• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
CardResearch

CardResearch

Independent Credit Card Research

  • Credit Quality
    • Best Credit Cards For No Credit
    • Best Credit Cards For Bad Credit
    • Best Credit Cards For Fair Credit
    • Best Credit Cards For Good Credit
    • Best Credit Cards For Excellent Credit
  • Card Issuer
    • Card Network
      • Best American Express Credit Cards
      • Best Mastercard Credit Cards
      • Best Visa Credit Cards
    • Global Bank
      • Best Bank of America Credit Cards
      • Best Barclays Credit Cards
      • Best Capital One Credit Cards
      • Best Chase Credit Cards
      • Best HSBC Credit Cards
      • Best KeyBank Credit Cards
      • Best PNC Credit Cards
      • Best SunTrust Credit Cards
      • Best Synchrony Bank Credit Cards
      • Best TD Bank Credit Cards
      • Best UBS Credit Cards
      • Best U.S. Bank Credit Cards
      • Best Wells Fargo Credit Cards
    • National Bank
      • Best Banco Popular de Puerto Rico Cards
      • Best Bank of Missouri Cards
      • Best Bank of the West Cards
      • Best Celtic Bank Cards
      • Best Credit One Cards
      • Best Fifth Third Bank Cards
      • Best First Progress Credit Cards
      • Best Green Dot Credit Cards
      • Best USAA Credit Cards
      • Best Sallie Mae Credit Cards
      • Best WebBank Credit Cards
      • Best Merrick Bank Credit Cards
    • Airline
      • Best Alaska Airlines Credit Cards
      • Best American Airlines Credit Cards
      • Best Asiana Airlines Credit Cards
      • Best Avianca Airlines Credit Cards
      • Best Delta Airlines Credit Cards
      • Best Hawaiian Airlines Credit Cards
      • Best JetBlue Credit Cards
      • Best Korean Air Credit Cards
      • Best LATAM Credit Cards
      • Best Southwest Airlines Credit Cards
      • Best Southwest Airlines Business Credit Cards
      • Best United Airlines Credit Cards
    • Hotel
      • Best Hilton Credit Cards
      • Best IHG Hotels & Resorts Credit Cards
      • Best Marriott Credit Cards
      • Best Radisson Credit Cards
      • Best Wyndham Hotels and Resorts Credit Cards
    • Credit Union
      • Best Navy Federal Credit Cards
      • Best PenFed Credit Cards
    • Regional Bank
      • Best BB&T Credit Cards
  • Card Category
    • Everyday Expenses
      • Best No Annual Fee Credit Cards
      • Best Cash Back Credit Cards
      • Best Gas Credit Cards
      • Best Credit Cards For Paying Bills
      • Best Credit Cards To Pay Cell Phone Bill
      • Best Store Credit Cards
      • Best Credit Cards For Groceries
      • Best Credit Cards To Use At Costco
      • Best Credit Cards For Entertainment
      • Best Credit Cards For Restaurants
      • Best Credit Cards For Mobile Wallet Use
      • Best Credit Cards For Online Shopping
    • Special Occasions
      • Best Credit Cards For Black Friday
      • Best Credit Cards For Christmas
      • Best Credit Cards For Weddings
      • Best Disney Credit Cards
      • Best Sports Credit Cards
      • Coolest Credit Cards
    • Travel
      • Best No Foreign Transaction Fee Credit Cards
      • Best Credit Cards To Book Flights
      • Best Travel Credit Cards
      • Best Travel Credit Cards With No Annual Fee
      • Best Star Alliance Credit Cards
      • Best OneWorld Alliance Credit Cards
      • Best Credit Cards For Consultants
      • Best Hotel Credit Cards
      • Best Credit Cards For Trains
      • Best Credit Cards For Cruises
    • Premium
      • Best Credit Cards For High Spenders
      • Best Premium Credit Cards
      • Most Exclusive Credit Cards
      • 6 Valuable Metal Credit Cards You Should Apply For In 2020
      • Best Priority Pass Credit Cards
      • Best Credit Cards For Global Entry
      • Best Credit Cards With Lounge Access
      • Best Visa Infinite Credit Cards
    • Benefits
      • Best Credit Cards For Cell Phone Insurance
      • Best Credit Cards For Price Protection
      • Best Credit Cards For Rental Car Insurance
      • Best Purchase Protection Credit Cards
      • Best Credit Cards For Extended Warranties
      • Best Credit Cards For Roadside Assistance
      • Best Credit Cards For Travel Insurance
      • Best Credit Cards For Emergencies
    • Business
      • Best Self Employed Credit Card
      • Best Small Business Credit Cards
      • Best Corporate Credit Cards
      • Best Business Credit Cards
      • Best Business Balance Transfer Cards
      • Best Business Credit Cards Without A Personal Guarantee
      • Best Secured Business Credit Cards
      • Best Credit Cards For Nonprofits
      • Best Credit Cards For Shipping
      • Best Credit Cards For Advertising
      • Best Charge Cards
    • Credit Building
      • Best Pre-Qualified and Pre-Approved Credit Cards
      • Best Credit Cards Without A SSN
      • Easiest Credit Cards To Get Approved For
      • Best Credit Cards After Bankruptcy
      • Best Credit Cards For Low Income Earners
      • Best First Credit Cards
      • Best Credit Cards For Young Adults
      • Best Secured Credit Cards
      • Best Credit Cards For College Graduates
    • Debt Payoff and Purchase Financing
      • Best No Interest Credit Cards
      • Best Balance Transfer Credit Cards
      • Best No Fee Balance Transfer Credit Cards
    • Special Qualifications
      • Best Credit Union Credit Cards
      • Best Military Credit Cards
      • Best Student Credit Cards
      • Best Credit Cards For International Students
  • Best Credit Cards for 2021
Ad Disclosure

