Best American Express Credit Cards of 2020

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American Express issues some of the most attractive rewards credit cards on the market.

Long-known as an upscale brand, American Express still caters to affluent customers, but also has produces for almost everyone.

American Express offers more than two dozen different consumer and business credit cards in the United States.

As a result, choosing the best card for your needs can be a challenge. But we’re here to help.

13 Best American Express Credit Cards

Here are the 13 best American Express Credit Cards on the market today:

  1. The Platinum Card® from American Express
  2. American Express® Gold Card
  3. Blue Cash Preferred® Card from American Express
  4. Blue Cash Everyday® Card from American Express
  5. American Express® Green Card
  6. Amex EveryDay® Preferred Credit Card
  7. Amex EveryDay® Credit Card
  8. Hilton Honors American Express Aspire Card
  9. Hilton Honors American Express Surpass® Card
  10. Hilton Honors American Express Card
  11. Marriott Bonvoy Brilliant™ American Express® Card
  12. Delta SkyMiles® Platinum American Express Card
  13. Delta SkyMiles® Gold American Express Card

1. The Platinum Card® from American Express

  • Welcome Bonus: 60,000 Membership Rewards Points after spending $5,000 in the first three months from account opening
  • Earning Potential: 5x on flights booked directly or through American Express and 5x on prepaid hotels booked through American Express (Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.), 1x on other purchases.
  • Annual Fee: $550

Make no mistake, The Platinum Card from American Express is a High-End credit card. It’s not a card you get to save money, but to maximize the spending you do spend. The $550 annual fee will likely chase off many suitors, but all of the perks it offers can outweigh the fees.

First, this credit card comes with a sizable welcome bonus of 60,000 points after spending $5,000 in three months. That alone more than covers the first year’s annual fee. Cardmembers also get rewarded with select airline and hotel purchases with 5x earning per dollar spent. It’s unfortunate that the Platinum Card only earns 1x on most spending, though.

The Platinum Card from American Express is unapologetic for its high annual fee because it believes it offers the value to back it up. The question is: Will you be able to take advantage of enough of the benefits to make the fee worthwhile? Compare all the benefits to other luxury cards before pulling the trigger. But if you love American Express and are in the market for a high-end credit card, this is the one for you.

What other perks will you enjoy with The Platinum Card from American Express? It’s an overwhelming list:

  • up to $200 airline fee credit
  • Global Entry or TSA Pre-check fee credit
  • Fine Hotels & Resorts benefits
  • Access to more than 1,200 airport lounges worldwide with The Global Lounge Collection
  • Up to $200 in Uber Cash annually
  • Custom itineraries and recommendations with Platinum travel counselors
  • Marriott Bonvoy and Hilton Honors Gold Status
  • No foreign transaction fees
  • Free membership in premium car rental programs
  • Car rental damage insurance
  • 24/7 emergency assistance
  • Up to $100 Saks Fifth Avenue credit
  • Platinum Card Concierge service
  • Global Dining Collection
  • Preferred seating at various cultural and sporting events
  • Departures magazine subscription
  • Access to once-in-a-lifetime, invitation-only special events

Pro Tip: Check out all of our Best Sign-Up Bonus Credit Cards for 2020.

2. American Express® Gold Card

  • Welcome Bonus: 60,000 Membership Rewards Points after spending $4,000 in the first six months from account opening
  • Earning Potential: 4x at restaurants and U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), 3x on flights, 1x on other purchases
  • Annual Fee: $250

Diners can earn major rewards with the American Express Gold Card. Cardmembers earn 4x on every dollar spent at restaurants worldwide and U.S. supermarkets. Plus, earn 3x on every dollar spent on flights booked with airlines directly or on amextravel.com. Throw in a 60,000 point welcome bonus, and it’s hard not to get excited about this card.

It does have a hefty $250 annual fee, so if you don’t spend much money dining out or on flights, another American Express card might be a better fit.

$10 statement credits are available every month ($120 maximum annually) when you dine at select restaurants like Ruth’s Chris Steakhouse, Shake Shack, The Cheesecake Factory, and more. Grubhub delivery is eligible too.

