American Express Card Full Offer History & When To Apply

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Offers for the American Express^® Green Card and Hilton Honors American Express Aspire Card are not available through this site. Some offers may have expired. Please see our card marketplace for available offers

Note: This post references offers that are no longer available.

Applying for a credit card is a great way to earn an outsized amount of points and miles to help fund your next trip. Taking advantage of high points offers can make the application process even sweeter.

We can't predict the future when it comes to what offers will be available and when, but we may be able to glean some insights from the past to see what a great bonus looks like and when it might be a great idea to apply for some of the most popular American Express cards.

Here are the best-ever offers on American Express cards and when it makes sense to apply, based on offer history.

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Overview

The table below highlights a wide variety of American Express cards, showcasing the best-ever offers, the spending requirement and timeframe affiliated with the offers, when those offers happened, and when we recommend you apply for these cards — based on offer history.

Two points of clarification before we dive in:

“Best Ever Offer” represents the highest publicly available point offer for the card. This does not account for targeted offers.
“When to Apply” was generated by taking the average of all of the welcome offers for any given card with respect to the amount of time that the offer has been available. Simply put, when you apply for a card that features a welcome offer equaling or exceeding the “When to Apply” amount, you can be sure you're taking advantage of a quality offer.

Credit Card	Best Ever Offer	Spend Requirement	When That Offer Happened	When To Apply
American Express^® Green Card	60,000 Membership Rewards points + 20% back on eligible travel and transit purchases	$3K spend in 6 months	May 18, 2023 — August 24, 2023	Apply for this card when the bonus is 60,000 points or greater.
American Express^® Gold Card	60,000 Membership Rewards points	$4K spend in 6 months	October 15, 2020 — October 5, 2023	Apply for this card when the bonus is 60,000 points or greater.
The Platinum Card^® from American Express	100,000 Membership Rewards points + 10X spending categories	$6K spend in 6 months	July 1, 2021 — January 20, 2022	Apply for this card when the bonus is 100,000 points or greater.
American Express^® Business Gold Card	100,000 Membership Rewards points	$15K spend in 3 months	July 25, 2024 — Ongoing	Apply for this card when the bonus is 70,000 points or greater.
The Business Platinum Card^® from American Express	150,000 Membership Rewards points + a $500 statement credit on qualifying flights	Points: $20K spend in 3 months Statement Credit: $2.5K spend in 3 months	April 17, 2025 — Ongoing	Apply for this card when the bonus is 100,000 points or greater.
Blue Cash Preferred^® Card from American Express	$350 statement credit	$3K spend in 6 months	June 9, 2022 — October 12, 2022	Apply for this card when the bonus is a $250 statement credit or greater.
Blue Cash Everyday^® Card from American Express	$200 statement credit	$2K spend in 6 months	January 27, 2023 — Ongoing	Apply for this card when the bonus is a $150 statement credit or greater.
Marriott Bonvoy Bevy^® American Express^® Card	155,000 Marriott Bonvoy points	$5K spend in 6 months	March 13, 2025 — May 15, 2025	Apply for this card when the bonus is 100,000 points or greater.
Marriott Bonvoy Brilliant^® American Express^® Card	185,000 Marriott Bonvoy points	$6K spend in 6 months	March 13, 2025 — May 15, 2025	Apply for this card when the bonus is 100,000 points or greater.
Marriott Bonvoy Business^® American Express^® Card	125,000 Marriott Bonvoy points OR 5 free nights (worth up to 50,000 points each)	$5K spend in 3 months for points $8K spend in 6 months for free night awards	Points: March 3, 2022 — May 4, 2023 Free nights: September 12, 2024 — October 16, 2024	Apply for this card when the bonus is 100,000+ points or five free nights.
Hilton Honors American Express Card	130,000 Hilton Honors points	$5K spend in 3 months	August 26, 2021 — February 3, 2022	Apply for this card when the bonus is 100,000 points or greater.
Hilton Honors American Express Surpass^® Card	130,000 Hilton Honors points + 1 Free Night Award	$3K spend in 6 months	May 23, 2024 — July 31, 2024	Apply for this card when the bonus is 130,000 points or greater.
Hilton Honors American Express Aspire Card	150,000 Hilton Honors points + 1 Free Night Reward	$4K spend in 3 months	Unknown — October 24, 2023	Apply for this card when the bonus is 150,000 points or greater.
The Hilton Honors American Express Business Card	180,000 Hilton Honors points	$10K spend in 6 months	August 26, 2021 — February 3, 2022	Apply for this card when the bonus is 130,000 points or greater.
Delta SkyMiles^® Blue American Express Card	15,000 Delta SkyMiles	$1K spend in 3 months	January 30, 2020 — April 1, 2020	Apply for this card when the bonus is 15,000 miles or greater.
Delta SkyMiles^® Gold American Express Card	80,000 Delta SkyMiles	$3K spend in 6 months	February 6, 2025 — April 2, 2025	Apply for this card when the bonus is 60,000 miles or greater.
Delta SkyMiles^® Platinum American Express Card	100,000 Delta SkyMiles	$3K spend in 3 months	October 31, 2019 — April 1, 2020	Apply for this card when the bonus is 80,000 miles or greater.
Delta SkyMiles^® Reserve American Express Card	100,000 Delta SkyMiles + 20K MQMs	$5K spend in 3 months	October 31, 2019 — April 1, 2020	Apply for this card when the bonus is 80,000 miles or greater.
Delta SkyMiles^® Gold Business American Express Card	90,000 Delta SkyMiles	$6K spend in 6 months	February 6, 2025 — April 2, 2025	Apply for this card when the bonus is 70,000 miles or greater.
Delta SkyMiles^® Platinum Business American Express Card	100,000 Delta SkyMiles	$4K spend in 3 months	June 17, 2022 — August 4, 2022	Apply for this card when the bonus is 90,000 miles or greater.
Delta SkyMiles^® Reserve Business American Express Card	110,000 Delta SkyMiles	$6K spend in 3 months	June 17, 2022 — August 4, 2022	Apply for this card when the bonus is 100,000 miles or greater.

