Types of american express credit cards

Fill American Express Card Application Online

American Express is offering a wide range of credit cards with a lot of perks to its loyal clients. They offer a variety of benefits that can be a perfect fit to meet the needs of different lifestyles. Whether you are a savvy shopper, frequent flyer, reward hunter, or a business owner, the Credit Card offers you a number of benefits that you can enjoy. One of the best parts of American Express services is their 24/7 customer service that a busy individual would always appreciate. Let’s talk about some of the benefits it offers, different types of cards available, and how to apply for one.

Available Types Of Credit Cards:

The American Express is offering a wide range of credit cards that are as below:

  • Amex EveryDay Credit Card
  • Amex EveryDay Preferred Credit Card
  • Hilton HHonors Card
  • American Express Platinum Credit Card
  • Blue Cash Preferred Credit Card
  • Blue Cash EveryDay Credit Card
  • Gold Delta SkyMiles Credit Card
  • Platinum Delta SkyMiles Credit Card
  • Premier Rewards Gold Card
  • Starwood Preferred Guest Credit Card
  • Simply Cash Plus Business Credit Card
  • The Business Platinum Card
  • The Blue for Business Credit Card
  • Starwood Preferred Guest Business Credit Card
  • Gold Delta SkyMiles Business Credit Card
  • The Plum Card
  • Business Green Rewards Card

So, this is an extensive list of credit cards that the American Express is offering to its clients with different benefits. Now, let’s take a look at what benefits a Credit Card will offer you.

Benefits Of Amex Everyday Credit Card

  • You can get 10,000 membership rewards points.
  • 2X points at the US supermarkets.
  • 20% more points for using your card 20 or more times in a billing period.
  • No annual fee.
  • Flexibility to pay in full or over time.
  • 0% intro APR on your purchases & balance transfers for the twelve months.
  • And more…

How To Apply For American Express Card Application?

Here are the simple steps you need to follow to apply for an EveryDay Credit Card:

  • Click the link .
  • Scroll down just a little, and then click on the blue “Apply Now” button that appears under the title of Amex EveryDay Credit Card on right side.
  • Now, start filling up the application form by entering your personal information in all the blank fields such as full name, email address, social security number, date of birth, etc.
  • After filling up the personal information, move next to the additional selection options and select the ones you need.
  • Check or leave as it is the option, “If I’m approved, send me a one-time text message”, and then hit the blue “Continue” button.
  • Now, read the terms and conditions of the service providers, and then click the blue “Agree & Submit Application” button.
  • They will review your submitted application and contact you soon on your phone or via email address that you have provided.

If you wish to apply for any other credit card offered by the American Express, then you should read their benefits first, and then decide whether or not it’s a perfect fit for you. I hope you would have found this guide informative, especially if you were looking to apply for the Credit Card. you can also buy Amex gift cards for gift shopping.


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The 4 Best American Express® Cards

Latest Update November 16, 2015

Selecting the best American Express credit card will largely depend on the types of rewards each person values. All of the top American Express cards provide a generous sign-up bonus and many offer multiple opportunities for bonus rewards on a variety of common purchases. The cards all have an annual membership fee, though the fee is waived for the first year of card ownership. Comparing the best American Express credit cards can be difficult as each card has different trade-offs and some are more difficult to get accepted to than others.

The American Express® Premier Rewards Gold Card stands out as the best American Express® credit card because of the numerous opportunities to earn bonus points on common purchases. With the Premier Rewards Gold card, cardholders can look forward to triple points on airfare, double points on gasoline at U.S. stand-alone gas stations, double points at U.S. stand-alone supermarkets, and single points on other purchases. New cardholders can also earn 25,000 Membership Rewards® points after spending $2,000 during the first three months of card membership, and an additional 15,000 points after spending $30,000 within one calendar year. Recommended for those with strong credit, the card has an introductory annual fee of $0 for the first year, then $175 for each year thereafter. This annual fee may be a drawback for some, but with so many bonus point opportunities, the card can easily pay for itself. Because the Premier Rewards card is a charge card, those looking to carry a balance from month-to-month may be disappointed as the card requires the balance to be paid in full each month.

The Blue Cash Preferred® Card from American Express ranks among the best American Express® credit cards by offering impressive cash back rewards. With the Blue Cash Preferred® Card, cardholders can get 6% cash back at U.S. stand-alone supermarkets, 3% cash back on gasoline at U.S. stand-alone gas stations and select major department stores, and 1% cash back on all other purchases. Cardholders will also earn 150 Reward Dollars after making $1,000 in purchases in the first three months of card membership. One minor drawback of all of these generous rewards is the cash back limit placed on supermarket purchases, as only the first $6,000 of purchases at U.S. stand-alone supermarkets in a calendar year qualifies for the 6% cash back (1% thereafter). Recommended for those with excellent credit, the Blue Cash Preferred® Card has an introductory annual fee of $0 for the first year, then $75 for each subsequent year. For those looking for a solid cash back rewards card, the Blue Cash Preferred® Card will be pretty difficult to beat.

