American Express Credit Card Offers

Delta SkyMiles® Reserve American Express Card Overview

The Delta SkyMiles® Reserve American Express Card is designed for frequent Delta flyers who want to maximize their travel experience. With an annual fee of $650, this premium card offers a variety of benefits that enhance travel rewards and provide exclusive access to lounges and services. Cardholders can earn substantial bonus miles and enjoy perks that cater to their travel needs, making it an attractive option for those who regularly fly with Delta Airlines.

Pros

One of the standout features of the Delta SkyMiles® Reserve American Express Card is the generous welcome offer. New cardholders can earn 70,000 Bonus Miles after spending $5,000 in eligible purchases within the first six months, providing a substantial head start to their travel rewards. Additionally, cardholders benefit from 3X Miles on Delta purchases and 1X Miles on all other eligible purchases, allowing them to accumulate miles quickly.

The card also provides exclusive access to the Delta Sky Club®, offering 15 visits per Medallion® Year when flying Delta, with the potential to unlock unlimited visits after spending $75,000 in purchases in a calendar year. Moreover, cardholders receive four One-Time Guest Passes each Medallion Year, making it easy to share the experience with family and friends.

For those who enjoy dining and ridesharing, the card offers monthly credits, including a $240 Resy Credit for eligible purchases at U.S. Resy restaurants and a $120 Rideshare Credit for U.S. rideshare purchases. This can help offset the annual fee significantly. Additionally, cardholders enjoy a Companion Certificate for a First Class, Delta Comfort+®, or Main Cabin round-trip flight to select destinations each year after renewal, adding significant value to travel plans.

Cons

While the Delta SkyMiles® Reserve American Express Card offers many benefits, the $650 annual fee may be a deterrent for some potential applicants. Additionally, while the card provides numerous perks, they are primarily geared towards frequent Delta travelers, which may not be beneficial for those who fly with other airlines or travel infrequently.

Another consideration is that the card's rewards structure is heavily focused on Delta purchases. Cardholders earn 3X miles on Delta, but only 1X miles on all other eligible purchases, which may not be as appealing for those who prefer a more versatile rewards program. Furthermore, while the card does not have foreign transaction fees, the overall cost of maintaining the card may outweigh the benefits for occasional travelers.

Why We Like This Card

• Strong welcome offer of 70,000 Bonus Miles, perfect for frequent travelers.
• Exclusive lounge access enhances the travel experience.
• Monthly dining and rideshare credits provide ongoing value.
• Opportunity for a Companion Certificate makes travel more economical.
• No foreign transaction fees make it a good choice for international travel.

Overall, the Delta SkyMiles® Reserve American Express Card is an excellent choice for dedicated Delta flyers looking to enhance their travel experience with premium perks and rewards. With its extensive benefits tailored to frequent travelers, it can be a valuable asset for those who regularly utilize Delta Airlines for their journeys.

Delta SkyMiles® Gold American Express Card Overview

The Delta SkyMiles® Gold American Express Card is an excellent option for frequent travelers, particularly those who fly with Delta Airlines. With an enticing introductory offer and a variety of valuable travel benefits, this card is designed to enhance your travel experience while providing opportunities to earn rewards. The card comes with a $0 introductory annual fee for the first year, transitioning to a standard fee of $150 thereafter. Cardholders can earn bonus miles, enjoy discounts on travel, and benefit from added travel perks that make flying with Delta even more enjoyable.

Pros

One of the standout features of the Delta SkyMiles® Gold American Express Card is the opportunity to earn 50,000 Bonus Miles after spending $2,000 in eligible purchases within the first six months of membership. This substantial bonus can significantly jumpstart your travel rewards. Additionally, cardholders earn 2X Miles on Delta purchases, at U.S. supermarkets, and at restaurants worldwide, allowing for more miles on everyday spending.

The card also provides significant travel benefits, such as a free first checked bag on Delta flights, which can save you up to $70 on round-trip flights per person. For families, this could translate to savings of up to $280 on a round-trip flight. Furthermore, members receive Zone 5 Priority Boarding, allowing them to board early and settle in more comfortably.

Another attractive feature is the $200 Delta Flight Credit available after spending $10,000 in a calendar year, which can be used toward future travel expenses. Additionally, cardholders enjoy a 20% savings in the form of a statement credit on eligible Delta in-flight purchases, enhancing the overall travel experience.

With no foreign transaction fees, travelers can use the card abroad without worrying about additional charges. The option to use Send & Split® to manage shared expenses with Venmo or PayPal users adds convenience for those traveling with friends or family.

Cons

While the Delta SkyMiles® Gold American Express Card has numerous benefits, it is important to consider some potential downsides. After the introductory period, the annual fee of $150 may be a drawback for some users, especially if they do not frequently travel with Delta or utilize the card's benefits. Additionally, the requirement to spend $10,000 in a calendar year to receive the $200 Delta Flight Credit may be challenging for some cardholders.

Though there is a 15% discount on Award Travel when booking with miles, this discount does not apply to partner-operated flights or to taxes and fees, which could limit its usefulness. Furthermore, while the card offers great rewards on Delta purchases, the 1X Mile on all other eligible purchases may not be as competitive compared to other travel rewards cards that offer higher multipliers on a wider range of spending categories.

Why We Like This Card

• Generous welcome bonus of 50,000 miles for new cardholders.
• Valuable travel benefits such as free checked bags and priority boarding.
• Ability to earn 2X Miles on Delta-related purchases and dining.
• No foreign transaction fees, making it ideal for international travel.
• Convenient expense management with Send & Split® feature.

Overall, the Delta SkyMiles® Gold American Express Card is a great choice for those who frequently fly with Delta and want to maximize their travel rewards. With the combination of bonus miles, travel perks, and no foreign transaction fees, it is an attractive option for both casual and frequent travelers alike.

Overview of the Blue Cash Preferred® Card from American Express

The Blue Cash Preferred® Card from American Express offers an enticing rewards program along with a variety of benefits that cater to everyday spending. With an introductory $0 annual fee for the first year, this card allows users to earn impressive cash back on common purchase categories, making it an appealing choice for families and frequent shoppers alike. Additionally, the card features a range of flexible payment options, ensuring that cardholders can manage larger purchases with ease.

