Credit Card Info

This page contains the best publicly available credit card offers. With some of the offers shown below, we’ll earn a commission if you click through and are approved for the card. That said, if a better public offer is available, we always show the better offer even if it means no commissions for us. For additional details, see our Advertiser Disclosure. Advertiser partners include American Express, Barclays, Capital One, and CardRatings.com

Delta SkyMiles® Platinum Business Credit Card from American Express
70K miles + 5K MQMs
70K miles + 5K MQMs after $4K spend in the first 3 months. Terms and limitations apply. (Rates & Fees)
(Offer Expires 10/28/2020)

Click Here to Apply

$250 Annual Fee

FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate


Card Type: Amex Credit Card

Base
Travel
Brand
Other

Earning rate: 3X Delta ⚬ 3X purchases made directly with hotels ⚬ 1.5X on purchases of $5K or more (max 50K extra miles per year)

Big spend bonus: Spend $25,000 in purchases on the Card in a calendar year and earn 10,000 Medallion(R) Qualification Miles (MQMs); spend a total of $50,000 in eligible purchases on the Card in a calendar year and earn an additional 10,000 MQMs ⚬ Medallion Qualifying Dollar waiver (up to Platinum status) with $25K spend across one or more Delta cards (or $250K spend for Diamond status) ⚬ Terms and limitations apply.

Noteworthy perks: Domestic economy companion certificate (subject to taxes & fees) each year upon card renewal ⚬ Priority boarding ⚬ First checked bag free ⚬ Terms and Limitations Apply. (Rates & Fees)

Delta SkyMiles® Platinum Credit Card from American Express
60K miles + 5K MQMs
60K miles + 5K MQMs after $3K spend in the first 3 months. Terms apply. (Rates & Fees)
(Offer Expires 10/28/2020)

Click Here to Apply

$250 Annual Fee

FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate


Card Type: Amex Credit Card

Base
Travel
Dine
Grocery
Brand

Earning rate: 3X Delta ⚬ 3X purchases made directly with hotels ⚬ 2X restaurants ⚬ 2X US Supermarkets

Big spend bonus: Earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year ⚬ Medallion Qualifying Dollar waiver (up to Platinum status) with $25K
spend across one or more Delta cards (or $250K spend for Diamond status) ⚬ Terms apply.

Noteworthy perks: Domestic economy companion certificate (subject to taxes & fees) each year upon card renewal ⚬ Priority boarding ⚬ First checked bag free ⚬ Terms and Limitations Apply. (Rates & Fees)

Delta SkyMiles® Reserve for Business Credit Card
45K miles + 10K MQMs
45K miles + 10K MQMs after $4K spend in the first 3 months. Terms and limitations apply. (Rates & Fees)
Click Here to Apply

$550 Annual Fee

FM Mini Review: Excellent choice for frequent Delta flyers who can make use of SkyClub access and companion certificate. Also a good choice for big spenders seeking Delta elite status.


Card Type: Amex Credit Card

Base
Brand
Other

Earning rate: 3X Delta ⚬ 1.5X on all spend per calendar year after spending $150K

Big spend bonus: Earn 15K MQMs (towards elite status) after $30K spend up to four times per year ⚬ Medallion Qualifying Dollar waiver (up to Platinum status) with $25K spend across one or more Delta cards (or $250K spend for Diamond status) ⚬ After you spend $150K in a calendar year, earn 1.5X miles per dollar on eligible purchases for the rest of the year (excludes Delta purchases after you meet the $150K requirement) ⚬ Terms and limitations apply.

Noteworthy perks: Domestic economy or first class companion certificate (subject to taxes & fees) after card renewal ⚬ SkyClub access ⚬ 2 Delta SkyClub one-time guest passes ⚬ Centurion Lounge access when flying Delta ⚬ Complimentary upgrades ⚬ $100 Global Entry fee credit every 4 years (or 4.5 years for TSA Precheck) ⚬ Priority boarding ⚬ First checked bag free. Terms and limitations apply. (Rates & Fees)

See also: Delta Reserve complete guide

Delta SkyMiles® Reserve Credit Card from American Express
40K miles + 10K MQMs
40K miles + 10K MQMs after $3K spend in the first 3 months. Terms apply. (Rates & Fees)
Click Here to Apply

$550 Annual Fee

FM Mini Review: Excellent choice for frequent Delta flyers who can make use of SkyClub access and companion certificate. Also a good choice for big spenders seeking Delta elite status.


Card Type: Amex Credit Card

Base
Brand

Earning rate: 3X Delta

Big spend bonus: Earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to four times per year ⚬ Complimentary upgrades ⚬  $100 Global Entry fee credit every 4 years (or 4.5 years for TSA Precheck) ⚬ Medallion Qualifying Dollar waiver (up to Platinum status) with $25K
spend across one or more Delta cards (or $250K spend for Diamond status) ⚬ Terms apply.

Noteworthy perks: Domestic economy or first class companion certificate (subject to taxes & fees) after card renewal ⚬ SkyClub access ⚬ 2 Delta SkyClub one-time guest passes ⚬ Centurion Lounge access when flying Delta ⚬ Complimentary upgrades ⚬  $100 Global Entry fee credit every 4 years (or 4.5 years for TSA Precheck) ⚬ Priority boarding ⚬ First checked bag free. Terms and limitations apply. (Rates & Fees)

See also: Delta Reserve complete guide

Delta SkyMiles® Gold Business Credit Card from American Express
60K Miles
60K miles after $3K spend in the first 3 months. Terms apply. (Rates & Fees)
(Offer Expires 10/28/2020)

Click Here to Apply

No Annual Fee First Year, Then $99

FM Mini Review: Priority boarding and first checked bag free make this a reasonably good option for Delta flyers who do not have elite status. However, those who can make use of an annual companion certificate would do better with the Delta Platinum card.


Card Type: Amex Credit Card

Base
Dine
Brand
Other

Earning rate: 2X Delta ⚬ 2X U.S. purchases for advertising in select media ⚬ 2X U.S. shipping purchases ⚬ 2X restaurants

Big spend bonus: $100 Delta flight credit after $10K in purchases in a calendar year

Noteworthy perks: Priority boarding, and first checked bag free. Terms and limitations apply. (Rates & Fees)

Overview

The Gold DeltaSkyMiles Business Credit Card from American Express often has a compelling welcome bonus, but past the first year I don't recommend this card for most people.

After the first year those who fly Delta often will probably get more value from the Delta Platinum or Reserve card. If you do not fly Delta often, consider cards with points transferable to airlines, or those in which points can be used to pay for travel (e.g. Capital One Venture, etc.), or even cash back cards (Citi Double Cash, Discover It Miles, etc.).

Application Tips


Amex Application Tips



  • Safe to Apply: Amex is the safest bank for trying your luck at a new welcome bonus. They don’t usually issue a hard pull when denying your application. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

  • Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from getting a welcome bonus for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

  • 5/90 Rule: In general, you can get at most one credit card within 5 days and 2 within 90 days. The 5 day limit is not enforced when your applications are automatically approved. Neither rule is enforced for charge cards.

  • 5 credit card max:Amex usually won't approve applications for new credit cards if you already have 4 or more Amex credit cards or 10 or more charge cards.

