Understanding American Express Card Types
American Express offers a variety of cards designed to meet different consumer needs, from travel rewards to cashback options and business-specific cards.
Premium Travel Cards
The Platinum Card®
The flagship Platinum Card offers luxury travel benefits including:
- 5X points on flights booked directly with airlines
- Access to Centurion® and Priority Pass™ lounges
- $200 annual airline fee credit
- $200 annual Uber credit
- Global Entry/TSA PreCheck credit
While the $695 annual fee might seem steep, frequent travelers can easily recoup this cost through the card's extensive benefits.
American Express® Gold Card
Perfect for those who want to balance travel and dining rewards:
- 4X points at restaurants worldwide
- 4X points at U.S. supermarkets (up to $25,000 per year)
- 3X points on flights booked directly with airlines
- $120 annual dining credit
Cash Back Options
Blue Cash Preferred® Card
Ideal for families and everyday spending:
- 6% cash back at U.S. supermarkets (up to $6,000 per year)
- 6% cash back on select U.S. streaming services
- 3% cash back on transit and U.S. gas stations
- 1% cash back on other purchases
Blue Cash Everyday® Card
A no-annual-fee alternative offering:
- 3% cash back at U.S. supermarkets (up to $6,000 per year)
- 2% cash back at U.S. gas stations
- 1% cash back on other purchases
Business Cards
Business Platinum Card®
Designed for high-spending business owners who travel frequently:
Annual Fee: $695
Welcome Bonus: Variable
Key Benefit: 35% points back on eligible flights
Business Gold Card
The card automatically adjusts to give you 4X points in your top two spending categories each billing cycle, making it perfect for businesses with varying expenses.
Factors to Consider When Choosing
Spending Patterns
- Do you spend more on travel or everyday purchases?
- Are you looking for cash back or travel rewards?
- What categories do you spend most in?
Credit Score Requirements
Most American Express cards require excellent credit (typically 700+). Check your credit score before applying to ensure you meet the requirements.
Annual Fees
American Express cards range from no annual fee to several hundred dollars per year. Weigh the annual fee against the card's benefits to ensure you're getting value.
Welcome Bonuses
Keep in mind that American Express typically offers significant welcome bonuses for new cardmembers. These offers vary throughout the year, so timing your application can be crucial.
Additional Considerations
Amex Ecosystem
Consider whether you want to:
- Earn Membership Rewards® points
- Receive cash back
- Mix multiple cards for maximum benefits
Perks and Benefits
Consider the additional perks offered, such as:
- Travel insurance
- Purchase protection
- Exclusive access to events
- Airport lounge access
- Hotel status benefits
For current rates, fees, and offers, visit the American Express website. Remember to always verify the latest information before applying, as card terms and benefits can change.