Best AmeX Credit Cards To Try In 2026

Amex provides a wide range of credit cards for almost every purpose.

Every person wants to save and earn rewards so that they can redeem them for good use.

That’s why there is a saying that “a penny saved is a penny earned,” which suggests that

Most people want to maximize the rewards they can earn while spending money.

Top AmEx Credit cards you definitely want to try

Here are the top 5 AmEx credit cards that are worth using.

Platinum Card

The most preferred and featured credit card

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This is top of the list because it gives you all the premium benefits that you can squeeze out. That’s why it’s named “Platinum card.” It is quite expensive to carry, but worth the money for the kind of benefits, perks, and services it provides.

• You will earn 5x Membership reward points when you book a flight, prepaid hotel, or both, through AmexTravel.com or directly from an airline. Plus, having a huge capping limit of $ 500,000 in expenses per year can help you redeem some of your dollars into something useful.
• You are a big traveller, so you applied for a platinum card; hence, you’ll get another lavish benefit of the Global Lounge Collection of 1,550 airport lounges. The benefit is worth over $850 million annually.
• You will receive $300 in statement credits semiannually, totaling up to $600 per year on prepaid Fine Hotels + Resorts or Hotel Collection bookings made through American Express Travel. There is a clear condition for the Hotel Collection offer: you must book for at least two nights to be eligible.
• You are also going to get $15 Uber Cash each month and $20 in December when you add your platinum card to Uber for rides and orders in the U.S. You can also receive $120 per year in statement credits if you pay your auto-renewing Uber One membership using your platinum card.
• There is also $400 Resy credit in the form of $100 statement credit per quarter.
• You can earn up to 175,000 membership rewards points if you spend $8,000 within 6 months after you get a new Platinum card. (Offers might vary from time to time.)

Flexible ways to pay: Pay over time and Plan It sorts of features let you pay with the flexibility of your choice. With the former feature, you carry a balance with interest until you pay off your balance in full. On the other hand, you can pay off your purchase in monthly installments with a monthly fee. Hence, you don’t feel a burden of a substantial balance to pay off.

Points that might work against you:

• An annual fee of $895 can push you to incur some expenses just to make use of the card and earn rewards. However, if your lifestyle aligns with the perks and benefits, such as travelling, dining, hotel stay, and you are a constant user of Uber, then this card might be useful for you.
• Almost every benefit is followed by a double dagger or asterisk symbol, indicating that there are some Terms and Conditions to review.

Blue Cash Preferred Card

Best For CashBacks

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When using a Credit card, our primary objectives are to receive cash back or rewards to offset expenses and to avoid an annual fee, and this card might come in useful for the former objective, and a little for the latter.

Ways to earn:

• Spend  $6,000 per annum for purchases at U.S. supermarkets, and you receive 6% cash back. Above that threshold will receive 1%.
• You receive 6% cash back on select U.S. streaming subscriptions, such as Disney+, Hulu, and ESPN.
• 3% cash back on transit and at U.S. gas stations.
• Other purchases earn 1% as reward dollars that you can redeem as a statement credit.

Benefits:

• Get $10 per month as a statement credit for a complete year, totaling $120 for subscription purchase or as a bundle purchase for Hulu, Disney+, or Plus ESPN.
• Use your reward dollars to pay on your Amazon.com checkout.
• There is a unique feature, “send and split” (which most of the AmEx credit cards have), so you can split or share the payment with any Zelle or PayPal user, and when that person pays you back, the payment will be directly collected as a statement credit. Ultimately, you will get that money back and get a reward for that purchase, too.
• Don’t miss out on that special concert, as the Amex Blue Cash Preferred card will get you special ticket access plus premium benefits through Events with Amex.
• Extra rewards with your eligible card can be an additional perk that enhances your benefits.
• Other benefits include Car Rental Loss and Damage Insurance, Global Assist Hotline, Purchase Protection, Return Protection, etc. (Most of the AmEx cards have these benefits and services, just like the Platinum card.)

Rates and Fees to look into:

• Annual fee is $0 for the first year, then $95.
• APR for purchases is $0 for the first 12 months, then 19.74% to 28.74% and is variable.
• APR for balance transfer is $0 introductory for the first 12 months if requested within 60 days from the account opening, after that, 19.74% to 28.74% variable.
• The variable APR for cash advances is 28.99%
• Penalty APR is 29.99% variable, and is applied to all your minimum payments not paid or returned by your bank. For complete and detailed information, you should read the Rates and Fees page.

