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American Express credit cards

American Express lists 13 personal cards in its U.S. catalog, most of them co-branded with Delta, Hilton or Marriott Bonvoy ⁠1. This site covers the four cards under its own brand: the Platinum Card and the Gold Card, which earn Membership Rewards points, and the Blue Cash Preferred and Blue Cash Everyday cards, which earn cash back ⁠1⁠2⁠3.

Compiled from official sources 4 personal cards Last reviewed How we research
Contents7 sections

At a glance

Card issuerAmerican Express National Bank⁠2
Personal cards covered4: Blue Cash Everyday, Blue Cash Preferred, Gold, Platinum
Rewards programsAmerican Express Membership Rewards, Reward Dollars (Blue Cash cash back)
Card catalogamericanexpress.com

What to know about American Express cards

The Platinum Card and the Gold Card earn Membership Rewards points, whose value varies with how they are used ⁠2. Points can go toward travel through American Express Travel, Pay with Points, gift cards and transfers to participating airline programs, and each transfer to a U.S. airline's frequent flyer program carries a fee of $0.0006 per point, up to $99 ⁠6⁠2. The Blue Cash cards earn Reward Dollars, which can be redeemed for statement credits or at Amazon.com checkout with no minimum ⁠3.

American Express's benefit policies page links a separate page for each protection, such as Car Rental Loss and Damage Insurance, Purchase Protection, Extended Warranty, Return Protection, Cell Phone Protection and Trip Delay, and each of those pages lists the eligible cards with a link to the guide that applies ⁠4.

Cell Phone Protection, Trip Cancellation and Interruption, and Trip Delay are provided by New Hampshire Insurance Company, an AIG Company, while the Baggage Insurance Plan, car rental coverage, Extended Warranty and Purchase Protection are underwritten by AMEX Assurance Company ⁠2. For Purchase Protection, Extended Warranty and baggage questions the terms give 1-800-228-6855, and for car rental coverage 1-800-338-1670 ⁠2.

Card Members can see a free FICO Score and Experian credit report through MyCredit Guide ⁠5. The Platinum terms state that Lufthansa lounge access ran through September 30, 2026 and ended on October 1, 2026 ⁠2. The American Express Green Card no longer appears in the personal card catalog, and its former product address redirects to the catalog ⁠7⁠1.

American Express cards compared

American Express personal credit cards by annual fee
CardAnnual feeForeign feeRewards
Blue Cash Everyday Card from American Express $0 2.7% Earns 3% cash back at U.S. supermarkets, on U.S. online retail purchases and at U.S. gas stations (each on up to $6,000 per year in purchases, then 1%) and 1% on other eligible purchases, paid as Reward Dollars.
Blue Cash Preferred Card from American Express $95 2.7% Earns 6% cash back at U.S. supermarkets (on the first $6,000 per calendar year, then 1%) and on select U.S. streaming subscriptions, 3% on transit and at U.S. gas stations, and 1% on other eligible purchases, paid as Reward Dollars.
American Express Gold Card $325 None Earns 4X Membership Rewards points at restaurants worldwide (up to $50,000 per calendar year) and at U.S. supermarkets (up to $25,000 per calendar year), 5X on prepaid hotels and 3X on flights booked through American Express Travel or directly with airlines, 2X on prepaid car rentals and cruises through AmexTravel.com, and 1X on other eligible purchases.
Platinum Card from American Express $895 None Earns 5X Membership Rewards points on flights booked directly with airlines or through American Express Travel (up to $500,000 per calendar year) and on prepaid hotels booked through American Express Travel, 2X on eligible cruise bookings through American Express Travel, and 1X on other eligible purchases.

Benefits by card

A tick means American Express lists the benefit for that card; open the card for its limits and conditions.

Which American Express cards list each benefit
CardRental car coverageTrip cancellation and interruptionTrip delayCell phone protectionPurchase protectionExtended warrantyAirport lounge accessGlobal Entry or TSA PreCheck credit
Blue Cash Everyday ListedSecondaryNot listedNot listedNot listedListedNot listedNot listedNot listed
Blue Cash Preferred ListedSecondaryNot listedNot listedNot listedListedListedNot listedNot listed
Gold ListedSecondaryNot listedListedNot listedListedListedNot listedNot listed
Platinum ListedSecondaryListedListedListedListedListedListedListed

2 of 4 American Express cards we cover charge no foreign transaction fee.

Rewards programs

American Express Membership RewardsPoints program used by the Platinum Card and the American Express Gold Card. Points can be redeemed for travel booked through AmexTravel.com, Pay with Points at participating merchants, gift cards, statement credits, and transfers to participating airline and hotel loyalty programs. Point value varies by redemption; transfers to U.S. airline programs carry a fee of $0.0006 per point (maximum $99).⁠2⁠6
Reward Dollars (Blue Cash cash back)Cash back on the Blue Cash Preferred and Blue Cash Everyday cards is earned as Reward Dollars, redeemable for statement credits or at Amazon.com checkout with no minimum.⁠3

Cards not covered here

This site covers American Express’s own-brand personal cards. These cards in American Express’s catalog are outside that scope, mostly because their benefits belong to an airline, hotel or retail partner’s program:

  • Delta SkyMiles Gold American Express Card (co-branded (Delta))
  • Delta SkyMiles Platinum American Express Card (co-branded (Delta))
  • Delta SkyMiles Reserve American Express Card (co-branded (Delta))
  • Delta SkyMiles Blue American Express Card (co-branded (Delta))
  • Hilton Honors American Express Card (co-branded (Hilton))
  • Hilton Honors American Express Surpass Card (co-branded (Hilton))
  • Hilton Honors American Express Aspire Card (co-branded (Hilton))
  • Marriott Bonvoy Bevy American Express Card (co-branded (Marriott Bonvoy))
  • Marriott Bonvoy Brilliant American Express Card (co-branded (Marriott Bonvoy))
  • Centurion Card from American Express (invitation-only; not offered for application in the personal card catalog)
  • American Express Green Card (not open to new applicants as of 2026-10-10: not listed in the 13-card personal catalog, and its product URL (/us/credit-cards/card/green/) returns HTTP 301 to the catalog (snapshot amex-green-redirect))
  • Cash Magnet Card (not listed in the personal card catalog on 2026-10-10; product page returned 'Sorry, we are unable to load this page at this time.' (snapshot amex-cash-magnet-product))
  • Amex EveryDay Credit Card (not listed in the personal card catalog on 2026-10-10; product page returned 'Sorry, we are unable to load this page at this time.' (snapshot amex-amex-everyday-product))
  • Amex EveryDay Preferred Credit Card (not listed in the personal card catalog on 2026-10-10 (still named on benefit policy pages for existing Card Members))
  • Platinum Card from American Express Exclusively for Charles Schwab / Exclusively for Morgan Stanley / for Goldman Sachs (partner-exclusive Platinum variants (co-branded with financial firms); not in the public personal card catalog)
  • Morgan Stanley Blue Cash Preferred American Express Card (partner-exclusive variant; not in the public personal card catalog)
  • All American Express business and corporate cards (e.g. Business Platinum Card, American Express Business Gold Card, Blue Business Plus, The Plum Card, Delta/Hilton/Marriott/Amazon business cards) (business card; out of scope)

Sources

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Each card page lists the sources for that card’s fees and benefits.

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