Best American Express Cards - October 2026

• You may be eligible for as high as 175,000 Membership Rewards^® points after $12,000 in eligible purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary, and you may not be eligible for an offer. Amex discloses your exact offer after application and before you accept the Card.
• 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.
• Global Lounge Collection access includes Centurion Lounges, 10 complimentary Delta Sky Club visits when traveling on an eligible Delta flight, Priority Pass Select after enrollment, and selected partner lounges. Visit limits and entry conditions apply.
• $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.
• $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.
• $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.
  $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.
• Receive up to $219 in statement credits per calendar year after you sign up and pay for a CLEAR+ Membership with your eligible Platinum Card^®. Membership is subject to auto-renewal. Terms apply.
• $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.
• $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.
• Amex Member Services is available 24/7 for assistance with the Card and account.
• $895 annual fee.
• Terms Apply.

Pay Over Time and booking conditions

Pay Over Time has a variable APR of 19.74% to 28.74% on eligible charges. It is not a universal purchase APR for every card charge. From January 1, 2027, Fine Hotels + Resorts bookings must also be for at least two nights to qualify for the $600 Hotel Credit; The Hotel Collection already requires two nights.

Sources checked October 25, 2026: Amex Platinum offer and terms, Amex Platinum benefits.

• 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 5X Membership Rewards points per dollar on prepaid hotels booked through AmexTravel.com or the Amex Travel App. Earn 2X on eligible prepaid car rentals through those channels and cruises booked and paid through AmexTravel.com. Other eligible travel bookings are subject to the issuer’s terms; multipliers are total rates and do not stack.
• 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 for eligible purchases at qualifying U.S. Resy restaurants: up to $50 January–June and $50 July–December, for up to $100 per calendar year across all cards on the enrolled account. Enrollment required; a reservation alone does not earn the credit.
• Up to $120 in Dining Credit per year: up to $10 in statement credits per month for eligible purchases paid with the Gold Card at Grubhub including Seamless, Buffalo Wild Wings, Five Guys, The Cheesecake Factory and Wonder. Enrollment required; unused monthly allowances do not become an annual cash payment.
• The Hotel Collection: a $100 property credit for eligible charges on a qualifying booking of at least two nights through AmexTravel.com or the Amex Travel App. Eligible charges and properties vary. This is a stay-specific property benefit, not an unconditional annual statement credit.
• No Foreign Transaction Fees.
• Annual Fee is $325.
• Terms Apply.

American Express ZO — Tishman Speyer

ZO access is for the eligible U.S. Basic Business Platinum holder, subject to participating U.S. locations and availability; international locations are excluded. The personal Platinum Card is not included in this benefit’s eligible-card list.

Amex benefit enrollment is not required. Entry requires the eligible card, matching photo ID and a reservation QR code. A ZO Global Access account and reservation are required for Studio and guest passes. ZO staff can assist with a walk-in reservation subject to availability. Clubhouse/Lounge access is complimentary without a fixed visit allotment; Studio is limited to 4 day-pass reservations per month, one location per use.

Up to 4 guest day passes per business week, Monday–Friday: guests must be registered, accompanied by the eligible holder and present matching photo ID and QR code. Unused passes expire at local closing time on Friday and do not carry forward.

The $500 statement-credit maximum is shared by the eligible account per calendar year. Eligible purchases are U.S. ZO/Studio event-space bookings made directly through yourstudio.com or the ZO app, and Dining Club membership purchased directly with its membership representative. Employee-card purchases can qualify for that shared account limit but do not create another credit or access entitlement. Allow up to 8 weeks for credits; refunds, cancellations, merchant processing and account standing can affect eligibility. This is not a $500 credit for everyday restaurant or coworking purchases.