Pros

• Earn a $250 statement credit after spending $3,000 in eligible purchases within the first 6 months.
• $0 intro annual fee for the first year, then $95 thereafter.
• Buy Now, Pay Later option with $0 intro plan fees for the first 12 months using Plan It®.
• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back at U.S. gas stations.
• 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, and buses.
• 1% Cash Back on other purchases.
• Cash Back received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• $84 Disney Bundle Credit with eligible monthly spending on Disney Bundle services.
• Apply with confidence; know if you're approved without impacting your credit score.

Cons

• Annual fee of $95 after the first year may deter some users.
• Cash back rewards may be limited to specific spending categories.
• The card may not be suitable for those who do not spend heavily in the bonus categories.

Why We Like This Card

Marriott Bonvoy Bevy™ American Express® Card Overview

The Marriott Bonvoy Bevy™ American Express® Card is a compelling choice for travelers who frequently stay at Marriott properties and enjoy dining out. With an annual fee of $250, this card offers a generous rewards program that allows cardholders to earn Marriott Bonvoy points on various purchases. New cardholders can benefit from a substantial welcome bonus, making it an attractive option for both seasoned travelers and occasional vacationers. The card also provides added perks such as complimentary Gold Elite Status and the opportunity to earn Free Night Awards.

Pros

One of the standout features of the Marriott Bonvoy Bevy™ American Express® Card is the lucrative welcome offer. Cardholders can earn 155,000 Marriott Bonvoy bonus points after spending $5,000 within the first six months of card membership. This bonus can significantly boost your points balance, enabling you to redeem for hotel stays or experiences more quickly.

The rewards structure is designed to benefit frequent travelers and diners. Cardholders earn 6X Marriott Bonvoy points for every dollar spent at eligible Marriott hotels, which is an excellent way to accumulate points during hotel stays. Additionally, earning 4X points at restaurants and U.S. supermarkets (on up to $15,000 annually) allows cardholders to rack up points even when not traveling. For all other eligible purchases, cardholders earn 2X points, ensuring that everyday spending is also rewarded.

The card also offers valuable benefits like earning 1,000 Marriott Bonvoy bonus points per eligible stay booked directly with Marriott. With complimentary Gold Elite Status, cardholders can enjoy up to 2.5X points on eligible hotel purchases, enhancing the rewards earned during stays. Furthermore, the 15 Elite Night Credits awarded annually help cardholders progress toward higher levels of Marriott Bonvoy Elite status, unlocking additional perks.

Cons

While the Marriott Bonvoy Bevy™ American Express® Card offers many benefits, it also comes with some drawbacks. The annual fee of $250 is a significant consideration and may not be justified for infrequent travelers or those who do not maximize the card's rewards and benefits.

Another potential downside is the spending requirement to earn the welcome bonus. New cardholders must spend $5,000 within the first six months, which could be challenging for some individuals. Additionally, while earning 4X points at restaurants and supermarkets is attractive, the rate drops to 2X points after reaching the $15,000 limit, which may limit how much can be earned in that category each year.

Lastly, while the card offers valuable travel rewards, those who do not frequently stay at Marriott hotels may find the points less beneficial. The card's primary advantages are geared towards Marriott loyalists, which may not appeal to all consumers.

Why We Like This Card

Overview of The Business Platinum Card® from American Express

The Business Platinum Card® from American Express is a premium credit card designed for business owners who travel frequently and seek exclusive benefits. With an annual fee of $695, this card offers a range of rewards and perks that can significantly enhance the travel experience and provide valuable savings. From generous welcome offers to extensive lounge access, the Business Platinum Card® is tailored for those who prioritize comfort and rewards in their business expenditures.

Pros

One of the standout features of the Business Platinum Card® is its lucrative welcome offer. Cardholders can earn 150,000 Membership Rewards® points after spending $20,000 on eligible purchases within the first three months of membership. This significant bonus can greatly benefit frequent travelers looking to maximize their rewards.

The American Express Global Lounge Collection® is another major advantage, providing complimentary access to over 1,400 airport lounges worldwide. This access is unmatched by other credit card issuers, ensuring that travelers can enjoy a comfortable environment while waiting for flights.

In addition to lounge access, the card offers the potential to unlock over $1,000 in statement credits on select purchases during the first year. These credits cover various costs, including technology and recruiting expenses, making it easier for business owners to manage their budgets effectively.

The Business Platinum Card® also includes a $200 Airline Fee Credit, allowing cardholders to select one qualifying airline to receive reimbursements for baggage fees and other incidental costs. This benefit adds to the overall value of the card for those who frequently travel by air.

For Hilton For Business members, the card provides an additional $200 back per calendar year for eligible purchases made at Hilton properties, enhancing the card's appeal to those who prefer staying at these hotels.

Moreover, cardholders can earn 5X Membership Rewards Points® on flights and prepaid hotels booked through AmexTravel.com, and 1.5X points on eligible purchases at various U.S. suppliers, making it a great option for businesses that frequently invest in these areas.

Cons

Despite its numerous benefits, the Business Platinum Card® does come with a hefty annual fee of $695, which may not be justifiable for all business owners, particularly those who travel infrequently or do not utilize the card's premium perks.

Moreover, while the card offers various rewards on specific categories, the earning rate of 1X points on other eligible purchases may be considered less competitive compared to some other business credit cards that offer higher multipliers across a wider range of categories.

Additionally, the requirement of spending $20,000 within the first three months to earn the welcome bonus may be a challenge for some businesses, particularly smaller ones or those with lower monthly expenses. This could limit the card's accessibility for potential users.

Why We Like This Card

• Generous welcome offer that can significantly boost rewards points.
• Unmatched access to airport lounges globally, enhancing travel comfort.
• Ability to unlock substantial statement credits on select purchases in the first year.
• Yearly airline fee credit helps offset travel-related expenses.
• Additional benefits for Hilton For Business members, increasing value for hotel stays.
• High earning potential on travel-related purchases, making it ideal for frequent travelers.

Overall, the Business Platinum Card® from American Express is a powerful tool for business owners who prioritize travel rewards and exclusive benefits. While the annual fee may seem steep, the potential for substantial rewards and credits can make it a worthwhile investment for those who frequently travel for business purposes.