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day


Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)


How to Meet Spend Requirements

In order to meet minimum spend requirements, people often look for options to increase spend in ways that result in getting their money back. These techniques are referred to as "manufacturing spend". American Express has terms in their welcome offers that exclude some manufactured spend techniques from counting towards the minimum spend requirements for the welcome bonus. For example, most new cardmember bonuses have terms like this:
Eligible purchases to meet the Threshold Amount of this offer do NOT include fees or interest charges, balance transfers, cash advances, purchase of travelers checks, purchase or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents.
That said, many techniques for meeting minimum spend are perfectly fine. Here are some techniques that are safe for meeting Amex minimum spend requirements (click each link for more information):

Related Cards (Delta SkyMiles)

Delta SkyMiles® Gold Business Credit Card from American Express
60K Miles
60K miles after $3K spend in the first 3 months. Terms apply. (Rates & Fees)
(Offer Expires 10/28/2020)

No Annual Fee First Year, Then $99

Delta SkyMiles® Gold Credit Card from American Express
50K miles
50K miles after $2K spend in the first 3 months. Terms apply. (Rates & Fees)
(Offer Expires 10/28/2020)

No Annual Fee First Year, Then $99

Delta SkyMiles® Platinum Business Credit Card from American Express
70K miles + 5K MQMs
70K miles + 5K MQMs after $4K spend in the first 3 months. Terms and limitations apply. (Rates & Fees)
(Offer Expires 10/28/2020)

$250 Annual Fee

Delta SkyMiles® Platinum Credit Card from American Express
60K miles + 5K MQMs
60K miles + 5K MQMs after $3K spend in the first 3 months. Terms apply. (Rates & Fees)
(Offer Expires 10/28/2020)

$250 Annual Fee

Delta SkyMiles® Reserve for Business Credit Card
45K miles + 10K MQMs
45K miles + 10K MQMs after $4K spend in the first 3 months. Terms and limitations apply. (Rates & Fees)

$550 Annual Fee

Delta SkyMiles® Gold Credit Card from American Express
50K miles
50K miles after $2K spend in the first 3 months. Terms apply. (Rates & Fees)
(Offer Expires 10/28/2020)

Click Here to Apply

No Annual Fee First Year, Then $99

FM Mini Review: Priority boarding, and free checked bag make this a reasonably good option for Delta flyers who do not have elite status. However, those who can make use of an annual companion certificate would do better with the Delta Platinum card.


Card Type: Amex Credit Card

Base
Dine
Grocery
Brand

Earning rate: 2X Delta ⚬ 2x restaurants worldwide ⚬ 2x US supermarkets

Big spend bonus: $100 Delta flight credit after $10K in purchases in a calendar year

Noteworthy perks: Priority boarding and first checked bag free. Terms and limitations apply. (Rates & Fees)

Overview

The Gold DeltaSkyMiles Credit Card from American Express often has a compelling welcome offer, but past the first year I don't recommend this card for most people.

After the first year those who fly Delta often will probably get more value from the Delta Platinum or Reserve card. If you do not fly Delta often, consider cards with points transferable to airlines, or those in which points can be used to pay for travel (e.g. Capital One Venture, etc.), or even cash back cards (Citi Double Cash, Discover It Miles, etc.).

Application Tips


Amex Application Tips



  • Safe to Apply: Amex is the safest bank for trying your luck at a new welcome bonus. They don’t usually issue a hard pull when denying your application. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

  • Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from getting a welcome bonus for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

  • 5/90 Rule: In general, you can get at most one credit card within 5 days and 2 within 90 days. The 5 day limit is not enforced when your applications are automatically approved. Neither rule is enforced for charge cards.

  • 5 credit card max:Amex usually won't approve applications for new credit cards if you already have 4 or more Amex credit cards or 10 or more charge cards.

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day


Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)


How to Meet Spend Requirements

In order to meet minimum spend requirements, people often look for options to increase spend in ways that result in getting their money back. These techniques are referred to as "manufacturing spend". American Express has terms in their welcome offers that exclude some manufactured spend techniques from counting towards the minimum spend requirements for the welcome bonus. For example, most new cardmember bonuses have terms like this:
Eligible purchases to meet the Threshold Amount of this offer do NOT include fees or interest charges, balance transfers, cash advances, purchase of travelers checks, purchase or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents.
That said, many techniques for meeting minimum spend are perfectly fine. Here are some techniques that are safe for meeting Amex minimum spend requirements (click each link for more information):

Related Cards (Delta SkyMiles)

Delta SkyMiles® Gold Business Credit Card from American Express
60K Miles
60K miles after $3K spend in the first 3 months. Terms apply. (Rates & Fees)
(Offer Expires 10/28/2020)

No Annual Fee First Year, Then $99

Delta SkyMiles® Gold Credit Card from American Express
50K miles
50K miles after $2K spend in the first 3 months. Terms apply. (Rates & Fees)
(Offer Expires 10/28/2020)

No Annual Fee First Year, Then $99

Delta SkyMiles® Platinum Business Credit Card from American Express
70K miles + 5K MQMs
70K miles + 5K MQMs after $4K spend in the first 3 months. Terms and limitations apply. (Rates & Fees)
(Offer Expires 10/28/2020)

$250 Annual Fee

Delta SkyMiles® Platinum Credit Card from American Express
60K miles + 5K MQMs
60K miles + 5K MQMs after $3K spend in the first 3 months. Terms apply. (Rates & Fees)
(Offer Expires 10/28/2020)

$250 Annual Fee

Delta SkyMiles® Reserve for Business Credit Card
45K miles + 10K MQMs
45K miles + 10K MQMs after $4K spend in the first 3 months. Terms and limitations apply. (Rates & Fees)

$550 Annual Fee

Delta SkyMiles® Blue Credit Card from American Express
10K miles
10K miles after $500 spend in the first 3 months. Terms apply. (Rates & Fees)
Click Here to Apply

No Annual Fee

FM Mini Review: This card offers an OK welcome offer for a no-fee card, but many/most other cards offer better return for spend.


Card Type: Amex Credit Card

Base
Dine
Brand

Earning rate: 2X restaurants worldwide ⚬ 2X Delta ⚬ 1X on all other eligible purchases

Noteworthy perks: 20% statement credit on in-flight purchases of food, beverages, and headsets Terms and limitations apply. (Rates & Fees)

Overview

The Blue Delta SkyMiles Credit Card from American Express is the only Delta card with no annual fee. It offers 2 miles per dollar at restaurants. Unfortunately, the only Delta perk this card offers is a 20% statement credit on in-flight purchases of food, beverages, and headsets. In other words it does not offer free checked bags or priority boarding.

Application Tips


Amex Application Tips



  • Safe to Apply: Amex is the safest bank for trying your luck at a new welcome bonus. They don’t usually issue a hard pull when denying your application. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

  • Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from getting a welcome bonus for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

  • 5/90 Rule: In general, you can get at most one credit card within 5 days and 2 within 90 days. The 5 day limit is not enforced when your applications are automatically approved. Neither rule is enforced for charge cards.

  • 5 credit card max:Amex usually won't approve applications for new credit cards if you already have 4 or more Amex credit cards or 10 or more charge cards.

