Many or all companies we feature compensate us. Compensation and editorial research influence how products appear on a page. Credit Cards Best American Express Credit Cards Updated Mar 07, 2024   |   27-min read Written by Jeff Gitlen, CEPF® Written by Jeff Gitlen, CEPF® Expertise: Student loans, personal loans, home loans, insurance, credit cards Jeff Gitlen, CEPF®, is the director of content operations at LendEDU. He graduated from the Alfred Lerner College of Business and Economics at the University of Delaware. Learn more about Jeff Gitlen, CEPF® There is a reason people are always talking about American Express credit cards — they have some of the best perks on the market. The company has a solid track record of serving customers around the world and a long history. Founded in 1850, American Express is best known for its array of credit card options. American Express holds the third-largest market share amongst credit card issuers with a share of 11.3% in 2019. The company can credit this success to its credit card selections, both for individuals and businesses. Below you will find our picks for the best American Express credit cards for both individuals and businesses. You can use the navigation below to jump to the section that meets your needs. On this page: Best Amex cash back cardsBest Amex travel cardsBest Amex business cards Best American Express credit cards for earning cash back The cards in the table below are highly rated and offer some of the market’s best cash back opportunities. You can click on the name of the card you want to learn more about, and you’ll be dropped down to its review. Card nameCash backAnnual feeBlue Cash Preferred® Card from American Express1% – 6%$0 year one; then $95American Express Cash Magnet1.5%$0Blue Cash Everyday® Card from American Express1% – 3%$0 Blue Cash Preferred® Card from American Express Next Steps LendEDU Rating: 4.8/5Rewards rate: 1% – 6%Annual fee: $0 year one; then $95Where it excels: This card received our highest rating for its welcome bonus, bonus category rewards, and its added benefits Rates and Fees. Terms Apply. The Blue Cash Preferred® Card from American Express offers bonus category rewards and is one of our top-rated cash back cards. New cardmembers have an opportunity to earn a $250 statement credit after spending $3,000 on purchases within the first six months of having the card. Rewards & benefits In addition to a consumer-friendly welcome bonus, cardholders will earn cash back on several bonus categories at rates unmatched by most other cards. Cash back can be accelerated with authorized user cards or by setting up monthly bills to be paid for by the card. Cash back earned is received in the form of Reward Dollars that can be redeemed as a statement credit. Here is a breakdown of the rewards you’ll receive: 6% at U.S. supermarkets on up to $6,000 in purchases per year6% on select U.S. streaming subscriptions3% on transit, such as taxis, ridesharing, parking, tolls, and more3% on gas at U.S. gas stations1% on other purchases Here is a breakdown of some of the benefits that come with your card: Receive access to exclusive ticket presales and cardmember-only events with American Express ExperiencesTravel at ease knowing whenever you travel more than 100 miles from home, Global Assist Hotline is available 24/7 for any medical, legal, financial, or other emergency assistance needs Editor’s note The Blue Cash Preferred® Card from American Express is best for those who frequently spend on groceries, streaming, transit, and gas. If you can meet the spending requirements for the welcome offer, you’ll have earned more value from the card than spent on the annual fee for four years of card ownership. This value doesn’t even factor in the cash back you’ll receive on everyday purchases during the first four years. To learn more about this card and what it offers, click here. American Express Cash Magnet Next Steps LendEDU Rating: 4.6/5Rewards rate: 1.5%Annual fee: $0Where it excels: This card received our highest rating for its welcome bonus and no annual fee Terms Apply. The American Express Cash Magnet Card does not offer any bonus category rewards; instead, it provides an increased cash back rate for all purchases with your card. New cardmembers can earn $200 as a statement credit after spending $1,000 in purchases within the first three months of card membership. Rewards & benefits In addition to the welcome bonus, cardholders will earn cash back at a rate of 1.5% on all purchases made with the card. All cash back earned with your card is received in the form of Reward Dollars that can be redeemed as a statement credit. Here is a breakdown of some of the benefits that come with your card: Receive access to