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American Express offers some of the best rewards credit cards on the market. With a variety of cards for a wide range of customers, Amex is the go-to credit card for many people. It’s also the gold standard when it comes to travel rewards and customer service. If you’re in the market for an elite travel credit card, the American Express Platinum benefits are known for being worth the annual fee. On the other end of the spectrum, the American Express Serve prepaid card is one of the most popular prepaid cards out there, boasting low fees and convenient features. Whatever you’re looking for, Amex offers what you need.
If you want to have access to the very best rewards, getting a credit card from Amex is the way to go. American Express offers a variety of rewards cards, including Membership Rewards cards, co-branded cards and cash back cards.
Membership Rewards is Amex’s own rewards program. The points you earn with Membership Rewards cards are very flexible and can be redeemed in a number of ways. You can transfer them to 17 different airline partners or buy travel directly through the Amex website.
Co-branded cards are issued in partnership with a particular airline or brand of hotels, and when you spend money there, you’ll earn bonus reward points. You’ll be able to cash in your rewards for things like free airfare, complimentary hotel rooms, and travel upgrades. American Express co-branded credit cards offer elite perks such as access to luxury airport lounges, free bag check on flights, and priority boarding.
Cash back cards are the easiest to use. Just redeem the points you earn for statement credits or get a check in the mail. Amex has several cash back cards, so there’s sure to be one that fits your needs.
American Express Membership Rewards program gives cardholders the ability to earn points for every dollar they spend with their eligible cards. Those Membership Rewards points can then be redeemed for a variety of rewards or transferred to several different loyalty programs.
Delta and American Express offer a lineup of credit cards that are part of the airline’s frequent flyer program, SkyMiles. You can redeem the miles you earn with these cards for flights on Delta or any member of the SkyTeam alliance.
Starwood and Hilton both partner with American Express to offer co-branded hotel cards. The Starwood Preferred Guest Amex card has the most flexible rewards currency available. SPG points can be transferred to over 30 different airline partners.
American Express offers a number of credit cards that can earn cash back. The Blue Cash Preferred card is a standout because of its very high returns for popular categories of purchases, including 6 percent back for groceries and 3 percent back for gas.
The best rewards cards from American Express offer high returns for spending, great sign-up bonuses and fantastic travel perks. If you take advantage of everything a card has to offer, it can more than pay for its annual fee. The Gold Delta SkyMiles Amex card, for instance, comes with a 30,000-mile sign-up bonus, a $50 statement credit, free checked bags, two miles per dollar spent with Delta and more, all for just a $95 annual fee. It’s hard to beat that sort of value.
American Express credit cards are known for coming with amazing benefits, outstanding value and excellent customer service. From basic, no annual fee cashback cards to premium, benefit-packed travel cards, Amex has it all.
If you love to travel, no wallet is complete without a card in the American Express Membership Rewards lineup. The program gives you many ways to earn miles and unsurpassed flexibility and ease of redemption with a variety of travel partners or through Amex’s own travel center. And if you often fly with Delta or stay at Starwood or Hilton properties, don’t forget about Amex’s co-branded cards. They offer both rewards and valuable perks with those specific travel partners.
For non-travelers and those who prefer the simplicity of cashback, Amex has many cards to choose from. While the no-fee Blue Cash EveryDay card earns an impressive 3 percent back for groceries and 2 percent for gas, the Blue Cash Preferred, which has an affordable $95 annual fee, earns even more. Whatever your spending habits, there’s an Amex cashback card to help you maximize your returns.
Whether you’re an experienced travel hacker or a complete novice, Amex has the perfect Membership Rewards card for you. Geared toward people with good credit who know the value of a great credit card, the Membership Rewards program is easy to understand, offers excellent value and will give you a new appreciation for how you can harness the power of credit to make your travel dreams a reality.
If you want to make the best possible use of frequent flyer miles, you’ll have plenty of options with Membership Rewards’ 17 airline transfer partners. You’ll have access to all three of the major airline alliances: SkyTeam via Delta, the Star Alliance via Air Canada or Singapore Airlines, and oneworld via British Airways.
Some of the programs other excellent partners include Air France KLM, ANA, Cathay Pacific, Etihad, JetBlue, Virgin America, Hawaiian Airlines and more. You can also transfer points to three hotel loyalty programs—Choice Hotels, Hilton and Starwood—or redeem for even more options through Amex’s online travel portal.
Redeeming and transferring Membership Rewards points is easy to do online, and a dedicated customer service line is available to elite cardholders who have access to round-the-clock concierge service.
You’ll get the most value for your Membership Rewards points by transferring them to a partner airline’s frequent flyer program and then redeeming for flights. Booking through AmexTravel.com will give you more options, but you’ll only get one cent per point and you’ll often end up paying slightly more for airfare.