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day


Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)


How to Meet Spend Requirements

In order to meet minimum spend requirements, people often look for options to increase spend in ways that result in getting their money back. These techniques are referred to as "manufacturing spend". American Express has terms in their welcome offers that exclude some manufactured spend techniques from counting towards the minimum spend requirements for the welcome bonus. For example, most new cardmember bonuses have terms like this:
Eligible purchases to meet the Threshold Amount of this offer do NOT include fees or interest charges, balance transfers, cash advances, purchase of travelers checks, purchase or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents.
That said, many techniques for meeting minimum spend are perfectly fine. Here are some techniques that are safe for meeting Amex minimum spend requirements (click each link for more information):

Related Cards (Delta SkyMiles)

Delta SkyMiles® Gold Business Credit Card from American Express
60K Miles
60K miles after $3K spend in the first 3 months. Terms apply. (Rates & Fees)
(Offer Expires 10/28/2020)

No Annual Fee First Year, Then $99

Delta SkyMiles® Gold Credit Card from American Express
50K miles
50K miles after $2K spend in the first 3 months. Terms apply. (Rates & Fees)
(Offer Expires 10/28/2020)

No Annual Fee First Year, Then $99

Delta SkyMiles® Platinum Business Credit Card from American Express
70K miles + 5K MQMs
70K miles + 5K MQMs after $4K spend in the first 3 months. Terms and limitations apply. (Rates & Fees)
(Offer Expires 10/28/2020)

$250 Annual Fee

Delta SkyMiles® Platinum Credit Card from American Express
60K miles + 5K MQMs
60K miles + 5K MQMs after $3K spend in the first 3 months. Terms apply. (Rates & Fees)
(Offer Expires 10/28/2020)

$250 Annual Fee

Delta SkyMiles® Reserve for Business Credit Card
45K miles + 10K MQMs
45K miles + 10K MQMs after $4K spend in the first 3 months. Terms and limitations apply. (Rates & Fees)

$550 Annual Fee

The Business Platinum Card® from American Express
75K points
75K points after $15K spend in the first 3 months Terms apply. (Rates & Fees)
Click here to learn how to apply

$595 Annual Fee

FM Mini Review: This card is absolutely loaded with high end perks. Depending upon your situation, those perks may be worth the annual fee or much more.


Card Type: Amex Charge Card

Base
Travel
Other

Earning rate: 5X flights and prepaid hotels at AmexTravel.com ⚬ 1.5X points per dollar on eligible purchases of $5000 or more (up to 1 million additional Membership Rewards points per year) ⚬ 1X elsewhere

Noteworthy perks: ⚬ Up to $200 a year in statement credits for airline incidental fees ⚬ Up to $200 a year in statement credits for Dell purchases ($100 Jan-June; $100 July-Dec) ⚬ $100 Global Entry fee reimbursement.⚬ Airport lounge benefits ⚬ Rental car elite status ⚬ Marriott Gold status ⚬ Hilton Gold status ⚬ Terms Apply. (Rates & Fees)

See also: Maximizing value from Amex Platinum Cards

Overview

The Business Platinum Card from American Express is part of American Express' line of high-end Platinum cards. As such, it shares a number of valuable benefits with other Amex Platinum cards:

  • Up to $200 a year in statement credits for airline incidental fees
  • $100 Global Entry fee reimbursement.
  • Airport lounge benefits: Priority Pass Select membership, plus free access to Delta SkyClubs, Amex Centurion Lounges, and Airspace Lounges
  • Rental car elite status. National Executive status is particularly valuable in my opinion.
  • Marriott Gold status.
  • Hilton Gold status. Free breakfast.

The Business Platinum card also has a few unique perks and traits not shared with personal Platinum cards:

  • 35% Airline Bonus: Get 35% of your points back when you redeem points through Amex Travel for either a First or Business class flight on any airline, or for any flights with your selected airline.
  • Up to $200 a year in statement credits for Dell purchases: Up to $100 credit January-June + up to $100 credit July-December
  • 1.5X points per dollar on purchases of $5000 or more
  • Amex business cards are not shown as accounts on personal credit reports. This is particularly helpful when signing up for Chase credit cards (since Chase frequently denies applications for those who have signed up for 5 or more cards in the past 24 months).

Unlike personal Platinum cards, though, the Business Platinum card does not offer 5X rewards for airfare purchases made directly with an airline.

At $595 per year, the Business Platinum card is very expensive, but if you value its many perks it can be well worth keeping.

Rewards

Amex Membership Rewards points can be incredibly valuable if you know how to use them. In general, if you use Membership Rewards points to pay for merchandise or travel, you won't get good value from your points. One exception is with the Business Platinum card where you'll get a 35% point rebate when using points to book certain flights. This gives you approximately 1.5 cents per point value, which is pretty good. Another exception is with the Business Gold Card where you'll get a 25% point rebate when using points to book certain flights. This gives you approximately 1.33 cents per point value. If you don't have either card, then your best bet is to transfer points to airline miles in order to book high value awards. More details can be found here: Amex Membership Rewards Complete Guide.

Application Tips


Amex Application Tips



  • Safe to Apply: Amex is the safest bank for trying your luck at a new welcome bonus. They don’t usually issue a hard pull when denying your application. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

  • Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from getting a welcome bonus for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

  • 5/90 Rule: In general, you can get at most one credit card within 5 days and 2 within 90 days. The 5 day limit is not enforced when your applications are automatically approved. Neither rule is enforced for charge cards.

  • 5 credit card max:Amex usually won't approve applications for new credit cards if you already have 4 or more Amex credit cards or 10 or more charge cards.

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day


Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)


How to Meet Spend Requirements

In order to meet minimum spend requirements, people often look for options to increase spend in ways that result in getting their money back. These techniques are referred to as "manufacturing spend". American Express has terms in their welcome offers that exclude some manufactured spend techniques from counting towards the minimum spend requirements for the welcome bonus. For example, most new cardmember bonuses have terms like this:
Eligible purchases to meet the Threshold Amount of this offer do NOT include fees or interest charges, balance transfers, cash advances, purchase of travelers checks, purchase or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents.
That said, many techniques for meeting minimum spend are perfectly fine. Here are some techniques that are safe for meeting Amex minimum spend requirements (click each link for more information):

Related Cards (Membership Rewards)

American Express® Gold Card
60K Points
60K after $4K spend in first 6 months. Terms apply. (Rates & Fees)

$250 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Via certain browsers you may see an offer for 35K points after $4K spend and 10% back on purchases (up to $250 back) for the first six months.

Recent better offer: This is the best we've seen

American Express® Green Card
50K Points
50K points after $2K spend in 3 months. Terms apply. See

$150 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Via certain browsers you may see an offer for 30K points plus up to $200 back for US grocery spend.

Recent better offer: This is the best we've seen

The Business Platinum Card® from American Express
75K points
75K points after $15K spend in the first 3 months Terms apply. (Rates & Fees)

$595 Annual Fee

The Amex EveryDay® Credit Card from American Express
10K points
10K after $1K spend in 3 months. Terms apply.

No Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Some find they are targeted for an offer of 20K after $2K spend in the first 3 months.

The Platinum Card® from American Express
60K points + up to $300 in statement credits
60K after $5K spend in 3 months plus 20% back as a statement credit for restaurant purchases worldwide for the first 12 months up to $300 back. Terms apply.
Click Here to Apply (this is NOT an affiliate link)

$550 Annual Fee

FM Mini Review: This card is absolutely loaded with high end perks. Depending upon your situation, those perks may be worth the annual fee or much more.


Card Type: Amex Charge Card

Base
Travel

Earning rate: 5X points for flights booked directly with airlines or with American Express Travel ⚬ 5X points for prepaid hotels booked through American Express Travel

Noteworthy perks: ⚬ $200 Airline Fee Credit. Up to $200 a year in baggage fees and more at one qualifying airline ⚬ Up to $200 for Uber rides annually. Credit and Uber VIP status for Basic Member only ⚬ Up to $100 in credits annually for purchases at Saks Fifth Avenue (up to $50 in credits semi-annually, enrollment required) ⚬ $100 Global Entry fee reimbursement ⚬ Airport lounge benefits ⚬ Rental car elite status ⚬ Marriott Gold status ⚬ Hilton HHonors Gold status ⚬ Free Gold card AUs. Terms Apply.

