American Express Credit Card Reviews, Rules & Opinions
American Express offers some of the best credit cards for both consumers and business owners. MoneyGeek analyzed different American Express cards and broke down the application rules to help you better understand your options.
The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
American Express offers various different credit cards, including business, rewards, cash back and travel credit cards. The issuer caters to varying types of customers, including first-time cardholders with a good credit score, business owners and travelers. However, AmEx normally only accepts applicants with good to excellent credit scores. That means you will need a 670 or higher credit score to be approved.
What’s more is that Amex offers a large suite of co-branded credit cards, giving cardholders the opportunity to enjoy their favorite brands. These include Delta, Hilton and Marriott. Additionally, American Express credit cards are so appealing, some banks issue credit cards with the Amex logo on them. This includes Bank of America, Charles Schwab and USAA.
Featured Credit Cards Offered by American Express
Whether you are looking for a business, travel, cash back or rewards credit card, you will likely find one suitable for you. And when you apply for a card, you can earn a welcome bonus that typically comes in the form of travel rewards or cash back.
Other Cards Issued by American Express
In addition to the featured cards, here are other cards issued by American Express:
- Hilton Honors American Express Aspire: For luxury travelers staying at Hilton Hotels regularly
- American Express Green Card: For individuals who want to earn extra rewards for dining and travel expenses
- Amex EveryDay Credit Card: For beginners looking to earn Membership Rewards on everyday spending without paying for annual fees
- Amex EveryDay Preferred Credit Card: For those who want to earn more points on everyday expenses and take control of plan durations
- Blue from American Express: For beginners who want an entry-level card to earn points
- Business Green Rewards Card: For business owners looking for a card with flexible spending limit and pay over time option
- Amazon Business Prime Card: For Amazon Prime or Business Prime Members looking for ways to earn rewards on Amazon-related purchases and enjoy no annual and foreign transaction fees
- Amazon Business Card: For Amazon loyalists and small business owners looking for flexible payment terms and huge cashback
- Lowe’s Business Rewards Card: For businesses looking for huge cash back opportunities for purchases at Lowe’s and other expenses without paying for annual fees
>>MORE: The Amex Trifecta: Best 3 Cards for Maximizing Rewards
The Best American Express Credit Cards in 2023
MoneyGeek determined the best American Express credit cards based on rewards, welcome bonuses and other criteria to help you find the right option suitable for your needs.
- The Blue Business® Plus Credit Card from American Express
Great no-annual-fee card for earning rewards on business spending
- Good–ExcellentRecommended Credit
- $0Annual Fee
- up to 2X Membership Rewards® pointsRewards Rate
- 1xRewards Rate on TV, Phone, Internet Services
- 1xRewards Rate on Online Shopping
- Delta SkyMiles® Blue American Express Card
A great miles rewards card with no annual fees
- Good–ExcellentRecommended Credit
- $0Annual Fee
- up to 2 Miles per $1*Rewards Rate
- 2xRewards Rate on Air Travel
- 2xRewards Rate on Dining
- Hilton Honors American Express Surpass® Card
An excellent credit card for earning Hilton Honors points
- Good–ExcellentRecommended Credit
- $95Annual Fee
- 3–12 Points per $1*Rewards Rate
- 12xRewards Rate at Hotels
- 6xRewards Rate on Groceries
“American Express credit cards give consumers an excellent route to earn valuable rewards. As Amex and Chase continue to be the leaders in the credit card space, they are continuously innovating to keep cardholders engaged and motivated to keep their business. As long as you maintain a Good to Excellent credit score and you are able to pay your card in full each month, it is hard to see a situation where someone wouldn’t benefit from an Amex card.
However, it’s advantageous for anyone to take a look at all of Amex’s card offerings to see which interests you. Additionally, take a look at your own financial situation to see where you could benefit the most from a rewards credit card.”
- Brett Holzhauer, Points and Miles Expert
Rules for Applying, Acceptance & Welcome Bonuses
To apply for an American Express credit card, it is important to understand the process and rules to give you the best chance for an approval and chance to earn a welcome bonus. MoneyGeek answers some commonly asked questions regarding AmEx cards to help you find the right credit card for you.
Other Considerations About American Express
There are several factors to consider when looking for the best credit card. The table below lists some of the criteria you should check when selecting a card.
Customer Service & Satisfaction
Service accessibility is an important factor to consider when choosing a credit card issuer. American Express’ customer service is available 24/7. The company also has a hotline for the hearing impaired. You can also reach the issuer through mail.
American Express also garnered the highest overall customer satisfaction rating of 874 out of 1,000 in a recent J.D. Power survey.
Mobile Apps & Online Services
American Express has a mobile app available on Google Play and Apple App Store. It allows users to control and plan their accounts. The app also has a chat feature available to answer queries 24/7.
