American Express being one of the credible credit card issuers have come a long way since the company introduced its very first charge card in 1958. To this date, the company offers a line of cards with great rewards and benefits to a large user base. One of the greatest benefits is that the issuer charges no annual fee to heavy metal luxury cards that cost nearly hundreds of dollars per year.
American Express commonly referred as Amex can potentially earn you hundreds of dollars per year in rewards along with additional perks like premium lounge access and valuable credits. For you to get the best rewards, we have analyzed the best Amex cards for your unique spending. So without further ado, let’s check the details of the best American Express credit cards of September 2023.
Table of Contents
Summary – Best American Express credit cards of September 2023
- The Platinum Card from American Express- Best for Premium travel bonuses
- American Express Green Card – Best mid-range card for travel rewards
- American Express Gold Card – Best card for Foodies
- Delta SkyMiles Reserve American Express Card – Best in-class card for luxury Delta perks
- Blue Cash Preferred Card from American Express – Best for supermarket spending
- Blue Cash Everyday Card from American Express – Best card with no annual fees
- Delta Sky Miles Gold American Express Card – Best for casual Delta flyers
- Amex EveryDay Credit Card- Best mid-tier card for earning membership rewards
- Hilton Honors American Express Surpass Card – Best to get greater hotel rewards
- American Express Business Gold Card – Best for customized rewards for business
Charting the Best American Express credit cards of September 2023
| Best American Express credit cards of September 2023 | Introductory Offer | Best for | Annual Fee |
| The Platinum Card® from American Express | 100,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card within the first 6 months of account opening. | Premium travel bonuses | $695 |
| American Express® Green Card | 45,000 Membership Rewards® points after you spend $3,000 on eligible purchases on your new Card within the first 3 months. | Mid-range card for travel rewards | $150 |
| American Express® Gold Card | 60,000 Membership Rewards® points after you spend $4,000 on purchases at restaurants within the first 6 months of Card Membership. | Foodies | $250 |
| Delta SkyMiles® Reserve American Express Card | 75,000 Delta SkyMiles after you spend $3,000 in purchases on your new Card within the first 3 months of account opening. | Luxury Delta perks | $550 |
| Blue Cash Preferred® Card from American Express | $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. | Supermarket spending | $95 |
| Blue Cash Everyday® Card from American Express | No annual fee | No annual fees | $0 |
| Delta SkyMiles® Gold American Express Card | 70,000 Delta SkyMiles after you spend $2,000 in eligible purchases on your new Card within the first 3 months of account opening. | Casual Delta flyers | $99 |
| Amex EveryDay® Credit Card | 10,000 Membership Rewards® points after you spend $1,000 on eligible purchases on your new Card within the first 3 months of Card Membership. | Earning membership rewards | $0 |
| Hilton Honors American Express Surpass® Card | 130,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases on your Card within the first 3 months of Card Membership. | Getting greater hotel rewards | $95 |
| American Express® Business Gold Card | 75,000 Membership Rewards® points after you spend $10,000 on eligible purchases on your new Card within the first 3 months of account opening. | Customized rewards for business | $295 |
Best American Express credit cards of September 2023
1. The Platinum Card from American Express
| Annual Fee | $695 |
| Welcome Bonus | Earn 800,000 points |
| Credit Score | Excellent (700-749) |
| Reward rates | 1x-5x |
As the card gained the no 1 spot among the Best American Express credit cards of September 2023 so it comes with a wide range of potential perks. The card positions itself as a premium lifestyle card with overflowing benefits at an annual cost of $695. If you are one of those individuals who love to travel in style , this card deserves are special place in your wallet.
Cardholders get great reward rates on travel that include 5 membership reward points per dollar for all those flights that are booked either directly with American Express travel or with the airlines on up to $500,000 per year. Moreover, 5 points are gained per dollar on pre-paid hotels that are booked with American Express Travel and 1 point per dollar on other eligible purchases. The perks do not stop here as the card also provides access to an extensive airport global lounge collection with access to 1400 airport lounges across 650 cities in 140 countries all across the globe.
| Pros | Cons |
| Higher reward potential on flights and tickets booked through American Express | Comparatively high annual fee |
| Extensive airport lounge access | Maximizing the credit statements takes some time and could not work for some people |
| Multiple credits justify its annual cost | |
| Membership reward program you gain luxury travel benefits and stay in Hilton and Marriott hotels |
2. American Express Green Card
| Annual Fee | $150 |
| Welcome Bonus | Earn 40,000 points |
| Credit Score | Good |
| Reward rates | 1x-3x |
While all the big spenders have the Platinum card, the Green card is for those who want to gain perks at a minimal annual cost. So, this card is specifically targeted toward travelers who want to gain generous Membership reward points across the widest array of travel categories. At an annual cost of $150, it offers a $189 annual Clear Plus membership and up to $100 Lounge Buddy credit.