American Express Membership Rewards and Cash-Back Cards

American Express offers a wide range of cards that earn Membership Rewards points and cards earning cash back. Here's a look at the offer history on these American Express cards.

American Express^® Green Card

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American Express^® Green Card

Annual Fee$150

Welcome Offer Earn 40,000 Membership Rewards^® Points after you spend $3,000 on purchases on your new Card in your first 6 months of Card Membership.

Why We Like It Earning Rates

The American Express^® Green Card is an excellent mid-tier travel card, offering 3X points on restaurants worldwide, transit, and travel purchases, including airfare and hotels. Unique benefits include a $189 annual CLEAR^® Plus credit for expedited airport security and a $100 LoungeBuddy Credit for airport lounge access, enhancing the travel experience. The card also boasts no foreign transaction fees, ideal for international use.

3x Membership Rewards^® on travel
3x Membership Rewards^® at restaurants worldwide, including takeout and delivery in the U.S.
3x Membership Rewards^® on transit including trains, buses, ferries, subways, and more
1x Membership Rewards^® on other purchases

The American Express^® Green Card is a strong earner for frequent travelers and restaurant visitors. For a moderate $150 annual fee , you can enjoy 3X Membership Rewards^® points on all eligible travel, plus 3X Membership Rewards^® points at restaurants worldwide, and 1X on all other eligible purchases.

Historically, welcome offers for the Amex Green Card have ranged from 30,000 to 60,000 Membership Rewards points after spending between $2,000 and $3,000 in six months.

Start Date	End Date	Welcome Offer	Spend Requirement	Spend Timeframe (Months)	Welcome Offer Perks
August 24, 2023	Ongoing	40,000	$3,000	6	None
May 18, 2023	August 24, 2023	60,000	$3,000	6	Earn 20% back on eligible travel and transit purchases
January 16, 2020	May 18, 2023	30,000	$2,000	3	None
October 24, 2019	January 16, 2020	30,000	$2,000	3	$100 credit for Away

Based on the history of publicly available offers for the Amex Green Card, it makes the most sense to apply when the welcome offer is greater than or equal to 60,000 Membership Rewards.

