Review and compare the best American Express credit cards for your credit score here. When available, see the average and lowest credit scores approved for each credit card (a “0″ means we don’t yet have enough credit score approval data for that card.)
SimplyCash® Business Card from American Express
Great For: Cash back and savings on business expenses like office supplies.
Credit Needed: Excellent
Average Approved Score: 710
Lowest Approved Score: 625
- With no annual membership fee, it’s a smart choice for your business
- Automatic cash back - cash back is earned on eligible purchases and automatically credited to your statement
- 5% at U.S. office supply stores & on wireless telephone services purchased directly from U.S. service providers
- 3% at U.S. gas stations
- 1% on other purchases
- Up to $12,000 in purchases in each 5% and 3% category per rebate year, then 1%
- Terms and limitations apply
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| 0% | 6, 9 or 12 Months | No | No | 12.24% – 19.24%* Variable | N/A |
American Express® Gold Card
Great For: Rewards and access to a variety of exclusive Gold Card events.
Credit Needed: Excellent
Average Approved Score: 706
Lowest Approved Score: 604
- Access to Exclusive Benefits: Baggage Insurance Plan* when you travel, and shop with confidence with Extended Warranty* and Return Protection
- Use points for gift cards for dining, entertainment, and to shop over 300 of some of your favorite merchants
- Get discounts and low rates at hotels and resorts, plus a $75 hotel credit when you book through Gold Hotel Collection
- $0 introductory annual fee for the first year, then $125
- Terms and Restrictions Apply
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| N/A | N/A | N/A | N/A | N/A | Introductory annual fee of $0 for the first year, then $125 |
Gold Delta SkyMiles® Credit Card from American Express
Great For: Travel rewards and perks like free bag check and priority boarding.
Credit Needed: Excellent
Average Approved Score: 721
Lowest Approved Score: 676
- Bonus Miles: Earn 30,000 bonus miles toward Award Travel after you spend $500 on the Card within the first three months of Cardmembership.
- Earn As You Spend: Get 2X miles on Delta purchases and 1X miles for all other eligible dollars spent.
- Check your first bag free on every Delta flight - that's a savings of up to $200 per round trip for a family of four.
- Premium Travel Perks: Settle in sooner with Priority Boarding, and enjoy the skies with 20% in-flight savings to use toward meals, beverages, and movies awarded as a statement credit.
- $0 introductory annual fee for the first year, then $95.
- Terms and Restrictions Apply.
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| None | None | N/A | N/A | 15.24%– 19.24%* Variable | $0 intro annual fee for the first year, then $95 |
Starwood Preferred Guest® Credit Card from American Express
Great For: Travel rewards redeemable for free hotels and flights.
Credit Needed: Excellent
Average Approved Score: 724
Lowest Approved Score: 667
- Starpoints® bonus: earn up to 25,000 bonus points: 10,000 after your first purchase and another 15,000 after you spend $5,000 within the first 6 months of Cardmembership
- That's enough for a weekend getaway to a Category 4 Hotel like the Westin Savannah Harbor Golf Resort & Spa, or six free nights at a Category 2 Hotel
- Earn up to 5 Starpoints® for each dollar of eligible purchases at participating SPG hotels and resorts – that's 2 Starpoints for using the Card in addition to the Starpoints you earn as an SPG member. Earn 1 Starpoint for all other purchases.
- Free Hotel Nights: redeem Starpoints at over 1,100 hotels in nearly 100 countries worldwide – with no blackout dates
- Free Flights: redeem Starpoints on over 350 airlines with SPG Flights – with no blackout dates
- Get 5,000 bonus Starpoints after you transfer 20,000 Starpoints to a frequent flyer program with more than 30 airlines
- No limits on the number of Starpoints you can earn
- $0 introductory annual fee for the first year, then $65
- Terms and Restrictions apply.
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| None | None | N/A | N/A | 15.24% – 19.24%* Variable | $0 introductory annual fee for the first year, then $65 |
The Platinum Card® from American Express
Great For: Travel benefits and exclusive concierge services.
Credit Needed: Excellent
Average Approved Score: 709
Lowest Approved Score: 643
- Earn 25K Membership Rewards® points after you spend $2,000 during your first three months of Card membership
- Premium travel benefits: access over 600 lounges worldwide when you enroll in Priority Pass™Select, no foreign transaction fees
- Receive up to $200 annually in a statement credit with the airline of your choice to use towards baggage fees, flight-change fees, in-flight food and beverage purchases and more
- 24/7 Platinum Card® Concierge service for assistance with reservations, travel, gifts, and more
- Entertainment benefits: get Advance Tickets before the public and access once in a lifetime events with By Invitation Only®
- Terms and restrictions apply
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| N/A | N/A | N/A | N/A | N/A | $450 Annual Fee |
Blue Cash Everyday® Card from American Express
Great For: Easy cash back rewards with no enrollment or rotating categories.