Best American Express Credit Cards

Wells Fargo Propel American Express Review

Wells Fargo Propel American Express Review

Rating: 5 Stars

Bottom Line:
Rewards on Monthly Expenses

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:15.99% – 27.99% (Variable)
Intro APR (Purchases):0% for 12 months
Intro APR (Balance transfers):0% for 12 months on qualifying balance transfers
Rewards Rate:3X points on eating and out and ordering in, travel including flights, hotels, homestays and car rentals, and on gas stations, rideshares, transit and popular streaming services

1X points on other purchases
Credit Needed:(670 – 850) Excellent/Good
Annual Fee:$0
Card Brand:American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn 30,000 bonus points when you spend $3,000 in purchases in the first 3 months ? that?s a $300 cash redemption value
  • $0 annual fee and no foreign currency conversion fee
  • Earn 3X points on eating out and ordering in
  • Earn 3X points on travel including flights, hotels, homestays and car rentals
  • Earn 3X points on gas stations, rideshares and transit
  • Earn 3X points on popular streaming services
  • Earn 1X points on other purchases

Is Wells Fargo Propel American Express worth it?

Wells Fargo Propel American Express is a competitive rewards card with 3X rewards in a number of popular spending categories including monthly expenses like gas stations, transit, and popular streaming services. Rewards are 1X on all other purchases.

Pros

  • 3x rewards in a number of popular spending categories
  • 30,000 bonus points when you spend $3,000 in purchases in the first 90 days after account opening – that’s a $300 cash redemption value
  • No annual fee

Cons

  • 1x rewards rate on all other purchases is not a competitive rate

Why 4 Stars?

Regular APR


4 Stars

Intro APR


5 Stars

Fees


5 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer Fee3% for 120 days, then 5%
Cash Advance Fee5%
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Extended Warranty Program
Lost Luggage Reimbursement
Purchase Protection
Roadside Assistance
Travel Accident Insurance
Travel Assistance
Get Started with Wells Fargo Propel American Express

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Best American Express Credit Cards, Best Credit Cards, Best Credit Cards For Extended Warranties, Best Credit Cards For Good Credit, Best Credit Cards For Rental Car Insurance, Best Credit Cards For Restaurants, Best Credit Cards For Roadside Assistance, Best Credit Cards For Travel Insurance, Best Gas Credit Cards, Best No Annual Fee Credit Cards, Best No Foreign Transaction Fee Credit Cards, Best Purchase Protection Credit Cards, Best Travel Credit Cards, Best Travel Credit Cards With No Annual Fee

USAA Rewards American Express Review

Rating: 5 Stars

Bottom Line:
Dining, Gas, and Groceries Rewards For Military Families

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:11.65% – 27.65% Variable
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:3X points on dining out
2X points on gas and groceries
1X points on all other purchases
Credit Needed:(670 – 850) Excellent/Good
Annual Fee:$0
Card Brand:American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn 3X points per dollar spent on dining
  • Earn 2X points per dollar spent on gas and groceries
  • Earn 1X points for every dollar spent on all other purchases
  • Get 2,500 bonus points with your first purchase
  • Redeem points for cash, merchandise, gift cards and more.
  • USAA membership is available to active and former military and their eligible family members

Is USAA Rewards American Express worth it?

USAA Rewards American Express is a solid card for military families who spend a lot on eating out, which earns 3 points per dollar, and gas and groceries, which earn 2 points per dollar. At about one cent per dollar, this is a solid rewards rate for a no annual fee card.

Pros

  • 3X points on dining out and 2X points on gas and groceries
  • No annual fee
  • No foreign transaction fee

Cons

  • Higher than average regular APR – cardholders with poor credit could pay more than 27% annually
  • Low intro bonus
  • Groceries category does not include wholesalers, such as Costco, Sam’s Club and Walmart

Why 5 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


5 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer Fee3%
Cash Advance Fee3%
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Baggage Delay Reimbursement
Concierge Service
Extended Warranty Program
Travel Accident Insurance
Lost Luggage Reimbursement
Purchase Protection
Roadside Assistance
Travel and Emergency Assistance
Travel Accident Insurance
Trip Cancellation and Interruption
Get Started with USAA Rewards American Express

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Best American Express Credit Cards, Best Military Credit Cards, Best USAA Credit Cards

USAA Cashback Rewards Plus American Express Review

USAA? Cashback Rewards Plus American Express? Credit Card

Rating: 5 Stars

Bottom Line:
Military Base Cash Back

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:13.90% – 27.90% (Variable)
Intro APR (Purchases):N/A
Intro APR (Balance transfers):N/A
Rewards Rate:5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined

2% on your first $3,000 on supermarket purchases per year

1% unlimited cash back on all other purchases.
Credit Needed:(670 – 850) Excellent/Good
Annual Fee:$0
Card Brand:American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined
  • Earn 2% on your first $3,000 on supermarket purchases per year
  • Unlimited 1% cash back on all other purchases
  • USAA membership is available to active and former military and their eligible family members

Is USAA Cashback Rewards Plus American Express from American Express worth it?

USAA Cashback Rewards Plus American Express Card is a solid card for active-duty military families with no foreign transaction fee and 5% cash back on gas and military base purchases up to $3,000, on top of 2% cash back on supermarket purchases.

