APPLY HERE: The Business Platinum Card from American Express. Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. You can usually get a student credit card even if you have limited credit history. Some of the best cards on the market are offered by American Express and its partners. Receive 10,000 Starpoints after making your first purchase on your new card. Read our full Blue Cash Preferred Card review. https://www.nerdwallet.com/best/credit-cards/american-express-cards How can I increase my credit limit with American Express? Here’s an overview of two American Express cards that fit into this category: Welcome offer: Earn a $300 statement credit after spending $3,000 in purchases within the first 6 months. APPLY HERE: Blue Cash Everyday Card from American Express. Every traveler should have a card that earns transferable points to shield yourself from devaluations and give you flexibility when it comes time to redeem. (Expires Dec. 31, 2020). Earn cash back on your Amazon business purchases or get interest-free days. Learn how we maintain accuracy on our site. We’ve pulled together the top 16 offerings from American Express — let’s see how they stack up against each other. This card works much like the Blue Cash Everyday Card, but has the added benefit of allowing members to accumulate rebates much more quickly. Purchases are interest free for the first six or 12 months. Depending on how many Amex Offers you’re able to use each year, you may be able to entirely recoup your card’s annual fee through just this program before even taking into account other benefits and perks. The company terms it a charge card, rather than a credit card, because it does not allow revolving balances. Here are the main types of credit cards: Standard credit cards are the most traditional type of credit card; they allow you to spend up to a pre-set credit limit, with no interest charged if you pay off the full balance by the due date every month. Earn Membership Rewards points or Avios points on all purchases, Additional travel benefits like Lounge Access and Travel protection. As an alternative, you could consider a secured credit card. Within each type, there is a wide variety of options—but you’ll be able to make an informed choice with greater confidence that the card’s basic features will work for you. Cardmembers can enjoy access to a wide range of sought-after events, including music, theatre and film, often before tickets go on sale to the general public with American Express Invites. Get the most out of your Card with no annual fee. Compare benefits for Reward Points, Travel Rewards and Cash Back Cards. Terms apply. The mid-tier option for Hilton Honors™ credit cards. Receive 10,000 reward points after your first purchase. Offer Expires 1/13/2021. Typically, you need a good to excellent credit score to qualify for a charge card. Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. Holders enjoy the same privileges as Platinum Delta business members, plus the ability to earn Medallion® Qualification Miles. The company terms it a charge card, rather than a credit card, because it does not allow revolving balances. Below, you’ll find a table of the different types of rewards Amex offers and a link to where you can find out more about earnings points, miles or cash back. Earn three Hilton HHonors Bonus Points for other eligible purchases. As an alternative, you could consider a secured credit card. However, notable exceptions are the Amex Everyday products. Cardholders also get a free night award each year after their cardmember anniversary for properties that cost up to 50,000 points per night, plus complimentary Marriott Gold status (and the opportunity to earn Marriott Platinum status after spending $75,000 on the card in a calendar year) and a Priority Pass Select membership. According to customer reports, Amex allows up to two card applications per day. Read our full Blue Business Plus Credit Card review. Earn cash back, partner rewards and more with this suite of small business credit and charge cards. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. We describe nine main types of credit cards to help you make an informed choice. Standard credit cards allow you to spend up to a pre-defined credit limit; once you hit that limit, you must pay off some of the balance before spending any more. Purchase, Refund, Online Fraud Protection and more. 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months. I’d argue that now is still a good time to consider applying for the card if you are a frequent traveler under normal circumstances. Travel membership programs, concierge services and other value-added services only add to the glitter of its cards. Earning rate(s): 2 points per dollar spent at U.S. supermarkets (up to $6,000 per year, then 1 point dollar after that); 1 point per dollar everywhere else. Terms Apply. Whether you are a frequent traveler, looking for high-end rewards, or someone who just wants to track your expenses more carefully, American Express has a credit card for you. The SimplyCash® Plus Business Credit Card from American Express is now the American Express Blue Business Cash™ Card, with flat-rate cash back and an intro APR on purchases. Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. The interest rate on a standard credit card is called an annual percentage rate (APR). Terms apply. Yes. American Express offers credit cards for all types of spenders. Business credit and charge cards often have extensive rewards programs geared towards the needs of businesses and their owners. To save time, use the following checklist to see if you meet our standard eligibility criteria: I have a current UK bank or building society account. The card also comes with a free checked bag on Delta flights, along with priority boarding and 20% savings on eligible inflight purchases. Enjoy all the benefits, convenience and security of an American Express Card – with the added bonus of accumulating Rewards points which offer you the flexibility to redeem for flights, hotels, gift cards and more. This card allows members to: Apply for the Plum card on the American Express website. Bonus: Earn 40,000 bonus miles after you spend $2,000 in purchases on your new card in the first 3 months of account opening. The balance that you carry over every month—on which you will pay interest—is known as “revolving credit.” Card issuers often charge an annual and/or monthly fee, though “no annual fee credit cards” also are available. Earn 100,000 bonus points after you spend $5,000 in purchases on your new Card in your first 3 months. Apply for the Platinum Delta SkyMiles Business card on the American Express website. Based on TPG’s valuation of Marriott points at .8 cents each, the free night certificate is worth $400 though it’s certainly possible to get more value from it. Limited time COVID benefits: Up to $10 in monthly statement credits for wireless telephone services purchased directly from U.S. service providers between May and December 2020 (up to $80 total). Since your balance must be paid in full each month, your account will accrue no interest charges. Earn cash back or get interest-free days on your Amazon business purchases. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. Amex’s business charge cards are standouts among competitors. Why we chose it: The card carries a host of valuable perks, including an annual $250 airline-fee credit (which works the same as the Amex Platinum’s credit) and an annual credit of up to $250 valid at select Hilton resorts. The material made available for you on this website, Check for Pre-qualified Credit Card Offers, Credit Intel – Financial Education Center. Many major retailers issue this limited-purpose type of credit card, which can only be used to buy goods and services from a specific retailer. See. American Express cards fall into several categories, each with benefits and potential drawbacks to consider. If you are unsure, you should get independent advice before you apply for any product or commit to any plan. This card boasts a welcome offer worth up to $720, an annual companion certificate and valuable Delta perks. American Express offer various charge card & credit card types, including cashback cards and travel cards. The interest rate is variable, ranging between 15.24 and 19.24 percent, based on credit worthiness. This heavy-hitter rewards card has uncontested value. For the first year, the users will be charged Rs.1,000 plus applicable taxes as the fee. Earn six percent cash back at U.S. supermarkets, up to $6,000 per year in purchases. APPLY HERE: American Express Gold Card (60,000-point bonus offer). Why we chose it: The Surpass card is a great option for those who visit Hilton properties a few times a year.