The most prominent feature of the American Express green card is its strong earnings of 3 points per dollar on travel or transit whereas 3 points per dollar on purchases at restaurants worldwide that includes delivery and takeaway. Apart from this, there are various travel and travel-adjacent purchases and earnings where you can earn Membership reward points. In brief, if you are a frequent traveler who wants to maximize rewards, you should highly consider this card.
| Pros | Cons |
| No foreign transaction fees | No balance transfer option |
| 3x points on travel, transit, and dining | Mediocre base rewards |
| Flexible redemption and point transfer options |
3. American Express Gold Card
| Annual Fee | $250 |
| Welcome Bonus | Earn 60,000 points |
| Credit Score | Excellent ( 700-749) |
| Reward rates | 1x-4x |
The American Express Gold Card is one of the most useful options among the best American Express credit cards of September 2023 as it offers a large amount of bonus points that can be used for travel rewards. The card offers a spectacular 4 membership reward points per dollar at restaurants all across the US supermarkets that are among the highest in the industry. The membership points are flexible and easy to redeem to facilitate a large user base. Moreover, the annual fee is $250 which can be justified by a wide range of dining and Uber benefits.
There are multiple credits for dining and Uber, but they have strings attached. With this card, you can easily earn $120 in dining credits but only a small selection of restaurants and delivery services are included in it. The Uber Cash can only be used at$10 per month with validity on rides and Uber Eats orders. Moreover, this card also offers the ability to add five authorized cardholders with no extra fee charges. The age bracket of the users can be as young as 13, so Amex Gold Card is preferably a good card for family use.
| Pros | Cons |
| Greater reward-earning possibilities | Fewer options to carry a balance |
| Availability of point transfer options to partners | No lounge balance |
| Add up to 5 card holders with no additional charges | High pay overtime penalty |
| Coverage of car rental loss and damage insurance |
4. Delta SkyMiles Reserve American Express Card
| Annual Fee | $550 |
| Welcome Bonus | Earn 60,000 bonus miles |
| Credit Score | Excellent (700-749) |
| Reward rates | 3x-4x |
This card is one of the most elite option among the best American Express credit cards of September 2023 for all those who travel frequently with Delta. With its steep annual fees of $550, you gain access to flying first-class with Delta Airlines. The card offers two exclusive features that include complimentary access to Delta Sky clubs and annual companion certificate that can be easily redeemed for a round trip ticket.
With endless benefits, you can earn 60,000 bonus miles while you spend $5,000 in purchases on your new card. This card provides access to The Centurion Lounge when you book a Delta flight with Reserve card. Apart from this you can earn 15,000 Medallion Qualification Miles (MQMs) with $30,000 in purchases per year getting you closer to the Medallion Status. In brief, in the pantheon of Delta cards, Reserve American Express stands out as the most premium option.
| Pros | Cons |
| Greater Delta perks with priority boarding on Delta flights | Mediocre earning rates on rewards |
| Free credit for Global entry or TSA precheck | High Regular APR |
| Access to premium Delta Sky Club airport lounges when flying with Delta | Complimentary Sky Club access is only for a single individual |
5. Blue Cash Preferred Card from American Express
| Annual Fee | $0 for first year then $95 for all the proceeding years |
| Welcome Bonus | Earn $250 |
| Credit Score | Excellent /Good (700-749) |
| Reward rates | 1x-6x |
As American Express has a large target audience so it knows the pain points of all. The exclusive Blue Cash Preferred Card from American Express offers access to the Membership reward program with no annual fee. Through this card, you gain double points for all the purchases that are made in the US supermarkets while 1 point per dollar is spent elsewhere. This card is the greatest option among the elite in cash-back credit cards and is ideal for families.
It offers an amazing 6% cash back at US supermarkets with only $6,00 spending per year and 6% back on various US streaming subscriptions. Also, there is a fair 3% back on transit and 1% cashback on every other purchase. The greatest benefit of one of the best American Express credit cards of September 2023 is that cashback is received in the form of reward dollars that can be redeemed as a statement credit.
| Pros | Cons |
| High cashback rewards among several categories | Charges an annual fee after first year |
| No enrollment fee is required, cashback is automatic | US supermarket category is capped at $6000 in annual spending ( then 1%) |
| Comes with a wide range of travel benefits and protections |
6. Blue Cash Everyday Card from American Express
| Annual Fee | $0 |
| Welcome Bonus | Earn $200 |
| Credit Score | Excellent /Good (700-749) |
| Reward rates | 1x-3x |
If you are one of those individuals who spend a lot on groceries and cannot afford the annual credit card fee, Blue Cash every day is the viable option. For a $0 annual fee, you get a cashback of 3% on US supermarkets, Gas Stations, and online retail purchases. You are only eligible for 3% rate on the first $6000 spending per year on the three categories. For all other purchases that are above the $6,000 cap, you earn 1% cashback.
