Credit cards for Amex Membership Rewards
By ApplyOrWait. Compiled from issuer terms and our audited issuer-rule list. Offers checked ; issuer rules verified . Terms apply.
Credit cards for Amex Membership Rewards: 5 current offers are compared, including personal and business cards; some have variable, conditional or unconfirmed bonuses the estimates leave out, so the order is a starting point rather than a like-for-like ranking. Among credit cards for amex membership rewards with a confirmed value, American Express Blue Business Plus has the highest estimated first-year value after fees at $188, using travel redemption. The lowest annual fee among credit cards for amex membership rewards is $0. Opening any of the 2 personal cards compared for credit cards for amex membership rewards adds an account to Chase's reported 5/24 count for 24 months, even if the account later closes.
American Express Membership Rewards cards have different fees and offer terms. Compare the credits you already use and check your previous Amex bonuses before applying.
Check my eligibility first →We compare conditional value after fees; compensation never changes rankings.
How we rankAmex Membership Rewards: 5 available offers, ordered by conditional travel value after fees.
Offers for Amex Membership Rewards to compare
1. American Express Blue Business Plus
Welcome offer: 15,000 Membership Rewards points. Annual fee: $0. Terms apply.
First-year value after fees (travel redemption), estimated: $188.
Last checked: .
2. American Express Gold Card
Welcome offer: as high as 100,000 Membership Rewards points. Annual fee: $325. Terms apply.
First-year value after fees (travel redemption), estimated: -$103.
Bonus up to $1,250 with conditions. This ceiling is excluded from the estimate.
Last checked: .
3. American Express Platinum Card
Welcome offer: up to 175,000 Membership Rewards® points. Annual fee: $895. Terms apply.
First-year value after fees (travel redemption), estimated: -$188.
Bonus up to $2,188 with conditions. This ceiling is excluded from the estimate.
Last checked: .
4. American Express Business Gold
Welcome offer: as high as 200,000 Membership Rewards points. Annual fee: $375. Terms apply.
First-year value after fees (travel redemption), estimated: -$375.
Bonus up to $2,500 with conditions. This ceiling is excluded from the estimate.
Last checked: .
5. American Express Business Platinum
Welcome offer: as high as 300,000 Membership Rewards points. Annual fee: $895. Terms apply.
First-year value after fees (travel redemption), estimated: -$455.
Bonus up to $3,750 with conditions. This ceiling is excluded from the estimate.
Last checked: .
Compare requirements and conditional value
Amex Membership Rewards estimates use travel redemption, expected credit use and first-year fees; ongoing spending rewards are excluded. Terms apply.
| Card | Annual fee | Required spend | First-year value, estimated (travel) | Timing or bonus condition | Recorded details | Last checked |
|---|---|---|---|---|---|---|
| American Express Blue Business Plus | $0 | $3,000 in 3 months | $188 | American Express Blue Business Plus: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.Issuer terms | Network: Amex.First-year fee: $0; renewal: $0. | 2026-10-06 |
| American Express Gold Card | $325 | $8,000 in 6 months | -$103 | American Express's terms say the American Express Gold Card welcome offer may be unavailable if you have or had the American Express Platinum Card. Check the current offer terms; this wording varies between offers.Issuer terms | Network: Amex.First-year fee: $325; renewal: $325.Personalized bonus up to $1,250 with conditions; excluded from the base estimate. | 2026-10-06 |
| American Express Platinum Card | $895 | $12,000 in 6 months | -$188 | American Express's terms say the American Express Platinum Card welcome offer may be unavailable if you have or had the card. Check the current offer terms; this wording varies between offers. Some targeted offers have different terms; the issuer determines eligibility.Issuer terms | Network: Amex.First-year fee: $895; renewal: $895.Personalized bonus up to $2,188 with conditions; excluded from the base estimate. | 2026-10-06 |
| American Express Business Gold | $375 | $15,000 in 3 months | -$375 | American Express Business Gold: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.Issuer terms | Network: Amex.First-year fee: $375; renewal: $375.Personalized bonus up to $2,500 with conditions; excluded from the base estimate. | 2026-10-06 |
| American Express Business Platinum | $895 | $20,000 in 3 months | -$455 | American Express Business Platinum: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.Issuer terms | Network: Amex.First-year fee: $895; renewal: $895.Personalized bonus up to $3,750 with conditions; excluded from the base estimate. | 2026-10-06 |
Timing rules for the cards on this list
Application windows and account limits
American Express Blue Business Plus: Applicants report a usual five-day gap between Amex lending-card approvals. This is an observed limit, not a published guarantee. Amex usually allows no more than two lending-card approvals in 90 days. Reported exceptions do not guarantee approval. Amex usually limits applicants to five lending cards in total, including business cards. Exceptions have been reported.
American Express Gold Card and American Express Platinum Card and American Express Business Gold and American Express Business Platinum: The usual Amex limit on new credit-card approvals generally does not apply to this card. Other approval checks still apply. Amex generally limits charge-card holdings; ten total is commonly reported, with exceptions and lower personal-card limits reported by some applicants.
Welcome offers and prior-card history
American Express's terms say the American Express Gold Card welcome offer may be unavailable if you have or had the American Express Platinum Card. Check the current offer terms; this wording varies between offers.
American Express's terms say the American Express Platinum Card welcome offer may be unavailable if you have or had the card. Check the current offer terms; this wording varies between offers. Some targeted offers have different terms; the issuer determines eligibility.
American Express Blue Business Plus: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.
American Express Gold Card: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.
American Express Business Gold: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.
American Express Business Platinum: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.
Effect on Chase 5/24
American Express Blue Business Plus is a business card recorded as not reporting to personal bureaus, so it generally does not add to Chase's 5/24 count. Confirm how your account appears on your credit report.
American Express Gold Card is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
American Express Platinum Card is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
American Express Business Gold is a business card recorded as not reporting to personal bureaus, so it generally does not add to Chase's 5/24 count. Confirm how your account appears on your credit report.
American Express Business Platinum is a business card recorded as not reporting to personal bureaus, so it generally does not add to Chase's 5/24 count. Confirm how your account appears on your credit report.
Application order
Issuer terms: consider American Express Gold Card before American Express Platinum Card because prior American Express Platinum Card history may block American Express Gold Card's welcome offer, with no reverse restriction recorded; check the current offer terms.
Questions about Amex Membership Rewards
What could delay a card application for Amex Membership Rewards?
American Express applications and recent account openings can affect timing for Amex Membership Rewards. Compare the issuer-specific windows with your dates; a waiting period does not establish approval.
Do credit cards for Amex Membership Rewards have an application order?
American Express Gold Card is worth checking first: earlier American Express Platinum Card history may limit that welcome offer. An application order cannot establish eligibility on its own.
Which welcome offers for Amex Membership Rewards depend on earlier card or bonus history?
American Express Gold Card's welcome offer may depend on whether you have or had American Express Platinum Card. Check the specific event and waiting period in the offer terms before counting a welcome bonus.