See also: Maximizing value from Amex Platinum Cards

Overview

The Platinum Card from American Express is a high end travel rewards charge card that is loaded with perks:

  • 5X points per dollar for flights booked directly with airlines or with American Express Travel.
  • 5X points per dollar for prepaid hotels booked with American Express Travel
  • Up to $200 a year in statement credits for airline incidental fees
  • Up to $200 per year in annual rides with Uber ($15/month, $35 in December)
  • $100 Global Entry fee reimbursement.
  • Airport lounge benefits: Priority Pass Select membership, plus free access to Delta SkyClubs, Amex Centurion Lounges, and Airspace Lounges
  • Rental car elite status. National Executive status is particularly valuable in my opinion.
  • Marriott Gold status
  • Hilton Gold status. Free breakfast.
  • .

For many, the personal Platinum card's 5X airfare bonus and Uber credits may be enough to make this card worth keeping. For the rest of the benefits, though, some would do better with the Amex Business Platinum card which includes a 35% points rebate when points are used to purchase select airfare, and 1.5 points per dollar for purchases of $5K or more.

Rewards

Amex Membership Rewards points can be incredibly valuable if you know how to use them. In general, if you use Membership Rewards points to pay for merchandise or travel, you won't get good value from your points. One exception is with the Business Platinum card where you'll get a 35% point rebate when using points to book certain flights. This gives you approximately 1.5 cents per point value, which is pretty good. Another exception is with the Business Gold Card where you'll get a 25% point rebate when using points to book certain flights. This gives you approximately 1.33 cents per point value. If you don't have either card, then your best bet is to transfer points to airline miles in order to book high value awards. More details can be found here: Amex Membership Rewards Complete Guide.

Application Tips


Amex Application Tips



  • Safe to Apply: Amex is the safest bank for trying your luck at a new welcome bonus. They don’t usually issue a hard pull when denying your application. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

  • Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from getting a welcome bonus for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

  • 5/90 Rule: In general, you can get at most one credit card within 5 days and 2 within 90 days. The 5 day limit is not enforced when your applications are automatically approved. Neither rule is enforced for charge cards.

  • 5 credit card max:Amex usually won't approve applications for new credit cards if you already have 4 or more Amex credit cards or 10 or more charge cards.

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day


Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)


How to Meet Spend Requirements

In order to meet minimum spend requirements, people often look for options to increase spend in ways that result in getting their money back. These techniques are referred to as "manufacturing spend". American Express has terms in their welcome offers that exclude some manufactured spend techniques from counting towards the minimum spend requirements for the welcome bonus. For example, most new cardmember bonuses have terms like this:
Eligible purchases to meet the Threshold Amount of this offer do NOT include fees or interest charges, balance transfers, cash advances, purchase of travelers checks, purchase or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents.
That said, many techniques for meeting minimum spend are perfectly fine. Here are some techniques that are safe for meeting Amex minimum spend requirements (click each link for more information):

Related Cards (Membership Rewards)

American Express® Gold Card
60K Points
60K after $4K spend in first 6 months. Terms apply. (Rates & Fees)

$250 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Via certain browsers you may see an offer for 35K points after $4K spend and 10% back on purchases (up to $250 back) for the first six months.

Recent better offer: This is the best we've seen

American Express® Green Card
50K Points
50K points after $2K spend in 3 months. Terms apply. See

$150 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Via certain browsers you may see an offer for 30K points plus up to $200 back for US grocery spend.

Recent better offer: This is the best we've seen

The Business Platinum Card® from American Express
75K points
75K points after $15K spend in the first 3 months Terms apply. (Rates & Fees)

$595 Annual Fee

The Amex EveryDay® Credit Card from American Express
10K points
10K after $1K spend in 3 months. Terms apply.

No Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Some find they are targeted for an offer of 20K after $2K spend in the first 3 months.

American Express® Gold Card
60K Points
60K after $4K spend in first 6 months. Terms apply. (Rates & Fees)
Click Here to Apply

$250 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Via certain browsers you may see an offer for 35K points after $4K spend and 10% back on purchases (up to $250 back) for the first six months.

Recent better offer: This is the best we've seen

FM Mini Review: This card offers an awesome return on US supermarket and worldwide dining spend, putting it at or near the top-of-class in both categories. The addition of Boxed.com makes it easy to get full value from the card's $10/month dining & entertainment credits.


Card Type: Amex Charge Card

Base
Travel
Dine
Grocery

Earning rate: 3X points for flights booked with airlines or on amextravel.com ⚬ 4x points at US Supermarkets (up to $25K in purchases, then 1x) ⚬ 4x at restaurants worldwide ⚬ 1X points on other purchases. Terms apply. (Rates & Fees)

Noteworthy perks: ⚬ Up to $100 a year in statement credits for baggage fees and more with one qualifying airline ⚬ Up to $10 in statement credits monthly with participating dining partners (Boxed.com, Shake Shack, Seamless/Grubhub, Cheesecake Factory and Ruth’s Chris Steakhouse) ⚬ $100 hotel credit on qualifying charges on stays of 2 nights or longer, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc

Rewards

Amex Membership Rewards points can be incredibly valuable if you know how to use them. In general, if you use Membership Rewards points to pay for merchandise or travel, you won't get good value from your points. One exception is with the Business Platinum card where you'll get a 35% point rebate when using points to book certain flights. This gives you approximately 1.5 cents per point value, which is pretty good. Another exception is with the Business Gold Card where you'll get a 25% point rebate when using points to book certain flights. This gives you approximately 1.33 cents per point value. If you don't have either card, then your best bet is to transfer points to airline miles in order to book high value awards. More details can be found here: Amex Membership Rewards Complete Guide.

Application Tips


Amex Application Tips



  • Safe to Apply: Amex is the safest bank for trying your luck at a new welcome bonus. They don’t usually issue a hard pull when denying your application. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

  • Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from getting a welcome bonus for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

  • 5/90 Rule: In general, you can get at most one credit card within 5 days and 2 within 90 days. The 5 day limit is not enforced when your applications are automatically approved. Neither rule is enforced for charge cards.

  • 5 credit card max:Amex usually won't approve applications for new credit cards if you already have 4 or more Amex credit cards or 10 or more charge cards.

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day


Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)


How to Meet Spend Requirements

In order to meet minimum spend requirements, people often look for options to increase spend in ways that result in getting their money back. These techniques are referred to as "manufacturing spend". American Express has terms in their welcome offers that exclude some manufactured spend techniques from counting towards the minimum spend requirements for the welcome bonus. For example, most new cardmember bonuses have terms like this:
Eligible purchases to meet the Threshold Amount of this offer do NOT include fees or interest charges, balance transfers, cash advances, purchase of travelers checks, purchase or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents.
That said, many techniques for meeting minimum spend are perfectly fine. Here are some techniques that are safe for meeting Amex minimum spend requirements (click each link for more information):

Related Cards (Membership Rewards)

American Express® Gold Card
60K Points
60K after $4K spend in first 6 months. Terms apply. (Rates & Fees)

$250 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Via certain browsers you may see an offer for 35K points after $4K spend and 10% back on purchases (up to $250 back) for the first six months.

Recent better offer: This is the best we've seen

American Express® Green Card
50K Points
50K points after $2K spend in 3 months. Terms apply. See

$150 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Via certain browsers you may see an offer for 30K points plus up to $200 back for US grocery spend.

Recent better offer: This is the best we've seen

The Business Platinum Card® from American Express
75K points
75K points after $15K spend in the first 3 months Terms apply. (Rates & Fees)

$595 Annual Fee

The Amex EveryDay® Credit Card from American Express
10K points
10K after $1K spend in 3 months. Terms apply.

No Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Some find they are targeted for an offer of 20K after $2K spend in the first 3 months.

American Express® Green Card
50K Points
50K points after $2K spend in 3 months. Terms apply. See
Click Here to Apply

$150 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Via certain browsers you may see an offer for 30K points plus up to $200 back for US grocery spend.