Official Amex benefit terms, checked October 26, 2026

• Welcome offer: up to 200,000 Membership Rewards points after $15,000 in eligible purchases within the first 3 months. The offer is personalized; a lower amount or no offer may be available. Confirm your own offer before applying.
• Pay Over Time variable APR: 17.99%–28.74%, depending on creditworthiness and other factors, as checked October 26, 2026. This rate applies to the eligible Pay Over Time balance; consult the current Rates & Fees for your account.
• 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 on scheduled flights booked online at AmexTravel.com or in the Amex Travel app and on prepaid hotels through Amex Travel (including eligible telephone hotel bookings). Telephone flight bookings, car rentals, cruises and packages do not qualify for this 3X channel. Enter only qualifying spending in the calculator.
• 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.*
• ChatGPT Business: up to $300 per account per calendar year, with Amex enrollment by the Basic Card Member or authorized account manager, for qualifying direct OpenAI purchases in the U.S. and U.S. territories where OpenAI is merchant of record. Squarespace: up to $150 per account per calendar year, with Amex enrollment, directly on Squarespace.com or AcuityScheduling.com under the same U.S./territory merchant-of-record rule. Basic and Employee purchases share each account limit. Subscriptions may auto-renew; cancellation and statement-credit terms apply. Walmart+ is limited to 1 monthly membership up to $12.95 plus applicable taxes per account per month; annual plans, Walmart Business+ and Plus Ups are excluded.
• *Terms Apply

• Limited-time offer: earn 200,000 Bonus Miles after $20,000 in eligible purchases on the new card in the first 6 months of membership. Offer ends November 4, 2026.
• 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 after each card renewal for an eligible Delta First, Delta Comfort or Delta Main round trip in the domestic, Caribbean or Central American network. Government taxes and fees are $22–$250 for itineraries with up to four segments. Delta Basic is excluded; availability 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.
• The first checked bag is free on eligible domestic and international Delta flights; the second is also free on eligible domestic Delta flights. The card, reservation and operating-carrier conditions apply. This is not a cash baggage credit.
• 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.

• Earn up to 90,000 bonus miles and a $300 statement credit after $4,000 in eligible purchases in the first 6 months. Amex discloses your exact eligible miles after application and before acceptance; you may not qualify for the maximum. Offer ends November 4, 2026.
• Receive a Companion Certificate on a Main Cabin round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of the government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
• Receive $2,500 Medallion Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $20 in purchases on your Delta SkyMiles Platinum American Express Card with MQD Boost to get closer to Status next Medallion Year.
• Delta SkyMiles Platinum American Express Card Members get 15% off 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.
• Earn 3X Miles on Delta purchases and purchases made directly with hotels.
• Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
• Earn 1X Miles on all other eligible purchases.
• $120 Resy Credit: Get up to $10 in statement credits each month after you pay with your enrolled Delta SkyMiles Platinum American Express Card to dine at U.S. Resy restaurants or make other eligible Resy purchases.
• $120 Rideshare Credit: earn up to $10 in statement credits each month after using your Delta SkyMiles Platinum American Express Card on U.S. rideshare purchases with select providers. Enrollment required.
• 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.
• Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck (through a TSA official enrollment provider) application fee, when charged to your Delta SkyMiles Platinum American Express Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Delta SkyMiles Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
• No Foreign Transaction Fees.
• $350 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.

• Earn up to 80,000 bonus miles and a $250 statement credit after $3,000 in eligible purchases in the first 6 months. Amex discloses your exact eligible miles after application and before acceptance; you may not qualify for the maximum. Offer ends November 4, 2026.
• Enjoy a $0 introductory Annual Fee for the first year, then $150.
• Delta SkyMiles Gold American Express Card Members get 15% off 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.
• $200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
• Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Miles on all other eligible purchases.
• 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.
• Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• $100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
• Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
• Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
• No Foreign Transaction Fees.
• With Send & Split, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
• 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.

• 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.

• Limited Time Offer: Earn 90,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer ends 11/4/26.
• $0 introductory annual fee for the first year, then $150
• Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• Additionally, you can receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
• Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
• Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
• Earn 1 Mile on every eligible dollar spent on other purchases.
• Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Zone 5 Priority Boarding on Delta flights.
• Elevate your travel experience with an annual statement credit of up to $150 after using your Delta SkyMiles Gold Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
• Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
• Pay no foreign transaction fees when you travel overseas.
• Terms and limitations apply.