Other Perks You’ll Enjoy with the American Express Gold Card include:

  • No foreign transaction fees
  • Car rental insurance
  • Baggage insurance
  • 24/7 emergency assistance hotline
  • Travel discounts through the Travel Collection program
  • Hotel credit and room upgrades with the Hotel Collection

Pro Tip: Check out all of our Best Credit Cards for Dining Out in 2020.

3. Blue Cash Preferred® Card from American Express

  • Welcome Bonus: $300 statement credit after spending $3,000 in the first six months from account opening
  • Earning Potential: 6% cash back for first $6,000 of purchases at U.S. supermarkets and then 1% after, 6% cash back on select U.S. streaming services, 3% cash back on transit costs and at U.S. gas stations, 1% cash back on other purchases
  • Annual Fee: $95, waived first year (offer expires 12/10/2020)

Cash Back credit cards have become more popular in recent years. Blue Cash Preferred Card is the best cash back offering from American Express. It holds up well when compared to other cash back cards on the market.

Blue Cash Preferred puts you in the driver’s seat to high cash back earnings because of its attractive spending categories. Earn 6% at U.S. supermarkets and popular U.S. streaming services, like Netflix, Hulu, Spotify, and dozens more.

Commuters will love 3% cash back on transit costs, which includes rideshare services like Uber and Lyft, along with taxis, parking, tolls, trains, buses, and more.

This card even has some travel perks like 24/7 emergency assistance and car rental damage insurance.

Cash back rewards are in the form of Rewards Dollars, which can be used for statement credits. Redemptions start at $25.

Pro Tip: Check out all of our Best Cash Back Credit Cards for 2020.

4. Blue Cash Everyday® Card from American Express

  • Welcome Bonus: $200 cash back after spending $1,000 in the first three months from account opening
  • Earning Potential: 3% cash back at U.S. supermarkets, up to the first $6,000 in purchases and then 1% after, 2% cash back at U.S. gas stations and select U.S. department stores, 1% cash back on other purchases
  • Annual Fee: $0

Earn cash back rewards without the hassle of an annual fee with Blue Cash Everyday Card from American Express. It’s the perfect card for people looking to earn rewards with everyday spending.

It’s also a great card to get if you have any upcoming large purchases. It offers 0% APR on purchases for the first 15 months from account opening, and a go-to APR of 13.99% – 23.99% variable after that.

The Blue Cash Everyday Card earns rewards on categories that are a part of most people’s everyday lives, like groceries, gas, and department store shopping. The earning percentages aren’t as high as with other American Express credit cards, but you also aren’t paying an annual fee.

Blue Cash Everyday still offers travel perks like 24/7 emergency assistance and car rental damage insurance and online shopping perks with access to a free membership to ShopRunner.

Learn More: Read our Blue Cash Everyday® Card from American Express Review.

5. American Express® Green Card

  • Welcome Bonus: 30,000 Membership Rewards Points after spending $2,000 in the first three months from account opening
  • Earning Potential: 3x on travel and restaurants, 1x on other purchases
  • Annual Fee: $150

The welcome bonus of 30,000 Membership Rewards Points along with the Green Card’s earning potential more than makes up for its $150 annual fee.

American Express Green Card delivers with other perks frequent travelers will love. If you hate waiting in line at the airport, you can bypass them with Clear. This card gives you a $100 statement credit annually when you sign up for Clear and pay using your Green Card. Clear is available at select airports and stadiums across the U.S.

Travelers can also receive a $100 statement credit every year for Loungebuddy when they pay with their Green Card. Loungebuddy gives you access to select airport lounges worldwide.

Access to Membership Rewards also allows you to pay for travel using points. Use points to pay for all or part of your upcoming travel plans. The American Express Green Card also gives cardmembers exclusive access to ticket presales for concerts, sporting events, Broadway shows, and more.

Other Travel Perks Available with the American Express Green Card include:

  • Car rental insurance
  • Baggage insurance
  • 24/7 emergency assistance hotline
  • No foreign transaction fees

Pro Tip: Check out all of our Best Travel Credit Cards for 2020.