exclusive ticket presales and cardmember-only events with American Express ExperiencesTravel at ease knowing whenever you travel more than 100 miles from home, Global Assist Hotline is available 24/7 for any medical, legal, financial, or other emergency assistance needs Editor’s note The American Express Cash Magnet Card is best for those looking to avoid category-specific reward rates and instead earn a higher than average cash back rate for all purchases. With no annual fee, cardholders don’t have to worry about spending a minimum amount on their card to justify its value. To learn more about this card and what it offers, click here. Blue Cash Everyday® Card from American Express Next Steps LendEDU Rating: 4.7/6Rewards rate: 1% – 3%Annual fee: $0Where it excels: This card received our highest rating for its welcome bonus and no annual fee Rates and Fees. Terms Apply. The Blue Cash Everyday® Card from American Express offers three bonus category rewards and a rewards rate for all other purchases. Earn a $200 statement credit after spending $2,000 in purchases within the first six months. Rewards & benefits In addition to the welcome bonus, cardholders will earn an increased cash back rate on select purchases, as well as a standard rate on all other purchases. Cash back can be accelerated with the help of authorized user cards. All cash back earned with your card is received in the form of Reward Dollars that can be redeemed as a statement credit. Here is a breakdown of the rewards you’ll receive: 3% on groceries at U.S. supermarkets on up to $6,000 in purchases per year, then 1%3% on U.S. online retail purchases on up to $6,000 in purchases, then 1%3% on gas at U.S. gas stations on up to $6,000 in purchases, then 1%1% on other purchases Here is a breakdown of some of the benefits that come with your card: Receive access to exclusive ticket presales and cardmember-only events with American Express ExperiencesTravel at ease knowing whenever you travel more than 100 miles from home, Global Assist Hotline is available 24/7 for any medical, legal, financial, or other emergency assistance needs Editor’s note The Blue Cash Everyday® Card from American Express is best for those looking for a no annual fee card that rewards spending on groceries, gas, and department stores. The no annual fee feature makes it easy to use the card on select categories without worrying about spending enough to cover a yearly fee. To learn more about this card and what it offers, click here. Best American Express Credit Cards for Travel The cards in the table below are highly rated and offer some of the market’s best travel reward opportunities. You can click on the name of the card you want to learn more about, and you’ll be dropped down to its review. Card nameRewardsAnnual feeAmerican Express® Gold Card1x – 4x$250Delta SkyMiles® Gold American Express Card1x – 2x$0 for year one; then $150Delta SkyMiles® Platinum American Express Card1x – 3x$250Delta SkyMiles® Blue American Express Card1x – 2x$0Hilton Honors Aspire Credit Card3x – 14x$450Hilton Honors American Express Surpass Card3x – 12x$95Hilton Honors American Express Card3x – 7x$0 American Express® Gold Card Next Steps LendEDU Rating: 4.8/5Rewards rate: 1x – 4xAnnual fee: $250Where it excels: This card received our highest rating for its bonus category rewards, no foreign transaction fee, and added benefits Rates and Fees. Terms Apply. The American Express® Gold Card is our top-rated travel card. Cardmembers can earn points on several bonus categories, including dining, groceries, and flights booked through Amex. The current welcome bonus rewards you with 60,000 Membership Rewards Points after spending $4,000 on purchases in the first six months with the card. Rewards & benefits With a welcome bonus, multiple rewards rates, and more added benefits, this card is one of the most rewarding on the market. Points accumulation can be accelerated with the help of authorized user cards. Here is a breakdown of the rewards you’ll receive: 4x points on restaurants4x points on groceries at U.S. supermarkets on up to $25,000 in purchases per year3x points on flights booked directly with airlines or on amextravel.com1x points on other purchases Here is a breakdown of some of the benefits that come with your card: Dining credit of up to $120 per year when you use your card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locationsAmerican Express Preferred Seating offers you the ability to access premium seats for select cultural and sporting eventsTravel at ease knowing whenever you travel more than 100 miles from home, Global Assist Hotline is available 24/7 for any medical, legal, financial, or other emergency assistance needsNo foreign transaction fees