Related: Amex Green Card full review

American Express^® Gold Card

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Rates & Fees
(Terms apply)

American Express^® Gold Card

Annual Fee$325

Welcome Offer Earn 60,000 Membership Rewards^® Points after you spend $6,000 on eligible purchases in the first 6 months

Why We Like It Highlights Earning Rates

The American Express^® Gold Card stands out for its robust rewards, especially for food enthusiasts. It offers 4X points on dining worldwide (up to $50,000 per year, then 1X) and U.S. supermarkets (up to $25,000 per year, then 1X), and 3X points on flights booked directly with airlines or through American Express Travel. Cardholders can take advantage of multiple annual dining credits at select locations and up to $120 in Uber Cash credits for U.S. rides and Uber Eats (received as $10 monthly credits), just add your American Express^® Gold Card to your account in the Uber app and select it as the payment method. Enrollment required for select American Express benefits.

Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That's up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made at restaurants or U.S. supermarkets. Point caps and terms apply.
$84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations.
$100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
$120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
No Foreign Transaction Fees.
Annual Fee is $325.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.
Rates & Fees

4X Membership Rewards^® Points at restaurants worldwide, plus takeout and delivery in the U.S. (on up to $50,000 per year in purchases, then 1X)
4X Membership Rewards^® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X)
3X Membership Rewards^® points on flights booked directly with airlines or on amextravel.com
2X Membership Rewards^® points on prepaid hotels and other eligible travel booked on amextravel.com
1X on other eligible purchases

American Express^® Gold Card is a Membership Rewards earning powerhouse. You'll earn 4X points at at restaurants worldwide (on up to $50,000 per year, then 1X), 4X at U.S. supermarkets (on up to $25,000 per year, then 1X), 3X points on flights booked directly with airlines or on AmexTravel.com, and 2X points on prepaid hotels and other eligible purchases booked on AmexTravel.com., and 1X on all other eligible purchases. This card carries a $325 annual fee (Rates & Fees), which its many featured benefits can easily offset.

Welcome offers for the Amex Gold range between 25,000 and 60,000 Membership Rewards after spending between $2,000 and $6,000.

Start Date	End Date	Welcome Offer	Spend Requirement	Spend Timeframe (Months)
November 7, 2024	Ongoing	60,000	$6,000	6
July 25, 2024	November 6, 2024	60,000 + 20% back in statement credits on eligible purchases	$6,000	6
October 5, 2023	July 24, 2024	60,000	$6,000	6
June 16, 2022	October 5, 2023	60,000	$4,000	6
June 12, 2022	June 16, 2022	100,000	$4,000	3
October 15, 2020	June 12, 2022	60,000	$4,000	6
September 1, 2020	October 15, 2020	35,000	$4,000	3
April 1, 2020	September 1, 2020	40,000	$4,000	3
October 17, 2019	April 1, 2020	35,000	$4,000	3
January 10, 2019	October 17, 2019	35,000	$2,000	3
Unknown	January 10, 2019	25,000	$2,000	3

Applying when the welcome offer equals or exceeds 60,000 Membership Rewards makes the most sense.

Related: Amex Gold full review

The Platinum Card^® from American Express

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Rates & Fees
(Terms apply)

The Platinum Card^® from American Express

Annual Fee$695

Welcome Offer Earn 80,000 Membership Rewards^® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

Why We Like It Highlights Earning Rates

Cardholders can access more than 1400 airport lounges worldwide, take advantage of up to $200 in annual airline fee credits, up to $199 in CLEAR^® Plus credits, and TSA PreCheck^® or Global Entry fee credits. The card also includes a $200 annual hotel credit on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings (The Hotel Collection requires a minimum two-night stay), Hilton Honors and Marriott Bonvoy Gold Elite status, and a suite of benefits with Fine Hotels + Resorts^®. Additional perks include $12.95 monthly Walmart+ membership credit, up to $240 in annual digital entertainment credits, up to $300 Equinox credits, up to $200 annual Uber Cash, and up to $100 annual Saks Fifth Avenue credits. Enrollment required for select American Express benefits.