6. Amex EveryDay® Preferred Credit Card

amex everyday preferred

  • Welcome Bonus: 15,000 Membership Rewards Points after spending $1,000 in the first three months from account opening
  • Earning Potential: 3x at U.S. supermarkets, 2x at U.S. gas stations, 2x on travel purchases booked through American Express, 1x on other purchases
  • Annual Fee: $95

The Amex EveryDay Preferred Credit Card from American Express is designed for everyday use. It’s even in the card name. It offers a simple rewards structure that earns at the places most people need it the most – grocery stores and gas stations.

It comes with a decent 15,000 welcome bonus with a low spending requirement. The Amex EveryDay Preferred card does have a $95 annual fee, but its rewards may be enough to justify the cost.

Beyond higher-earning at U.S. supermarkets and U.S. gas stations, cardmembers also earn 1x on everyday spending in all other categories. Plus, if you use your card 30 or more times during a billing period, you’ll earn 50% extra points on those purchases. You’ll also earn 2x on every dollar spent on travel purchases booked through AmexTravel.com using your Amex EveryDay Preferred card.

Other perks included with this card include car rental damage insurance, 24/7 emergency assistance, a ShopRunner membership, and fraud protection.

Pro Tip: Check out all of our Best Gas Credit Cards for 2020.

7. Amex EveryDay® Credit Card

amex everyday card

  • Welcome Bonus: 10,000 Membership Rewards Points after spending $1,000 in the first three months from account opening
  • Earning Potential: 2x points on up to $6,000 in purchases at U.S. supermarkets and then 1x after, 2x on travel purchases booked through American Express, 1x on other purchases
  • Annual Fee: $0

The Amex EveryDay Credit Card from American Express is their best balance transfer card. This is the perfect card for people looking to pay off other credit card debt and get out of the red.

It offers 0% APR on purchases for the first 15 months from account opening, with a go-to APR of 12.99% – 23.99% variable after that. It also carries no balance transfer fees, which allows you to move over existing credit card balances without adding more debt.

Although it’s great for balance transfers, this card also has rewards earning potential. There’s a modest 10,000 point welcome bonus and 2x earning at U.S. supermarkets up to $6,000 in purchases annually.

This American Express Card still offers perks available with most Amex cards, such as car rental, 24/7 emergency assistance, fraud protection, and more. However, it does carry 2.7% foreign transaction fees, so it’s not the best card to use for international travel.

Pro Tip: Check out all of our Best Balance Transfer Cards for 2020.

American Express Travel Cards

Beyond the seven cards mentioned above, American Express offers many co-branded credit cards that offer valuable travel rewards. These Amex cards are especially valuable if you are already a fan and regular customer of these hotel chains or airlines. Check out the best American Express travel credit cards.

8. Hilton Honors American Express Aspire Card

  • Welcome Bonus: 150,000 Hilton Honors Bonus Points after spending $4,000 in the first three months from account opening
  • Earning Potential: 14x on eligible Hilton purchases, 7x on select flights, car rentals and U.S. restaurants, 3x on other purchases
  • Annual Fee: $450

The Hilton Honors Aspire Card from American Express is Amex’s high-end Hilton credit card offering. Its Hilton Honors Bonus Points earning potential is unmatched by any other credit card.

With 14x earning potential, your Hilton travel expenses are well rewarded. Let’s not forget that you’ll also earn 7x for every dollar spent on flights booked directly through airlines or on AmexTravel.com, select car rentals at select car rental companies, and U.S. restaurants. Almost every type of major travel purchase has a high earning potential.

All other spending earns 3x for every dollar spent, which is higher than most card offer for everyday spending.

Frequent Hilton customers and people in the market for a solid hotel co-branded card will love everything about this card except its expensive annual fee of $450.

For fans of Hilton hotels and resorts, this card offers an assortment of Hilton and other travel perks including:

  • Complimentary Diamond Status
  • One free weekend night stay annually
  • $250 Hilton resort credit
  • $250 airline fee credit
  • $100 credit on qualifying charges during 2-night stays at select Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts
  • Complimentary airport lounge access through Priority Pass Select
  • Car rental damage insurance
  • Baggage insurance
  • 24/7 emergency assistance
  • Concierge access
  • ticket presales access for exclusive events

Pro Tip: Check out all of our Best Hotel Credit Cards for 2020.