Editor’s note The American Express® Gold Card is our top-rated travel card. If you take advantage of the annual dining credit, the value you’ll need to earn each year to cover the annual fee would be lowered to $130. The Gold Card is a charge card, so make sure you have a plan for paying off any charges you make each month. To learn more about this card and what it offers, click here. Delta SkyMiles® Gold American Express Card Next Steps LendEDU Rating: 4.7/5Rewards rate: 1x – 2xAnnual fee: $0 for the first year; then $150Where it excels: This card received out highest ratings for its no foreign transaction fee and added benefits Rates and Fees. Terms Apply. The Delta SkyMiles® Gold American Express Card is our top-rated Delta rewards credit card. Cardmembers can earn miles on several bonus categories, including on all Delta purchases. Earn 70,000 bonus miles after spending $3,000 on purchases in the first six months with the card. Rewards & benefits This card offers plenty of opportunities for earning miles to make flying with Delta easier and cheaper than ever. Points accumulation can be accelerated with the help of authorized user cards. Here is a breakdown of the rewards you’ll receive: 2x miles at restaurants2x miles at U.S. supermarkets2x miles on Delta purchases1x miles on other purchases Here is a breakdown of some of the benefits that come with your card: Your first checked bag will be freeIf you spend $10,000 in purchases on your card in a calendar year, you’ll receive a $200 Delta Flight CreditPriority boarding that allows you to board earlyTravel at ease knowing whenever you travel more than 100 miles from home, Global Assist Hotline is available 24/7 for any medical, legal, financial, or other emergency assistance needsNo foreign transaction fees Editor’s note The Delta SkyMiles® Gold American Express Card is our top-rated Delta rewards credit card. If you spend $10,000 in purchases on your card each calendar year, the $100 Delta Flight Credit will provide you with enough value alone to cover the cost of the annual fee. To learn more about this card and what it offers, click here. Delta SkyMiles® Platinum American Express Card Next Steps LendEDU Rating: 4.7/5Rewards rate: 1x – 3xAnnual fee: $250Where it excels: This card received our highest ratings for its bonus category rewards and no foreign transaction fee Rates and Fees. Terms Apply. The Delta SkyMiles® Platinum American Express Card offers various bonus category rewards and many additional benefits. New cardmembers can earn 50,000 bonus miles after spending $3,000 in purchases on the card within the first six months. Rewards & benefits This card offers a high reward rate for Delta purchases, as well as other everyday spending categories. Points accumulation can be accelerated with the help of authorized user cards. Here is a breakdown of the rewards you’ll receive: Earn up to 10,000 Medallion® Qualification Miles (MQMs) with Status Boost® each year after you spend $25,000 in purchases on your card. You can do this up to two times through the rest of the year.3x miles on Delta purchases3x miles on purchases made directly with hotels2x miles on U.S. dining2x miles at U.S. supermarkets1x miles on all other eligible purchases Here is a breakdown of some of the benefits that come with your card: Your first checked bag will be freeReceive a Domestic Main Cabin round-trip companion certificate each yearFee credit for Global Entry or TSA PreCheck after you apply through an authorized enrollment provider$39 Delta Sky Club AccessStatus Boost® can accelerate your path to Medallion Status20% back on eligible Delta in-flight purchasesPriority boarding allows you to board earlyTravel at ease knowing whenever you travel more than 100 miles from home, Global Assist Hotline is available 24/7 for any medical, legal, financial, or other emergency assistance needsNo foreign transaction fees Editor’s note The Delta SkyMiles® Platinum American Express Card is an excellent card for those who intend to travel multiple times a year with Delta. The card’s value can easily surpass the annual fee so long as you utilize the added benefits listed above and use this card when making purchases in the bonus categories. To learn more about this card and what it offers, click here. Delta SkyMiles® Blue American Express Card Next Steps LendEDU Rating: 4.6/5Rewards rate: 1x – 2xAnnual fee: $0Where it excels: This card received our highest rating for its no foreign transaction fee and no annual fee Rates and Fees. Terms Apply. The Delta SkyMiles® Blue American Express Card is the top-rated no annual fee Delta rewards credit card. New cardmembers have the chance to earn 10,000 bonus miles after spending $1,000 in purchases on their card within the