Recent better offer: This is the best we've seen

FM Mini Review: This card is worth considering as your go-to travel card, but only if you value its CLEAR and Lounge Buddy credits. Also note that Amex cards continue to have limited acceptance in many international destinations.


Card Type: Amex Charge Card

Base
Travel
Dine

Earning rate: ⚬ 3X on travel & transit (including flights, hotels, taxis, and rideshares) ⚬ 3X dining ⚬ 1X points on other purchases. Terms apply. See

Noteworthy perks: $100 CLEAR credit annually ⚬ $100 LoungeBuddy credit annually. Terms Apply.

Rewards

Amex Membership Rewards points can be incredibly valuable if you know how to use them. In general, if you use Membership Rewards points to pay for merchandise or travel, you won't get good value from your points. One exception is with the Business Platinum card where you'll get a 35% point rebate when using points to book certain flights. This gives you approximately 1.5 cents per point value, which is pretty good. Another exception is with the Business Gold Card where you'll get a 25% point rebate when using points to book certain flights. This gives you approximately 1.33 cents per point value. If you don't have either card, then your best bet is to transfer points to airline miles in order to book high value awards. More details can be found here: Amex Membership Rewards Complete Guide.

Application Tips


Amex Application Tips



  • Safe to Apply: Amex is the safest bank for trying your luck at a new welcome bonus. They don’t usually issue a hard pull when denying your application. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

  • Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from getting a welcome bonus for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

  • 5/90 Rule: In general, you can get at most one credit card within 5 days and 2 within 90 days. The 5 day limit is not enforced when your applications are automatically approved. Neither rule is enforced for charge cards.

  • 5 credit card max:Amex usually won't approve applications for new credit cards if you already have 4 or more Amex credit cards or 10 or more charge cards.

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day


Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)


How to Meet Spend Requirements

In order to meet minimum spend requirements, people often look for options to increase spend in ways that result in getting their money back. These techniques are referred to as "manufacturing spend". American Express has terms in their welcome offers that exclude some manufactured spend techniques from counting towards the minimum spend requirements for the welcome bonus. For example, most new cardmember bonuses have terms like this:
Eligible purchases to meet the Threshold Amount of this offer do NOT include fees or interest charges, balance transfers, cash advances, purchase of travelers checks, purchase or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents.
That said, many techniques for meeting minimum spend are perfectly fine. Here are some techniques that are safe for meeting Amex minimum spend requirements (click each link for more information):

Related Cards (Membership Rewards)

American Express® Gold Card
60K Points
60K after $4K spend in first 6 months. Terms apply. (Rates & Fees)

$250 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Via certain browsers you may see an offer for 35K points after $4K spend and 10% back on purchases (up to $250 back) for the first six months.

Recent better offer: This is the best we've seen

American Express® Green Card
50K Points
50K points after $2K spend in 3 months. Terms apply. See

$150 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Via certain browsers you may see an offer for 30K points plus up to $200 back for US grocery spend.

Recent better offer: This is the best we've seen

The Business Platinum Card® from American Express
75K points
75K points after $15K spend in the first 3 months Terms apply. (Rates & Fees)

$595 Annual Fee

The Amex EveryDay® Credit Card from American Express
10K points
10K after $1K spend in 3 months. Terms apply.

No Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Some find they are targeted for an offer of 20K after $2K spend in the first 3 months.

Business Green Rewards Card from American Express
25K points
25K points after $3K spend in first 3 months. Terms & limitations apply.
Click Here to Apply

No Annual Fee First Year, Then $95


Card Type: Amex Charge Card

Base
Travel

Earning rate: ⚬ 2X at AmexTravel.com ⚬ 1X points on other purchases. Terms apply.

Noteworthy perks: None

Rewards

Amex Membership Rewards points can be incredibly valuable if you know how to use them. In general, if you use Membership Rewards points to pay for merchandise or travel, you won't get good value from your points. One exception is with the Business Platinum card where you'll get a 35% point rebate when using points to book certain flights. This gives you approximately 1.5 cents per point value, which is pretty good. Another exception is with the Business Gold Card where you'll get a 25% point rebate when using points to book certain flights. This gives you approximately 1.33 cents per point value. If you don't have either card, then your best bet is to transfer points to airline miles in order to book high value awards. More details can be found here: Amex Membership Rewards Complete Guide.

Application Tips


Amex Application Tips



  • Safe to Apply: Amex is the safest bank for trying your luck at a new welcome bonus. They don’t usually issue a hard pull when denying your application. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

  • Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from getting a welcome bonus for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

  • 5/90 Rule: In general, you can get at most one credit card within 5 days and 2 within 90 days. The 5 day limit is not enforced when your applications are automatically approved. Neither rule is enforced for charge cards.

  • 5 credit card max:Amex usually won't approve applications for new credit cards if you already have 4 or more Amex credit cards or 10 or more charge cards.

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day


Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)


How to Meet Spend Requirements

In order to meet minimum spend requirements, people often look for options to increase spend in ways that result in getting their money back. These techniques are referred to as "manufacturing spend". American Express has terms in their welcome offers that exclude some manufactured spend techniques from counting towards the minimum spend requirements for the welcome bonus. For example, most new cardmember bonuses have terms like this:
Eligible purchases to meet the Threshold Amount of this offer do NOT include fees or interest charges, balance transfers, cash advances, purchase of travelers checks, purchase or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents.
That said, many techniques for meeting minimum spend are perfectly fine. Here are some techniques that are safe for meeting Amex minimum spend requirements (click each link for more information):

Related Cards (Membership Rewards)

American Express® Gold Card
60K Points
60K after $4K spend in first 6 months. Terms apply. (Rates & Fees)

$250 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Via certain browsers you may see an offer for 35K points after $4K spend and 10% back on purchases (up to $250 back) for the first six months.

Recent better offer: This is the best we've seen

American Express® Green Card
50K Points
50K points after $2K spend in 3 months. Terms apply. See

$150 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Via certain browsers you may see an offer for 30K points plus up to $200 back for US grocery spend.

Recent better offer: This is the best we've seen

The Business Platinum Card® from American Express
75K points
75K points after $15K spend in the first 3 months Terms apply. (Rates & Fees)

$595 Annual Fee

The Amex EveryDay® Credit Card from American Express
10K points
10K after $1K spend in 3 months. Terms apply.

No Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Some find they are targeted for an offer of 20K after $2K spend in the first 3 months.

The Platinum Card® from American Express for Ameriprise Financial

FM Mini Review: First year with no fee makes this card worth considering for almost everyone.


Card Type: Amex Charge Card

Base
Travel

Earning rate: ⚬ 5X points for flights booked directly with airlines or with American Express Travel ⚬ 5X points for prepaid hotels booked with American Express Travel

Big spend bonus: 5K bonus points for every $20K spend, up to 30K bonus points annually

Noteworthy perks: This card includes all of the great perks that come with the American Express Platinum Card, plus a few perks specific to this Ameriprise branded version.

See also: Which is the best Amex Platinum card?

Rewards

Amex Membership Rewards points can be incredibly valuable if you know how to use them. In general, if you use Membership Rewards points to pay for merchandise or travel, you won't get good value from your points. One exception is with the Business Platinum card where you'll get a 35% point rebate when using points to book certain flights. This gives you approximately 1.5 cents per point value, which is pretty good. Another exception is with the Business Gold Card where you'll get a 25% point rebate when using points to book certain flights. This gives you approximately 1.33 cents per point value. If you don't have either card, then your best bet is to transfer points to airline miles in order to book high value awards. More details can be found here: Amex Membership Rewards Complete Guide.