The mobile app also earned the highest customer satisfaction rating in the 2021 J.D. Power Credit Card Mobile App Satisfaction Study.
User ratings on both Google Play and Apple App Store are high at 4.2 and 4.9, respectively.
Security & Credit Monitoring Services
With AmEx’ CreditSecure, account holders can easily monitor their FICO credit scores and reports, get fraud detection and alerts and reach out to customer service.
The issuer has a 24/7 Global Assist Hotline for emergency assistance and coordination in case things go awry when you are more than 100 miles away from home.
Loyalty Programs & Other Issuer Perks
American Express has their Membership Rewards Program. Credit card holders can earn points from purchases with no expiration dates. Membership Rewards points can be redeemed for gift cards, travel rewards, immersive experiences, charity donations, payment in participating merchants and card charges. The issuer has a Membership Rewards Points Calculator showing how you can use your points.
American Express allows cardholders to add or remove authorized members through their online account or via phone. You can set the credit card limit for additional users as low as $200.
However, it is important to note that annual fees may apply to additional cards. The cost varies depending on the card. The primary cardholder is also responsible for the purchases charged on additional card members’ cards.
Overall Opinion of American Express & Their Credit Card Offerings
Overall, American Express credit cards are good options for individuals or business owners who have good to excellent credit scores. Entrepreneurs looking for business credit cards can also find great choices.
Whether you are looking for your first card or are searching for an additional card, you may find a suitable product for you by comparing American Express credit cards. It is best for:
An individual or small business looking to earn rewards on everyday purchases
- Earn points at U.S. supermarkets, restaurants, transit and gas stations
- Enjoy no-annual-fee credit cards while earning rewards
- Simple cash back and membership rewards for small businesses
A frequent traveler who wants to keep business and personal expenses separate
- Travel rewards on everyday spending
- Credit cards with no foreign transaction fees
- Possible free checked bags, priority boarding and airport lounge access with Delta
- Elite status or other benefits at Hilton or Marriott hotels
- Earn bonus points on eligible travel purchases
"American Express offers rewards cards for every type of consumer and small business, no matter what your budget is. Although some cards have an annual fee, the additional benefits and enhanced rewards may be worth paying the higher rate."
- Lee Huffman, credit card expert at BaldThoughts.com
Still Not Sure About This Issuer? Consider These Options.
There are various types of American Express credit cards to choose from, but you may want to check out credit cards from other issuers if you have bad credit.
Learn More About Credit Cards in General
- American Express. "Amazon Business American Express Card." Accessed December 23, 2021.
- American Express. "Amazon Business Prime American Express Card." Accessed December 23, 2021.
- American Express. "American Express Cards." Accessed December 23, 2021.
- American Express. "American Express Business Credit Cards." Accessed December 23, 2021.
- American Express. "American Express Green Card." Accessed December 23, 2021.
- American Express. "Amex EveryDay Credit Card." Accessed December 23, 2021.
- American Express. "Amex EveryDay Preferred Credit Card." Accessed December 23, 2021.
- American Express. "Blue from American Express." Accessed December 23, 2021.
- American Express. "Business Green Rewards Card." Accessed December 23, 2021.
- American Express. "Contact Us." Accessed December 27, 2021.
- American Express. "Credit Score Ranges: What is an Excellent, Good, or Poor Credit Score?." Accessed December 23, 2021.
- American Express. "CreditSecure." Accessed December 27, 2021.
- American Express. "Hilton Honors American Express Aspire Card." Accessed December 23, 2021.
- American Express. "How American Express Purchase Protection Works." Accessed December 27, 2021.
- American Express. "Lowe’s Business Rewards Card." Accessed December 23, 2021.
- American Express. "Membership Rewards." Accessed December 27, 2021.
- American Express. "Security Center." Accessed December 27, 2021.
- American Express. "Share the experience by adding someone to your account." Accessed December 27, 2021.
- American Express. "U.S. Bank FlexPerks Select + American Express Card." Accessed December 23, 2021.
- Apple App Store Preview. "Amex." Accessed December 27, 2021.
- Bloomberg. "Delta and American Express CEOs on Their Co-branding Relationship." Accessed December 23, 2021.
- Google Play. "Amex." Accessed December 27, 2021.
- Hilton. "Hilton and American Express Enhance Co-Branded Credit Cards With More Flexible and Accelerated Rewards to Keep Future Travel Within Reach." Accessed December 23, 2021.
- J.D. Power. "Big Bank Investments in Mobile Apps Pay Dividends as Customer Volume Shifts to Digital, J.D. Power Finds." Accessed December 27, 2021.
- Macy’s. "Macy’s American Express Card." Accessed December 27, 2021.
- USAA. "USAA Rewards American Express Credit Card." Accessed December 23, 2021.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.