first six months. Rewards & benefits The rewards and benefits offered on the card are competitive for those who frequently fly with Delta, especially for a no annual fee card. Here is a breakdown of the rewards you’ll receive: 2x miles on Delta purchases2x miles at restaurants1x miles on other purchases Here is a breakdown of some of the benefits that come with your card: 20% back on eligible Delta in-flight purchasesTravel at ease knowing whenever you travel more than 100 miles from home, Global Assist Hotline is available 24/7 for any medical, legal, financial, or other emergency assistance needsNo foreign transaction fees Editor’s note The Delta SkyMiles® Blue American Express Card is an excellent card for those who travel with Delta on occasion, but not enough to take on an annual fee. While the rewards rate is similar and close to other Delta cards, the added benefits see a significant drop off when compared to those cards. To learn more about this card and what it offers, click here. Hilton Honors American Express Aspire Card Next Steps LendEDU Rating: 4.5/5Rewards rate: 3x – 14xAnnual fee: $450Where it excels: This card received our highest rating for its welcome bonus, bonus category rewards, rewards on all other purchases, no foreign transaction fee, and added benefits Terms Apply. The Hilton Honors American Express Aspire Card is a top-rated Hilton rewards credit card. The rewards opportunities with this card are immense, though they come at a cost. New cardmembers earn 150,000 Hilton Honors bonus points after spending $4,000 in purchases on the card within the first three months. Rewards & benefits The rewards rates are some of the highest you’ll find on a credit card, and the list of added benefits is long. Here is a breakdown of the rewards you’ll receive: 14x points on Hilton purchases7x points on Select Travel purchases7x points on dining3x points on all other purchases Here is a breakdown of some of the benefits that come with your card: Complimentary Diamond statusReceive one weekend night reward every year after renewal, plus an additional night if you spend $60,000 on your card in a calendar yearIf you book a two-night minimum stay at hiltonhonorsaspirecard.com, you’ll get up to $100 in credits for qualifying chargesGet up to $250 in statement credits for eligible purchases made directly with participating Hilton ResortsReceive unlimited lounge visits for you and up to two other guests per stay once enrolled in complimentary Priority Pass Select membershipTravel at ease knowing whenever you travel more than 100 miles from home, Global Assist Hotline is available 24/7 for any medical, legal, financial, or other emergency assistance needsNo foreign transaction fees Editor’s note The Hilton Honors American Express Aspire Card is loaded with rewards opportunities. The costly annual fee can be covered if you frequently stay and spend at Hilton resorts and if you take advantage of the credit opportunities offered through some of the added benefits. To learn more about this card and what it offers, click here. Hilton Honors American Express Surpass Card Next Steps LendEDU Rating: 4.7/5Rewards rate: 3x – 12xAnnual fee: $95Where it excels: This card received our highest rating for its rewards on all other purchases and no foreign transaction fee Terms Apply. The Hilton Honors American Express Surpass Card is a great Hilton rewards credit card with a reasonable annual fee. New cardmembers earn 155,000 Hilton Honors bonus points after spending $3,000 in purchases on the card within the first three months. Rewards & benefits The rewards rates and benefits provide plenty of opportunities to earn points. Here is a breakdown of the rewards you’ll receive: 12x points on hotels and resorts in the Hilton portfolio6x points on dining at U.S. restaurants6x points on groceries at U.S. supermarkets6x points on gas at U.S. gas stations4x points on U.S. online retail purchases3x points on all other purchases Here is a breakdown of some of the benefits that come with your card: Complimentary Gold status, plus spend $40,000 on eligible purchases on your card in a calendar year and earn Diamond statusReceive one weekend night reward after you spend $15,000 on eligible purchases in a calendar yearEnjoy complimentary Priority Pass Select membership, plus get ten free lounge visits each year you are enrolledReceive unlimited lounge visits for you and up to two other guests per stay once enrolled in complimentary Priority Pass Select membershipTravel at ease knowing whenever you travel more than 100 miles from home, Global Assist Hotline is available 24/7 for any medical, legal, financial, or other emergency assistance needsNo foreign transaction fees Editor’s note The Hilton Honors