Marriott Bonvoy Business® American Express® Card Overview

The Marriott Bonvoy Business® American Express® Card offers a robust rewards program tailored for frequent travelers and business owners who enjoy staying at Marriott properties. With an annual fee of $125, cardholders can earn points for various purchases, enjoy exclusive offers, and enhance their travel experience through complimentary elite status. This card is ideal for those who frequently engage with the Marriott Bonvoy program, as it provides significant rewards and benefits for hotel stays and everyday spending.

Pros

One of the major advantages of the Marriott Bonvoy Business® American Express® Card is its generous welcome offer. New cardholders can earn 3 Free Night Awards after making $6,000 in eligible purchases within the first six months. Each award can be redeemed for stays at hotels participating in the Marriott Bonvoy program, with a redemption level of up to 50,000 points, potentially yielding up to 150,000 points in value.

Another noteworthy benefit is the ability to earn 6x Marriott Bonvoy points on eligible purchases at Marriott hotels. This makes the card particularly appealing for those who frequently book accommodations through Marriott. Additionally, cardholders earn 4x points on dining, gas stations, wireless services, and shipping purchases, while all other eligible purchases earn 2x points, ensuring a diverse range of earning opportunities.

The card also includes a 7% discount on eligible bookings made directly with Marriott, enhancing the overall value for cardholders who prefer to book through official channels. Furthermore, every year after the renewal month, cardholders receive a Free Night Award, with an additional award available after spending $60K in a calendar year. Another perk is the complimentary Marriott Bonvoy Gold Elite Status, which provides additional benefits during stays at Marriott properties.

Cons

Despite its appealing features, the Marriott Bonvoy Business® American Express® Card does have some drawbacks. The annual fee of $125 may deter some potential cardholders, particularly those who do not travel frequently or do not stay at Marriott hotels often enough to justify the cost. While the rewards structure is robust for certain spending categories, those who do not dine out or travel as much may find themselves earning points at a slower rate.

Additionally, the card's benefits are heavily focused on the Marriott Bonvoy program, which means that travelers loyal to other hotel chains may not find as much value. The requirement to spend $6,000 to unlock the welcome offer may also be a barrier for some, particularly small business owners or those with limited expenses. Lastly, certain hotels may charge resort fees that are not covered by the Free Night Awards, potentially leading to unexpected costs when redeeming points for stays.

Why We Like This Card

• Great welcome offer with the potential for significant rewards
• High earning rates for hotel stays and specific spending categories
• Complimentary Marriott Bonvoy Gold Elite Status enhances travel experiences
• Annual Free Night Award adds ongoing value for cardholders
• Discounts on eligible bookings provide additional savings

Overall, the Marriott Bonvoy Business® American Express® Card is an excellent choice for frequent travelers and Marriott loyalists. Its robust rewards program and valuable benefits make it a compelling option for those looking to maximize their travel experiences while enjoying the comforts of Marriott accommodations.

Delta SkyMiles® Platinum Business American Express Card Overview

The Delta SkyMiles® Platinum Business American Express Card is designed for business travelers who frequently fly with Delta Airlines. With a generous welcome offer and numerous benefits tailored to enhance your travel experience, this card aims to reward users with valuable miles and perks. The annual fee of $350 comes with various features that can significantly benefit those who travel often for work or leisure.

Pros

One of the standout features of the Delta SkyMiles® Platinum Business American Express Card is its welcome offer, which allows cardholders to earn 70,000 Bonus Miles after spending $6,000 in purchases within the first six months. This substantial mileage boost can be a great starting point for future travel plans.

Additionally, cardholders receive a Companion Certificate each year upon renewal. This allows a companion to travel with them on Delta flights, although government-imposed taxes and fees must be paid. The value of this benefit can be considerable for those who often travel with a partner or colleague.

The card also offers 1.5X miles on eligible transit and U.S. shipping purchases, as well as on single eligible purchases of $5,000 or more. This feature can be advantageous for businesses that frequently incur expenses in these categories.

For those seeking to achieve or maintain elevated Medallion Status, the Delta SkyMiles® Platinum Business Card provides MQD Headstart and MQD Boost, making it easier to earn Medallion Qualification Dollars throughout the year.

Moreover, cardholders can save 15% when using miles for Award Travel on Delta flights, enhancing the value of their SkyMiles. The card also includes a $120 Resy Credit, offering up to $10 per month in statement credits for eligible dining purchases, adding to its appeal for those who enjoy dining out.

Lastly, the card provides Zone 5 Priority Boarding on Delta flights, allowing cardholders to board early, making the travel experience more convenient.

Cons

Despite its many benefits, the Delta SkyMiles® Platinum Business American Express Card does come with an annual fee of $350. While this fee may be justified for frequent travelers, it can be seen as a drawback for occasional flyers or those who may not fully utilize the card's features.

Another consideration is that the Companion Certificate requires payment of taxes and fees, which can range from $22 to $250. While this offer is valuable, the additional costs may deter some potential users.

Additionally, the card's mileage earning structure has caps and terms that may limit the overall earning potential for some purchases. It’s essential for users to be aware of these limitations to maximize the benefits of the card.

Lastly, while the card provides various travel perks, those who do not frequently fly with Delta may not find the same level of value in the card compared to other options that offer broader travel rewards.

Why We Like This Card

• Generous welcome offer of 70,000 Bonus Miles.
• Annual Companion Certificate is a fantastic benefit for travelers.
• 1.5X miles on specific purchases can help businesses accumulate rewards quickly.
• MQD Headstart and MQD Boost facilitate achieving Medallion Status.
• Discounts on Award Travel add value to the miles earned.
• Monthly dining credits through Resy enhance the overall benefits.
• Zone 5 Priority Boarding offers a more convenient travel experience.

In summary, the Delta SkyMiles® Platinum Business American Express Card is an excellent option for business travelers who prioritize Delta flights and seek to earn rewards through their everyday spending. While the annual fee and certain limitations may be a drawback for some, the various travel perks and earning potential make it a compelling choice for frequent flyers.

Delta SkyMiles® Blue American Express Card Overview

The Delta SkyMiles® Blue American Express Card is a travel rewards credit card designed for individuals who frequently fly with Delta Airlines and enjoy dining out. With no annual fee and a variety of earning potential for miles, this card offers a solid option for both casual travelers and loyal Delta customers. Cardholders can earn bonus miles, enjoy savings on in-flight purchases, and benefit from no foreign transaction fees, making it a convenient choice for international travel as well.

