American Express Credit Card Reviews, Rules & Opinions

The Blue Business® Plus Credit Card from American Express is a compelling option for small business owners in search of a simple yet rewarding credit solution. With no annual fee, the card is budget-friendly and designed to cater to the needs of businesses, particularly those with significant everyday expenses. The rewards structure is straightforward: cardholders earn a solid rate of Membership Rewards® points on their business purchases up to a generous cap each calendar year, before the rate drops to a lower tier.

Pros

• No annual fee
• Intro APR on purchases
• Simple flat-rate rewards on all purchases
• Flexible redemption options
• Good for small businesses

• Earn 2 Membership Rewards® points per dollar on purchases (up to $50,000 in purchases each calendar year, then 1 point per dollar) and 2 points per dollar with no limit on car rentals booked through American Express Travel
• 0% intro APR offer on purchases for 12 months, then a variable rate of 18.49% – 26.49% (see rates and fees)
• Redeem points for travel booked through American Express Travel, purchases via select online merchants, gift cards and more.
• Transfer points to different frequent flyer programs.
• No annual fee (see rates and fees)
• Foreign transaction fee of 2.7% (see rates and fees)
• Flexible credit limit
• Get free employee cards
• Account management tools like designating an account manager, setting individual card limits, and manage your receipts
• Travel benefits like travel accident insurance, baggage insurance, purchase protection, car rental insurance, roadside assistance and more. (Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit the benefits guide for more details. Underwritten by Amex Assurance Company.)
• Terms Apply

We love the Delta SkyMiles® Blue American Express Card for more than its no-annual-fee feature. This card lets you earn 2X miles on restaurants worldwide and Delta purchases. All other purchases come with 1X miles.

An welcome offer gives you the ability to earn 10,000 bonus miles. All you need to do is spend at least $1000 on purchases within the first six months.

This card comes with no international transaction fees, which makes it perfect for use when traveling overseas. Other travel benefits include earning 20% as a statement credit when you use your card on eligible Delta in-flight purchases and complimentary car rental loss and damage insurance.

Cardholders also stand to benefit through purchase and fraud protection in different scenarios.

Pros

• No annual fees
• Earn 10,000 bonus miles if you spend $1000 on purchases in the first six months
• Earn 2X miles on Delta purchases and restaurants worldwide
• Earn 1X miles on all other purchases
• Redeem points for air travel, seat upgrades and Delta gift cards
• No blackout dates when redeeming points for Delta flights
• 20% back on eligible in-flight Delta purchases
• Pay no foreign transaction fees
• Car rental loss and damage insurance
• Purchase protection and extended warranty to safeguard your purchases
• Access to American Express Experiences
• Get emergency assistance through the Global Assist Hotline
• Fraud protection safeguards you from misuse of your card

• $0 annual fee
• 2X miles on Delta purchases
• 2X miles on dining at restaurants worldwide and on takeout and deliveries in the U.S.
• 1X miles on all other purchases
• Earn 10,000 bonus miles upon spending $1000 on purchases in the first six months
• Redeem your SkyMiles for air travel to more than 1,000 destinations
• Redeem for seat upgrades and Delta gift cards
• Reduce the cost of your flight by up to $50 for every 5,000 miles you redeem through the Pay with Miles program
• No foreign transaction fees
• Get complimentary car rental loss and damage insurance
• Get purchase protection and an extended warranty
• Use the 24/7 Global Assist Hotline for emergency assistance and coordination services
• Fraud protection protects you from fraudulent transactions
• American Express Experiences gives you access to ticket presales and Card Member-only events.

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

The Hilton Honors American Express Surpass® Card is a fantastic option for people who stay at Hilton properties frequently. This card offers 12X points on purchases at properties in the Hilton portfolio, 6X points on dining at U.S. restaurants, supermarkets, and gas stations, and 3X points on all other eligible purchases.

New cardholders can earn a welcome bonus of 130,000 Hilton Honors points after spending $2,000 in the first three months of card membership.

With this card, you’ll receive complimentary Hilton Honors Gold status and stand to earn Hilton Honors Diamond status by spending $40,000 on purchases in a calendar year.

While the card does charge an annual fee, $0 intro annual fee for the first year, then $95 after that, it comes with no foreign transaction fees, making it perfect to use outside the U.S.

Other key benefits include an annual spend-based weekend night reward, complimentary airport lounge visits, and car rental loss and damage insurance.

Pros

• Opportunities for significant bonus points
• Get Hilton Honors Gold status automatically
• High reward rates across different categories
• Spend-based weekend reward night
• Pay no foreign transaction fees
• Access to American Express Experiences
• Additional cards

• Spend $2,000 on purchases in the first three months to earn 130,000 bonus points.
• Spend at properties within the Hilton portfolio to earn 12X points per dollar.
• Spend at U.S. gas stations, U.S. supermarkets and U.S. restaurants to earn 6X points per dollar.
• Earn 3X points per dollar on all other purchases.
• Redeem your reward points for free nights, VIP access to events, Lyft rides, shopping at Amazon.com and Hilton Honors' online mall or car rentals.
• Can convert your points to miles with the program’s airline partners or share them with other Hilton Honors members.
• Qualify for a free Hilton Honors weekend night reward from if you spend $15,000 on eligible purchases in a calendar year.
• Get 10 complimentary airport lounge visits every 12 months by enrolling in the Priority Pass Select program.
• Get automatic Hilton Honors Gold status with your new card. If you spend $40,000 on eligible purchases in a calendar year, you stand to get Hilton Honors Diamond status, which remains valid for a year.
• Fraud protection offers safeguard against possible misuse of your card.
• Get access to American Express features such as Send & Split and Pay It Plan It.

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.