Application Tips


Amex Application Tips



  • Safe to Apply: Amex is the safest bank for trying your luck at a new welcome bonus. They don’t usually issue a hard pull when denying your application. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

  • Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from getting a welcome bonus for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

  • 5/90 Rule: In general, you can get at most one credit card within 5 days and 2 within 90 days. The 5 day limit is not enforced when your applications are automatically approved. Neither rule is enforced for charge cards.

  • 5 credit card max:Amex usually won't approve applications for new credit cards if you already have 4 or more Amex credit cards or 10 or more charge cards.

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day


Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)


How to Meet Spend Requirements

In order to meet minimum spend requirements, people often look for options to increase spend in ways that result in getting their money back. These techniques are referred to as "manufacturing spend". American Express has terms in their welcome offers that exclude some manufactured spend techniques from counting towards the minimum spend requirements for the welcome bonus. For example, most new cardmember bonuses have terms like this:
Eligible purchases to meet the Threshold Amount of this offer do NOT include fees or interest charges, balance transfers, cash advances, purchase of travelers checks, purchase or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents.
That said, many techniques for meeting minimum spend are perfectly fine. Here are some techniques that are safe for meeting Amex minimum spend requirements (click each link for more information):

Related Cards (Membership Rewards)

American Express® Gold Card
60K Points
60K after $4K spend in first 6 months. Terms apply. (Rates & Fees)

$250 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Via certain browsers you may see an offer for 35K points after $4K spend and 10% back on purchases (up to $250 back) for the first six months.

Recent better offer: This is the best we've seen

American Express® Green Card
50K Points
50K points after $2K spend in 3 months. Terms apply. See

$150 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Via certain browsers you may see an offer for 30K points plus up to $200 back for US grocery spend.

Recent better offer: This is the best we've seen

The Business Platinum Card® from American Express
75K points
75K points after $15K spend in the first 3 months Terms apply. (Rates & Fees)

$595 Annual Fee

The Amex EveryDay® Credit Card from American Express
10K points
10K after $1K spend in 3 months. Terms apply.

No Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Some find they are targeted for an offer of 20K after $2K spend in the first 3 months.

The Gold Card from American Express for Ameriprise Financial

Card Type: Amex Charge Card

Base
Travel
Dine

Earning rate: 2X points for Flights booked directly with airlines and at U.S. Restaurants

Big spend bonus: 2500 bonus points for every $10K spend, up to 20K bonus points annually

Noteworthy perks: ⚬ No foreign transaction fees ⚬ $75 hotel credit on 2+ night stays with the Hotel Collection. Terms & Restrictions Apply. See Rates & Fees

Rewards

Amex Membership Rewards points can be incredibly valuable if you know how to use them. In general, if you use Membership Rewards points to pay for merchandise or travel, you won't get good value from your points. One exception is with the Business Platinum card where you'll get a 35% point rebate when using points to book certain flights. This gives you approximately 1.5 cents per point value, which is pretty good. Another exception is with the Business Gold Card where you'll get a 25% point rebate when using points to book certain flights. This gives you approximately 1.33 cents per point value. If you don't have either card, then your best bet is to transfer points to airline miles in order to book high value awards. More details can be found here: Amex Membership Rewards Complete Guide.

Application Tips


Amex Application Tips



  • Safe to Apply: Amex is the safest bank for trying your luck at a new welcome bonus. They don’t usually issue a hard pull when denying your application. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

  • Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from getting a welcome bonus for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

  • 5/90 Rule: In general, you can get at most one credit card within 5 days and 2 within 90 days. The 5 day limit is not enforced when your applications are automatically approved. Neither rule is enforced for charge cards.

  • 5 credit card max:Amex usually won't approve applications for new credit cards if you already have 4 or more Amex credit cards or 10 or more charge cards.

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day


Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)


How to Meet Spend Requirements

In order to meet minimum spend requirements, people often look for options to increase spend in ways that result in getting their money back. These techniques are referred to as "manufacturing spend". American Express has terms in their welcome offers that exclude some manufactured spend techniques from counting towards the minimum spend requirements for the welcome bonus. For example, most new cardmember bonuses have terms like this:
Eligible purchases to meet the Threshold Amount of this offer do NOT include fees or interest charges, balance transfers, cash advances, purchase of travelers checks, purchase or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents.
That said, many techniques for meeting minimum spend are perfectly fine. Here are some techniques that are safe for meeting Amex minimum spend requirements (click each link for more information):

Related Cards (Membership Rewards)

American Express® Gold Card
60K Points
60K after $4K spend in first 6 months. Terms apply. (Rates & Fees)

$250 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Via certain browsers you may see an offer for 35K points after $4K spend and 10% back on purchases (up to $250 back) for the first six months.

Recent better offer: This is the best we've seen

American Express® Green Card
50K Points
50K points after $2K spend in 3 months. Terms apply. See

$150 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Via certain browsers you may see an offer for 30K points plus up to $200 back for US grocery spend.

Recent better offer: This is the best we've seen

The Business Platinum Card® from American Express
75K points
75K points after $15K spend in the first 3 months Terms apply. (Rates & Fees)

$595 Annual Fee

The Amex EveryDay® Credit Card from American Express
10K points
10K after $1K spend in 3 months. Terms apply.

No Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Some find they are targeted for an offer of 20K after $2K spend in the first 3 months.

American Express® Business Gold Card
35K points
35K points after $5K spend in 3 months. Terms apply. (Rates & Fees)
Click here to learn how to apply

$295 Annual Fee

FM Mini Review: This card is pricey for one with few perks. Keep only if you make good use of one or two 4X categories.


Card Type: Amex Charge Card

Base
Travel
Dine
Gas
Biz

Earning rate: Earn 4X on the two categories where your business spends the most each billing cycle from the following categories: ⚬ US purchases at restaurants ⚬ Airfare purchased directly from airlines ⚬ U.S. purchases for advertising in select media ⚬ U.S. purchases at gas stations ⚬ U.S. purchases for shipping ⚬ U.S. computer hardware, software, and cloud computing purchases made directly from select providers. 4X applies to first $150,000 in combined purchases in your two categories each calendar year, 1X point per dollar thereafter and on other purchases. Terms apply.

Noteworthy perks: 25% Airline Bonus. Get 25% points back after you use Pay With Points for all or part of a flight booked with American Express Travel if the flight is either on your selected qualifying airline or First or Business class, up to 250,000 points back per calendar year. Terms Apply. (Rates & Fees)

Rewards

Amex Membership Rewards points can be incredibly valuable if you know how to use them. In general, if you use Membership Rewards points to pay for merchandise or travel, you won't get good value from your points. One exception is with the Business Platinum card where you'll get a 35% point rebate when using points to book certain flights. This gives you approximately 1.5 cents per point value, which is pretty good. Another exception is with the Business Gold Card where you'll get a 25% point rebate when using points to book certain flights. This gives you approximately 1.33 cents per point value. If you don't have either card, then your best bet is to transfer points to airline miles in order to book high value awards. More details can be found here: Amex Membership Rewards Complete Guide.

Application Tips


Amex Application Tips



  • Safe to Apply: Amex is the safest bank for trying your luck at a new welcome bonus. They don’t usually issue a hard pull when denying your application. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

  • Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from getting a welcome bonus for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

  • 5/90 Rule: In general, you can get at most one credit card within 5 days and 2 within 90 days. The 5 day limit is not enforced when your applications are automatically approved. Neither rule is enforced for charge cards.

  • 5 credit card max:Amex usually won't approve applications for new credit cards if you already have 4 or more Amex credit cards or 10 or more charge cards.

