (limited-time offer, ends 11/4/26)
3X miles on purchases made directly with Delta and on hotel stays
1.5X miles on transit, U.S. shipping and select business purchases
1X mile on all other eligible purchases
$350 annual fee
Annual Companion Certificate for a Main Cabin companion fare (taxes & fees apply)
Global Entry credit of $120 or TSA PreCheck^® credit up to $85 every four years
$120 Resy credit and $120 rideshare credit each year (enrollment required)
15% savings when using miles to book Delta award travel

Designed for frequent flyers and savvy business owners, this card turbocharges your earnings on every trip while unlocking top-tier perks. Enjoy accelerated miles on core categories, seamless digital tools for expense management, and premium travel benefits like complimentary upgrade list access and priority boarding. With an annual companion certificate, statement credits for Resy and rideshares, and reimbursement for Global Entry or TSA PreCheck^®, you’ll offset the fee and travel smarter all year long.

Terms apply. See full details for enrollment, spending requirements and benefit limitations.

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Complete Guide

Compare American Express credit cards available in the United States, including annual fees, rewards and welcome offers.

Cards analyzed

Oct 2026

Last updated

100%

Independent

Our Methodology

Every card is evaluated across 100+ criteria. We calculate first-year value by combining the welcome bonus, estimated rewards on typical American spending patterns, and subtracting the annual fee. This objective score determines our ranking.

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