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel® up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel®.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney+ bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
With American Express Global Lounge Collection® eligible Card Members can enjoy access to over 1,400 airport lounges globally, including The Centurion® Lounge, Unlimited Delta Sky Club® Access when flying an eligible Delta flight, Escape Lounges, Lufthansa Lounges when flying Lufthansa Group, Plaza Premium, Priority Pass™ Select Lounges, & Additional Global Lounge Collection Partner Lounges subject to visit limitations. Lounges may have their own rules, like additional access rules and guest fees, and for Priority Pass Select, you need to enroll and there are unlimited airport lounge visits for Card Members. With Delta Sky Club Access, Card Members will receive 10 Visits to the Delta Sky Club to be used from February 1 until January 31 of the next calendar year and can unlock Unlimited Delta Sky Club Access by spending $75,000 in eligible purchases on their Card in a calendar year. To find a lounge, visit the membership section in the American Express® App or visit http://www.americanexpress.com/findalounge#/loungefinder.
A Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive one statement credit for up to $12.95 (plus applicable taxes. Plus Ups not eligible) each month. Free Shipping excludes most Marketplace items, freight & certain location surcharges. Paramount+ Essential plan only, separate registration required.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to your Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
$200 Uber Cash: Platinum Card® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
$199 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. Use the dedicated CLEAR Lane to confirm your identity without taking out your passport or ID - this can mean shorter lines, less waiting. Receive up to $199 in statement credits per calendar year after you pay for your CLEAR Plus Membership (subject to auto-renewal) with the Platinum Card®.
Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
Use Global Dining Access by Resy to access premium dining experiences. Receive Priority Notify and unlock insider access to some of the world's most sought-after restaurants with Global Dining Access by Resy. Download the Resy iOS app or log into Resy.com and add your Platinum Card® to your Resy profile to take advantage of your special benefits and discover restaurants near you.
$695 annual fee.¤
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.
Rates & Fees

Earn 5X points for flights booked directly with airlines or with American Express Travel^® (up to $500,000 in purchases per calendar year).
Earn 5X points on prepaid hotels booked with American Express Travel^®.

The Platinum Card^® from American Express is a premium travel card with a $695 annual fee (Rates & Fees). Despite the price tag, the Amex Platinum can be an incredible Membership Rewards earner, considering it provides 5X points on flights booked directly with airlines or with American Express Travel^® (on up to $500,000 on these purchases per calendar year) and 5X points on prepaid hotels booked on amextravel.com. Other American Express Travel purchases code as 2X while all additional spending earns 1X Membership Rewards point per dollar on eligible purchases. The card also carries many benefits, including access to the Centurion Lounge network, hotel elite status, car rental savings, and more. Enrollment is required for select Amex benefits.

Welcome offers for the Amex Platinum range from 60,000 to 100,000 Membership Rewards after spending between $5,000 and $6,000.

Start Date	End Date	Welcome Offer	Spend Requirement	Spend Timeframe (Months)	Welcome Offer Perks
August 17, 2023	Ongoing	80,000	$8,000	6	None
November 3, 2022	August 17, 2023	80,000	$6,000	6	None
January 20, 2022	November 2, 2022	100,000	$6,000	6	None
July 1, 2021	January 20, 2022	100,000	$6,000	6	10X on up to $25,000 of spending on restaurants and Shop Small businesses
November 12, 2020	July 1, 2021	75,000	$5,000	6	10X on up to $15,000 of spending on gas and U.S. supermarkets within 6 months
Unknown	November 12, 2020	60,000	$5,000	3	None

The highest publicly available offer this card ever had offered 100,000 points and up to $25,000 of spending at 10x earning rates. Given the card's offer history, applying when the welcome offer is greater than or equal to 100,000 Membership Rewards is recommended.

Related: Amex Platinum Card full review

American Express^® Business Gold Card

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Rates & Fees
(Terms apply)

American Express^® Business Gold Card

Annual Fee$375

Welcome Offer Earn 100,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*

Why We Like It Highlights Earning Rates

The American Express^® Business Gold Card offers 4X points on the top 2 spending eligible categories per billing cycle, 3X points on flights and pre-paid hotels booked on AmexTravel.com, and 1X points on other eligible purchases. Cardholders can earn up to $240 back annually for eligible purchases at FedEx, Grubhub, and U.S. Office Supply Stores, and up to $155 annually for Walmart+ membership costs, enhancing the card's appeal for varied business spending. Enrollment required for select American Express benefits.

Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 27.49% variable APR.*
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
*Terms Apply
Rates & Fees

Get 4X Membership Rewards^® points on the 2 eligible categories where your business spent the most each billing cycle from the list below:

U.S. purchases for advertising in select media (online, TV, radio)
U.S. purchases made from electronic goods retailers and software & cloud system providers
U.S. purchases at gas stations
U.S. purchases at restaurants, including takeout and delivery
Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.

*4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year; then earn 1 point per dollar.

The American Express^® Business Gold Card offers an attractive 4X Membership Rewards earn rate on the top two categories your business spends the most each billing cycle (up to $150,000 of bonus spending annually, then 1X) and 1X on all other eligible purchases. Possible spending categories include airfare purchased directly from airlines, U.S. purchases at gas stations, U.S. purchases at restaurants, and much more.

Welcome offers for the Amex Business Gold range from 35,000 to 100,000 Membership Rewards after spending between $5,000 and $15,000.

Start Date	End Date	Welcome Offer	Spend Requirement	Spend Timeframe (Months)	Welcome Offer Perks
July 25, 2024	Ongoing	100,000	$15,000	3	None
April 8, 2021	July 24, 2024	70,000	$10,000	3	None
February 11, 2021	April 8, 2021	70,000	$10,000	3	Earn up to $300 in statement credits with eligible U.S. shipping and advertising purchases
November 7, 2019	February 11, 2021	35,000	$5,000	3	None
August 8, 2019	November 7, 2019	$500	$500	3	Earn up to $500 back with FedEx
March 21, 2019	August 8, 2019	35,000	$5,000	3	None

The highest publicly available offer ever seen on this card requires spending $15,000 in the first three months of cardmembership to earn 100,000 Membership Rewards points. Based on the offer history, applying when the welcome offer is greater than or equal to 70,000 Membership Rewards is a great idea.

The Business Platinum Card^® from American Express

Learn More
Rates & Fees
(Terms apply)

The Business Platinum Card^® from American Express

Annual Fee$695

Welcome Offer Limited Time Travel Offer: Earn 150,000 Membership Rewards^® points after you spend $20,000 on eligible purchases on your Business Platinum Card^® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel^® with your Business Platinum Card^® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.

Why We Like It Highlights Earning Rates

The Business Platinum Card^® from American Express is a powerhouse for business travelers, offering cardholders up to $400 in yearly Dell Technologies credits, $360 with Indeed, $150 for Adobe business plans, and $120 for U.S. wireless services. The card includes extensive lounge access, a $200 airline fee credit each year, up to $199 CLEAR^® Plus credit, Marriott Bonvoy™ and Hilton Honors Gold Statuses, exclusive Fine Hotels + Resorts benefits, and a TSA PreCheck^® or Global Entry fee credit. Enrollment required for select American Express benefits.

Limited Time Travel Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
NEW! Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com. 1X points on other eligible purchases.
Earn 1.5X points (that's an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
$199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
$695 Annual Fee.
Terms Apply.
Rates & Fees

Earn 5X Membership Rewards^® points on flights and prepaid hotels on amextravel.com.
Earn 1.5X Membership Rewards^® points on each eligible purchase of $5,000 or more.
Earn 1.5X Membership Rewards^® points on each eligible purchase with U.S. construction material and hardware suppliers.
Earn 1.5X Membership Rewards^® points on each eligible purchase with U.S. electronic goods retailers and software & cloud system providers.
Earn 1.5X Membership Rewards^® points on each eligible purchase with U.S. shipping providers.
1.5X earning rates are subject to a cap of $2 million in purchases per calendar year.

The Business Platinum Card^® from American Express carries a hefty $695 annual fee (Rates & Fees). However, the Business Platinum Card earns 1.5X on purchases in key business categories and on purchases of $5,000 or more (up to $2 million of these purchases annually, then 1X) alongside a powerful 5X on flights and prepaid hotels booked on AmexTravel.com. The card provides statement credits with Dell, Adobe, Indeed, and many other businesses that can provide north of $1,000 in value. The large number of perks also coincides with access to the Global Lounge Collection, a $200 airline fee credit, and a CLEAR^® Plus credit. Enrollment is required for select Amex benefits.