Pros

One of the standout features of the Delta SkyMiles® Blue American Express Card is the opportunity to earn 10,000 bonus miles after spending $1,000 on purchases within the first six months of opening the account. This initial bonus can jump-start your travel plans, allowing you to redeem miles for flights sooner. Additionally, the card offers 2X miles per dollar spent at restaurants worldwide and for takeout and delivery in the U.S., which is particularly appealing for food enthusiasts.

Moreover, cardholders earn 2X miles for every dollar spent on Delta purchases, ensuring that loyal Delta travelers are rewarded for their spending. For all other eligible purchases, cardholders still earn 1X mile, making it a well-rounded option for everyday expenses. Another significant advantage is the Pay with Miles feature, which allows cardholders to save up to $50 off their flight costs for every 5,000 miles redeemed when booking through delta.com.

Furthermore, the Delta SkyMiles® Blue American Express Card offers a 20% savings in the form of a statement credit on eligible in-flight purchases of food, beverages, and audio headsets, enhancing the overall travel experience. The absence of foreign transaction fees is another benefit, allowing cardholders to use their card abroad without incurring additional costs.

Cons

While the Delta SkyMiles® Blue American Express Card has many advantages, it also has a few drawbacks to consider. One potential downside is the requirement to spend $1,000 in the first six months to earn the 10,000 bonus miles, which may be a challenging target for some individuals. Additionally, while the card does offer 2X miles on Delta purchases, it may not provide as many benefits for those who do not frequently fly with Delta or dine out often.

Another point to keep in mind is that while there are no foreign transaction fees, the card may not offer as many travel perks or benefits compared to premium travel cards that charge an annual fee. This may limit the card's appeal for frequent travelers seeking additional travel insurance or airport lounge access. Lastly, potential applicants should also be aware of the terms and conditions associated with the card, as they apply to the use of the card and its rewards structure.

Why We Like This Card

• No annual fee makes it accessible for a wide range of users.
• 10,000 bonus miles offer a great incentive for new cardholders.
• 2X miles on dining and Delta purchases is ideal for regular travelers.
• Pay with Miles feature provides flexibility in redeeming rewards.
• 20% savings on in-flight purchases enhances the travel experience.
• No foreign transaction fees make it a great choice for international use.

Overall, the Delta SkyMiles® Blue American Express Card is a compelling choice for those who want to earn rewards while enjoying flexible benefits without an annual fee. Whether you're a frequent flyer or simply looking to earn rewards on everyday purchases, this card has something to offer for various lifestyles.

The Platinum Card® from American Express Overview

The Platinum Card® from American Express stands out as a premium card designed for those who frequently travel and seek a luxurious experience. With an annual fee of $695, this card offers a wide array of benefits tailored to enhance travel and lifestyle. New members can earn a substantial welcome bonus by meeting the spending requirement within the first six months, along with multiple opportunities to earn Membership Rewards® Points on various purchases. The card is packed with credits for travel, entertainment, and shopping, making it an appealing option for discerning consumers.

Pros

One of the most attractive features of The Platinum Card® is the generous welcome offer. Cardholders can earn 80,000 Membership Rewards® Points after spending $8,000 on eligible purchases within the first six months. This is an excellent incentive for those who can meet the spending threshold, providing a strong start to their rewards journey.

The rewards structure is also impressive, offering 5X Membership Rewards® Points on flights booked directly with airlines or through American Express Travel, as well as prepaid hotels booked with American Express Travel. With no cap on the points earned for flights up to $500,000 per calendar year, frequent travelers can accumulate points rapidly.

Additionally, The Platinum Card® offers substantial travel credits that can offset the annual fee. Cardholders can receive up to $200 in hotel credits each year when booking through Amex Travel and up to $200 in airline fee credits by selecting a qualifying airline. These credits can significantly enhance the value of the card for regular travelers.

The access to airport lounges via the American Express Global Lounge Collection® is another noteworthy benefit, allowing members to enjoy over 1,400 lounges worldwide, including The Centurion® Lounge and Delta Sky Club®. This feature alone can transform the travel experience into a more comfortable and enjoyable one.

Cons

Despite its many advantages, The Platinum Card® comes with a steep annual fee of $695, which may not be justifiable for occasional travelers or those who won't fully utilize the benefits. For individuals who travel infrequently, the cost may outweigh the rewards and credits offered.

Some of the benefits, such as the $240 Digital Entertainment Credit and the $155 Walmart+ Credit, require enrollment and may not appeal to all cardholders. These credits can be seen as limiting for users who prefer other entertainment or shopping services.

Furthermore, the card's extensive benefits can be overwhelming, and cardholders may need to actively manage their usage to maximize value. For those who do not want to engage in the necessary planning to take full advantage of the perks, some benefits may go unused.

Why We Like This Card

• High welcome bonus of 80,000 Membership Rewards® Points.
• 5X points on travel-related purchases, enhancing rewards for frequent travelers.
• Significant travel and entertainment credits that can offset the annual fee.
• Exclusive access to airport lounges, providing comfort during travel.
• Flexible rewards that can be redeemed for various travel and lifestyle experiences.

The Platinum Card® from American Express is an excellent choice for individuals who travel often and are willing to invest in a card that delivers exceptional benefits. The combination of high rewards potential, travel credits, and exclusive access to lounges and experiences makes it a standout in the premium credit card market. While the annual fee is considerable, the value derived from its offerings can far surpass the cost for those who utilize the card's features effectively.

Delta SkyMiles® Reserve Business American Express Card Overview

The Delta SkyMiles® Reserve Business American Express Card is designed for frequent travelers who prioritize premium benefits and rewards associated with Delta Air Lines. With an annual fee of $650, this card offers a variety of features that enhance the travel experience, such as bonus miles, lounge access, and additional perks for Delta customers. This card is particularly suited for business owners and individuals who regularly fly with Delta and can take full advantage of its extensive rewards program.

Pros

One of the standout features of the Delta SkyMiles® Reserve Business American Express Card is its generous welcome offer. New cardholders can earn 80,000 Bonus Miles after spending $10,000 in purchases within the first 6 months. This provides a strong incentive for new users to quickly reap the benefits of the card.