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day


Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)


How to Meet Spend Requirements

In order to meet minimum spend requirements, people often look for options to increase spend in ways that result in getting their money back. These techniques are referred to as "manufacturing spend". American Express has terms in their welcome offers that exclude some manufactured spend techniques from counting towards the minimum spend requirements for the welcome bonus. For example, most new cardmember bonuses have terms like this:
Eligible purchases to meet the Threshold Amount of this offer do NOT include fees or interest charges, balance transfers, cash advances, purchase of travelers checks, purchase or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents.
That said, many techniques for meeting minimum spend are perfectly fine. Here are some techniques that are safe for meeting Amex minimum spend requirements (click each link for more information):

Related Cards (Membership Rewards)

American Express® Gold Card
60K Points
60K after $4K spend in first 6 months. Terms apply. (Rates & Fees)

$250 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Via certain browsers you may see an offer for 35K points after $4K spend and 10% back on purchases (up to $250 back) for the first six months.

Recent better offer: This is the best we've seen

American Express® Green Card
50K Points
50K points after $2K spend in 3 months. Terms apply. See

$150 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Via certain browsers you may see an offer for 30K points plus up to $200 back for US grocery spend.

Recent better offer: This is the best we've seen

The Business Platinum Card® from American Express
75K points
75K points after $15K spend in the first 3 months Terms apply. (Rates & Fees)

$595 Annual Fee

The Amex EveryDay® Credit Card from American Express
10K points
10K after $1K spend in 3 months. Terms apply.

No Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Some find they are targeted for an offer of 20K after $2K spend in the first 3 months.

The Business Gold Rewards Card from American Express

FM Mini Review: This card is pricey for one with few perks. Keep only if you make good use of a 3X category.


Card Type: Amex Charge Card

Base
Travel
Gas
Biz

Earning rate: Earn 3X on one of your choice, 2X on rest. [3X choices: ⚬ Airfare purchased directly from airlines ⚬ U.S. purchases for advertising in select media ⚬ U.S. purchases at gas stations ⚬ U.S. purchases for shipping ⚬ U.S. computer hardware, software, and cloud computing purchases made directly from select providers. 3X and 2X apply to first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter.

See also: Please see the updated version of this card: American Express Business Gold Card

Rewards

Amex Membership Rewards points can be incredibly valuable if you know how to use them. In general, if you use Membership Rewards points to pay for merchandise or travel, you won't get good value from your points. One exception is with the Business Platinum card where you'll get a 35% point rebate when using points to book certain flights. This gives you approximately 1.5 cents per point value, which is pretty good. Another exception is with the Business Gold Card where you'll get a 25% point rebate when using points to book certain flights. This gives you approximately 1.33 cents per point value. If you don't have either card, then your best bet is to transfer points to airline miles in order to book high value awards. More details can be found here: Amex Membership Rewards Complete Guide.

Related Cards (Membership Rewards)

American Express® Gold Card
60K Points
60K after $4K spend in first 6 months. Terms apply. (Rates & Fees)

$250 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Via certain browsers you may see an offer for 35K points after $4K spend and 10% back on purchases (up to $250 back) for the first six months.

Recent better offer: This is the best we've seen

American Express® Green Card
50K Points
50K points after $2K spend in 3 months. Terms apply. See

$150 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Via certain browsers you may see an offer for 30K points plus up to $200 back for US grocery spend.

Recent better offer: This is the best we've seen

The Business Platinum Card® from American Express
75K points
75K points after $15K spend in the first 3 months Terms apply. (Rates & Fees)

$595 Annual Fee

The Amex EveryDay® Credit Card from American Express
10K points
10K after $1K spend in 3 months. Terms apply.

No Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Some find they are targeted for an offer of 20K after $2K spend in the first 3 months.

The Plum Card® from American Express
Up to $600
Earn a $200 statement credit after each $10,000 you spend on the card, up to $30,000, in the first 3 months of Card Membership. Terms Apply. (Rates & Fees)
Click Here to Apply

No Annual Fee First Year, Then $250


Card Type: Amex Charge Card

Noteworthy perks: Terms and limitations apply. (Rates & Fees)

Application Tips


Amex Application Tips



  • Safe to Apply: Amex is the safest bank for trying your luck at a new welcome bonus. They don’t usually issue a hard pull when denying your application. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

  • Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from getting a welcome bonus for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

  • 5/90 Rule: In general, you can get at most one credit card within 5 days and 2 within 90 days. The 5 day limit is not enforced when your applications are automatically approved. Neither rule is enforced for charge cards.

  • 5 credit card max:Amex usually won't approve applications for new credit cards if you already have 4 or more Amex credit cards or 10 or more charge cards.

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day


Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)


How to Meet Spend Requirements

In order to meet minimum spend requirements, people often look for options to increase spend in ways that result in getting their money back. These techniques are referred to as "manufacturing spend". American Express has terms in their welcome offers that exclude some manufactured spend techniques from counting towards the minimum spend requirements for the welcome bonus. For example, most new cardmember bonuses have terms like this:
Eligible purchases to meet the Threshold Amount of this offer do NOT include fees or interest charges, balance transfers, cash advances, purchase of travelers checks, purchase or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents.
That said, many techniques for meeting minimum spend are perfectly fine. Here are some techniques that are safe for meeting Amex minimum spend requirements (click each link for more information):

Related Cards (Amex cash back cards)

The Plum Card® from American Express
Up to $600
Earn a $200 statement credit after each $10,000 you spend on the card, up to $30,000, in the first 3 months of Card Membership. Terms Apply. (Rates & Fees)

No Annual Fee First Year, Then $250

American Express Blue Business Cash™ Card
Up to $300 in statement credits
Up to $300 in statement credits: Earn up to $100 in statement credits for purchases made in the first 3 months at each of these merchants: Dell, DocuSign, and FedEx. Terms apply. (Rates & Fees)

No Annual Fee

Recent better offer: Up to $500 in statement credits: Earn a $250 statement credit after $5K in purchases in the first 6 months and an additional $250 statement credit after an additional $10K in purchases in the first year. [Expired 8/6/20]

Blue Cash Preferred® Card from American Express
$250 Back
$250 cash back as a statement credit after $1K in the first 3 months. Terms Apply. (Rates & Fees)

$95 Annual Fee

Via some browsers you may find a targeted $300 offer with this refer-a-friend link

Recent better offer: Up to $350: 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back. Plus, earn $150 back after $1K spend in 3 months. (Expired 5/3/17)

The Amex EveryDay® Credit Card from American Express
10K points
10K after $1K spend in 3 months. Terms apply.
Click Here to Apply

No Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Some find they are targeted for an offer of 20K after $2K spend in the first 3 months.

FM Mini Review: Great choice for keeping Membership Rewards points alive if you choose to cancel other Membership Rewards earning cards.


Card Type: Amex Credit Card

Base
Grocery

Earning rate: ⚬ 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x) ⚬ 1x on other purchases

Noteworthy perks: ⚬ Make 20 or more purchases in a billing period and get 20% more points, less returns and credits ⚬ Points transferrable to many airline programs (unusual feature for no-fee card) ⚬ Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99% ⚬ $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening. Terms apply. See Rates & Fees

Overview

The Amex EveryDay Credit Card from American Express is a solid choice for those who want a card that earns transferable points and has no annual fee.

The card earns 2 points per dollar at US supermarkets, on up to $6,000 per year in purchases (then 1x); and 1 point per dollar on all other eligible purchases

You can do better, though. When you use the card 20 or more times in a billing period, you get 20% more points. In other words, in every billing period in which you use the card 20 or more times, you earn the following points per dollar:

  • 2.4 points per dollar at U.S. supermarkets, up to $6K spend per year (then the rate drops to 1.2X)
  • 1.2X points per dollar on all other eligible purchases.

Those earning rates are very good for a no-fee card that gives you the ability to transfer points to frequent flyer programs. However, you can do much better with cards that have fees, such as The Amex EveryDay Preferred Credit Card from American Express. Depending upon how much you spend annually, the value of extra points earned with a card that has a fee can easily make up for that annual fee.