Welcome offers for the Business Platinum Card range from 75,000 to 150,000 Membership Rewards after spending $20,000.

Start Date	End Date	Welcome Offer	Spend Requirement	Spend Timeframe (Months)	Welcome Offer Perks
April 17, 2025	Ongoing	150,000	$20,000	3	Earn a $500 statement credit after you spend $2,500 on qualifying flights within the first 3 months of Card Membership
April 26, 2024	April 16, 2025	150,000	$20,000	3	None
October 14, 2021	April 26, 2024	120,000	$15,000	3	None
April 8, 2021	October 14, 2021	100,000	$15,000	3	None
January 11, 2021	April 8, 2021	85,000	$15,000	3	None
March 26, 2020	January 11, 2021	75,000	$15,000	3	None
December 5, 2019	March 26, 2020	75,000	$20,000	3	50,000 points after $10,000 of spending; 25,000 points after additional $10,000 of spending
September 5, 2019	December 5, 2019	100,000	$25,000	3	50,000 points after $10,000 of spending; 50,000 points after additional $15,000 of spending
Unknown	September 5, 2019	75,000	$20,000	3	50,000 points after $10,000 of spending; 25,000 points after additional $10,000 of spending

The highest publicly available offer ever for the card is currently ongoing: 150,000 after you spend $20,000 on eligible purchases within your first 3 months of Card Membership, plus a $500 statement credit after you spend $2,500 on qualifying flights within the first 3 months of Card Membership (offer ends 6/30/25). However, given the frequency of offers north of 100,000 Membership Rewards, it's advisable to take advantage of a welcome offer equaling or exceeding 100,000 Membership Rewards.

Blue Cash Preferred^® Card from American Express

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Rates & Fees
(Terms apply)

Blue Cash Preferred^® Card from American Express

Annual Fee$0 intro annual fee for the first year, then $95

Welcome Offer Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

Why We Like It Highlights Earning Rates

The Blue Cash Preferred^® Card from American Express cash back powerhouse for everyday spending. Key features include 6% cash back at U.S. supermarkets (up to $6,000 per year, then 1%) and on select streaming subscriptions, plus 3% back at U.S. gas stations and on transit purchases.

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments with a fixed fee. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 20.24% - 29.24%.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
$84 Disney Bundle Credit: With your enrolled Blue Cash Preferred® Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.
Rates & Fees

6% Cash Back on select U.S. streaming subscriptions
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
3% Cash Back at U.S. gas stations
1% Cash Back on other purchases
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

The Blue Cash Preferred^® Card from American Express earns 6% cash back on select U.S. streaming subscriptions, plus 6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 3% at U.S. gas stations, and 3% on transit including taxis/rideshare, parking, tolls, trains, buses and more, and 1% on all other eligible purchases (issued as Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout). The card has no annual fee for the first year but will jump to $95 in years two and beyond. The Blue Cash Preferred includes annual credits worth up to $84 for the Disney Bundle. Enrollment is required for select Amex benefits.

Welcome offers for the Blue Cash Preferred range from a $150 to $350 statement credit after spending $3,000 in eligible purchases.

Start Date	End Date	Welcome Offer	Spend Requirement	Spend Timeframe (Months)	Welcome Offer Perks
October 12, 2022	Ongoing	$250	$3,000	6	$0 intro annual fee for the first year, then $95
June 9, 2022	October 12, 2022	$350	$3,000	6	None
September 30, 2021	June 9, 2022	$300	$3,000	6	Introductory APR and introductory Buy Now, Pay Later Plan It^® Fees
May 6, 2021	September 30, 2021	$150	$3,000	6	20% back on Amazon in first 6 months — up to $200 back
February 18, 2021	May 6, 2021	$300	$3,000	6	None
December 10, 2020	February 18, 2021	$250	$1,000	3	None
October 8, 2020	December 10, 2020	$300	$3,000	6	None
May 9, 2019	October 8, 2020	$250	$1,000	3	None
Unknown	May 9, 2019	$200	$1,000	3	None

The highest publicly available offer ever offered on the Blue Cash Preferred gave a $350 statement credit after $3,000 in spending. Based on the history of publicly available offers, we recommend applying when the welcome offer is greater than or equal to a $250 statement credit.