Cardholders enjoy significant lounge access perks, including 15 visits to the Delta Sky Club® each Medallion® Year. After spending $75,000 in a calendar year, members can unlock unlimited access, making this card ideal for those who value comfort during travel.

The card also rewards users with 3 miles per dollar spent on eligible Delta purchases, enhancing the value of every flight booked. Additionally, the card features a Companion Certificate, allowing members to bring a companion on a domestic or select international round-trip flight each year after renewal, which can lead to substantial savings.

Another appealing benefit is the $240 Resy Credit, which offers up to $20 per month in statement credits for eligible dining purchases. Furthermore, users can earn up to $10 back each month on rideshare purchases, making everyday spending more rewarding.

Travelers will also appreciate the ability to check their first bag for free on Delta flights, potentially saving up to $70 per person on round-trips. Along with complimentary access to The Centurion® Lounge or Escape Lounge when purchasing Delta flights, this card adds significant value for frequent fliers.

Cons

While the Delta SkyMiles® Reserve Business American Express Card offers many benefits, the $650 annual fee is a considerable investment. Users must ensure that they can fully utilize the card's features to justify this expense.

Additionally, the requirement to spend $75,000 in a calendar year to unlock unlimited Delta Sky Club access may be daunting for some cardholders. This high spending threshold could limit the appeal of this benefit to only the most frequent travelers.

Furthermore, while the card does offer a variety of perks, not all expenses associated with flights, such as taxes and fees for the Companion Certificate, are covered. This could lead to unexpected costs for users planning to take advantage of this benefit.

Lastly, although the card has no foreign transaction fees, travelers should be aware that some benefits, such as the 15% savings on Award Travel, do not apply to partner-operated flights, which could limit the card's flexibility for international travel.

Why We Like This Card

• The welcome offer of 80,000 Bonus Miles is a strong incentive for new users.
• Generous lounge access enhances the travel experience significantly.
• 3 miles per dollar on eligible Delta purchases maximizes rewards for frequent Delta travelers.
• Annual Companion Certificate adds value for those traveling with others.
• Dining and rideshare credits make everyday spending more rewarding.
• Free first checked bag saves money on Delta flights, especially for families.
• Complimentary lounge access during Delta flights elevates the travel experience.

In summary, the Delta SkyMiles® Reserve Business American Express Card is an excellent choice for dedicated Delta fliers who can leverage its extensive benefits to maximize their travel rewards and experiences. While the annual fee may be high, the value provided through its features can easily offset this cost for frequent travelers.

The Blue Business® Plus Credit Card from American Express Overview

The Blue Business® Plus Credit Card from American Express is designed for small business owners looking for a flexible and rewarding credit card option. With no annual fee, this card offers the opportunity to earn valuable Membership Rewards® points on everyday business purchases. The card features a robust rewards structure and provides users with the ability to spend beyond their credit limit, making it an appealing choice for businesses of various sizes.

Pros

• Earn 15,000 Membership Rewards® points after spending $3,000 in eligible purchases within the first 3 months.
• No annual fee, allowing businesses to save on costs.
• Earn 2X points on everyday business purchases, such as office supplies and client dinners, on the first $50,000 spent each year.
• Ability to spend beyond your credit limit with Expanded Buying Power, providing flexibility for business needs.
• 0.0% intro APR on purchases for the first 12 months, allowing for interest-free financing during this period.

Cons

• Rewards are capped at 2X points for the first $50,000 in purchases, which may limit earning potential for larger businesses.
• After the introductory period, the APR may vary based on factors including creditworthiness.
• Expanded Buying Power does not mean unlimited spending, as it is subject to certain conditions.

Why We Like This Card

American Express® Business Gold Card Overview

The American Express® Business Gold Card is a premium business card designed to maximize rewards on high business expenses in select categories. With a $375 annual fee, it offers customizable 4X rewards on top business spending categories, a generous welcome bonus, and valuable statement credits for select business expenses. This card is ideal for businesses with high spending in dynamic categories that can take full advantage of its rewards structure.

Pros of the American Express® Business Gold Card

Generous Welcome Bonus

New cardholders can earn 100,000 Membership Rewards® Points after spending $15,000 on eligible purchases in the first 3 months. This bonus can be redeemed for travel, business expenses, or statement credits, providing substantial value.

Customizable 4X Rewards on Business Spending

This card automatically adjusts to earn 4X Membership Rewards® points on the top two eligible spending categories each month. The eligible categories include:

• U.S. gas stations
• U.S. restaurants
• U.S. purchases for advertising (online, TV, and radio)
• U.S. shipping
• U.S. technology providers, including software and cloud services
• U.S. purchases at select transit and commuting services

Key benefit:

• Earn 4X points on up to $150,000 in combined purchases per calendar year (then 1X points afterward).
• Since the top 2 categories automatically adjust each month, businesses can maximize rewards without manual selection.

Bonus Points on Travel

• 3X Membership Rewards® points on flights and prepaid hotels booked via AmexTravel.com.
• 1X point per dollar on all other eligible purchases.

Valuable Monthly Statement Credits

• Up to $20 in monthly statement credits for eligible U.S. purchases at FedEx, Grubhub, and office supply stores (up to $240 annually). Enrollment required.
• Up to $12.95 monthly statement credit for Walmart+ membership fees (covers the full membership cost when paid with the card).

Premium Metal Card Design

Cardholders can choose from three metal card designs:

• Gold
• Rose Gold
• White Gold

This adds a premium feel to an already high-value business card.

Cons of the American Express® Business Gold Card

High Annual Fee

At $375 per year, the fee is higher than many mid-tier business cards. However, for businesses that maximize the rewards structure and statement credits, the value can easily outweigh the cost.

Limited Travel Perks

Unlike some premium business cards, the Amex Business Gold Card does not offer:

• Airport lounge access
• Global Entry/TSA PreCheck fee reimbursement
• Comprehensive travel insurance benefits

Frequent travelers may want to pair this card with another travel-focused business card for enhanced travel perks.

Reward Cap on 4X Categories

• The 4X points bonus applies only to the first $150,000 in combined purchases per calendar year.
• After that, all purchases earn 1X points per dollar.
• While the cap is high, large businesses with high spending may exceed this limit.

