American Express® Credit Cards of February
Apply for an AmEx credit card. On 08.02.2025 you have access to credit cards. Increase your chances of getting money — fill out a multi-application with a free credit rating check.
Update 02.03.2023
American Express® Credit Cards of February 2025 -  offers.

What are American Express Credit Cards?

American Express has a wide range of credit cards for different customers. Credit cards are known for offering many bonuses for cardholders with different needs. You can receive bonus rewards, travel benefits, cash back, and additional services. There is Uber Cash with Uber VIP status, Disney bundle, airline bookings, and discounts at select Shake Shack locations.

Before applying for an AmEx credit card, you should familiarize yourself with what types of AmEx credit cards there are, how to choose the right card, and apply for its receipt.

Types of AmEx Credit Cards

AmEx credit cards can be divided into three main types: travel credit cards, reward credit cards, and cash back credit cards.

Travel Credit Cards

This type of credit card from American Express is represented by 3 "classic" cards: American Express Green, Gold, and Platinum Cards. Since these 3 cards belong to different American Express card levels, they offer various bonuses. 

The Green Card is the lowest level card, followed by the Gold Card, and the Platinum Card Premium is the most high-tiered in its category. These cards are aimed at avid travelers and restaurant-goers. All the cards offer multipliers of the received Membership Rewards points in the travel and dining categories. For frequent travelers, American Express provides a travel-related statement credit and elevated earning rates on travel.

Travel and dining category cards also include Hotel Cards and Airline Cards subcategory cards. These include, for example, Delta SkyMiles Gold AmEx card and Hilton Honors American Express Card. Such cards allow cardholders to have bonuses on flights and in hotels.

Rewards Points Credit Cards

The Green, Gold, and Platinum cards are also Reward Points cards. However, besides them, cards like AmEx Everyday Card and AmEx Everyday Preferred Card also give rewards in bonus points. These cards allow cardholders to receive Membership Rewards points in daily spending categories. Unlike Travel Cards, these cards offer multipliers of rewards received in categories such as U.S. supermarkets and U.S. gas stations, not excluding receiving rewards for all other purchases. Moreover, the cardholder can receive more rewards with frequent use of the card.

Cash Back Credit Cards

For cash back cards, there are Blue Cash Preferred Card, Blue Cash Everyday Card, and Cash Magnet Card. The major feature of such cards is that cardholders do not receive Membership Rewards points but cash back in the form of dollars. They can later be redeemed as a statement credit. 

Depending on a particular card, a cardholder can receive from 1% to 6% cash back in categories such as U.S. supermarkets, retail purchases, U.S. streaming subscriptions, gas stations, and transit purchases. At the same time, AmEx cash back credit cards have either 1% or 1.5% cash back on purchases of all other categories.

How to Choose AmEx Credit Cards?

When choosing a suitable American Express credit card for yourself, you need to pay attention to 3 key aspects: fees, bonuses, and APR.

Fees

The main fee for American Express credit cards is the annual fee. Some of the company's options do not require payment of an annual fee. For example, an AmEx Green Card. Other options offer a $0 Intro annual fee for the first year, after which the cardholder will have to start paying the annual fee. Such cards include, for example, Blue Cash Preferred Cards. 

Besides the annual fee, you should pay attention to the foreign transaction fees, late fees, returned payment fee, and cash advance fee. The amounts of all fees vary depending on the card.

Annual Percentage Rate

Blue Cash Preferred Card, as well as several other cards from American Express, have a 0% intro APR period during which the APR on purchases and balance transfers is 0%.

The maximum duration of this period among AmEx cards is 15 months of card membership. APR begins to accrue to the cardholder after the expiration of this period. Although the APR depends on the cardholder's credit score, some cards have a lower APR than others, so you should study this aspect.

Welcome Offers

When choosing a suitable card, you should pay attention not only to what bonuses and perks the card has but also to the welcome offer. 

Each AmEx credit card offers an additional bonus valid only for the first 6 months of card membership. Bonuses and welcome offers you should choose based on your needs. It all depends on whether you need travel bonuses or you would like to receive cash rewards from daily purchases.

The Best Personal AmEx Credit Cards

The Platinum Card from American Express: the best for frequent traveling

American Express Gold Card: best dining rewards

Blue Cash Preferred Card from American Express: the best cash back

American Express Green Card: best travel bonus rewards

Amex EveryDay Preferred Credit Card: best for families

Amex EveryDay Credit Card from American Express: no annual fee

Blue Cash Everyday Card from American Express: Intro APR

Cash Magnet Card: best for students

The best business AmEx credit cards

The Business Platinum Card from American Express: for business travels

American Express Business Gold Card: for big purchases

The Blue Business Plus Credit Card from American Express: for earning points

American Express Blue Business Cash Card: for cash back

The best co-branded AmEx credit cards

Hilton Honors American Express Card: for Hilton visitors

Hilton Honors American Express Aspire Card: for frequent travelers

SkyMiles Reserve American Express Card: best premium card for Delta customers

Marriott Bonvoy Brilliant American Express Card: luxury card from Marriott

Pros and Cons of AmEx Credit Cards

Pros

  • Some cards are suitable for both an individual and a small business owner.
  • AmEx credit cards offer extremely profitable bonuses and perks.
  • All cards have a welcome offer and do not have an annual fee.
  • Some cards have neither APR nor other fees in the first year of use.
  • The online AmEx application process allows future cardholders to find out if they are eligible without affecting their credit score.
  • The Pay Over Time function allows the cardholder to pay only the minimum balance after the billing period ends and not receive interest accrual.

Cons

  • AmEx cards are not accepted everywhere.
  • The annual fee for some cards is too high.
  • The cards are only available for borrowers with good to excellent credit.
  • Membership Rewards are not transferable points.
  • With some cards, you only can redeem rewards for a statement credit.

How to Get an AmEx Credit Card?

Main Requirements

Before you apply to open a credit card from American Express, pay attention to these qualifications and restrictions:

  • Your credit score must be at least 670. Ideally, you should have a credit score above 700. Some cards require an excellent credit score that starts with a 740 FICO score.
  • You cannot qualify for more than 2 credit cards within 90 days. The period between applying for the first and the second credit card must be at least 5 days.
  • Your application may be rejected if you are under 21. There is still a chance to be qualified if you are over 18 and under 21.
  • You must have a stable source of income and a low debt-to-income (DTI) ratio, which is calculated as your annual credit payments divided by your annual gross income.

Application Process

To get pre-qualification from American Express, you need to:

  1. Go to the American Express website, select the desired card, and click "Apply Now";
  2. Enter full name, email, date of birth, and phone number;
  3. Enter your home address and SSN;
  4. Fill in the amount of annual income;
  5. Choose a source of income;
  6. Get acquainted with all rates and terms;
  7. Submit your application.

When you apply for pre-qualification, the company makes a soft credit check, so submitting a credit card account opening application does not affect your credit score.

FAQ

What is the highest-tier AmEx card?

Why is AmEx so hard to get?

What is the hardest AmEx card to get?

Does AmEx have a 2% card?

26.12.2022
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Update 02.03.2023

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