Best American Express Credit Cards for 2018

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In the world of great credit cards with even greater rewards, there’s no shortage of these when it comes to American Express. But, with so many American Express cards to choose from, how do you know which one is right for you? Fortunately, we took the time to review several American Express cards and their reward options to help you decide.

The Simple Dollar's top picks

Best for cash back

Blue Cash Preferred® Card from American Express
Apply Now on American Express' secure website

For cash back on everyday purchases like going to the supermarket and filling up at the gas station, we recommend Blue Cash Preferred® Card from American Express. When you use this card at U.S. supermarkets, you can earn 6% cash back (on up to $6,000 per year, after that 1%). Purchases at U.S. gas stations and select U.S. department stores let you earn 3% cash back (1% back on all other purchases). The Blue Cash Preferred® Card from American Express is the quintessential cash back rewards card for anyone looking to earn rewards without adversely adjusting their spending habits.

Cash back details 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). Terms Apply.
Annual Fee $95 See Details
APR 14.49% - 25.49% Variable See Rates & Fees
Welcome bonus $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Terms Apply.

Highlights

  • 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees

0% interest & great rewards

Blue Cash Everyday® Card from American Express
Apply Now on American Express' secure website

The Blue Cash Everyday® Card from American Express has no annual fee. This means you can spend less time worrying about those additional charges and more time earning 3% cash back at U.S. supermarkets (on up to $6,000 per year, 1% after that) and 2% cash back at U.S. gas stations and select U.S. department stores. There’s also a signup bonus of $150 (statement credit) when you spend $1,000 in the first 3 months.

Cash back details 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). Terms Apply.
Annual Fee $0 See Details
APR 14.49% - 25.49% Variable See Rates & Fees
Welcome bonus Earn $150 back after you spend $1,000 in purchases on your new Card within the first 3 months. Terms Apply.

Highlights

  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees

Best for points

The Amex EveryDay® Credit Card from American Express
Apply Now on American Express' secure website

Points are another great way credit cards can give back to their cardholders, and one of the best examples on this list is The Amex EveryDay® Credit Card from American Express. Upon signing up, cardholders are eligible for 10,000 Membership Rewards® points after spending $1,000 in purchases within the first three months. You can also earn 2x points just by using this card at U.S. supermarkets (up to $6,000 per year in purchases; 1x after) and 1X point on other eligible purchases.

Cash back details
Annual Fee $0 See Details
APR 14.49% - 25.49% Variable See Rates & Fees
Welcome bonus Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months. Terms Apply.

Highlights

  • $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees

The bottom line

All of American Express’ credit cards have lengthy and sometimes complicated rewards systems, so read through everything carefully before deciding which card is best for you. Remember that American Express wants you to earn rewards, so they’ve set it up to make sure you get something from nearly every purchase — it’s up to you to decide what that something should be.

  • Blue Cash Preferred® Card from American Express Best for cash back Blue Cash Preferred® Card from American Express
    Apply Now
  • Blue Cash Everyday® Card from American Express 0% interest & great rewards Blue Cash Everyday® Card from American Express
    Apply Now
  • The Amex EveryDay® Credit Card from American Express Best for points The Amex EveryDay® Credit Card from American Express
    Apply Now

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