American Express offers a range of premium cards with generous rewards and elite travel perks. If you travel frequently or enjoy the perks of American Express credit cards, Amex may be a good fit for you.
Each card has its own benefits, fees, and bonus structure that you should evaluate carefully. This guide explains how Amex credit cards work, how to earn and redeem points, and which perks deliver the most value.
Overview of American Express Credit Cards
Amex offers many cards suited to different spending habits and travel needs. You can choose between charge cards with no preset limit or traditional credit cards.
Most cards offer Membership Rewards or airline miles, depending on the type. The Platinum Card is for luxury travel with top-tier perks.
The Gold Card is strong for food and grocery spending. Delta SkyMiles cards are best if you fly Delta regularly.
Elite Travel Benefits to Know
Travel perks are a major draw of Amex cards. The higher the annual fee, the more premium the perks. You’ll benefit most when you actively travel or book through AmexTravel.com. These benefits can save you hundreds of dollars annually.
Airport Lounge Access
Access to airport lounges can improve your travel experience. The Platinum Card gives access to over 1,400 lounges worldwide, including Centurion, Delta Sky Club, and Priority Pass lounges.
You must enroll to activate this benefit. This perk is not available on Gold or Delta SkyMiles Gold cards.
Flight and Hotel Credits
Credits help offset travel costs. Platinum cardholders receive a $200 airline fee credit and a $200 hotel credit on select bookings.
These credits apply only when booking directly through Amex Travel. Enrollment and terms apply to activate them.
Travel Protections
Amex includes strong travel protections on most of its premium cards. Trip cancellation, delay insurance, rental car loss and damage waiver, and baggage insurance are available on Platinum and Gold.
These benefits provide peace of mind while traveling. Check your card’s guide for exact coverage details.
Membership Rewards Program
Membership Rewards is Amex’s flexible points system. You earn points when you spend, and redeem them in several ways.
Points never expire as long as your account is open. Cards like the Platinum and Gold earn these rewards.
How to Earn Points
You earn Membership Rewards faster when you spend in bonus categories. The Platinum Card gives 5x points on flights booked directly with airlines. The Gold Card earns 4x points on dining and supermarkets. The base earn rate is 1x point per dollar on other purchases.
How to Redeem Points?
You can use your Membership Rewards in many ways. Redeem for travel, statement credits, gift cards, or shop with points at checkout.
You can also transfer points to airline and hotel partners for better value. Redemption value depends on the method used.
Best Value Redemptions
Point transfers usually give the highest return. Utilize partners like Delta, British Airways, or Air Canada for premium travel options.
Transferred points may be worth 1.5 to 2 cents each. Avoid using points for statement credits or Amazon, which gives lower value.
Comparing Amex Cards Side by Side
Below is a side-by-side comparison of four top Amex options. Focus on the benefits, welcome offers, and fees. This helps you make a better choice.
The Platinum Card from American Express
This card is for serious travelers. It offers 5x points on flights and up to $400 in travel credits.
You get lounge access, elite hotel benefits, and luxury protections. Welcome bonus: 100,000 points after $8,000 in 6 months. Annual fee: $695.
American Express Gold Card
Ideal for food and grocery spending. Earn 4x points at restaurants and supermarkets, and 3x on flights.
You get dining credits and useful travel protections. Welcome bonus: 90,000 points after $6,000 in 6 months. Annual fee: $325.
Delta SkyMiles Gold American Express Card
This card is good for casual Delta travelers. You earn 2x miles on Delta, restaurants, and supermarkets. Includes 15% discount on Delta Award Travel and $200 flight credit after $10,000 spend.
Welcome bonus: 80,000 miles after $2,000 in 6 months. Annual fee: $0 for the first year, then $150.
Delta SkyMiles Platinum American Express Card
Best for loyal Delta flyers seeking status. Earn 3x miles on Delta and hotels, and 2x on restaurants and groceries.
You get priority boarding and one free checked bag. Welcome bonus: 90,000 miles after $3,000 in 6 months. Annual fee: $350.
Interest Rates and Fees
Interest rates vary by card and credit history. Amex typically charges a variable APR between 21.24% and 29.24%. Penalty APRs apply if you miss a payment.
Some cards include a 0% intro APR offer on purchases or balance transfers. Be aware of late fees, foreign transaction fees, and other charges. Always review the Rates and Fees section before applying.
How to Apply for an Amex Card?
Applying for an American Express card is fast and can be done online. Before applying, make sure you meet the card's credit and income criteria.
- Go to the official American Express website.
- Choose the card that best fits your spending habits and goals.
- Carefully review the benefits, fees, and welcome offers listed.
- Click the "Apply Now" button to begin your application.
- Fill in the secure form with your personal and financial information.
- Submit the application and wait for a quick approval decision, usually within minutes.
Contact Details and Support
It offers multiple ways to get help with your credit card account. You can call their 24/7 hotline at 1-800-528-4800 for support.
The official website, www.americanexpress.com, also provides useful tools and account access. Mailing inquiries can be sent to American Express, P.O. Box 981535, El Paso, TX 79998.
For quick answers, use the secure chat feature in your online account. Always have your card info ready when contacting support.
Final Words: Make a Smart Move with Amex Cards
American Express cards offer great value if you take full advantage of rewards and benefits. You get high point-earning rates, luxury travel perks, and useful purchase protections.
The annual fees may seem high, but the premium features justify them. Choose the card that fits your lifestyle and maximize every dollar you spend.
Disclaimers: Welcome offers are only for new applicants and are subject to change. Always read the full terms and enroll in applicable benefits before use.