Credit Needed: Excellent
Average Approved Score: 734
Lowest Approved Score: 686
- Earn 100 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership
- Earn Cash Back: 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Simple and Straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required.
- No annual fee, 0% intro APR on purchases for 12 months. After that, your APR will be a variable rate, currently 12.99%-21.99% with flexibility to pay over time.
- Terms and Restrictions Apply.
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| 0% | on Purchases for 12 months | N/A | N/A | 12.99% – 21.99%* Variable | $0 |
TrueEarnings® Card from Costco and American Express
Great For: Cash back rewards on gas purchases, restaurants, travel and more.
Credit Needed: Excellent
Average Approved Score: 722
Lowest Approved Score: 664
- 3% Cash back at US gas stations and on gasoline at Costco up to $4,000 per year in purchases, then 1%
- 2% cash back at US restaurants; 2% cash back on eligible travel purchases, including at Costco; 1% cash back on other purchases, including at Costco
- Terms and limitations apply; You will receive your cash back annually in the form of a reward coupon
- The Two-In-One Card: it's an American Express® Card and Costco membership card, with no annual fee for Costco members
- Cardmembership offers access to benefits such as Global Assist and Purchase Protection* *Underwritten by AMEX Assurance Company
- Terms and restrictions apply.
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| 0% | on Purchases for 6 months | N/A | N/A | 15.24%* Variable | No Annual Fee with your paid Costco Membership |
The Business Platinum Card® from American Express OPEN
Great For: Rewards and savings for business travel expenses.
Credit Needed: Excellent
Average Approved Score: 0
Lowest Approved Score: 0
- Limited Time Offer: Get 25,000 Membership Rewards® points after you spend $5,000 in the first three months of Card membership
- Enroll and select a qualifying airline to receive up to $200 annually in statement credits for incidental fees, such as checked bags and in-flight refreshments, charged by the airline
- 20% Travel Bonus when using Membership Rewards® Pay with Points
- Take advantage of 40 premium benefits to help power your business
- Complimentary access to 600+ participating airport lounges through Priority Pass™ Select
- Business Platinum Concierge is like your own assistant, ready to help you with just about anything personal or professional, 24 hours a day
- Purchasing power that can adjust as your business evolves
- Terms & Restrictions Apply*
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| N/A | N/A | N/A | N/A | N/A | $450 |
The Business Gold Rewards Card® from American Express OPEN
Great For: Rewards for business costs including advertising, gas and shipping.
Credit Needed: Excellent
Average Approved Score: 0
Lowest Approved Score: 0
- Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card in the first 3 months of Card membership.
- Earn points even faster to get more rewards for your business.
- 3X points on airfare purchased from airlines. 2X points at US gas stations.
- Up to $100,000 in each category per year, then 1 point.
- Terms and limitations apply.
- Reduce travel costs, show appreciation for employees and clients, and offset everyday expenses by using points to get something back and grow your business.
- $0 introductory annual fee for the first year, then $175
- Apply online to qualify for this offer. See offer terms for details.
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| N/A | N/A | N/A | N/A | N/A | $0 introductory annual fee for the first year, then $175 |
Starwood Preferred Guest® Business Credit Card from American Express
Great For: Travel rewards redeemable at over 1,000 hotels and resorts.
Credit Needed: Excellent
Average Approved Score: 0
Lowest Approved Score: 0
- Starpoints® bonus: Earn up to 25,000 bonus points: 10,000 after your first purchase and another 15,000 after you spend $5,000 within the first 6 months of Cardmembership
- Redeem Starpoints® at over 1,100 hotels and resorts in nearly 100 countries and for flights on more than 350 airlines with SPG Flights – all with no blackout dates
- Earn up to 5 Starpoints® for each dollar of eligible purchases charged directly with hotels and resorts participating in the Starwood Preferred Guest® program
- Earn 1 Starpoint® for each dollar of eligible purchases
- $0 introductory annual fee for the first year, then $65
- Terms and limitations apply
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| None | N/A | N/A | 15.24% – 19.24%* Variable | $0 introductory annual fee for the first year, then $65 |
Gold Delta SkyMiles® Business Credit Card from American Express
Great For: Earning travel rewards for your business expenses.