Pros

  • 5% cash back on purchases at gas stations, commissaries, exchange and shoppette locations on military bases, up to $3,000 spent annually.
  • No annual fee
  • No foreign transaction fee

Cons

  • Higher than average regular APR ? cardholders with poor credit could pay more than 27% annually

Why 5 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


5 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer Fee3%
Cash Advance Fee3%
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Concierge Service
Extended Warranty Program
Travel Accident Insurance
Lost Luggage Reimbursement
Purchase Protection
Roadside Assistance
Travel Assistance
Get Started with USAA Cashback Rewards Plus American Express

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Best American Express Credit Cards, Best Military Credit Cards, Best USAA Credit Cards

Platinum Delta SkyMiles Business Credit Card from American Express Review

Platinum Delta SkyMiles? Business from American Express

Rating: 4 Stars

Bottom Line:
Upgraded Delta Perks for Business

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

Card Details

Regular APR:17.74% – 26.74% Variable
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:2 miles per dollar spent on purchases made directly with Delta
1 mile on every eligible dollar spent on purchases
Miles don?t expire
Credit Needed:(670 – 850) Excellent/Good
Annual Fee:$195
Card Brand:American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn 5,000 Medallion Qualification Miles (MQMs) and 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months. Plus, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Check your first bag for free and save up to $60 on a round trip Delta flight.
  • Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Enjoy 20% savings on eligible in-flight purchases in the form of a statement credit with the American Express Delta Card.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases. Miles don’t expire.
  • Terms and limitations apply

Is Platinum Delta SkyMiles Business Credit Card from American Express worth it?

Platinum Delta SkyMiles Credit Card from American Express is a great travel card for people who fly Delta often. Perks include priority boarding, a free checked bag, and no foreign transaction fee.

Pros

  • 30,000 bonus miles after spending $1,000 in purchases in first 90 days of account opening
  • Two miles on every dollar spent on Delta purchases (this means Delta.com purchases and in-flight purchases on top of Delta flights)
  • Check your first bag free on Delta flights
  • Miles contribute towards Delta’s Medallion Qualification Miles (MQMs) which can get you seat upgrades and mileage bonuses
  • No foreign transaction fee

Cons

  • Other points programs – Chase Ultimate Rewards, American Express Membership Rewards, Citi ThankYou Rewards, and Marriott Bonvoy – have simpler rewards programs
  • $195 annual fee

Why 4 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


4 Stars

Perks


5 Stars

Overall


4 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer Fee3% on transaction amount or $5, whichever is greater
Cash Advance Fee3% on transaction amount or $5, whichever is greater
Penalty APR29.99% Variable

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Extended Warranty Program
Travel Accident Insurance
Lost Luggage Reimbursement
Roadside Assistance
Purchase Protection
Travel Assistance
Get Started with Platinum Delta SkyMiles Business Credit Card from American Express

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Best American Express Credit Cards, Best Business Credit Cards, Best Credit Cards For Good Credit, Best Credit Cards To Book Flights, Best Self Employed Credit Card, Best Travel Credit Cards

Gold Delta SkyMiles Business from American Express Review

Gold Delta SkyMiles? Business Credit Card from American Express

Rating: 4 Stars

Bottom Line:
Delta Perks for Business

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

Card Details

Regular APR:17.74% – 26.74% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:2 miles for every dollar spent on eligible purchases made directly with Delta

1 mile for every eligible dollar you spend on other purchases
Credit Needed:(670 – 850) Excellent/Good
Annual Fee:$0 for the first year; then $95
Card Brand:American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card in your first 3 months.
  • Earn 2 Miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Pay no foreign transaction fees when you spend overseas.
  • $0 introductory annual fee for the first year, then $95. Terms and limitations apply

Is Gold Delta SkyMiles Business from American Express worth it?

Gold Delta SkyMiles Business from American Express is a great travel card for people who fly Delta fairly often. Perks include priority boarding, a free checked bag, and no foreign transaction fee. As a sidenote, the cash advance fee is 3% on the Gold Delta SkyMiles Business card and 5% on the Gold Delta SkyMiles consumer card.

Pros

  • 30,000 bonus miles after spending $1,000 in purchases in first 90 days of account opening
  • Two miles on every dollar spent on Delta purchases (this means Delta.com purchases and in-flight purchases on top of Delta flights)
  • Check your first bag free on Delta flights
  • No foreign transaction fee

Cons

  • Other points programs – Chase Ultimate Rewards, American Express Membership Rewards, Citi ThankYou Rewards, and Marriott Bonvoy – have simpler rewards programs
  • Miles don’t contribute towards Delta?s Medallion Qualification Miles (MQMs) which can get you seat upgrades and mileage bonuses

Why 4 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


4 Stars

Perks


5 Stars

Overall


4 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer FeeNo Balance Transfers Allowed
Cash Advance Fee3% of transaction amount or $5, whichever is greater
Penalty APR29.99% Variable

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Extended Warranty Program
Travel Accident Insurance
Lost Luggage Reimbursement
Roadside Assistance
Travel Assistance
Get Started with Gold Delta SkyMiles Business Credit Card from American Express

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Best American Express Credit Cards, Best Business Credit Cards, Best Credit Cards For Extended Warranties, Best Credit Cards For Good Credit, Best Credit Cards For Rental Car Insurance, Best Credit Cards For Roadside Assistance, Best Credit Cards For Travel Insurance, Best Credit Cards To Book Flights, Best Delta Credit Cards, Best No Foreign Transaction Fee Credit Cards, Best Travel Credit Cards

Gold Delta SkyMiles Credit Card from American Express Review

Gold Delta SkyMiles

Rating: 4 Stars

Bottom Line:
Perks for Delta Flyers

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

Card Details

Regular APR:17.74%-? 26.74% Variable
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:2 miles for every dollar spent on eligible purchases made directly with Delta

1 mile for every eligible dollar you spend on other purchases
Credit Needed:(670 – 850) Excellent/Good
Annual Fee:$0 for the first year; then $95
Card Brand:American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn 30,000 Bonus Miles after you use your new Card to make $1,000 in purchases within your first 3 months and a $50 Statement Credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 miles for every dollar spent on eligible purchases made directly with Delta. Earn one mile for every eligible dollar you spend on other purchases.
  • Settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.