American Express Surpass Card is a middle-of-the-pack Hilton rewards card. If you plan on staying at a Hilton resort once or twice a year, this card could be a good option. To learn more about this card and what it offers, click here. Hilton Honors American Express Card Next Steps LendEDU Rating: 4.6/5Rewards rate: 3x – 7xAnnual fee: $0Where it excels: This card received our highest rating for its rewards on all other purchases, no foreign transaction fee, and no annual fee Rates and Fees. Terms Apply. The Hilton Honors American Express Card is a great Hilton rewards credit card with no annual fee. New cardmembers earn 100,000 Hilton Honors bonus points after spending $2,000 in purchases on the card within the first six months. Rewards & benefits The rewards rates are competitive, while the added benefits are limited. Here is a breakdown of the rewards you’ll receive: 7x points on Hilton purchases5x points on dining at U.S. restaurants5x points on groceries at U.S. supermarkets5x points on gas at U.S. gas stations3x points for all other eligible purchases Here is a breakdown of some of the benefits that come with your card: Complimentary Silver status, plus spend $20,000 on eligible purchases on your card in a calendar year and earn Gold statusTravel at ease knowing whenever you travel more than 100 miles from home, Global Assist Hotline is available 24/7 for any medical, legal, financial, or other emergency assistance needsNo foreign transaction fees Editor’s note The Hilton Honors American Express Card is a no annual fee credit card that is a good option for those that visit Hilton hotels on occasion, but maybe not every year. To learn more about this card and what it offers, click here. Best American Express Credit Cards for Businesses The cards in the table below are highly rated and offer some of the market’s best rewards opportunities. You can click on the name of the card you want to learn more about, and you’ll be dropped down to its review. Card NameRewardsAnnual feeHilton Honors American Express Business Card3x – 12x$95American Express Blue Business Cash™ Card1% – 2%$0The Blue Business® Plus Credit Card from American Express1% – 2%$0The Business Platinum Card® from American Express 1x – 1.5x$695 Hilton Honors American Express Business Card Next Steps LendEDU Rating: 4.6/5Rewards rate: 3x – 12xAnnual fee: $95Where it excels: This card received our highest rating for its welcome bonus Rates and Fees. Terms Apply. The Hilton Honors American Express Business Card makes earning rewards easy with multiple bonus category rewards rates. New businesses can earn up to 130,000 bonus points after spending $3,000 with the card in the first three months. Rewards & benefits This card comes with multiple bonus category rewards rates and plenty of added benefits. Here is a breakdown of the rewards you’ll receive: 12x points on hotels and resorts in the Hilton portfolio6x points at U.S. gas stations6x points on wireless telephone services purchased directly from U.S. service providers6x points on U.S. purchases for shipping6x points at U.S. restaurants6x points on flights booked directly with airlines or with Amex Travel6x points on car rentals booked directly from select car rental companies3x points on all other eligible purchases Here is a breakdown of some of the benefits that come with your card: Complimentary Hilton Honors Gold statusFree Night Reward after you spend $15,000 on eligible purchases in a calendar year, plus earn a second free Night Reward after you spend $60,000 in a calendar yearTen complimentary priority pass visits to a selection of over 1,300 airport lounges each year when enrolled in Priority Pass Select MembershipSpend $40,000 in purchases in a calendar year and earn Hilton Honors Diamond statusNo foreign transaction fees Editor’s note The Hilton Honors American Express Business Card is our top-rated business credit card for hotel rewards. With seven category-specific rewards rates, getting more out of the card than your spending is easy. Business travel can be changed for you and your employees by taking advantage of the added benefits listed above. To learn more about this card and what it offers, click here. American Express Blue Business Cash™ Card Next Steps LendEDU Rating: 4.4/5Rewards rate: 1% – 2%Annual fee: $0Where it excels: This card received our highest rating for its no annual fee Rates and Fees. Terms Apply. The American Express Blue Business Cash™ Card from American Express has a straightforward rewards structure that avoids having you keep up with any sort of category-specific spending structure. New cardholders earn a $250 statement credit after spending $3,000 in purchases with the card in the first three months. Rewards & benefits This