The PenFed Premium Travel Rewards American Express® Card is one of the top travel rewards credit cards available. With five points per dollar spent on airfare purchases, and a 20,000 PenFed points bonus after spending $2,500 within the first three months of opening the card account, cardholders will be able to accumulate points quickly. In addition, the PenFed Premium Travel Rewards card does not charge a foreign transaction fee, a great benefit for those that travel internationally often. There is also no annual membership fee, and an excellent balance transfer rate will be appreciated by those with existing credit lines looking to transfer a balance. One drawback of the card is that cardholders must be a , which requires the cardholder to be in the United States Military or Uniformed Services, to be an employee of a qualifying organization, or through two charity memberships, which will cost you a small one-time fee.

The Gold Delta SkyMiles® Card from American Express® is a travel rewards credit card that rounds off the list of best American Express® credit cards. The Gold Delta SkyMiles® Card allows you to earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first three months and a $50 statement credit after you make a Delta purchase with your new Card within your first three months. You also earn two miles on Delta purchases and one mile for all other eligible dollars spent. Cardholders will benefit from some Premium Travel Perks, including the ability to settle in sooner with priority boarding. International travelers should note that the card charges a foreign currency transaction fee of 2.7% of each transaction after conversion to U.S. dollars. The Gold Delta SkyMiles® Card has a $0 introductory annual fee for the first year, then $95 for each subsequent year. However, you’ll be able to check your first bag free on every Delta flight – that’s a savings of up to $200 per round trip for a family of four.

Types of american express credit cards

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Top 6 Best American Express Card Offers & Benefits | 2017 Ranking | Compare Top AMEX Card Offers

2017 RANKING & REVIEWS

TOP RANKING CREDIT CARDS FOR AMERICAN EXPRESS

Finding the Best American Express Credit Card Offers

Do you want to become the owner of an American Express credit card, joining the other 117.8 million Amex cards in circulation? With decades of experience in the credit card industry and a ranking of #88 in the Fortune 500 ranking, you will be in good hands with American Express.

However, it is important to know what your needs are before you go searching through Amex card offers and the American Express card benefits and services that are available for each offer.

Types of american express credit cards

Award Emblem: Top 6 Best American Express Card Offers

Some American Express card benefits are unique to certain cards while other card offers have similar features. As you compare the different benefits of the American Express cards, think about whether you care more about earning cashback rewards or having low interest rates.

If you are thinking of transferring a loan or credit card balance over, this will also influence your decision. These are all things to take into consideration when you compare American Express cards.

When looking into American Express card benefits and offers, it will likely take some time to analyze all of the different cards available. Instead of rushing through and going with an American Express credit card offer that doesn’t suit you, we have done all of the work to help you choose wisely.

After careful analysis and consideration, here is our list of the top 6 American Express credit card offers.

AdvisoryHQ’s List of Top 6 Amex Card Offers

List is sorted alphabetically (click any of the credit card names below to go directly to the detailed review section for that credit card):

Top 6 Best American Express Credit Card Offers| Brief Comparison

Amex EveryDay® Credit Card

Blue Cash Everyday® Card from American Express

$150-$350 cash back

Blue Cash Preferred® Card from American Express

$250-$450 cash back

Gold Delta SkyMiles® Credit Card

$95, waived the first year

SimplyCash® Plus Business Credit Card

Starwood Preferred Guest® Business Credit Card

$95, waived the first year

Table: Top 6 American Express Card Comparison| Above list is sorted alphabetically

Don't Miss: High Yield Bank Accounts

Detailed Overview of What to Look for in Amex Credit Card Offers and Benefits

If you are wondering what you should be searching for in Amex credit card offers and benefits, there are several things to look at depending on which American Express card services you are considering.

Types of american express credit cards

When going over American Express credit card deals, the following features should be taken into consideration:

  • If there is an annual fee
  • Signup bonuses
  • Continual rewards
  • Low APR
  • Introductory APR offer
  • No foreign transaction fees

It is important to compare Amex cards to make sure that you are taking advantage of the best American Express card offers. Though you might not find all of the benefits of American Express cards on one credit card, the best American Express credit card deals will have a good combination of the features listed above.

What methodology does AdvisoryHQ use in selecting and finalizing the credit cards, financial products, firms, services, and products that are ranked on its various top rated lists?

Please click here “AdvisoryHQ's Ranking Methodologies” for a detailed review of AdvisoryHQ’s selection methodologies for ranking top rated credit cards, financial accounts, firms, products, and services.