Is Gold Delta SkyMiles Credit Card from American Express worth it?

Gold Delta SkyMiles Credit Card from American Express is a great travel card for people who fly Delta often. Perks include priority boarding, a free checked bag, and no foreign transaction fee.

Pros

  • 30,000 bonus miles after spending $1,000 in purchases in first 90 days of account opening
  • Two miles on every dollar spent on Delta purchases (this means Delta.com purchases and in-flight purchases on top of Delta flights)
  • Check your first bag free on Delta flights
  • No foreign transaction fee

Cons

  • Other points programs – Chase Ultimate Rewards, American Express Membership Rewards, Citi ThankYou Rewards, and Marriott Bonvoy – have simpler rewards programs
  • Miles don’t contribute towards Delta’s Medallion Qualification Miles (MQMs) which can get you seat upgrades and mileage bonuses

Why 4 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


4 Stars

Perks


5 Stars

Overall


4 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer Fee3% on transaction amount or $5, whichever is greater
Cash Advance Fee3% of transaction amount or $5, whichever is greater
Penalty APR29.99% Variable

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Extended Warranty Program
Travel Accident Insurance
Roadside Assistance
Travel Assistance
Get Started with Gold Delta SkyMiles Credit Card from American Express

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Best American Express Credit Cards, Best Credit Cards For Extended Warranties, Best Credit Cards For Good Credit, Best Credit Cards For Rental Car Insurance, Best Credit Cards For Roadside Assistance, Best Credit Cards For Travel Insurance, Best Credit Cards To Book Flights, Best Delta Credit Cards, Best No Foreign Transaction Fee Credit Cards, Best Travel Credit Cards

American Express Blue Cash Preferred Review

American Express Blue Cash Preferred Credit Card

Rating: 5 Stars

Bottom Line:
Superior Cash Back on Groceries

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

Card Details

Regular APR:14.99% – 25.99% (Variable)
Intro APR (Purchases):0% for 12 months
Intro APR (Balance transfers):0% for 12 months
Rewards Rate:6% cash back at U.S. supermarkets on up to $6,000 per year, (then 1%)

6% cash back on select U.S. streaming subscriptions

3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses and more

3% cash back at U.S. gas stations

1% cash back on other purchases
Credit Needed:(670 – 850) Excellent/Good
Annual Fee:$95
Card Brand:American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn a $300 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • New 6% Cash Back on select U.S. streaming subscriptions.
  • New 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express Cards in 2018.
  • $95 annual fee.
  • Terms Apply.

Is American Express Blue Cash Preferred worth it?

Blue Cash Preferred from American Express is simply a superior card for cardholders who spend a lot on groceries and gas.

Pros

  • 6% cash back on up to $6,000 in purchases at U.S. supermarkets (then 1%) and on selected streaming subscriptions
  • 3% cash back at U.S. gas stations and on transit including taxis/rideshare, parking, tolls, trains, buses and more.

Cons

  • Travel (flights) rewards fall in 1% cash back category
  • Annual fee

Why 5 Stars?

Regular APR


4 Stars

Intro APR


5 Stars

Fees


4 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction Fee2.7%
Balance Transfer Fee3% of the transaction amount or $5, whichever is greater
Cash Advance Fee5% of the transaction amount or $10, whichever is greater
Penalty APR29.99% Variable

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Return Protection
Travel and Emergency Assistance
Get Started with American Express Blue Cash Preferred

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Best American Express Credit Cards, Best Balance Transfer Credit Cards, Best Business Balance Transfer Cards, Best Cash Back Credit Cards, Best Credit Cards For Big Purchases, Best Credit Cards For Emergencies, Best Credit Cards For Entertainment, Best Credit Cards For Good Credit, Best Credit Cards For Groceries, Best Credit Cards For Rental Car Insurance, Best Gas Credit Cards, Best No Interest Credit Cards

American Express Blue Cash Everyday Review

American Express Blue Cash Everyday Credit Card

Rating: 5 Stars

Bottom Line:
Cash Back On Groceries and 0% Intro Interest on Purchases and Balance Transfers

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

Card Details

Regular APR:14.99% – 25.99% (Variable)
Intro APR (Purchases):0% for 15 months
Intro APR (Balance transfers):0% for 15 months
Rewards Rate:3% Cash Back at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%)

2% cash back at U.S. gas stations & select U.S. department stores

1% cash back on other purchases
Credit Needed:(670 – 850) Excellent/Good
Annual Fee:$0
Card Brand:American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn a $175 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%)
  • 2% cash back at U.S. gas stations & select U.S. department stores
  • 1% cash back on other purchases
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express? Cards in 2018.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%
  • $95 annual fee.
  • Terms Apply.

Is Blue Cash Everyday from American Express worth it?

Blue Cash Everyday from American Express is a solid no annual fee card for cardholders who spend a lot on groceries and gas. With 0% Intro APR for 15 months, this is also a solid card for paying off big purchases over time.

Pros

  • 3% cash back on up to $6,000 in purchases at U.S. supermarkets, then 1%
  • 2% cash back at U.S. gas stations and select U.S. department stores, including Kohl’s, J.C. Penney, and Macy?s. In store and online purchases at these department stores receive cash back.
  • No annual fee

Cons

  • Travel (flights) rewards fall in 1% cash back category

Why 5 Stars?

