American Express credit cards are designed to provide cardmembers with better customer service.T these business credit cards contain many credit card offers. If you have a gold card, you will receive rewards points on flights when you book directly with airlines or you will enjoy access when terms apply.
Blue Cash Everyday Card from American Express
For the small family that doesn't want to be saddled with an annual fee, the Blue Cash Everyday delivers 3% back at U.S. supermarkets and 2% back at U.S. gas stations and select U.S. department stores. Terms apply. There's also a $150 introductory bonus after you spend $1,000 within the first 3 months of card membership.
American Express Cash Magnet™ Card
This card is a good choice for someone who wants a no-fuss cash back credit card. The Cash Magnet gets you 1.5% cash back on all purchases. You can use your cash back to redeem for stuff like statement credits, gift cards, and purchases through Amex's shopping portal.
The Cash Magnet also comes with a good welcome offer, totaling to $250 cash back. $150 of that amount comes after you spend $1,000 in the first 3 months, and the other $100 after you spend $6,500 on top of that in your first 12 months. While the intro bonus is certainly large in total compared to other cash back offers, the requirements for getting there are steep.
The Platinum Card from American Express
If you travel often but don't love it, this card offers a host of travel features, including an annual Uber credit up to $200. With access to exclusive airport lounges and 5X points for flights booked through airlines or American Express Travel, this card also gives you 60,000 points after a $5,000 spend within the first 3 months of card membership. Terms apply. Heads up that there's a $550 annual fee.
Blue Cash Preferred from American Express
With a larger family, this card can help you maximize cash back. There's the $200 welcome bonus after you spend $1,000 within the first 3 months of card membership, as well as the 6% back at U.S. supermarkets (up to $6,000 spend in a year, then 1%). That means if you spend $500 a month on groceries, that comes to $360 for the year. This card also earns you 3% back at U.S. gas stations and select U.S. department stores, making your cash back even greater. Terms apply. There's a $95 annual fee, but that fee is quickly offset by the cash back you can get with this card.
American Express® Gold Card
As the revamped successor to the Premier Rewards Gold Card from American Express, the new American Express Gold Card has superb rewards for dining and shopping. It now earns 4X points at U.S. restaurants, and 4X points at U.S. supermarkets up to $25,000 in purchases per year before converting to 1%. Furthermore, it earns 3X points on flights booked directly with airlines or through amextravel.com, making it a very well-rounded card. While there is a $250 annual fee, there are also some notable benefits that offset it – namely, a $100 annual airline fee credit and a $120 annual dining credit (up to $10 per month) at participating locations.
The Blue Business Plus Credit Card from American Express
This card has the rare feature of serving as a hybrid – it's a credit card, but it has the feature of a charge card in that you can go over your credit limit, within reason. What does that mean? American Express evaluates your credit, payment habits and income to decide whether you can go over. Meanwhile, you can carry a balance month to month because it is a credit card.
Like a business card, you can benefit from business purchases with 2X points on expenditures such as office supplies or office dinners (first $50,000 per year, then it's the 1X point). Terms apply. There's no annual fee and you can get 0% intro APR for 15 months on purchases and balance transfers (then 13.24%, 17.24%, or 21.24% variable).
American Express® Business Gold Card
This card is ideal for the small-business owner who has a wide range of business-related expenditures. You'll earn 4X points on your 2 top spending categories (out of 6 possible categories) each billing cycle, for up to $150,000 in expenses each year. Categories include tickets purchased directly from airlines; the U.S. advertising from select media; U.S. gas stations; U.S. restaurants; U.S. shipping; and select U.S. computer-related purchases. Terms apply.
While there is a $295 annual fee, it's a card worth considering for businesses that spend a meaningful amount on purchases in the 4X categories.
SimplyCash Plus Business Credit Card from American Express
With no annual fee, you can quickly rack up the business cash back with this card. You'll earn a whopping 5% back on the first $50,000 on wireless services purchased directly from U.S. providers and U.S. office supply stores. Then, get 3% back on the first $50,000 spent on your choice of 8 categories (and 1% on other purchases). Terms apply. This card also offers Expanded Buying Power, which means you can go over your limit, provided you meet certain criteria.
Hilton Honors American Express Ascend Card
Like the Delta suite, this card is among a suite of Hilton products that are ideal for the traveler who frequents this brand. You can earn a weekend night after spending $15,000 in a calendar year; and with a nearly $40,000 spend, you can upgrade to Diamond status, which affords you such benefits as executive lounge status, 48-hour room guarantee, elite status gifting, as well as the lower levels' benefits.
The rewards abound with this card, making its $95 annual fee worthwhile. There's up to 125,000 points introductory bonus (after $2,000 in purchases within your first 3 months of membership); 12X points for spending at participating hotels and resorts within the Hilton Portfolio; 6X points at U.S. restaurants, supermarkets and gas stations; and 3X points on all other eligible purchases. Terms apply.
Platinum Delta SkyMiles® Business Credit Card from American Express
This card is a premium travel card designed specifically for businesses that frequently fly on Delta Airlines. Although it comes with a sizable $195 annual fee, the Platinum Delta SkyMiles Business card also has an intro bonus of 35,000 miles and 5,000 Medallion® Qualification, Miles, after you spend $1,000 in purchases in your first 3 months. There's an additional $100 statement credit if you make a Delta purchase in your first 3 months.
Ongoing rewards include 2 miles per dollar on direct purchases from Delta and 1 mile per dollar on other purchases. Because the 2X rate only applies to Delta purchases, this card ultimately only makes sense for businesses where Delta flights account for a large chunk of expenses. If your business fits that description, the card can be extremely lucrative.
Whether to get American Express Credit Card or not? The Amex Membership Rewards program allows you to redeem your points in a variety of ways, whether you want to use the American Express Credit Card to give a gift or to save up for the big trip. Here are the ways you can redeem:
• Travel Rewards
o Transfer Points. Amex partners with a variety of hotels and airlines
o Use points on AmexTravel.com. You can use them for part or all of your flight, or a prepaid hotel, vacation package or cruise booking.
• Gift Cards. You can redeem for gift cards to more than 100 restaurants, retailers, or for entertainment or travel brands. You can also redeem for an Amex gift card that you can use at participating retailers.
• Merchandise. Shop on MembershipRewards.com for such items as electronics, jewelry, sports equipment or home decor.
• Shopping. You can use points when shopping online and in-store with participating merchants.
• Charges. You can apply points toward eligible charges you've already made on your card.
• Charity. Use your points to donate to a non-profit registered with Members Give.
So, do you need to process the American Express credit card? It depends on the direction of your consumption.