9. Hilton Honors American Express Surpass Card

  • Welcome Bonus: 130,000 Hilton Honors Bonus Points after spending $2,000 in the first three months from account opening
  • Earning Potential: 12x on eligible Hilton purchases, 6x at restaurants, U.S. supermarkets, and U.S. gas stations, 3x on other purchases
  • Annual Fee: $95

The Hilton Honors Surpass Card from American Express offers decent travel rewards with a much lower fee than its big brother, the Aspire Card. It only has a $95 annual fee, compared to $450, and still has high earning potential.

Cardmembers earn 12x on expenses charged on your Card directly with a hotel or resort within the Hilton portfolio and 6x on spending at restaurants, supermarkets, or gas stations in the U.S. All other spendings still earns an impressive 3x for every dollar spent.

This Hilton credit card also comes with complimentary Hilton Honors Gold Status and the potential to reach Diamond Status if you reach the $40,000 spending minimum. The Surpass Card also earns you a free weekend night stay after spending $15,000 on eligible purchases annually.

The Hilton Honors Surpass Card from American Express comes with car rental damage insurance, 24/7 emergency assistance, no foreign transaction fees, and many other valuable perks.

10. Hilton Honors American Express Card

  • Welcome Bonus: 80,000 Hilton Honors Bonus Points after spending $1,000 in the first three months from card opening
  • Earning Potential: 7x on eligible Hilton purchases, 5x at restaurants, supermarkets, and gas stations in the U.S., 3x on other purchases
  • Annual Fee: $0

This is Hilton’s entry-level credit card offering through American Express. If you love Hilton hotels and earning rewards, but don’t love paying annual fees, this is the card to get. It still offers a respectable welcome bonus of 80,000 Hilton Honors Bonus Points for only spending $1,000 in the first three months.

Despite being a no-fee card, the Hilton Honors Card still has plenty of rewards earning potential. Cardmembers earn 7x on expenses charged on your Card directly with a hotel or resort within the Hilton portfolio and 5x at restaurants, supermarkets, and gas stations across the U.S.  There’s also 3x earning on all other purchases.

The Hilton Honors Card comes with complimentary Silver Status, with the option to upgrade to Gold Status after spending $20,000 annually.

Similar to the other Hilton Honors card offerings, it comes with perks like car rental damage insurance, 24/7 emergency assistance, and fraud protection.

11. Marriott Bonvoy Brilliant American Express Card

  • Welcome Bonus: 100,000 Marriott Bonvoy Points after spending $5,000 in the first three months from account opening
  • Additional Bonuses: Earn an additional 25,000 bonus points after your first anniversary of Card Membership. Also, receive complimentary Platinum Elite status with your Card for the 2021 status year. Offer Expires 1/13/2021
  • Earning Potential: 6x at Marriott Bonvoy hotels, 3x at U.S. restaurants and flights booked directly, 2x on other purchase
  • Annual Fee: $450

Marriott’s luxury credit card offering is the Marriott Bonvoy Brilliant American Express Card. Similar to the Hilton Honors Aspire Card, it has a $450 annual fee. This high-end co-branded card delivers on value, though.

Besides a superb 75,000 point welcome bonus, cardmembers will enjoy it’s huge earning potential, especially at Marriott hotels. Select Marriott Bonvoy hotel purchases earn 6x for every dollar spent. If your travel plans include flights and dining out, you’ll earn 3x per dollar spent. Everything else earns 2x points per dollar spent.

The Marriott Bonvoy Brilliant American Express Card also comes with car rental damage insurance, 24/7 emergency assistance, fraud protection, and more.

The Marriott Bonvoy credit card is a travel card first and offers perks that are exclusive to this card. Valuable perks include:

  • Up to a $300 statement credit annually on eligible Marriott purchases
  • A free night award at participating Marriott hotels every year on your account anniversary
  • Complimentary Gold Elite Status
  • $100 Bonvoy Property credit
  • Credit for 15 nights towards the next level of Bonvoy Elite Status every year
  • Airport lounge access through Priority Pass Select
  • Global Entry or TSA Pre-check fee credit
  • Free premium in-room internet access
  • No foreign transaction fees

12. Delta SkyMiles® Platinum American Express Card

  • Welcome Bonus: 40,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs) after spending $2,000 in purchases on your new Card in the first 3 months.
  • Earning Potential: 3x on hotels and Delta purchases, 2x at restaurants and U.S. supermarkets, 1x on other purchases
  • Annual Fee: $250

With the Delta SkyMiles Platinum American Express card, you can earn 40,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs) after you spend $2,000 in purchases on your new Card in the first 3 months.