Detailed Review – Top Ranking Best Amex Card Offers

Below, please find the detailed review of each card on our list of the best American Express card benefits. We have highlighted some of the factors that allowed these American Express card offers to score so high in our selection ranking.

Amex EveryDay® Credit Card Review

The AMEX EveryDay Credit Card is the first American Express card comparison that we will delve into. This card comes up front with 0% APR on purchases and balance transfers which last for 12 months. After that, you will see a variable APR between 13.24% and 23.24%. It also comes with no annual fee, making it one of the best American Express card benefits.

As with other American Express credit card offers, this one comes with cashback rewards. If you spend $1,000 in the first three months of owning your card, you will receive 10,000 Membership Reward points.

By using your card more than 20 times in a single billing period, you will also earn 20% more points during that period. This is one of the best Amex card offers because, on top of those rewards, you will earn 2 times the points at grocery stores and 1 point per dollar on all other purchases.

If you are a frequent credit card user, then this might be one of the best American Express credit card offers for you. Not only do you get an introductory 0% APR period that allows you to defer some payments, but you also receive a bonus for signing up. Out of all of the Amex card offers out there, this is the only one that rewards you for frequent spending. With no annual fees and plenty of point-earning potential, there isn’t much to complain about in this American Express card comparison.

Blue Cash Everyday® Card from American Express Review

Like other cards on our American Express Card Comparison, the Blue Cash Everday Card offers a 0% introductory APR for purchases and balance transfers. After the introductory period, your APR hikes up somewhere between 13.24% and 23.24%.

As we continue to compare American Express cards, this card’s lack of an annual fee makes it great for those looking for a no annual fee rewards card. Perhaps the best American Express card benefit that comes with this option is the rewards offered.

By spending just $1,000 in purchases within 3 months of opening your new card, you will earn a $100 cashback reward that can be used as a statement credit. Furthermore, another of the great American Express card benefits is that if you apply by January 1, 2017, you will get 10% cash back at Amazon, up to $200 for the first six months. Aside from that, you will earn 3% at supermarkets, 2% at gas stations, and 1% everywhere else.

Of all of the American Express credit card offers, this is the best one for students. There is no annual fee, a nice introductory APR period to get you adjusted to paying your own bills at college, and a bonus cashback offer that is easy to achieve. Also, the cashback categories align with what college students are spending money on – with textbooks on Amazon, gas, and buying your own groceries, it is easy to reap the rewards of this no fee cashback card.

Blue Cash Preferred® Card from American Express Review

The Blue Cash Preferred Card® from American Express is another one of the Amex card offers currently available. While this one comes with a $95 annual fee, there are other American Express card benefits that you can take advantage of. It comes with a 0% APR period of 12 months on purchases and balance transfers, like many of the other cards included in our American Express Card Comparison. After the introductory APR period, your interest rate will jump up between 13.24% and 23.24%.

In terms of American Express card benefits, this is a bit similar to the Blue Cash Everday® Card when it comes to cashback rewards. You earn $150 instead of just $100 by spending $1,000 in the first 3 months. This card also offers 10% cash back at Amazon for 6 months, and you will redeem cash back via statement credits.

Where the Blue Cash Preferred® Card really differs from the Blue Cash Everday® Card is in cashback categories. Regarding benefits of American Express cards, this one stands out as you can earn 6% cash back at grocery stores, 3% at gas stations, and 1% every else.

This is one of the best Amex card offers for larger families. With a nice signup bonus and earning categories that matter to large families – grocery stores, gas stations, and Amazon – you will easily be able to enjoy nice cashback statement credits.

Gold Delta SkyMiles® Credit Card Review

As we continue to compare Amex cards, next up is the Gold Delta SkyMiles Credit Card. For the first year, this card will have no annual fee, but every subsequent year will carry a $95 charge. If you can get past this, it is one of the best American Express credit card offers out there right now.

There is no foreign transaction fee, which means you can use this card abroad without racking up additional charges. With an APR between 15.29% and 24.99%, this is on the higher end of cards included in our American Express card comparison, but the rewards are worth it.

In terms of American Express card benefits, the rewards on this card are great. If you spend $1,000 in the first three months of opening your account, you will earn 30,000 bonus miles. On top of that, you will earn 2 miles per dollar spent at Delta – plus 5 extra miles if you have a SkyMiles membership – and one mile per dollar spent every else. These miles quickly add up, especially with the initial bonus offer.

Anyone who loves earning free flights will think this tops the Amex card offers out there. If you like flying Delta and spend a good amount on Delta flights every year, this card is definitely worth it.

SimplyCash® Plus Business Credit Card Review

If you want American Express credit card offers focused on business, then look no further than the SimplyCash® Plus Business Credit Card. This card comes with no annual fee and a 0% APR period for purchases that lasts 9 months.

If you are looking to make some larger business purchases, this is a good way to put off paying large expenses up front. After the intro APR period, interest rates fall between 12.49% and 19.49%, which is lower that some of the other cards in our American Express card comparison.