Regular APR


4 Stars

Intro APR


5 Stars

Fees


4 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction Fee$0
Balance Transfer FeeEither $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee2% of the amount of each transaction
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance
Get Started with American Express Blue Cash Everyday

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Best American Express Credit Cards, Best Balance Transfer Credit Cards, Best Business Balance Transfer Cards, Best Cash Back Credit Cards, Best Credit Cards For Big Purchases, Best Credit Cards For Emergencies, Best Credit Cards For Good Credit, Best Credit Cards For Groceries, Best Credit Cards For Online Shopping, Best Credit Cards For Rental Car Insurance, Best Gas Credit Cards, Best No Annual Fee Credit Cards, Best No Interest Credit Cards, Other

American Express Plum Card Review

American Express Plum

Rating: 4 Stars

Bottom Line:
Extra 30 Days Without Interest

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

Card Details

Regular APR:None
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:None
Credit Needed:(740 – 850) Excellent
Annual Fee:$0 for the first year, then $250
Card Brand:American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Pay early, get cash back. Earn an unlimited 1.5% Early Pay Discount with the Plum Card.
  • Stay in control of your cash flow with up to 60 days to pay with no interest.
  • Power to buy big. New possibilities for your business.
  • $0 intro annual fee for the first year, then $250
  • Earn up to $600 back. To appear as three $200 credits. To be eligible to earn each statement credit, you must charge $10,000 in eligible purchase during the first 3 months of Card membership, starting from the date your account is approved
  • The Plum Card has no preset spending limit, which gives you purchasing power that can adjust with your use of the Card and other factors.
  • Get additional flexibility with Employee Plum Cards at no additional annual fee.

Is American Express Plum Card worth it?

American Express Plum Card is a great card for businesses with variable expenses or cash flow. Cardholders get an unlimited 1.5% early pay discount and up to 60 days interest free. There is no annual fee for the first year, then $250.

Just because the card doesn’t have an APR, doesn’t mean you won’t be charged for paying late. The late payment is $39 or 1.5% of the past due amount, whichever is greater. If you do not pay for two billing periods in a row, the fee is the greater of $39 or 2.99% of the past due amount.

Typically, you would only be charged up to $28 the first time you are late, as defined by the Consumer Financial Protection Bureau. Then, if you are late a second time within the next six billing cycles, you can be charged up to $39, with the late fee never surpassing the amount due. This is why credit card terms typically state “up to $39” as the late fee amount.

However, with American Express Plum the first late fee is $39 or 1.5% of the past due amount, which is a big deal if your business just made a $40,000 purchase on your card, which would be a $600 fee. This is how many American Express charge cards operate. For example, American Express Business Gold, American Express Business Platinum, and American Express? Business Green Rewards all have a late fee of the greater of $39 or 2.99% of any past due Pay in Full amount, which is all transactions not deferred.

As mentioned, American Express has a number of charge cards: American Express Business Green Rewards, American Express Business Platinum and American Express Platinum, and American Express Business Gold and American Express Gold Card. These cards offer the Pay Over Time feature, which allows you to manually or automatically select all purchases or some travel purchases, and pay a minimum payment instead of having to pay all purchases during the current billing period.

In contrast, American Express Plum offers an extra 30 days interest on any remaining balance beyond meeting your minimum payment. The minimum payment is simple: it’s 10% of the balance you are carrying, with the balance of course including any charges from the current billing period as well as any deferred charges you carried into the current billing period. As long as you meet this minimum payment, you pay no interest on remaining charges for an extra 30 days. In total, this is like getting 60 days to pay with no interest.

The flip side of this deal is that if you can pay off the balance, you will get a statement credit 1.5% bonus, which is like unlimited 1.5% cash back because you can do it every month. The challenge with this benefit is you need to pay within a short 10 day window immediately after the statement closing date to get the “early pay” refund. It’s an odd requirement.

If paying within a short window is too much to add to your schedule, you might be better off with another business card that you can pay at any time and still get a 1.5% rewards rate or better. Capital One Spark Cash Select for Business and Chase Ink Business Unlimited both earn unlimited 1.5% cash back and have no annual fee. That said, if the 60 days without interest is important to your business, The Plum Card is a great card for you.

Pros

  • No interest for 60 days
  • Unlimited 1.5% early pay discount

Cons

  • $250 annual fee starting second year
  • Must pay within 10 day window after the statement closing date if you want the discount

Why 4 Stars?

Regular APR


4 Stars

Intro APR


5 Stars

Fees


4 Stars

Perks


5 Stars. ?????

Overall


4 Stars. ????

Fees

Foreign Transaction Fee$0
Balance Transfer FeeNo Balance Transfers Allowed
Cash Advance FeeNo Cash Advances Allowed
Penalty APRN/A

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Purchase Protection
Travel and Emergency Assistance
Get Started with American Express Plum Card

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Best American Express Credit Cards, Best Charge Cards, Best Credit Cards For Excellent Credit, Best Credit Cards For Rental Car Insurance, Best No Foreign Transaction Fee Credit Cards, Best Purchase Protection Credit Cards, Other

American Express Platinum Card Review

The Platinum? Card from American Express Credit Card

Rating: 4 Stars

Bottom Line:
Perks For Frequent Travelers

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

Card Details

Regular APR:Not Stated In Terms and Conditions
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:5 Membership Rewards points per dollar on flights booked directly with airlines or with American Express Travel

5 Membership Rewards points per dollar on prepaid hotels booked on amextravel.com
Credit Needed:(670 – 850) Excellent/Good
Annual Fee:$550
Card Brand:American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn 60,000 Membership Rewards points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world. Receive access to The Centurion Lounge and The International American Express lounges, as well as our partner networks, Delta Sky Club and Priority Pass Select lounges.
  • Receive either a $100 statement credit for Global Entry or an $85 credit for TSA Pre
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card. Enrollment required.
  • $550 annual fee.
  • Terms Apply.

Is American Express Platinum Card worth it?