Despite recent devaluations, Delta still offers solid value for domestic and many international destinations if you can redeem at the lowest award level. For example, a roundtrip from the U.S. to Australia, which is typically a very expensive route, is just 90,000 miles. Another solid award is a flight to Great Britain redeemed through Delta on Virgin Atlantic for just 60,000 miles. Best of all, you’ll avoid Virgin’s high fuel surcharges.
If you transfer to Air France KLM’s Flying Blue program, you can book a one-way seat from the lower 48 states to Hawaii for just 15,000 miles. And if you want one of the most luxurious experiences in the sky, Singapore Airlines, Etihad and Emirates all offer over-the-top first class service to a variety of international destinations.
American Express cardholders enjoy unparalleled benefits that come in handy on the road or at home. Things like purchase protection, return protection and extended warranties ensure that you’ll be happy with the things you spend your money on, while roadside assistance, travel accident insurance, baggage insurance and car rental loss and damage insurance ensure smooth journeys for you and your travel companions. Plus, the Global Assist Hotline is there to answer questions and help you out if you ever find yourself in a jam; it’s there 24/7 to provide cardholder assistance.
Specific benefits may vary according to Amex card type; check the terms and conditions to see which ones come with the card you’re applying for.
Get help if your car breaks down, whether its towing, winching, lockout services, battery jump, flat tire change or fuel delivery. Service charges may apply.
Purchase your entire fare with your card and get up to $500,000 of coverage against unexpected events, bodily injuries and loss of life.
If your luggage is lost or damaged, you can be reimbursed for up to $3,000 per passenger.
24/7 access to medical, legal, financial or other select emergency coordination and assistance services.
Deny the rental agency’s insurance and receive coverage against theft and damages for your rental. Coverage is secondary to your personal insurance.
Covers your items for 90 days against theft or damages and for up to $1,000 per item and $50,000 per year.
If the merchant won’t accept your return, Amex may reimburse you up to $300 per item and $1,000 per year.
Extends the length of the original manufacturer’s warranty up to one year and for up to $50,000 a year.
American Express is the world’s largest card issuer by volume, processing millions of transactions each day. Amex tends to cater to a wealthier clientele, and charges merchants a higher transaction fee than other card networks. For that reason, it’s not as widely accepted as MasterCard or Visa. If you have an Amex card, it’s a good idea to carry a backup. However, it is accepted at tens of thousands of merchants around the world and at places ranging from gas stations to bars.
If you have an Amex card, you’ll be able to easily access your American Express account online, so you can see all your transactions anytime. You can also pay bills, transfer funds, review your statements and check for any unusual activity. Access your account from any laptop, desktop or via the Amex Mobile app. It’s easy to sign up for paperless statements, analyze your spending, manage your Membership Rewards Points and contact customer service. Eligible members can also access the 24/7 concierge service and locate airport lounges though the website or app.
It’s easy to keep up with your American Express account on the go with mobile banking options that allow you to track your spending and rewards, take advantage of special Amex Offers, pay your bill from your Smartphone and track any potentially fraudulent activity with real-time alerts. If you want to redeem Membership Rewards points online, you can do so through the app. The Amex Mobile app is available for free through the App Store for Apple iOS, or Google Play for Android operating systems, and serves folks with personal, small business, and corporate accounts.
Amex cards are compatible with Apple Pay, Samsung Pay and Android Pay. These digital wallets are a convenient and secure way to make purchases both in stores and online.
The American Express Security Center regularly monitors accounts for unusual activity and other possible fraudulent use. If there is suspicious activity on your account—that is, activity that differs from your normal, everyday use, or otherwise raises a red flag with Amex—they will attempt to contact you to verify the activity before approving the charge. If they cannot get in touch with you, they may put a temporary hold on your account, effectively freezing it and preventing it from being used until they can reach you. If your card is lost or stolen, or your account is compromised, you are fully protected from liability for any fraudulent charges, thanks to Amex’s zero fraud liability policy.
If you suspect that your account may have been compromised, contact American Express Immediately. Call the phone number on the back of your Amex card, or go to the American Express website and search the tab labeled Contact Us. The best thing to do is to call customer service, but if you are in a place where calling is difficult or impossible, you can go online to report the suspicious activity. You can also report emails that you suspect to be phishing attempts.
Starwood Preferred Guest® Credit Card from American Express
Best for hotel rewards
Gold Delta SkyMiles® Credit Card
Best for Delta travelers
Platinum Card® from American Express
Best for travel overall
Blue Cash Preferred® Card from American Express
Best for cash back