Amex which card

Access can vary by card member and which card you have. If you have one of these cards and access to Pay Over Time, you can activate at any time. But use it wisely; the program carries the same high-interest debt risks as carrying a balance on any credit card. You earn Membership Rewards points by using your card for purchases within qualifying categories that earn points. If you have multiple points-earning rewards cards with Amex, they will automatically pool into your Membership Rewards account each billing cycle.

You can use your points to cover charges on your cards in the form of statement credits, pay with them directly at checkout while shopping online, or redeem them for gift cards, but these are generally the lowest-value redemption options. One of the most valuable ways to redeem points is by booking travel through American Express Travel , typically at a rate of 1 cent per point.

Here are the transfer values of Membership Rewards points. Evaluate your own spending and credit card needs before applying to ensure you choose an option that best suits you long-term.

Your credit is going to need to be good-to-excellent to qualify for the majority of American Express cards minimum Cash back cards earn a percentage of eligible purchases back, which you can use to offset the cost of purchases think of it as a small savings on your spending.

Membership Rewards points are similarly earned on eligible purchases, but offer many more redemption options at varying redemption rates. There are many different kinds of American Express cards, designed to fit every type of budget and lifestyle. Our list of best American Express cards begins with an evaluation of popular cards across available categories — from cash back and travel to business and co-branded options.

Our picks reflect those we believe offer the most value relative to cost for a broad range of consumer types. As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships. Saving Money. Next Advisor Logo. Share Share on Social Media. Ryan Haar November 11, 13 Min Read. Editorial Independence We want to help you make more informed decisions. Some links on this page — clearly marked — may take you to a partner website and may result in us earning a referral commission.

For more information, see How We Make Money. Terms apply to American Express benefits and offers. Enrollment may be required for some American Express benefits and offers. That can translate into outstanding rewards, as long as your business spends money in those categories. If it doesn't, the steep annual fee probably isn't worth it. Our pick for: Flexible financing for businesses. Pay early and get a discount, or enjoy up to 60 days without interest.

There's a substantial annual fee, but if you're using the card for, say, big inventory purchases, the benefits could far outweigh the costs. American Express issues branded credit cards in partnership with airlines, hotels and others.

Learn more about these cards by reading the reviews linked below:. Hilton Honors American Express Card. Amazon Business American Express Card. Several banks offer credit cards that operate on the American Express payment network, but these cards are not issued by American Express itself.

You can use them anywhere that accepts AmEx, but their rewards, perks, fees and rates are dictated by the card issuer, not American Express. Those cards are not included on this page. Examples include the U. NerdWallet's credit cards team selects the best cards in each category based on overall consumer value.

Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty.

A single card is eligible to be chosen in multiple categories. Which American Express card is right for you depends largely on your credit scores. If you clear that hurdle, then the right American Express card for you will hinge on your goals, spending habits and lifestyle. Are you interested in cash back, or are you looking for travel rewards? Do you spend more on groceries, or is dining out a bigger line item in your budget? Are annual fees a nonstarter for you, or are you willing to pay one in exchange for more value?

Are you a small-business owner? AmEx has options to fit many different kinds of profiles and budgets. There are several American Express cards with no annual fee , including cash-back cards, travel rewards cards, co-branded cards offered in partnership with a brand or merchant , and small-business cards. Depending on the American Express card in question, it may earn rewards in the form of:.

Cash back generally as a statement credit. American Express Membership Rewards flexible points that can be redeemed for a variety of different things, including travel. Airline miles if the card is offered in partnership with an airline. Hotel points if the card is offered in partnership with a hotel chain. American Express cards — especially travel rewards cards — may also come with a variety of benefits, credits and perks , depending on the card.

Show summary. Our pick for Family spending: Groceries, gas, transit, streaming. Add to compare. Apply now.

Annual fee. While the five-year estimates we've included are derived from a budget similar to the average American's spending, you may earn a higher or lower return depending on your shopping habits. Skip Navigation. Follow Select. Our top picks of timely offers from our partners More details. SoFi Personal Loans. LightStream Personal Loans.

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We may receive a commission when you click on links for products from our affiliate partners. Learn More. On the American Express secure site.

Plans created after that will have a monthly plan fee up to 1. Cons 2. Was this article helpful? Share your feedback. Send feedback to the editorial team. Rate this Article. Thank You for your feedback! Something went wrong. Please try again later. Find The Best Credit Card. Trending Credit Card Reviews. Credit Card Credit Cards by Other Issuers. Designed for businesses with over a million dollars in annual sales, the offers a fairly standard set of perks those paying a could expect.

The card e The is a mid-tier premium credit card offering bonus rewards on travel and restaurants. Overall, rewards are similar to other mid-tier premium credit The , from our partner, Citi, is a good choice for anyone who wants to earn miles in the AAdvantage program and score some basic perks, like preferred Extra, Extra! It can be rough sailing to find a credit card that earns decent cash-back rewards if you just have average credit.

But members of Navy Federal Credit For those whose credit may not qualify them for a top-of-the-line rewards card, the may be a palatable alternative. The card is designed for those wit Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances.