Amex

American Express, American Express Company, abbreviation AMEX. Living in North America, you should hold at least two Amex credit cards. There are currently 5 categories of Amex personal credit cards: Cash Back, Membership Rewards Points, Premium Travel Gold, Platinum, Delta, Hilton, and Marriott with a higher annual fee Bonvoy Marriott co-branded credit card. The benefits of each Amex credit card are somewhat different, and the best benefits must be the local tyrant cards with high annual fees. Two Amex credit card benefits I like and recommend:

  • First and foremost is Amex Offers, which can save a lot of money.

Recommended popular Amex credit cards

Amex Blue Cash Everyday Card – Cash Back Card, No Annual Fee, Highly Recommended

Recommended reason: No annual fee, you can enjoy Amex Offers benefits, 3% cash back in grocery supermarkets, 3% cash back in mainstream department stores, it is worth holding for a long time.

  • Category: Cash Back Cash Back Cards.
  • No annual fee.
  • Sign-up bonus: $200, or $250 when American Express has a deal.
  • Cash Back on Groceries: 3%.
  • Cash back on gas: 2%.
  • Mainstream department store cash back: 2% , most other credit cards in the US are 1% back, so that’s not bad.
  • Cash back on other purchases: 1%.

Amex Blue Cash Preferred Card – Cashback card, $95 annual fee, recommended

Recommended reason: 6% cash back for grocery shopping in supermarkets, 3% cash back for mainstream department stores, and Amex Offers benefits, suitable for families who usually buy and cook more food and frequent department store customers. This card is an upgraded annual fee card of the Amex Blue Cash Everyday Card, with a higher cashback ratio. If you spend $1,500 at the grocery store every year, you can get $90 in cash back, which is almost enough to offset the annual fee. Add in some cosmetics, bags, clothes, etc. at the Department Stores, and the Blue Cash Preferred Card may be better than nothing. The annual fee Blue Cash Everyday Card is a bargain.

  • Category: Cash Back Cash Back Cards.
  • Annual fee: $95, not waived for the first year.
  • Sign-up bonus: $250, or $350 when American Express has a deal.
  • Cash Back on Groceries: 6% .
  • Cash back on gas: 3%.
  • Mainstream department store cashback: 3% , most other credit cards in the US are 1% back, so that’s not bad.
  • Cash back on other purchases: 1%.

Amex EveryDay Credit Card – Rebate card, no annual fee, long term hold

Recommended reason: No annual fee, you can enjoy Amex Offers benefits, Amex is the only Membership Rewards Points credit card with no annual fee, which can be held for a long time.

  • Category: Membership Rewards Points Rebate Card.
  • No annual fee.
  • Sign-up bonus: 25,000 Membership Rewards Points.
  • Grocery supermarket rebate: 2X.
  • Other consumption rebates: 1X.
  • After 30 swipes per month, you will receive 20% more points.

Amex Gold Card American Express Gold Card – travel rebate card, annual fee of $250, recommended for long-term holding

Recommended reason: Amex Gold Card, 50K bonus points for sign-up. Although the annual fee is $250, the annual fee of $120 for meals (you can eat a Shake Shack burger for free every month), $100 Airline Fee Credit, 4X rebates on supermarkets and meals, is much more cost-effective than the Amex EveryDay Preferred Credit Card with an annual fee of $95 , it is recommended to hold. Of course, this card can also enjoy Amex Offers benefits.

  • Category: Membership Rewards Points Rebate Card.
  • Annual fee: $250, not waived for the first year.
  • Sign-up bonus: 50,000 Membership Rewards Points.
  • Return $10 Dining Credit every month, including Grubhub, Seamless, Shake Shack (unfortunately no In-N-Out), etc.
  • $100 Airline Fee Credit can be returned every year, such as checked baggage, airport rest, etc., excluding airfare. So it’s not really useful to most people.
  • Grocery supermarket rebate: 4X .
  • Meal rebate: 4X .
  • Directly at the airline or http://AmexTravle.comBuy a ticket: 3X.
  • Other consumption rebates: 1X.
  • Click Apply to learn about the American Express Gold Card .

Amex Hilton Honors Card – Hilton Hotels Co-branded Card, No Annual Fee, Long-Term Hold

Recommended reason: Hilton hotel co-branded card with no annual fee, open the card to get 100K Hilton hotel points, the points can be used to stay in Hilton hotels, and successful application will send Hilton Silver members. You can also enjoy the benefits of Amex Offers, which can be held, suitable for students who travel frequently.