Credit Needed: Excellent
Average Approved Score: 708
Lowest Approved Score: 513
- Get 30,000 bonus miles after you spend $500 in purchases on the Card within your first 3 months of Cardmembership
- You can check your first bag for free and save up to $50 on a round-trip Delta flight
- 2x miles for each dollar spent on qualifying Delta purchases and 1x mile for each dollar spent on other eligible purchases
- Priority Boarding and 20% In-Flight Savings in the form of a statement credit on eligible purchases
- $0 introductory annual fee for the first year, then $95
- Terms & Restrictions Apply
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| None | N/A | N/A | 15.24% – 19.24%* Variable | $0 introductory annual fee for the first year, then $95 |
American Express® Premier Rewards Gold Card
Great For: Rewards for spending on categories like airfare, gas and groceries.
Credit Needed: Excellent
Average Approved Score: 737
Lowest Approved Score: 675
- Earn More: earn 25K Membership Rewards® points after you spend $2K during your first three months of Card membership; earn 15K points after you spend $30,000 within one calendar year
- Earn Fast: 3X points for flights booked with airlines, 2X points at US gas stations and US supermarkets, 1X points on other purchases. Terms and limitations apply.
- Use points for gift cards for dining, entertainment, and to shop over 300 of some of your favorite brands
- Access to Benefits: Baggage Insurance Plan* when you travel, and shop with confidence with Extended Warranty* and Return Protection.*Underwritten by Amex Assurance Company
- Book two consecutive hotel nights through American Express Travel and receive $75 back at checkout. Restrictions may apply
- $0 introductory annual fee for the first year, then $175
- Terms and Restrictions Apply
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| N/A | N/A | N/A | N/A | N/A | Introductory annual fee of $0 for the first year, then $175 |
Business Green Rewards Card from American Express OPEN
Great For: Earning rewards for business expenses.
Credit Needed: Excellent
Average Approved Score: 0
Lowest Approved Score: 0
- Receive 5,000 bonus points on your first purchase
- No pre-set spending limit* or finance charges
- Earn One Membership Rewards® point for every dollar you spend
- Redeem points for top-tier rewards including travel, merchandise, office equipment, and gift cards for you or your employees
- $0 introductory annual fee for the first year, then $95
- Terms and restrictions apply
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| N/A | N/A | N/A | N/A | N/A | $0 introductory annual fee for the first year, then $95 |
Blue Sky from American Express®
Great For: Travel rewards including airline, car rental, and hotels.
Credit Needed: Excellent
Average Approved Score: 710
Lowest Approved Score: 649
- Welcome Bonus: earn 7,500 points after you spend $1,000 within the first 3 months of Cardmembership - redeemable for a $100 statement credit.
- Flexible Ways to Earn: earn 1 point for virtually every dollar you spend on eligible purchases.
- Unlimited Travel Options: Travel with any airline, hotel, cruise, car rental and travel package - with no blackout dates.
- Flexible Bill Payments: pay your bill all at once or over time.
- No annual membership fee and 0% intro APR on purchases for the first 12 months, after that, your APR will be a variable rate, currently 17.24%- 22.24%.
- Terms and Restrictions Apply.
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| 0% | on Purchases for 12 months | N/A | N/A | 17.24% – 22.24%* Variable | $0 |
Blue Cash Preferred® Card from American Express
Great For: Easy cash back rewards with no enrollment or rotating categories.
Credit Needed: Excellent
Average Approved Score: 732
Lowest Approved Score: 680
- Earn 150 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.
- Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Simple and Straightforward: With the Blue Cash Preferred Card, you can start earning cash back. No rotating reward categories. No enrollment required.
- Terms and Restrictions Apply.
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| 0% | on Purchases for 12 months | N/A | N/A | 12.99% – 21.99%* Variable | $75 |
Credit Needed: Poor
Average Approved Score: 562
Lowest Approved Score: 500
- Get American Express Serve and you could get $50 when you use Direct Deposit. Must enroll in Direct Deposit by 9/30/13.*
- No credit check. No minimum balance. No activation fee.
- Manage your money with the prepaid card, online account, and mobile app.
- Shop online or off and get access to membership benefits like Purchase Protection.*
- Enroll in Direct Deposit to get your paycheck in your American Express Serve Account on payday.
- No need to use a check. Email money to anyone no matter where they have a bank account.
- The safety and security of American Express.
- The 24/7 customer service you expect from American Express.
- *Terms, conditions and exclusions apply
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| N/A | N/A | N/A | N/A | N/A | $0 |