card offers a simple rewards structure, but added benefits are limited. Here is a breakdown of the rewards you’ll receive: 2% cash back on the first $50,000 in eligible purchases each year, then 1% Here is a breakdown of some of the benefits that come with your card: No annual fee for additional employee cards Editor’s note The American Express Blue Business Cash™ Card is a solid cash back card for businesses that anticipate charging anywhere between $50,000 to $100,000 on their card. This is because the 2% cash back rate ends once you charge $50,000 on the card each year. To learn more about this card and what it offers, click here. The Blue Business® Plus Credit Card from American Express Next Steps LendEDU Rating: 4.4/5Rewards rate: 1% –2%Annual fee: $0Where it excels: This card received our highest rating for its no annual fee Rates and Fees. Terms Apply. The Blue Business® Plus Credit Card from American Express is a simple business credit card designed for those who don’t want to keep track of category or bonus points spending without an annual fee. New cardholders can earn 15,000 membership rewards points after spending $3,000 in eligible purchases within the first three months. Rewards & benefits This card offers a simple rewards structure, but added benefits are limited. Here is a breakdown of the rewards you’ll receive: 2x points on the first $50,000 in purchases on everyday business purchases each year, then 1x Here is a breakdown of some of the benefits that come with your card: No annual fee for additional employee cards Editor’s note The Blue Business® Plus Credit Card from American Express is a straightforward offering that is best for businesses looking to avoid paying an annual fee. To learn more about this card and what it offers, click here. The Business Platinum Card® from American Express View Rates LendEDU Rating: 4.5/5Rewards rate: 1x – 5xAnnual fee: $695Where it excels: This card received our highest rating for its welcome bonus and added benefits Rates and Fees. Terms Apply. The Business Platinum Card® from American Express comes with rewards rates for both category-specific spending and everyday purchases. New businesses can earn 120,000 Membership Rewards points after spending $15,000 on purchases within the first three months. Rewards & benefits This card offers a wide range of rewards and benefits. Here is a breakdown of the rewards you’ll receive: 5x points on flights and prepaid hotels on amextravel.com1.5x points on up to $2 million in purchases on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else. Here is a breakdown of some of the benefits that come with your card: Get up to $1,000 in annual statement credits on select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless telephone purchases.$200 annual airline fee credit with one qualifying airline for checked baggage fees, lounge day passes, and moreAccess to American Express Global Lounge CollectionUse Membership Rewards Pay with points on a fare and get 35% of those points back, up to 500,000 points per calendar yearGo through security with CLEAR® where available and get up to $189 back each year on your membership when you use your cardReceive Marriott Bonvoy Gold Elite statusReceive Hilton Honors Gold statusAccess to Business Platinum Card ConciergeNo foreign transaction fees Editor’s note The Business Platinum Card® from American Express has vast rewards and benefits that can cover the $695 annual cost. Make sure to see how the benefits offered fit with your business to determine whether you’ll receive more value each year than you’ll pay. To learn more about this card and what it offers, click here. Recap of the Best American Express Credit Cards Card nameWhat it’s forLendEDU RatingBlue Cash Preferred® Card from American ExpressCash back on groceries, streaming, transit, and gas4.8/5American Express Cash MagnetCash back on all purchases4.6/5Blue Cash Everyday® Card from American ExpressCash back on groceries, gas, and department stores4.7/5American Express® Gold CardTravel points on restaurants, groceries, and flights4.8/5Delta SkyMiles® Gold American Express CardMiles back at restaurants, supermarkets, and Delta4.7/5Delta SkyMiles® Platinum American Express CardMiles back on Delta, hotels, restaurants, and supermarkets4.7/5Delta SkyMiles® Blue American Express CardMiles back at restaurants and Delta4.6/5Hilton Honors Aspire Credit CardPoints on Hilton, travel, and dining4.5/5Hilton Honors American Express Surpass CardPoints on Hilton, dining, supermarkets, and gas4.7/5Hilton Honors American Express CardPoints on Hilton, groceries, dining, and gas4.6/5The Hilton Honors American Express Business CardPoints on Hilton, gas, wireless phone, shipping, restaurants, flights, and