The American Express card benefits that come with this offer are centered on larger purchases. If you spend $5,000 in the first 6 months, you will earn a $500 cash back credit. If that number tops $10,000 in the first year, you will gain an additional $250 cash back. This card also offers 5% cash back on wireless telephone services, 3% on a category of your choosing, and 1% on everything else.

This tops the list of Amex card offers for business owners. Not only does the 0% APR offer allow you to defray some upfront costs, there is no annual fee, and the cashback rewards are a great way to earn money back on business purchases that you regularly make.

Starwood Preferred Guest® Business Credit Card Review

The American Express card benefits of the Starwood Preferred Guest® Business Credit Card are a bit mixed. Though there is no foreign transaction fee, this card carries an annual fee of $95 after the first year waiver. There is also no introductory APR period, so you will go right into seeing an APR between 15.49% and 19.49%.

When it comes to Amex card offers, this one has a great bonus. By spending $3,000 in the first 3 months, you will earn 25,000 bonus Starpoints. After that, you will earn up to 5 Starpoints for every dollar spent at participating hotels and 1 Starpoint for all other purchases. These points can be redeemed at over 1,2000 hotels and resorts across the globe with no blackout dates, and, as a bonus, you will get complimentary Boingo Wi-Fi at over 1 million hotspots.

Of all the American Express credit card offers, this is the best one for travel rewards. You can easily earn free nights at top resorts and hotels, and the free Boingo Wi-Fi keeps you connected through your travels. The fact that there is no foreign transaction fee is just the icing on the cake for international travelers.

Conclusion—Top 6 Best Amex Credit Card Offers and Benefits

American Express offers many different credit card options to meet the varying needs of individuals. There are several options when it comes to American Express card services, and they vary by the type of credit card. Certain American Express credit card benefits may make some cards more appealing to you than others.

Types of american express credit cards

Like we stated earlier, it is important to compare Amex cards and the benefits that they offer. As you do your own research to compare American Express cards, you can refer to our suggestions below:

  • Best for everyday spending: Amex EveryDay® Credit Card
  • Best for students: Cash Everyday® Card from American Express
  • Best for families: Blue Cash Preferred® Card from American Express
  • Best for miles: Gold Delta SkyMiles® Credit Card
  • Best for business: SimplyCash® Plus Business Credit Card
  • Best for travel: Starwood Preferred Guest® Business Credit Card

All of the credit cards on our list have American Express card services that make them great options. With this guide, you’ll now be able to confidently select the top choice among these AMEX card offers that will best-assist you in finding financial success.

Reasonable efforts have been made to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.

Note: Firms and products, including the one(s) reviewed above, may be our affiliates. Click to view our advertiser disclosures.


Pros & Cons of an American Express Credit Card

American Express, often called "AmEx9quot;, is different from most credit card issuers in that it is it's own bank as well. With other cards such as Visa or MasterCard, there is a bank backing the card. American Express has many different card options for personal or business. They also have cards geared towards young people or geared towards the wealthy. There are many pros and cons to an American Express card.

Using an American Express can have many benefits. One of the most rewarding benefits are the cash back rewards offered on many American Express cards. Cash back is often up to five percent on regular purchases; more than competitor Visa or MasterCard usually offers.

Unlike many other credit cards, there are usually no pre-determine spending limits on an American Express. A good credit report, history with AmEx, and time as a customer will enable you to have more freedom with your card.

Lastly, American Express customer service is known to be excellent quality. Complimentary concierge services can help you book travel or simply dinner reservations.

With any good, there is always the bad. Drawbacks of American Express include the notorious annual fees. Although an annual fee is almost expected, the actual fee itself varies. In some instances, the annual fee is waived for the first year, or sometimes two years, for simply signing up or agreeing to spend a certain amount each year, according to 100 Best Credit Card Reports.

Another negative is that American Express is not as widely accepted as other credit cards. If you use credit cards for most purchases, it would be wise to carry another type in the event American Express is not accepted.

When American Express first started offering credit cards they were true credit cards, meaning the balance had to be paid in full each month. At this time not all of American Express' cards require payment in full each month but many of them still do; be sure to understand your terms of use.

Lastly, your options for rewards are pretty basic, which means mostly just cash options. If you are trying to accrue sky miles, or other merchandise then American Express is probably not the best option.

When choosing to use an American Express credit card, it is important to consider your needs and preferences. Will you be using it for most of your purchases, do you traveling a lot, will you have the control needed for a card with no limits? Once you determine what you need out of a card, then you can properly choose whether or not to apply for an AmEx.

Whether you choose to use an American Express or not, it may be beneficial to carry an alternative credit card in the event of an emergency. Having a back up from another card issuer won't cost you anything but could come in handy.