Delta SkyMiles® Gold American Express Card

Useful for airline benefits

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This gold-plated credit card provides you with airline rewards for your daily eligible purchases. Here is a complete breakdown of the benefits from this card:

• Save 15% when you book Award Travel using miles on Delta flights using delta.com or the Fly Delta app. (Discount is applicable on delta.com or Fly Delta only, and is not applied to other partner-operated flights, taxes, and fees.)
• If you spend $10,000 in a calendar year on eligible purchases, you will receive $200 Delta flight credit to use on future travel bookings.
• You’ll earn 2 miles per dollar spent on all eligible purchases at Delta, at restaurants, and at U.S. supermarkets. Other purchases receive 1 mile per dollar.
• Save up to $70 on a round-trip on Delta flights with free bag check, which means larger savings on traveling with family.
• When you book prepaid hotels and vacation rentals using this card through Delta stays on delta.com, you get up to $100 back annually as a statement credit.

Other Services and Perks:

• Get a chance of achieving up to 70,000 bonus miles when you spend $2,000 within the first 6 months from the date of account opening. The offer might vary from person to person.
• Get $0 intro annual fee for the first year, then $150—additionally, no foreign transaction fees and no over-limit charges.
• If you purchase food and beverages on a Delta flight, you’ll receive a 20% savings in the form of a statement credit.
• Other services include Send&Split, Pay It, Purchase Protection, Events with Amex, Car Rental Loss and Damage, etc.

Blue Cash Everyday Card:

No annual fee

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With no annual fee, this card may be easy on your pocket, helping you make calculated purchases.

• 3% cash back on all eligible purchases at U.S. supermarkets, until you cross $6,000 annual threshold. After that, 1% cash back applies.
• 3% cash back on U.S. online retail purchases, capped at $6,000 per year. After that, purchases will earn 1% cashback.
• 3% cash back at U.S. gas stations, with a cap of $6,000, and after that 1% cash back will apply.
• $84 statement credit as $7 per month for subscription purchases.
• Welcome offer worth $200 as a statement credit if you spend $2,000 within 6 months from the date of your account opening.

Other Perks & Benefits:

• Similar to the Blue Cash Preferred Card, you’ll receive special tickets, seating, and lounge hospitality at special events.
• Send & Split, Amex Offers, Plan It, Purchase Protection, Car Rental Loss and Damage Insurance, and Global Assist Hotline are other services and perks you can take advantage of.

Important Fees Structure:

• As mentioned previously, no annual fee on this card.
• 0% introductory APR for purchases for the first 15 months, then a variable APR of 19.74% to 28.74%.
• The APR for balance transfer is again 0% introductory, and then 19.74% to 28.74% variable APR.
• 28.99% variable APR for cash advances.
• A 29.99% penalty APR is applied, and is variable to the market’s prime rate.
• The foreign transaction fee is 2.7% for each transaction.

Hilton Honors American Express Card

7x Hilton Honors bonus

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If you love travelling and staying in hotels, this card might be the best bet for you, as it boasts a load of good benefits.

• Earn 7x bonus points for every dollar you spend on all eligible purchases with a hotel or resort within the Hilton hotel group.
• Earn 5x Hilton Honors bonus points on every dollar of eligible purchase you make at U.S. supermarkets, U.S. gas stations, and U.S. restaurants.
• You can earn 3x Hilton Honors Bonus Points for all other eligible purchases using this card.
• This card gives you Hilton Honors silver status, and if you spend $20,000 per calendar year on eligible purchases, you’ll get Hilton Honors gold status through the end of the next calendar year.
• Chance to earn up to 100,000 bonus points, after you spend $2,000 with your Hilton Honors American Express Card within 6 months of card membership. Offer ends 1/14/2026. (This offer may vary from person to person.)
• Travel benefits include Car Rental Loss and Damage Insurance and a Global Assist Hotline. Shopping & Entertainment benefits include: Purchase Protection, Events with Amex—additional benefits such as Send & Split, Plan It, and Year-End Summary, among others.

Important Rates & Fees:

• No foreign transaction fees.
• Annual fee is $0.
• The Purchase APR is 19.74% to 28.74% variable.
• 28.99% variable APR for cash advances.
• Penalty APR is 29.99% variable if you do not pay off at least the minimum payment by the due date.

Be sure to check out all the details and terms of these credit cards before applying. The good thing is if you click on the “Apply Now” button for any of their card, your credit score won’t be affected.

However, if AmEx approves you and then you choose to accept the card, they will share the information, which could impact your credit score.

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