American Express Platinum is a great card for frequent travelers. Travel booked with airlines or through Amex Travel and prepaid hotels booked through Amex Travel earn five points per dollar.

Another major benefit is access to partner lounges through Delta Sky Club and Priority Pass Select. The Centurion Lounges can be on the small side and there are a limited number of International American Express lounges, so the real value is Delta Sky Club and Priority Pass Select membership.

Pros

  • Intro bonus of 60,000 Membership Rewards points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Priority Pass Select membership offered at no additional cost – lets you visit over 1,000 airport lounges worldwide, including luxurious Centurion Lounges. Unlimited Priority Pass would cost $429.

Cons

  • Inflexible rewards requirement: American Express? Platinum will not earn rewards on bookings through third-party travel sites

Why 4 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


4 Stars

Perks


5 Stars

Overall


4 Stars

Fees

Foreign Transaction Fee$0
Balance Transfer FeeN/A
Cash Advance FeeEither 5% of transaction amount or $10, whichever is greater
Penalty APRN/A

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Concierge Service
Extended Warranty Program
Travel Accident Insurance
Lost Luggage Reimbursement
Purchase Protection
Travel Assistance
Get Started with American Express Platinum Card

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Best American Express Credit Cards, Best Charge Cards, Best Credit Cards, Best Credit Cards For Global Entry, Best Credit Cards For Good Credit, Best Credit Cards With Lounge Access, Best Metal Credit Cards, Best No Foreign Transaction Fee Credit Cards, Best Priority Pass Credit Cards, Other

American Express Gold Card Review

American Express? Gold Card

Rating: 4 Stars

Bottom Line:
Eat Out, Buy A Lot Of Groceries, And Get Travel In Return

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

Card Details

Regular APR:If you activate Pay Over Time: 17.49% to 24.49% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:4 Membership Rewards points per dollar when you dine at restaurants worldwide

4 Membership Rewards points per dollar at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X)

3 Membership Rewards points per dollar on flights booked directly with airlines or on amextravel.com
Credit Needed:(670 – 850) Excellent/Good
Annual Fee:$250
Card Brand:American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn 35,000 Membership Rewards Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards points when you dine at restaurants worldwide. Earn 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards points on flights booked directly with airlines or on amextravel.com.
  • Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth?s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • You can carry a balance with interest on eligible charges of $100 or more, giving you more control over the amount you pay. When your payment is due, you can choose to pay your Account Total New Balance, the minimum due or any amount in between, with interest
  • No Foreign Transaction Fees.
  • Annual Fee is $250.

Is American Express Gold Card worth it?

American Express Gold is a great card for cardholders who spend a lot on dining out and grocery shopping. These categories earn four points per dollar (up to $25,000 per year in purchases for supermarkets, then one point per dollar).

American Express offers the following charge cards: American Express Plum Card, American Express Business Green Rewards, American Express Business Platinum and American Express Platinum, and American Express Business Gold and American Express Gold Card. Just like for the others, If you need to carry a balance with American Express Gold, you can use American Express Pay Over Time feature, which for American Express Gold uses an APR of 17.49% to 24.49% (Variable). You essentially now have a credit card, but not all charges will get carried over into the next month. You choose between the Extended Payment Option, where charges over $100 are automatically moved into your Pay Over Time balance, Select & Pay Later, where you manually choose charges over $100 to move into your Pay Over Time balance, or Sign & Travel, where airline tickets, hotel stays, car rentals, cruises and charges in other countries are moved into your Pay Over Time balance. It’s not the simplest program but whichever choice you select, you basically now have a credit card, where you can choose to pay the full balance, the minimum payment, or anything in between. This is in contrast to what would normally happen with a charge card, where you are required to pay the full balance every month, and if you don’t, you incur a late fee even if you pay an amount that would be above what would be considered the normal minimum payment if the card were a credit card. Charge cards also don’t impact your credit, because you are not extended a credit line.

Pros

  • High four points per dollar on dining and groceries
  • Higher than average three points per dollar travel rewards, redeemable on Amex Travel, which in most cases offers competitive rates with Expedia and Orbitz

Cons

  • $250 Annual fee
  • Inflexible rewards requirements: other cards offer a similar rewards rate on all travel purchases – but unlike other cards – American Express Gold will not earn rewards on bookings through third-party travel sites

Why 4 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


4 Stars

Perks


5 Stars

Overall


4 Stars

Fees

Foreign Transaction Fee$0
Balance Transfer FeeNo Balance Transfers Allowed
Cash Advance FeeEither 5% of transaction amount or $10, whichever is greater
Penalty APRSee Terms

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Concierge Service
Extended Warranty Program
Travel Accident Insurance
Lost Luggage Reimbursement
Purchase Protection
Travel Assistance
Get Started with American Express Gold Card

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Best American Express Credit Cards, Best Charge Cards, Best Credit Cards For Extended Warranties, Best Credit Cards For Good Credit, Best Credit Cards For Groceries, Best Credit Cards For Rental Car Insurance, Best Credit Cards For Restaurants, Best Credit Cards For Travel Insurance, Best No Foreign Transaction Fee Credit Cards, Best Purchase Protection Credit Cards, Best Travel Credit Cards, Other

American Express Delta Reserve for Business Credit Card Review

American Express? Delta Reserve? for Business Credit Card

Rating: 4 Stars

Bottom Line:
Delta Sky Club Included

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

Card Details

Regular APR:17.49% – 26.49% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:2 miles per dollar spent on purchases made directly with Delta.

1 mile on every eligible dollar spent on purchases.