Being the excellent value option among the Best American Express credit cards of September 2023, it offers great value in the right hands. The total earnings are totally dependent on monthly expenses but this card has greater potential for all those who don’t spend heavily on a single category.
| Pros | Cons |
| Solid mix of reward categories with no annual fee | Wholesale stores like Amazon and Walmart are not included in US supermarkets |
| Introductory APR offer on purchases and balance transfers | Rewards outside the bonus categories only have 1% cashback |
| Above average earnings at US supermarkets, online retail purchases and gas stations |
7. Delta Sky Miles Gold American Express Card
| Annual Fee | $0 for the first year and then it’s $99 per year |
| Welcome Bonus | Earn 40,000 bonus miles |
| Credit Score | Excellent /Good (700-749) |
| Reward rates | 1x-2x |
American Express has a close association with Delta and offers a range of Delta SkyMiles credit cards. It is one of the excellent options for all Delta travelers as this card is co-branded with Delta Air Lines Credit card. It offers 2x SkyMiles on dining purchases that include delivery and takeaways in the US. With this card you can earn 2x miles at US supermarkets and on purchases that are made directly with Delta and 1 mile per dollar spent elsewhere.
With this Gold American Express Card, you can easily earn 40,00 bonus miles after spending $2,000 on purchases. With the $0 introductory Annual fee, you can enjoy your first checked bag free on Delta flights. Additionally, you can earn 2x miles on Delta purchases at US supermarkets and restaurants worldwide. But in case you want even more flexibility you can further take up to $50 off for every 5000 miles you redeem with pay with miles while booking from delta.com.
| Pros | Cons |
| Free checked bags and early boarding | Comparatively high regular APR |
| No foreign transaction fees | Requires a good credit score |
| Large variety of airline partners | Charges an annual fee |
| Rewards don’t expire early |
8. Amex Everyday Credit Card
| Annual Fee | $0 |
| Welcome Bonus | Earn 10,000 bonus miles |
| Credit Score | Excellent /Good (700-749) |
| Reward rates | 1x-2x |
The Amex EveryDay Credit Card is an entry-level Membership reward card that comes with no annual fees. The rewards earned on the card are average but you get 20% points boost for using the card 20 times per billing period. The greatest benefit of one of the best American Express credit cards of September 2023 is its intro APR offer and high ability to earn Membership rewards. Therefore, it’s an overall greater starter option for earning Membership rewards and leveraging the interest-free window.
With this card, you earn 2 Membership Reward points per dollar at US supermarkets on up to $6000 per year in purchases and 2 points per dollar when booking trips through American Express Travel. Apart from this, you gain 1 point for every eligible dollar on everything else they purchase. Moreover, it comes with a 0% APR on purchases and balance transfer for the first 15 months.
| Pros | Cons |
| Comes with no annual fees | Charges 2.7% foreign transaction fees |
| Greater chance to earn 20% bonus on all points earned | Requires 20 purchases per month to gain 20% bonus |
| A lengthy 0% APR on purchase |
9. Hilton Honors American Express Surpass Card
| Annual Fee | $95 |
| Welcome Bonus | Earn 130,000 bonus points |
| Credit Score | Excellent /Good (700-749) |
| Reward rates | 1-7x |
Hilton Honors is one of the best hotel rewards programs that comes at a total cost of $95 per year. In a modest price range, Hilton offers endless benefits for all those who want to travel frequently per year. With this card, you earn 12x points for purchases from Hilton Hotels and resorts and 6x points for US restaurants.
After spending a total of $2000 in purchases on the card, you earn a total bonus of 130,000 bonus points. The lounge benefits and automatic Gold Status is the key reason it’s ideal for booking hotels. With booking in hotels, you can earn 12 bonus points for each dollar spent on resort or hotels that come under the Hilton portfolio. In addition, you can earn 6 bonus points for each dollar spent at US restaurants, gas stations and supermarkets.
| Pros | Cons |
| High reward rates | Points have low redemption aside from Hilton properties |
| No foreign transaction fees | Requires annual fee |
| Complimentary elite gold status |
10. American Express Business Gold Card
| Annual Fee | $295 |
| Welcome Bonus | Earn 70,000 bonus points |
| Credit Score | Good |
| Reward rates | 1x-4x |
AlthoughAmerican Express Business Gold Card is on the list of best American Express credit cards of September 2023, it is not recommended for business owners who want to earn American Express Membership reward points. Through this business card, you can gain 4 Membership reward points per dollar on 2 of the chosen categories you spend most each month. The eligible categories include airfare, advertising, technology purchases, and gas among many others.
This dynamic card is specifically for high-spending small business owners. Through this card, you earn a lucrative 4 Membership rewards per dollar on selected bonus categories. The points accrued can be directly redeemed for travel at AmexTravel.com or transferred to the well-known American Express airline and hotel transfer partners.
| Pros | Cons |
| Easy redemption and point transfer options | High annual fee relative to the benefits offered |
| Robust travel benefits | 4 points per dollar rate capped at $150,000 in annual spending |
| Automatic 4 points on 2 selected categories | |
| 25% airlane redemption rebate when booking through Amex travel |