  • Category: hotel co-branded card.
  • No annual fee.
  • Sign-up bonus: 100,000 Hilton Bonus Points.
  • Hilton Hotels Spend: 7X Hilton Points.
  • Food, gas, supermarket: 5X Hilton points.
  • Other categories of spending: 3X Hilton points.

Other Amex credit cards that may be considered for application as appropriate

Amex Cash Magnet Card – Cash Back Card, No Annual Fee

1.5% cash back on all purchases, you can enjoy benefits such as Amex Offers. This is an optional Amex card. If you already have a credit card with 1.5% cashback on any purchases or more (such as Chase Freedom Unlimited), there is no need to apply for this card, the only reason to buy it It is a $250 bonus for opening the card. It is better to hold the Amex Blue Cash Everyday Card.

  • Category: Cash Back Cash Back Cards.
  • No annual fee.
  • Sign-up bonus: $200, or $250 when American Express has a deal.
  • Cashback on all purchases: 1.5%.

Amex Every Day Preferred Credit Card – Rebate card, annual fee $95

This card is an upgraded annual fee card for the Amex EveryDay Creidt Card. If you have close to 10 credit cards, then there is no need to apply for this card. The only reason to buy it is the 30K sign-up point bonus. It is better to have an Amex Gold Card (American Express Gold Card).

  • Category: Membership Rewards Points Rebate Card.
  • Annual fee: $95, not waived for the first year.
  • Sign-up bonus: 30,000 Membership Rewards Points.
  • Grocery supermarket rebate: 3X.
  • Fuel rebate: 2X
  • Other consumption rebates: 1X.
  • 30 brush strokes per month, and then send 50% points.

Hilton Honors American Express Ascend Card – $95 annual fee

Hilton hotel co-branded card, annual fee of $95, card opening to get 125K Hilton hotel points. An upgrade to the no-annual-fee Amex Hilton Honors Card.

  • Benefits Details (26): Hilton Honors American Express Ascend Card Benefits.
  • Category: Hilton Co-branded Card.
  • Annual fee: $95.
  • Sign-up bonus: 125,000 Hilton Bonus Points.
  • Hilton Hotels Spend: 12X Hilton Points.
  • Food, gas, supermarket: 6X Hilton points.
  • Other categories of spending: 3X Hilton points.

Amex Platinum Card The Platinum Card – travel rebate card, annual fee of $550, local tyrant card

The Amex Platinum Card, a more advanced upgrade to the Amex Gold American Express Gold Card, has an annual fee of $550. The annual fee is high, and of course the benefits are richer and higher-end, “worth it”!

  • Benefits Details (41): American Express the Platinum Card Benefits.
  • Category: Membership Rewards Points Rebate Card.
  • Annual fee: $550, not waived for the first year.
  • Sign-up Rewards: 60,000 Membership Rewards Points, need to spend $5,000 within 3 months.
  • Get back $100 per year when you shop with your Amex Platinum Card at Saks Fifth Avenue.
  • Send $15 Uber Credit every month, and an extra $20 in December, so a total of $200 per year, only in the United States. Do you all take an Uber once a month?
  • $200 Airline Fee Credit can be returned every year, such as checked baggage, airport rest, etc., excluding airfare. So it’s not really useful to most people.
  • Directly at the airline or http://AmexTravle.comBuy a ticket: 5X.

Hilton Honors American Express Aspire Card – Hilton hotel co-branded card, annual fee $450

Hilton hotel co-branded card, annual fee of $450, card opening to get 150K Hilton hotel points. It is a higher level card of the Amex Hilton Honors Ascend Card with an annual fee of $95.

  • Benefit details (29 items): Hilton Honors American Express Aspire Card.
  • Category: Hilton Co-branded Card.
  • Annual fee: $450.
  • Sign-up bonus: 150,000 Hilton Bonus Points.
  • Hilton Hotels Spend: 14X Hilton Points.
  • Food, gas, supermarket: 7X Hilton points.
  • Other categories of spending: 3X Hilton points.

Summary

The American Express no annual fee credit card is worth applying or holding for a long time, at least you can get a sign-up bonus. Cards with no annual fee can also be upgraded to a corresponding annual fee card. Credit cards with annual fees have their value. These cards have very good benefits. As long as they suit your consumption type, they are worth applying for. You can earn back the annual fee you pay every year, and you can also enjoy high-level treatment. If you feel that the annual fee card is not worthwhile, you can also downgrade to the corresponding no annual fee card.

Amex
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