Why We Like This Card

• Generous Welcome Bonus – 100,000 Membership Rewards® Points after qualifying purchases.
• Customizable 4X Points – Earn 4X points on the top two spending categories each month, up to $150,000 per year.
• Bonus Travel Rewards – 3X points on flights and prepaid hotels booked through AmexTravel.com.
• Valuable Monthly Credits – Up to $240 per year in FedEx, Grubhub, and office supply store credits.
• Walmart+ Membership Credit – Get up to $12.95 per month reimbursed for a Walmart+ membership.
• Premium Metal Design Options – Available in Gold, Rose Gold, or White Gold.

The American Express® Business Gold Card is a top-tier choice for business owners with high spending across multiple categories. Its adaptive rewards structure, strong travel earnings, and useful business credits make it well worth considering for those who can maximize its benefits.

Delta SkyMiles® Gold Business American Express Card Overview

The Delta SkyMiles® Gold Business American Express Card is a compelling choice for business travelers looking to maximize their rewards with Delta Airlines. With a welcoming offer of 60,000 bonus miles after meeting a spending requirement in the first six months, this card caters to those who frequently fly Delta. The card features a $0 introductory annual fee for the first year, transitioning to a $150 fee thereafter. With valuable perks that include free checked bags, priority boarding, and savings on in-flight purchases, the card enhances the travel experience for its holders.

Pros

One of the main advantages of the Delta SkyMiles® Gold Business American Express Card is the substantial welcome offer. New cardholders can earn 60,000 bonus miles after spending $4,000 within the first six months, providing a strong incentive for business expenses. Additionally, the first year comes with a $0 annual fee, which allows users to enjoy the benefits of the card without upfront costs.

The card also offers significant savings on Delta flights. Card members can save 15% on award travel booked through delta.com and the Fly Delta app, making it a valuable tool for frequent flyers. Furthermore, after spending $10,000 in purchases within a year, users receive a $200 Delta Flight Credit, which can be applied to future travel expenses.

In terms of earnings, the card provides 2 miles per dollar spent on U.S. Shipping providers and select media advertising, as well as on eligible Delta purchases and restaurant spending. This structure rewards business-related expenses effectively. Additionally, cardholders benefit from a first checked bag free and priority boarding, enhancing the overall travel experience.

Travelers will also appreciate the lack of foreign transaction fees, allowing for seamless spending while abroad. Plus, the annual statement credit of up to $150 for booking hotels or vacation rentals through Delta Stays adds further value to the card.

Cons

Despite its many advantages, the Delta SkyMiles® Gold Business American Express Card does come with a few drawbacks. After the introductory period, the annual fee of $150 may be seen as a downside for those who do not travel frequently with Delta or do not take full advantage of the card’s benefits.

Additionally, while the card offers a variety of rewards, it may not be the best fit for individuals whose spending does not align with the bonus categories. For example, those who do not spend significantly on U.S. Shipping or advertising may find themselves earning fewer rewards compared to other cards that offer more versatile earning structures.

Moreover, the requirement to spend $10,000 in a year to receive the $200 Delta Flight Credit may be a high bar for some business owners, potentially limiting the value of this benefit. Overall, while the card is beneficial for frequent Delta flyers, it may not be as appealing to occasional travelers.

Why We Like This Card

• Generous welcome offer of 60,000 bonus miles.
• $0 introductory annual fee for the first year, making it a low-risk option for new users.
• 15% savings on award travel booked with Delta, enhancing travel flexibility.
• Ability to earn 2 miles on essential business expenses, increasing reward potential.
• First checked bag free and priority boarding, which significantly enhances the travel experience.
• No foreign transaction fees, making it ideal for international business travel.

In summary, the Delta SkyMiles® Gold Business American Express Card is an excellent option for business travelers who regularly fly with Delta and want to maximize their rewards through targeted spending. With its array of benefits and introductory offers, it provides a compelling value proposition for frequent flyers.

Overview of the Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card is designed for frequent travelers who enjoy the benefits of the Hilton hotel chain. With an annual fee of $195, this card offers a variety of rewards and perks that can enhance your travel experience. Cardholders can earn significant points for hotel stays and other purchases, along with exclusive status upgrades and statement credits for Hilton purchases.

Pros

• Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
• Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
• Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
• Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio.
• Enjoy complimentary Hilton Honors™ Gold Status, which includes an 80% bonus on all Base Points earned during hotel stays.
• Opportunity to upgrade to Hilton Honors Diamond status with eligible annual spending of $40,000 or more.
• Complimentary enrollment in National Car Rental® Emerald Club Executive® status for additional travel benefits.

Cons

• Annual fee of $195 may be a consideration for some business owners.
• Terms and limitations apply to the rewards program, which may affect how points can be earned and redeemed.
• Foreign transaction fees may apply when using the card outside of the United States.

Why We Like This Card

Marriott Bonvoy Brilliant® American Express® Card Overview

The Marriott Bonvoy Brilliant® American Express® Card is designed for avid travelers and Marriott Bonvoy members who seek premium benefits coupled with luxury experiences. With an annual fee of $650, this card offers a plethora of rewards, including bonus points, dining credits, and elite status perks that enhance the travel experience. Whether you're a frequent traveler or someone looking to elevate your hotel stays, this card presents a range of advantages that could align well with your lifestyle.

Pros

One of the standout features of the Marriott Bonvoy Brilliant® American Express® Card is the generous welcome offer. New cardholders can earn 185,000 Marriott Bonvoy® bonus points after spending $6,000 within the first six months. This points boost can significantly enhance your travel plans, allowing for luxurious hotel stays or other rewards.

Additionally, the card comes with a $300 Brilliant Dining Credit, which provides statement credits for eligible restaurant purchases worldwide, offering a nice way to offset dining expenses while traveling. The card also grants you Marriott Bonvoy Platinum Elite status, which includes room upgrades and enhanced views at select properties, making your stays more enjoyable.

The rewards structure is also impressive, with 6X points on eligible purchases at Marriott hotels, 3X points at restaurants and on flights booked directly with airlines, and 2X points on all other purchases. This tiered rewards system ensures that cardholders can maximize their points across various spending categories.

Moreover, the annual Free Night Award after the card renewal month allows cardholders to enjoy a complimentary night at participating Marriott hotels, adding further value to the membership. Additional perks such as the $100 Marriott Bonvoy® Property Credit for qualifying charges, lounge access through Priority Pass™ Select, and cell phone protection make this card a comprehensive travel companion.

Cons

Despite its numerous benefits, the Marriott Bonvoy Brilliant® American Express® Card does come with a significant annual fee of $650, which may deter some potential applicants. This high fee necessitates that cardholders take full advantage of the benefits to justify the cost.

Additionally, while the card offers various travel perks, some benefits may be limited or come with specific conditions. For instance, the Free Night Award is capped at redemption levels of 85,000 points, and certain hotels may impose resort fees that could add to the overall expenses of a stay.

The eligibility requirements for some benefits, such as the Brilliant Earned Choice Award after spending $60,000, may also be a barrier for casual users who might not spend at that level. Furthermore, while there are no foreign transaction fees, international travelers should still be mindful of other potential costs associated with using the card abroad.

Why We Like This Card

• The generous welcome bonus of 185,000 Marriott Bonvoy® points offers substantial value for new cardholders.
• The $300 Brilliant Dining Credit is a great way to enjoy meals while traveling and helps offset the annual fee.
• Platinum Elite status enhances travel experiences with room upgrades and other exclusive benefits.
• The comprehensive rewards structure allows for effective point accumulation across multiple categories.
• Free Night Award offers a luxurious night at no cost, making it a valuable addition to your travel plans.
• Priority Pass™ Select access provides a comfortable travel experience with lounge visits worldwide.

Overall, the Marriott Bonvoy Brilliant® American Express® Card is a robust option for frequent travelers who can capitalize on its extensive benefits, making it a worthy consideration for those looking to enhance their travel experiences.

American Express® Gold Card Overview

The American Express® Gold Card is a premium rewards card designed for food lovers and frequent travelers. With a $325 annual fee, this card offers high rewards on dining, supermarkets, and travel purchases, along with valuable statement credits for dining, rideshares, and hotel stays. It has no foreign transaction fees, making it an excellent option for both domestic and international spending.

Pros of the American Express® Gold Card

Generous Welcome Bonus

New cardholders can earn 60,000 Membership Rewards® Points after spending $6,000 on eligible purchases within the first 6 months. This bonus can be redeemed for travel, dining, and other purchases through the Amex Membership Rewards® program.

High Rewards on Dining and Supermarkets

• 4X Membership Rewards® points per dollar spent at restaurants worldwide (on up to $50,000 per year, then 1X).
• 4X Membership Rewards® points per dollar spent at U.S. supermarkets (on up to $25,000 per year, then 1X).

These categories make the card particularly rewarding for food enthusiasts and grocery shoppers.

Bonus Points on Travel

• 3X points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
• 2X points per dollar spent on prepaid hotels and eligible purchases made through AmexTravel.com.
• 1X point per dollar spent on all other purchases.

These travel-related rewards add value for frequent flyers and those who book hotels through American Express.

Valuable Annual Credits

• $120 Uber Cash – Earn $10 in Uber Cash per month for U.S. Uber rides or Uber Eats orders when you add your Gold Card to your Uber account.
• $120 Dining Credit – Earn $10 in monthly statement credits at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys (enrollment required).
• $84 Dunkin' Credit – Earn $7 in monthly statement credits at U.S. Dunkin' locations (enrollment required).
• $100 Resy Credit – Get $100 in statement credits annually for dining at U.S. Resy restaurants or making eligible Resy purchases ($50 semi-annually, enrollment required).
• $100 Hotel Collection Credit – Receive $100 in credits toward eligible charges on two-night minimum stays at select Hotel Collection properties booked through AmexTravel.com.

No Foreign Transaction Fees

The card is a strong option for international travelers as it does not charge foreign transaction fees, allowing users to earn points on purchases worldwide without extra costs.

Cons of the American Express® Gold Card

High Annual Fee

At $325 per year, the fee may be difficult to justify for those who do not fully utilize the dining credits, Uber Cash, and hotel perks.

Rewards Caps on Key Categories

• The 4X points on U.S. supermarkets is limited to $25,000 per year, after which purchases earn 1X points.
• The 4X points on restaurants is capped at $50,000 per year, after which it drops to 1X points.
• While the caps are high, heavy spenders may hit the limits.

Limited Travel Perks

Unlike some other premium travel cards, the American Express® Gold Card does not include:

• Airport lounge access
• TSA PreCheck/Global Entry fee reimbursement
• Travel insurance protections

Frequent travelers may want to pair this card with another travel-focused card for more comprehensive benefits.

Why We Like This Card

• Strong Welcome Bonus – 60,000 Membership Rewards® Points after qualifying purchases.
• Exceptional Dining and Grocery Rewards – 4X points per dollar at restaurants worldwide and U.S. supermarkets.
• Valuable Annual Credits – Up to $424 in statement credits, including Uber Cash, dining, and hotel perks.
• Bonus Travel Rewards – 3X points on flights and 2X on prepaid hotels.
• No Foreign Transaction Fees – Great for international travel and dining abroad.

The American Express® Gold Card is an excellent choice for those who spend heavily on dining, groceries, and travel. The combination of high earning potential, valuable credits, and premium perks makes it one of the best rewards cards for food lovers and frequent travelers who can make full use of its benefits.

Hilton Honors American Express Card Overview

The Hilton Honors American Express Card is a travel rewards card designed for frequent travelers and Hilton loyalists. With no annual fee, this card offers a lucrative rewards program that allows users to earn points on everyday purchases, making it an appealing choice for those looking to maximize their travel benefits. Cardholders can earn bonus points for spending on Hilton properties, dining, and other eligible purchases, along with additional perks such as complimentary Hilton Honors Silver status.

Pros

• Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership.
• Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
• Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
• Earn 3X Points for all other eligible purchases on your Card.
• Enjoy complimentary Hilton Honors™ Silver status with your Card. Spend $20,000 on eligible purchases in a calendar year for an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
• No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
• No Annual Fee.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score.

Cons

• Requires spending $2,000 in the first 6 months to earn the initial bonus points.
• To upgrade to Gold status, cardholders need to spend $20,000 in a calendar year, which may be challenging for some.