Cardmembers can earn 3x points for every dollar spent with Delta as well as when booking hotels directly. Add in 2x points earning at restaurants (including takeout and delivery) and U.S. supermarkets, and one point for every dollar spent on everything else, and your rewards can add up quickly.

Now the Platinum Delta SkyMiles Card offers a Global Entry or TSA Pre-check fee credit every 4.5 years. The Status Boost program provides 10,000 Miles & Medallion Qualification Miles (MQMs) up to twice a year after hitting spending requirements.

Travel Benefits that come with the Delta SkyMiles Platinum American Express Card include:

  • First checked bag free
  • Main Cabin 1 Priority boarding
  • Annual Companion certificate on domestic flights
  • 20% back on in-flight purchases
  • Pay with Miles
  • No Foreign Transaction Fees

If you’re familiar with the Delta co-branded credit cards from American Express, many of the most popular benefits have gone away. You’ll need to decide if it’s still a good option for your wallet or not.

Pro Tip: Check out all of our Best Airline Credit Cards for 2020.

13. Delta SkyMiles® Gold American Express Card

  • Welcome Bonus: 35,000 bonus miles after spending $1,000 on your new Card in the first 3 months
  • Earning Potential: 2x at restaurants, U.S. supermarkets, and on Delta purchases, 1x on other purchases
  • Annual Fee: $99, waived the first year

The focus with the new Delta SkyMiles card benefits seems to be increased earning potential. With the Delta SkyMiles Gold card, you’ll enjoy 2x Miles for every dollar spent on Delta purchases as well as dining out and buying groceries at U.S. supermarkets. All other purchases earn one mile per dollar spent.

The value of any of the Delta SkyMiles credit cards lies in whether you are a frequent flyer with Delta or not. Take time to compare all of their offerings to determine if it makes sense to get a Delta credit card now that there is a new benefits program.

What travel perks come with the Delta SkyMiles Gold American Express Credit Card now? The list includes:

  • $100 Delta Flight Credit after $10,000 in purchases annually
  • First Checked Bag Free
  • Main Cabin 1 Priority Boarding
  • 20% Back on In-Flight Purchases
  • Pay with Miles

Pro Tip: Check out all of our Best Credit Cards for Airport Lounge Access in 2020.

American Express Credit Card FAQs

best american express credit cards

What is the easiest American Express card to get?

As a general rule, American Express cards are known for being harder to get than most other credit cards. Most American Express cards require a minimum of good credit, which is a credit score between 700 and 749.

Not featured on our list, Blue from American Express is their only card meant to be a beginner credit card. It has no annual fee and has extremely limited earning potential.

Is American Express card worth it?

Depending on your specific credit card needs, American Express cards can be valuable tools for earning free travel and cash back rewards along with an array of other perks to consider.

It’s important to know what you are looking for in a credit card to determine if it’s worth applying for and potentially paying an annual fee.

What American Express credit card is the hardest to get?

Typically, the more luxurious a credit is and the more high-end rewards it offers, the harder it is to get. The Centurion Card, also known as the “Black Card,” is the hardest American Express card to get because it’s available by invitation only.

Of the Amex cards listed above, the Platinum Card is the hardest to obtain. It requires excellent credit, which means a credit score above 800.

So, Is An American Express Credit Card For You?

American Express credit cards offer incredible cash back and travel rewards.

Most Amex cards come with a long list of perks that make them look very attractive when compared to other credit cards. Take time to compare all the American Express credit cards above to find the right one for you.

What’s your favorite rewards credit card to use? Let us know in the comments.

Additional Disclosures: Millennial Money has partnered with CardRatings and creditcards.com for our coverage of credit card products. Millennial Money, CardRatings and creditcards.com may receive a commission from card issuers. This site does not include all financial companies or financial offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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