American Express Card Levels: Which One is Right for You?
American Express is one of the most popular credit card issuers in the world, offering a wide range of cards to suit different needs and lifestyles. From cashback and travel rewards to premium perks and benefits, there’s an American Express card for everyone. But with so many options available, it can be overwhelming to choose the right one. In this article, we’ll explore the different American Express card levels and help you find the one that fits your needs.
1. Basic Cards
The basic American Express cards are the most straightforward and accessible options. They don’t come with any fancy perks or rewards, but they offer a solid foundation for building credit and managing expenses. The most popular basic cards are the Amex EveryDay and the Blue Cash Everyday. The former offers 2x points on groceries and 1x points on everything else, while the latter provides 3% cashback on groceries, 2% on gas and department stores, and 1% on everything else.
2. Premium Cards
If you’re looking for more rewards and benefits, the premium American Express cards are worth considering. These cards come with higher annual fees, but they also offer more generous rewards and perks. The most popular premium cards are the Amex Gold and the Platinum Card. The former offers 4x points on dining and groceries, 3x points on flights, and 1x points on everything else, while the latter provides access to airport lounges, hotel upgrades, and concierge services.
3. Business Cards
If you’re a business owner, the American Express business cards can help you manage your expenses and earn rewards for your business spending. The most popular business cards are the Amex Business Gold and the Blue Business Plus. The former offers 4x points on the two categories you spend the most on each month, up to $150,000 per year, and 1x points on everything else, while the latter provides 2x points on all purchases up to $50,000 per year, and 1x points on everything else.
4. Co-Branded Cards
American Express also offers co-branded cards in partnership with airlines, hotels, and other companies. These cards provide rewards and benefits specific to the partner brand, such as free flights, hotel stays, and discounts on purchases. The most popular co-branded cards are the Delta SkyMiles and the Hilton Honors cards.
In conclusion, American Express offers a wide range of cards to suit different needs and lifestyles. Whether you’re looking for basic rewards, premium perks, business benefits, or co-branded partnerships, there’s an American Express card for you. By understanding the different card levels and their features, you can choose the one that fits your needs and maximize your rewards and benefits.