Blue Cash Everyday^® Card from American Express

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Rates & Fees
(Terms apply)

Blue Cash Everyday^® Card from American Express

Annual Fee$0

Welcome Offer Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

Why We Like It Highlights Earning Rates

The Blue Cash Everyday is a solid, no-annual-fee cashback card for anyone who spends a lot on groceries and gas.

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 20.24% to 29.24% variable APR.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.
Rates & Fees

3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
3% cash back at U.S. gas stations (on up to $6,000 per year, then 1%)
3% cash back with U.S. online retailers (on up to $6,000 per year, then 1%)
1% back on other purchases
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

The Blue Cash Everyday also earns cash back as a statement credit. With the card, you will earn 3% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 3% cash back on up to $6,000 of U.S. online retail purchases per year (then 1%), 3% cash back at U.S. gas stations on up to $6,000 of purchases per year (then 1%), and 1% cash back on other purchases (issued as Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout). The card carries no annual fee (Rates & Fees) and offers additional featured benefits, such as up to $84 Disney Bundle credit and up to a $180 Home Chef credit. Enrollment is required for select Amex benefits.

Welcome offers for the Blue Cash Everyday span from a $100 to $200 statement credit after spending between $1,000 and $2,000. Offers have also included an introductory APR and 20% back at Amazon.

Start Date	End Date	Welcome Offer	Spend Requirement	Spend Timeframe (Months)	Welcome Offer Perks
January 27, 2023	Ongoing	$200	$2,000	3	Introductory APR for 15 months
October 20, 2022	January 27, 2023	$100	$2,000	6	Introductory APR & 20% back (up to $150 back) when you shop with PayPal
September 30, 2021	October 20, 2022	$200	$2,000	3	Introductory APR & introductory Buy Now, Pay Later Plan It^® fees
May 6, 2021	September 30, 2021	$100	$2,000	6	20% back on Amazon in the first 6 months — up to $150 back
February 11, 2021	May 6, 2021	$200	$1,000	3	None
November 12, 2020	February 11, 2021	$100	$1,000	6	20% back on Amazon in the first 6 months — up to $200 back
October 8, 2020	November 12, 2020	$200	$1,000	3	None
October 31, 2019	October 8, 2020	$150	$1,000	3	None

Given the historical range of publicly available offers for the Blue Cash Everyday, applying when the welcome offer is greater than or equal to a $150 statement is your best bet.

Marriott Bonvoy Cards

Both Chase and American Express issue Marriott Bonvoy co-branded cards, which can result in some confusing eligibility rules for welcome bonuses. Here's a look at the offer history on the American Express cards earning Marriott points.

Marriott Bonvoy Bevy^® American Express^® Card

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Rates & Fees
(Terms Apply)

Marriott Bonvoy Bevy^® American Express^® Card

Annual Fee$250

Welcome Bonus Earn up to 135,000 Marriott Bonvoy^® bonus points. Earn 85,000 points after you spend $5,000 and an extra 50,000 points after you spend an additional $2,000 in purchases on the Card within your first 6 months of Card Membership.

Why We Like It Highlights Earning Rates

The Marriott Bonvoy Bevy^® American Express^® Card delivers a Free Night Award after spending $15,000 in a calendar year, applicable for one night at hotels in the Marriott Bonvoy program (up to 50,000 points), and receive complimentary Gold Elite status. Enrollment required for select American Express benefits.