After 1/30/2020, earn 1.5X Miles on all eligible purchases after you make $150,000 in purchases on the Card in a calendar year
Credit Needed:(670 – 850) Excellent/Good
Annual Fee:$450, $550 if application is received on or after 1/30/2020
Card Brand:American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn 40,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.
  • Earn 15,000 Medallion Qualification Miles (MQMs) and 15,000 bonus miles after you spend $30,000 in eligible purchases on your new Card in the calendar year. Earn an additional 15,000 MQMs after you spend $60,000 in eligible purchases on the Card in a calendar year
  • Earn 2 miles per dollar spent on purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases. After 1/30/2020, earn 1.5X Miles on all eligible purchases after you make $150,000 in purchases on the Card in a calendar year
  • In-Flight Savings: Earn an additional 15,000 MQMs after you spend $60,000 in eligible purchases on the Card in a calendar year
  • Receive a Domestic First Class, Delta Comfort+ or Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card
  • Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • First Checked Bag Free: You can check your first bag for free and save up to $60 on a round-trip Delta flight
  • Pay no foreign transaction fees when you spend overseas.
  • Enter Delta Sky Club at no cost and bring up two guests for an exclusive rate of $29 per person per visit.
  • Baggage Insurance Plan: Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus)

Is American Express Delta Reserve for Business Credit Card worth it?

Delta Reserve for Business from American Express is a great travel card for people who fly Delta often and plan to earn Medallion status, which offers seat upgrades and mileage bonuses. Perks include priority boarding, a free checked bag, free Delta Sky Club access, and no foreign transaction fee.

Delta Reserve for Business from American Express rivals American Express Business Platinum, which also provides Delta Sky Club access. However, most people would be better served with American Express Business Platinum, because it offers rewards in the form of Membership Rewards points, which can be transferred at a 1:1 ratio to Delta Air Lines on top of Aer Lingus’ AerClub, Air Canada’s Aeroplan, All Nippon Airways, Asia Miles, British Airways, Etihad Airways, Hawaiian Airlines, Iberia Plua, Singapore Airlines’ KrisFlyer, Virgin Atlantic’s FlyingClub, as well as to Choice Privileges and Marriott Bonvoy hotel groups.

Pros

  • 40,000 bonus miles after spending $3,000 in purchases in first 90 days of account opening
  • Two miles on every dollar spent on Delta purchases (this means Delta.com purchases and in-flight purchases as well as Delta flights)
  • Check your first bag free on Delta flights
  • Miles contribute towards Delta’s Medallion Qualification Miles (MQMs) which can get you seat upgrades and mileage bonuses
  • No foreign transaction fee

Cons

  • Other points programs – Chase Ultimate Rewards, American Express Membership Rewards, Citi ThankYou Rewards, and Marriott Bonvoy – have simpler rewards programs
  • $450 annual fee

Why 4 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


4 Stars

Perks


5 Stars

Overall


4 Stars

Fees

Foreign Transaction Fee$0
Balance Transfer Fee3% of the transaction amount or $5, whichever is greater
Cash Advance Fee5% of the transaction amount or $10, whichever is greater
Penalty APRUp to 29.99%

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Extended Warranty Program
Travel Accident Insurance
Lost Luggage Reimbursement
Purchase Protection
Roadside Assistance
Get Started with American Express Delta Reserve for Business Credit Card

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Best American Express Credit Cards, Best Business Credit Cards, Best Credit Cards For Good Credit, Best Credit Cards For High Spenders, Best Credit Cards For Rental Car Insurance, Best Credit Cards For Roadside Assistance, Best Credit Cards For Travel Insurance, Best Credit Cards To Book Flights, Best Delta Credit Cards, Best No Foreign Transaction Fee Credit Cards, Best Purchase Protection Credit Cards, Best Travel Credit Cards, Other

American Express Blue Business Plus Credit Card Review

American Express Blue Business Plus Credit Card

Rating: 5 Stars

Bottom Line:
Starter Business Points

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:15.24% – 21.24% (Variable)
Intro APR (Purchases):0% for 12 months
Intro APR (Balance transfers):0% for 12 months
Rewards Rate:Earn 2X Membership Rewards points on everyday business purchases up to $50,000, then 1X
Credit Needed:(670 – 850) Excellent/Good
Annual Fee:$0
Card Brand:American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn 2X Membership Rewards points on everyday business purchases up to $50,000, then 1X.
  • Earn 10,000 Extra Membership Rewards points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership
  • Ability to spend above the credit limit with Expanded Buying Power
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
  • 0.0% introductory APR on purchases and balance transfers for 12 months. After that your APR will be a variable rate, currently 14.74% – 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee

Is American Express Blue Business Plus worth it?

American Express Blue Business Cash is a solid starter card for businesses with 2X Membership Rewards points on everyday business purchases up to $50,000 per calendar year, then 1X on all purchases thereafter. That means any purchase you make for your business will earn 2X points.

To earn 2X Membership Rewards points and get their face value, you must redeem them for eligible purchases, such as air, prepaid hotels, vacation packages (flight + hotel packages) or cruise reservations. Those categories cover almost everything in travel, but it’s important to note that for car reservations, non-prepaid hotels, and ticketing services, your points have half the value.

With no annual fee and a 12 month intro period on purchases and balance transfers, this may be a good card for someone starting a business who travels. This card is almost identical to American Express Blue Business Cash, except as noted it earns American Express Membership Rewards points, which have the highest value when redeemed for travel, instead of cash back.

Pros

  • 2X Membership Rewards points on everyday business purchases up to $50,000
  • Allows some spending above your credit limit
  • No annual fee

Cons

  • Lower than average ongoing travel rewards rate

Why 5 Stars?

