Best American Express Cards of 2023

Best American Express Cards of 2023

With good reason, American Express is one of the most recognizable names in the credit card industry. During its more than 150 years in business, the corporation has earned a reputation for issuing credit cards with generous rewards, bonuses, and privileges. In this article, we’ll analyze the features that set apart the top American Express cards of 2023.

American Express Platinum Card

Many people consider the American Express Platinum Card to be the best American Express credit card available. Its many perks and prizes have made it a favorite among frequent flyers. After making $6,000 in transactions within the first six months of card membership, new cardholders will get a significant welcome bonus of 100,000 Membership Rewards points. Prepaid hotel reservations made through amextravel.com and flights purchased directly from airlines or American Express Travel reward cardholders 5x Membership Rewards points. You can use the card’s $200 airline charge credit for things like checked luggage or in-flight meals.

The American Express Platinum Card comes with a lot more perks than just these prizes, though. Around 1,200 lounges in 130 countries are part of the American Express Global Lounge Collection, which cardholders can use for free. In addition to up to $200 yearly in Uber credits, the card provides a one-time $100 bill credit for purchases made at Saks Fifth Avenue. Other perks include a statement credit for the cost of applying for Global Entry or TSA PreCheck and elite status in a number of hotel loyalty programs.

American Express Gold Card

Another best American Express credit card is the American Express Gold Card. After making $4,000 in transactions within the first six months of card membership, you will receive a substantial welcome bonus of 60,000 Membership Rewards points. In the United States, cardholders can earn four times as many Membership Rewards points at supermarkets (up to $25,000 annually, after which they are earned at a rate of one point per dollar), four times as many points at restaurants anywhere in the world, and three times as many points on flights purchased either directly from the airline or through American Express Travel.

The American Express Gold Card also comes with a number of bonuses and privileges, including up to $120 in dining credits per year (redeemed as $10 statement credits per month when using the card to make purchases at participating dining partners). In addition, cardholders receive a $100 airline charge credit that can be applied toward any additional costs associated with their journey, such as checked bags or in-flight meals. The card enables access to the Global Help Hotline, which is available for emergencies while you are more than 100 miles from home, as well as travel accident insurance, luggage insurance, and car rental loss and damage insurance.

American Express Blue Cash Preferred Card

American Express’s Blue Cash Preferred Card is a terrific choice for frugal shoppers because it offers cash rewards on various purchases. You’ll get 6% cash back on groceries bought at U.S. supermarkets (up to $6,000 annually; after that, 1% back), 6% cash back on select U.S. streaming subscriptions, 3% cash back on U.S. gas stations and transit, and 1% cash back on everything else you buy with your card.

Spend $3,000 on purchases within the first 6 months of card membership and get $300 in statement credits as a welcome incentive with the Blue Cash Preferred Card. In addition to the privileges and discounts already mentioned, cardholders also gain access to the Global Help Hotline, travel accident insurance, luggage insurance, car rental loss, and damage insurance, and more. After the first year, the card’s annual percentage rate (APR) will be a variable rate based on your creditworthiness, but it will be 0% for purchases and debt transfers throughout that time.

The American Express Surpass Card with Hilton Honors

If you frequently stay at Hilton properties, the Hilton Honors American Express Surpass Card may be the best American Express credit card for you. Hilton Honors bonus points are earned 12x on eligible purchases made at Hilton hotels, 6x at U.S. restaurants, 6x at U.S. supermarkets, and 3x at U.S. gas stations. After making $3,000 in purchases in the first three months of card membership, cardholders are eligible for a hefty welcome bonus of 150,000 Hilton Honors bonus points.

The Hilton Honors American Express Surpass Card comes with many more perks than just these incentives, though. In addition to free breakfast, late checkout, and room upgrades, cardholders enjoy complimentary Hilton Honors Gold status at no additional cost. In addition to these perks, the card provides travel accident insurance and coverage for loss or damage to a rental automobile for a total of 10. After spending $15,000 on the card in a calendar year, cardholders are entitled to a weekend night prize.

Cash Magnet Card from American Express

The American Express Cash Magnet Card is a fantastic choice if you’re looking for a no-frills cash-back credit card. Every purchase, no matter how small or large, earn 1.5% cash back for cardholders. In addition, after making $1,000 in purchases within the first three months of card membership, you’ll receive a statement credit of $150.

The American Express Cash Magnet Card has additional advantages beyond these reward points. Cardholders are covered in the event of an accident when traveling, and they also receive coverage for lost or damaged items while renting a car. During the first 15 months after opening an account, cardholders will enjoy a 0% intro APR on all purchases made with the card.

American Express Blue Business Cash Card

Small business owners interested in cash rewards can do so with the American Express Blue Business Cash Card. Up to a yearly maximum of $50,000, all purchases receive 2% cash back for cardholders. The following purchases will earn them 1% cash back. Make $10,000 in purchases within the first three months of card membership and receive a statement credit of up to $500.

The American Express Blue Business Cash Card comes with a wealth of additional advantages and bonuses on top of these incentives. Cardholders are covered in the event of an accident when traveling, and they also receive coverage for lost or damaged items while renting a car. During the first 12 months after opening your account, you’ll enjoy a 0% interest rate on transactions made with your card.

Marriott Bonvoy Brilliant American Express Card:

The Marriott Bonvoy Brilliant American Express Card is an excellent choice for frequent guests of Marriott properties. Marriott Bonvoy cardholders receive six points per dollar spent at participating Marriott Bonvoy hotels, three points per dollar spent in U.S. restaurants and on flights booked directly with airlines, and two points per dollar spent on all other eligible transactions. After spending $5,000 in the first three months of card membership, cardholders will receive a welcome bonus of 100,000 Marriott Bonvoy points.

American Express Platinum Delta SkyMiles Card

An excellent credit card option for frequent passengers with Delta Airlines is the American Express Platinum Delta SkyMiles Card. Delta SkyMiles can be earned at a rate of 3 miles per dollar on purchases made directly with Delta, and at a rate of 1 mile per dollar on all other purchases. Spend $3,000 within the first three months of card enrollment and receive a 75,000 Delta SkyMiles welcome bonus and 5,000 Medallion Qualifying Miles.

The American Express Gold Card is a terrific choice to maximize rewards on dining and travel expenses. Spending at restaurants and U.S. supermarkets earn cardholders 4x Membership Rewards points per dollar (up to $25,000 in purchases per calendar year, after which 1x), while flights booked directly with airlines or on amextravel.com earn 3x, and all other transactions earn 1x. After spending $4,000 in the first six months of card membership, cardholders will receive 60,000 Membership Rewards points as a welcome incentive.

American Express Gold Card

The American Express Green Card is a good choice for frequent travelers and individuals who make small purchases frequently. Travel-related transactions (such as airfare, lodging, public transportation, and the like) earn 3 Membership Rewards points per dollar spent, whereas all other purchases get 1 point. After making $2,000 in transactions within the first three months of card membership, cardholders will receive 30,000 Membership Rewards points as a welcome incentive.

Conclusion

American Express has several credit cards to choose from, each one designed to meet a certain need or desire. There’s probably an American Express card that suits your needs, whether you’re a frequent flyer, a cash-back fanatic, or the owner of a small business. These six cards are among the top American Express cards of 2023, with perks ranging from the luxurious American Express Platinum Card to the straightforward American Express Cash Magnet Card. When settling on a credit card, it’s important to weigh the cards’ perks, costs, and other details.

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