Membership Rewards points earned with this card are transferable to many airline programs and can be pooled with points earned on other Membership Rewards cards such as Platinum, Gold, and Green cards. One particularly good use is to pool points with the Business Platinum Card so that you can use points to buy airfare at a value of 1.5 cents per point.

Rewards

Amex Membership Rewards points can be incredibly valuable if you know how to use them. In general, if you use Membership Rewards points to pay for merchandise or travel, you won't get good value from your points. One exception is with the Business Platinum card where you'll get a 35% point rebate when using points to book certain flights. This gives you approximately 1.5 cents per point value, which is pretty good. Another exception is with the Business Gold Card where you'll get a 25% point rebate when using points to book certain flights. This gives you approximately 1.33 cents per point value. If you don't have either card, then your best bet is to transfer points to airline miles in order to book high value awards. More details can be found here: Amex Membership Rewards Complete Guide.

Application Tips


Amex Application Tips



  • Safe to Apply: Amex is the safest bank for trying your luck at a new welcome bonus. They don’t usually issue a hard pull when denying your application. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

  • Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from getting a welcome bonus for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

  • 5/90 Rule: In general, you can get at most one credit card within 5 days and 2 within 90 days. The 5 day limit is not enforced when your applications are automatically approved. Neither rule is enforced for charge cards.

  • 5 credit card max:Amex usually won't approve applications for new credit cards if you already have 4 or more Amex credit cards or 10 or more charge cards.

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day


Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)


How to Meet Spend Requirements

In order to meet minimum spend requirements, people often look for options to increase spend in ways that result in getting their money back. These techniques are referred to as "manufacturing spend". American Express has terms in their welcome offers that exclude some manufactured spend techniques from counting towards the minimum spend requirements for the welcome bonus. For example, most new cardmember bonuses have terms like this:
Eligible purchases to meet the Threshold Amount of this offer do NOT include fees or interest charges, balance transfers, cash advances, purchase of travelers checks, purchase or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents.
That said, many techniques for meeting minimum spend are perfectly fine. Here are some techniques that are safe for meeting Amex minimum spend requirements (click each link for more information):

Related Cards (Membership Rewards)

American Express® Gold Card
60K Points
60K after $4K spend in first 6 months. Terms apply. (Rates & Fees)

$250 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Via certain browsers you may see an offer for 35K points after $4K spend and 10% back on purchases (up to $250 back) for the first six months.

Recent better offer: This is the best we've seen

American Express® Green Card
50K Points
50K points after $2K spend in 3 months. Terms apply. See

$150 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Via certain browsers you may see an offer for 30K points plus up to $200 back for US grocery spend.

Recent better offer: This is the best we've seen

The Business Platinum Card® from American Express
75K points
75K points after $15K spend in the first 3 months Terms apply. (Rates & Fees)

$595 Annual Fee

The Amex EveryDay® Credit Card from American Express
10K points
10K after $1K spend in 3 months. Terms apply.

No Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Some find they are targeted for an offer of 20K after $2K spend in the first 3 months.

The Amex EveryDay Card (with 20 purchases per billing cycle)

Card Type: Amex Credit Card

Base
Grocery

Earning rate: Make 20 or more purchases in a billing period and get 20% more points, less returns and credits ⚬ With 20% more points, earn: 2.4X points at US supermarkets, on up to $6,000 per year in purchases (then 1.2x) ⚬ 1.2X on other purchases

The Amex EveryDay® Preferred Credit Card from American Express

FM Mini Review: Thanks to the 50% bonus on points earned, this is, in my opinion, one of the strongest mile-earning cards available.


Card Type: Amex Credit Card

Base
Gas
Grocery

Earning rate: ⚬ 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x) ⚬ 2x points at US gas stations ⚬ 1x points on other purchases.

Noteworthy perks: Earn 50% more points: Use your Card 30 or more times on purchases in a billing period and get 50% more points on those purchases less returns and credits. Terms apply. See Rates & Fees

Overview

The Amex EveryDay Preferred Credit Card from American Express may be the single best card for earning transferable points (points that transfer to airline miles).

The card earns 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; and 1x points on all other eligible purchases.

What really makes this card special, though, is that when you use the card 30 or more times in a billing period, you get 50% more points. In other words, in every billing period in which you use the card 30 or more times, you earn the following points per dollar:

  • 4.5 points per dollar at U.S. Supermarkets, up to $6K spend per year (then the rate drops to 1.5X)
  • 3 points per dollar at US standalone gas stations
  • 1.5X points per dollar on all other eligible purchases.

As I showed in the post "Best credit card combos: Membership Rewards," an average person (see assumptions in the post) can earn, on average, 2.33 points per dollar!

Membership Rewards points earned with this card are transferable to many airline programs and can be pooled with points earned on other Membership Rewards cards such as Platinum, Gold, and Green cards. One particularly good use is to pool points with the Business Platinum Card so that you can use points to buy airfare at a value of approximately 1.5 cents per point.

Rewards

Amex Membership Rewards points can be incredibly valuable if you know how to use them. In general, if you use Membership Rewards points to pay for merchandise or travel, you won't get good value from your points. One exception is with the Business Platinum card where you'll get a 35% point rebate when using points to book certain flights. This gives you approximately 1.5 cents per point value, which is pretty good. Another exception is with the Business Gold Card where you'll get a 25% point rebate when using points to book certain flights. This gives you approximately 1.33 cents per point value. If you don't have either card, then your best bet is to transfer points to airline miles in order to book high value awards. More details can be found here: Amex Membership Rewards Complete Guide.

Application Tips


Amex Application Tips



  • Safe to Apply: Amex is the safest bank for trying your luck at a new welcome bonus. They don’t usually issue a hard pull when denying your application. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

  • Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from getting a welcome bonus for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

  • 5/90 Rule: In general, you can get at most one credit card within 5 days and 2 within 90 days. The 5 day limit is not enforced when your applications are automatically approved. Neither rule is enforced for charge cards.

  • 5 credit card max:Amex usually won't approve applications for new credit cards if you already have 4 or more Amex credit cards or 10 or more charge cards.

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day


Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)


How to Meet Spend Requirements

In order to meet minimum spend requirements, people often look for options to increase spend in ways that result in getting their money back. These techniques are referred to as "manufacturing spend". American Express has terms in their welcome offers that exclude some manufactured spend techniques from counting towards the minimum spend requirements for the welcome bonus. For example, most new cardmember bonuses have terms like this:
Eligible purchases to meet the Threshold Amount of this offer do NOT include fees or interest charges, balance transfers, cash advances, purchase of travelers checks, purchase or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents.
That said, many techniques for meeting minimum spend are perfectly fine. Here are some techniques that are safe for meeting Amex minimum spend requirements (click each link for more information):

Related Cards (Membership Rewards)

American Express® Gold Card
60K Points
60K after $4K spend in first 6 months. Terms apply. (Rates & Fees)

$250 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Via certain browsers you may see an offer for 35K points after $4K spend and 10% back on purchases (up to $250 back) for the first six months.

Recent better offer: This is the best we've seen

American Express® Green Card
50K Points
50K points after $2K spend in 3 months. Terms apply. See

$150 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Via certain browsers you may see an offer for 30K points plus up to $200 back for US grocery spend.

Recent better offer: This is the best we've seen

The Business Platinum Card® from American Express
75K points
75K points after $15K spend in the first 3 months Terms apply. (Rates & Fees)

$595 Annual Fee

The Blue Business℠ Plus Credit Card
10K points
10K after $3K spend in 3 months. Terms apply. (Rates & Fees)

No Annual Fee