Regular APR


4 Stars

Intro APR


5 Stars

Fees


4 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction Fee2.7%
Balance Transfer Fee3% on transaction amount or $5, whichever is greater
Cash Advance FeeNo Cash Advances Allowed
Penalty APR29.99% APR

Benefits

$0 Fraud Liability
Travel Accident Insurance
Purchase Protection
Get Started with American Express Blue Business Plus

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Best American Express Credit Cards, Best Balance Transfer Credit Cards, Best Business Balance Transfer Cards, Best Business Credit Cards, Best Credit Cards For Big Purchases, Best Credit Cards For Good Credit, Best Credit Cards For Rental Car Insurance, Best Credit Cards For Travel Insurance, Best No Annual Fee Credit Cards, Best No Interest Credit Cards, Best Purchase Protection Credit Cards, Best Small Business Credit Cards, Best Travel Credit Cards, Best Travel Credit Cards With No Annual Fee

American Express Blue Business Cash Credit Card Review

American Express? Blue Business Cash

Rating: 5 Stars

Bottom Line:
Starter Business Cash Back

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:15.24% – 21.24% (Variable)
Intro APR (Purchases):0% for 12 months
Intro APR (Balance transfers):0% for 12 months
Rewards Rate:2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%
Credit Needed:(670 – 850) Excellent/Good
Annual Fee:$0
Card Brand:American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
  • 0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 15.24%, 18.24%, or 21.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply

Is American Express Blue Business Cash worth it?

American Express Blue Business Cash is a solid starter card for businesses with 2% cash back on eligible purchases on up to $50,000 per calendar year, then 1% on all purchases thereafter. Together with no annual fee and a 12 month intro period on purchases, this may be a good card for someone starting a business.

Pros

  • 2% cash back on all eligible purchases on up to $50,000 per calendar year
  • Allows some spending above your credit limit
  • No annual fee

Cons

  • Lower than average 1% ongoing cash back rate among cash back cards

Why 5 Stars?

Regular APR


4 Stars

Intro APR


5 Stars

Fees


4 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction Fee2.7%
Balance Transfer Fee3% on transaction amount or $5, whichever is greater
Cash Advance FeeNo Cash Advances Allowed
Penalty APR29.99% APR

Benefits

$0 Fraud Liability
Travel Accident Insurance
Purchase Protection
Get Started with American Express Blue Business Cash

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Best American Express Credit Cards, Best Balance Transfer Credit Cards, Best Business Balance Transfer Cards, Best Business Credit Cards, Best Cash Back Credit Cards, Best Credit Cards For Big Purchases, Best Credit Cards For Good Credit, Best Credit Cards For Travel Insurance, Best No Annual Fee Credit Cards, Best No Interest Credit Cards, Best Purchase Protection Credit Cards, Best Small Business Credit Cards

American Express Cash Magnet Credit Card Review

American Express Cash Magnet

Rating: 5 Stars

Bottom Line:
Earn Cash Back and Pay Off Debt

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:14.99% – 25.99% (Variable)
Intro APR (Purchases):0% for 15 months
Intro APR (Balance transfers):0% for 15 months
Rewards Rate:Unlimited 1.5% cash back on your purchases
Credit Needed:(670 – 850) Excellent/Good
Annual Fee:$0
Card Brand:American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Unlimited 1.5% Cash Back on your purchases.
  • Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
  • $0 plan fees for plans set up during your first 15 months of Card Membership with Plan It, a feature that lets you split up big purchases into monthly payments with a fixed fee.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express Cards in 2018.
  • No Annual Fee.
  • Terms Apply.

Is American Express Cash Magnet Credit Card worth it?

Cash Magnet from American Express is a flexible card with a simple 1.5% cash back rate on every purchase with no spending caps, as well as 0% Intro APR on purchases and balance transfers for 15 months. The $150 statement credit intro offer is straightforward too.

Pros

  • Intro offer that is easy to qualify for – earn $150 after first $1,000 in purchases within three months of account opening
  • 0% for 15 months on purchases and balance transfers

Cons

  • Lower than average cash back rate among cash back cards

Why 5 Stars?

Regular APR


4 Stars

Intro APR


5 Stars

Fees


4 Stars

Perks


5 Stars

Overall


4 Stars

Fees

Foreign Transaction Fee2.7%
Balance Transfer Fee3% of the balance transfer amount or $5, whichever is greater
Cash Advance Fee3% of the balance transfer amount or $5, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Extended Warranty Program
Travel Accident Insurance
Purchase Protection
Roadside Assistance
Travel Assistance
Get Started with American Express Cash Magnet Credit Card

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Best American Express Credit Cards, Best Balance Transfer Credit Cards, Best Cash Back Credit Cards, Best Credit Cards For Big Purchases, Best Credit Cards For Extended Warranties, Best Credit Cards For Good Credit, Best Credit Cards For Rental Car Insurance, Best Credit Cards For Roadside Assistance, Best Credit Cards For Travel Insurance, Best No Annual Fee Credit Cards, Best No Interest Credit Cards, Best Purchase Protection Credit Cards

  • Go to page 1
  • Go to page 2
  • Go to page 3
  • Go to Next Page »

Primary Sidebar

Get Your Personalized Loan Offers in 4 Easy Steps

Subscribe to our newsletter

Our Latest Research

TD-First-Class-Visa-Signature-Credit-Card-square

TD First Class Visa Signature Review

TD Cash Credit Card

TD Cash Credit Card Review

Target REDcard MasterCard

Target REDcard MasterCard Review

Susan-G.-Komen-Cash-Rewards-Visa-Credit-Card-from-Bank-of-America-square

Susan G. Komen Cash Rewards Visa Credit Card from Bank of America? Review

SunTrust Secured Credit Card Review

About Us | Privacy Policy | Terms of Service | Copyright © 2021 CardResearch

Advertiser Disclosure: Some of the offers that appear on this website are from companies from which CardResearch receives compensation. This compensation may impact how and where offers appear on this site. The site does not review or include all companies or all available products.