Why We Like This Card

Overview of the Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express is an appealing option for those looking to earn cash back on everyday purchases without the burden of an annual fee. With a variety of rewards categories and additional perks, this card is designed to provide value to users who frequent supermarkets, online retailers, and gas stations. New cardholders can also take advantage of a generous introductory offer, making it a great choice for those ready to maximize their spending power.

Pros

• Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
• No Annual Fee.
• 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
• 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
• 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
• Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• Receive $7/month back in the form of a statement credit for eligible Disney Bundle subscriptions after spending $9.99 or more monthly (enrollment required).
• Up to $15 back per month for purchasing a Home Chef meal kit subscription (enrollment required).
• Apply with confidence; know if you're approved for a Card with no impact to your credit score.

Cons

• Cash back rates only apply up to $6,000 per year for certain categories; after that, the rate drops to 1%.
• Some users may find the requirement to enroll for additional benefits like the Disney Bundle and Home Chef subscription limiting.
• Cash back is only redeemable in specific forms (statement credit or Amazon.com checkout), which may not suit everyone's preferences.

Why We Like This Card

Overview of the Delta SkyMiles® Platinum American Express Card

The Delta SkyMiles® Platinum American Express Card is a premium travel rewards card tailored for frequent Delta Air Lines travelers. With an annual fee of $350, this card provides a variety of benefits that enhance the travel experience, including bonus miles, discounts on travel-related expenses, and exclusive perks. Whether you are looking to earn miles for future flights or seeking added comfort during your travels, this card offers a range of features that cater to your needs.

Pros

One of the standout features of the Delta SkyMiles® Platinum American Express Card is the opportunity to earn 60,000 bonus miles after spending $3,000 on eligible purchases within the first six months. This generous bonus can significantly jumpstart your journey toward free flights and upgrades.

Additionally, cardholders receive a Companion Certificate after renewing the card, which can be used for a round-trip flight to select destinations, requiring only the payment of government-imposed taxes and fees. This benefit alone can provide substantial savings for travelers who frequently fly with Delta.

The card also offers a $120 Resy Credit, allowing you to receive up to $10 in statement credits each month for dining at participating U.S. Resy restaurants. Coupled with a similar $120 Rideshare Credit for eligible rideshare purchases, these credits can help offset the annual fee.

Moreover, the card enables you to check your first bag free on Delta flights, potentially saving you up to $70 per person on round-trip flights. With Zone 5 Priority Boarding, you can board early and settle in without the rush, adding to your overall travel convenience.

Finally, there are no foreign transaction fees, making this card a great option for international travelers.

Cons

Despite its numerous benefits, the Delta SkyMiles® Platinum American Express Card comes with a $350 annual fee, which may deter some potential cardholders. It's crucial to ensure that the benefits you utilize will outweigh this cost.

While the card offers a variety of ways to earn miles, the earning rates for non-Delta purchases are less competitive, at only 1X miles on all other eligible purchases. This may not appeal to those who spend a significant amount on purchases outside of Delta or travel-related categories.

Additionally, the Companion Certificate comes with stipulations, as it is only valid for select destinations and requires payment of taxes and fees, which might limit its value for some users.

Lastly, while the card provides Medallion Qualification Dollars (MQD) benefits, achieving Medallion Status requires consistent spending and may not be feasible for all cardholders.

Why We Like This Card

• The generous welcome bonus of 60,000 miles is an excellent incentive for new members.
• The Companion Certificate is a unique benefit that can lead to significant savings for couples or families traveling together.
• Monthly dining and rideshare credits help offset the annual fee and enhance the card's value.
• Free first checked bag is a practical benefit that improves the travel experience.
• No foreign transaction fees make this card ideal for international travel.

In summary, the Delta SkyMiles® Platinum American Express Card is an excellent choice for frequent Delta travelers looking to maximize their travel rewards and enjoy exclusive perks. While the annual fee may be a consideration, the card's benefits can provide substantial value for those who will take full advantage of what it has to offer.

Hilton Honors American Express Surpass® Card Overview

The Hilton Honors American Express Surpass® Card is a premium travel rewards credit card designed for frequent travelers and Hilton loyalists. With a range of benefits and rewards, this card offers an excellent opportunity to earn points toward free nights at Hilton properties. The annual fee is $150, which is offset by generous rewards and statement credits that make this card a valuable addition for anyone who regularly stays at Hilton hotels.

Pros

• Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases in your first 6 months of Card Membership.
• Receive up to $50 in statement credits each quarter for purchases at Hilton properties, amounting to up to $200 annually.
• Earn 12X Hilton Honors Bonus Points for each dollar spent directly at Hilton hotels and resorts.
• Earn 6X Points at U.S. restaurants, supermarkets, and gas stations.
• Earn 4X Points on U.S. online retail purchases.
• Earn 3X Points on all other eligible purchases.
• Receive a Free Night Reward after spending $15,000 on eligible purchases in a calendar year.
• Enjoy complimentary Hilton Honors™ Gold Status, which offers additional perks at Hilton properties.
• Achieve Hilton Honors™ Diamond Status by spending $40,000 on eligible purchases in a calendar year.
• Enroll for complimentary National Car Rental® Emerald Club Executive® status.
• No foreign transaction fees, making it ideal for international travel.

Cons

• Annual fee of $150 may be considered high for infrequent travelers.
• The card may be less beneficial for those who do not frequently stay at Hilton hotels.
• Some rewards and benefits require significant spending thresholds to unlock.

Why We Like This Card

Overview of The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card is designed for small business owners looking to maximize their cash back rewards while enjoying a straightforward fee structure. One of the standout features of this card is the absence of an annual fee, making it an attractive option for businesses of all sizes. The card offers an enticing sign-up bonus, cash back on purchases, and the flexibility of Expanded Buying Power, allowing for greater purchasing freedom as your business grows.

Pros

• Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
• 0.0% intro APR on purchases for 12 months from the date of account opening.
• Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% thereafter.
• Cash back earned is automatically credited to your statement.
• Expanded Buying Power allows you to spend beyond your credit limit, adapting to your business needs.
• No annual fee, making it cost-effective for small businesses.

Cons

• Cash back rewards are capped at 2% on the first $50,000 spent annually, dropping to 1% after that.
• Some users may find the terms and conditions complex, especially regarding Expanded Buying Power.
• Limited benefits compared to premium cards with higher fees.

Why We Like This Card