car rentals4.6/5American Express Blue Business Cash™ CardCash back on all purchases4.4/5The Blue Business® Plus Credit Card from American ExpressCash back on business purchases4.4/5The Business Platinum Card® from American ExpressCash back on flights and hotels4.5/5 How did we choose the best American Express credit cards? To determine which American Express credit cards were the best, we reviewed credit cards and rated them against each other. We then selected the top Amex cards in the cash back category, the travel category, and the business category. This means that not only are these cards rated against each other; they are also rated highly amongst all credit cards on the market. Factors used to determine our Editorial Ratings included introductory APR offers, welcome bonuses, rewards rates, redemption options, added benefits, annual fees, foreign transaction fees, and whether an issuer was nationally recognized. What do current cardholders think about their American Express credit cards? According to J.D. Power’s 2020 U.S. Credit Card Satisfaction Study, American Express ranked as the number one national issuer for customer satisfaction with a score of 838 out of 1,000. The study is in its 14th year and included responses from 29,106 credit card customers. The factors that were considered within the study include interaction, credit card terms, communication, benefits and services, rewards, and key moments. Working with an issuer that is viewed positively by its current customers is an excellent sign for prospective cardholders. This likely means that customer complaints or issues are resolved promptly, and rewards and benefits meet cardholder expectations. What is the American Express Membership Rewards program? The Membership Rewards program is American Express’s way of offering a wide variety of redemption options for the points you earn with your credit card. This program includes the most point transfer partners of any major U.S. credit card loyalty program. There are no limits to the number of points you can earn with your card, and there are no expiration dates either. Once you are ready to redeem your points, simply login to your account and choose from one of the following redemption options: Book travel: Use your points at amextravel.com where you have the chance to earn a discount on flights, prepaid hotels, and moreTransfer points: You can transfer points to one of Amex’s hotel or airline partnersPay with points at checkout: Points can be used to save on purchases at the places you shopStatement credit: Cover your everyday charges by selecting which purchases you want to cover with your pointsGift cards: Select from over 80 brands or choose an American Express Gift CardShopping: Visit membershiprewards.com to browse items that you can purchase with your pointsCharity: Choose from over 1.5 million non-profit organizations to support a cause What are some common benefits of having an Amex Card? There are no two credit cards that offer the same rewards to consumers. However, some benefits are shared across most credit cards from select issuers. With American Express, these are the benefits that can be found on almost all of their credit cards: Car rental loss and damage insurance: When you use your card to reserve and pay for a rental and decline the collision damage waiver with the company, you can be covered for damage or theft in a covered territoryFraud protection: If you see a charge that you think is fraudulent, call the number on the back of your card to have it taken care of24/7 Global Assist Hotline: This hotline helps with coordination and assistance services when you travel 100 or more miles away from homePurchase protection: If you use your card for covered purchases, you’ll have protection from accidental damage or theft for up to 90 daysExtended warranty: If you use your card to make a covered purchase, you can get up to one extra year added to the original manufacturer’s warranty Additional resources on American Express credit cards Resources on Amex points: How to transfer American Express pointsCan you undo Amex credit card point transfers?How to transfer American Express points to UnitedHow to transfer American Express points to DeltaAmerican Express and Delta offering “Fly Now, Earn Later” for Miles Reviews of other cards: Centurion Card reviewAmerican Express® Green Card reviewThe Platinum Card® from American Express review Other resources: Can I switch from one Amex card to another?Can you buy cryptocurrency with an American Express card?How to add employee cards to an American Express account LendEDU has partnered with CardRatings for our coverage of credit card products. LendEDU and CardRatings may receive a commission from card issuers.