Best US Credit Card For Amex Points
If your goal is to earn American Express Membership Rewards (MR) points for international travel, airline miles, and hotel bookings, American Express offers several excellent US credit cards.
My recommendation depends on whether you prefer no annual fee or are willing to pay an annual fee for better rewards.
Best US Amex points credit cards
American Express® Updates U.S. Consumer Gold Card with New Benefits and Limited-Edition White Gold Card Design
1. American Express Gold Card
Best for everyday points
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Annual fee: $325
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4X points at restaurants worldwide (up to applicable limits).
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4X points at U.S. supermarkets (up to applicable limits).
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3X points on eligible flights.
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1X on other eligible purchases.
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Great for accumulating points through everyday spending.
Terms and spending caps apply.
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2. American Express Green Card
Best lower-fee travel option
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3. American Express Platinum Card
Best for luxury travel
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Annual fee: $895
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5X points on eligible flights.
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5X points on prepaid hotels booked through Amex Travel.
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Airport lounge access and premium travel benefits.
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Best for travelers who can use its benefits.
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4. Blue Business Plus Credit Card
Best no-annual-fee points option
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Annual fee: $0.
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2X Membership Rewards points on the first $50,000 of eligible purchases annually.
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1X thereafter.
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Requires business-card eligibility.
Current card details:
American Express+2
Which Amex card should you choose?
Considering that you are new to US credit and want to build an excellent credit score while earning international travel rewards:
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Your priority
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My recommendation
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No annual fee
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Blue Business Plus (if eligible)
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Lower annual fee
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Amex Green
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Maximum everyday points
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Amex Gold
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Luxury international travel
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Amex Platinum
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My recommendation:
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Choose Amex Green if you want to start with a lower annual fee and earn points on travel and dining.
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Choose Amex Gold if you spend substantially on dining and US groceries.
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Avoid Platinum initially unless you can comfortably justify its $895 annual fee.
Important: Membership Rewards points can be transferred to participating airline and hotel loyalty programs. This is often more valuable than redeeming points for statement credits.
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