Earn up to 135,000 Marriott Bonvoy® bonus points. Earn 85,000 points after you spend $5,000 and an extra 50,000 points after you spend an additional $2,000 in purchases on the Card within your first 6 months of Card Membership.
Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®.
Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).
Earn 2X points on all other eligible purchases.
Marriott Bonvoy® 1K Bonus Points Per Stay: Earn 1,000 Marriott Bonvoy® bonus points per paid eligible stay booked directly with Marriott for properties participating in Marriott Bonvoy®.
With complimentary Marriott Bonvoy® Gold Elite Status, earn up to 2.5X points from Marriott Bonvoy® on eligible hotel purchases with the 25% Bonus Points on stays benefit.
Marriott Bonvoy Bevy® Free Night Award: Earn 1 Free Night Award after spending $15,000 on eligible purchases on your Marriott Bonvoy Bevy® Card in a calendar year. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy® points) at a hotel participating in Marriott Bonvoy®. Certain hotels have resort fees.
15 Elite Night Credits: Each calendar year with your Marriott Bonvoy Bevy® American Express® Card you can receive 15 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy® member account. Benefit is not exclusive to Cards offered by American Express.
Plan It® is a payment option that lets you split up purchases of $100 or more into equal monthly installments with a fixed fee. Plus, you'll still earn rewards the way you usually do.
$250 Annual Fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.
Rates & Fees

6X points on purchases at hotels participating in Marriott Bonvoy
4X points on up to $15,000 in combined purchases per year at restaurants worldwide and at U.S. supermarkets
2X points on all other eligible purchases

The Marriott Bonvoy Bevy Card offers an attractive 6X points on hotel purchases at hotels participating in Marriott Bonvoy, 4X at restaurants worldwide and U.S. supermarkets (up to $15,000 of these purchases annually), and 2X per dollar on all other eligible purchases. The $250 annual fee may be tolerable, given the 1,000 bonus points you'll earn on each Marriott stay, complimentary Gold Elite status, 15 Elite Night credits (to help you attain higher status tiers), and the ability to earn a free night award (worth up to 50,000 points) after spending $15,000 on purchases in a calendar year.

Amex launched the Marriott Bonvoy Bevy Card in September of 2022. Welcome offers since then have ranged from 85,000 to 155,000 Marriott Bonvoy points after spending between $4,000 and $5,000.

Start Date	End Date	Welcome Offer	Spend Requirement	Spend Timeframe (Months)	Welcome Offer Perks
May 15, 2025	Ongoing	135,000	$7,000	6	Earn 85,000 points after you spend $5,000 in purchases and an extra 50,000 points after you spend an additional $2,000 within the first 6 months of card membership
March 13, 2025	May 14, 2025	155,000	$5,000	6	None
October 3, 2024	March 12, 2025	85,000	$5,000	6	None
August 8, 2024	October 2, 2024	155,000	$5,000	6	None
May 2, 2024	August 7, 2024	85,000	$5,000	6	None
February 29, 2024	May 1, 2024	155,000	$5,000	6	None
November 1, 2023	February 29, 2024	85,000	$5,000	6	None
September 21, 2023	November 1, 2023	125,000	$5,000	6	None
August 10, 2023	September 21, 2023	85,000	$5,000	6	None
June 8, 2023	August 10, 2023	125,000	$5,000	6	Earn 50,000 Marriott Bonvoy bonus points after six eligible paid nights at hotels participating in Marriott Bonvoy through 1/31/24
January 12, 2023	June 8, 2023	85,000	$4,000	3	None
September 22, 2022	January 11, 2023	125,000	$4,000	3	None

Based on the history of publicly available offers for the Marriott Bonvoy Bevy Card, it makes the most sense to apply when the welcome offer equals or exceeds 100,000 Marriott Bonvoy points.

Marriott Bonvoy Brilliant^® American Express^® Card

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Rates & Fees
(Terms Apply)

Marriott Bonvoy Brilliant^® American Express^® Card

Annual Fee$650

Welcome Offer Earn up to 150,000 Marriott Bonvoy^® bonus points. Earn 100,000 points after you spend $6,000 and an extra 50,000 points after you spend an additional $2,000 in purchases on the Card within your first 6 months of Card Membership.

Why We Like It Highlights Earning Rates

The Marriott Bonvoy Brilliant^® American Express^® Card offers plenty of value for Marriott enthusiasts: up to $300 yearly in dining credits, Marriott Bonvoy Platinum Elite status, and a Free Night Award valued at up to 85K points after every card renewal. Earn 6X points at Marriott hotels, 3X on dining and direct airline bookings, and 2X on other purchases. Additional perks include a $100 property credit at select Marriott brands, Global Entry/TSA PreCheck fee credit, 25 annual Elite Night Credits, and a Priority Pass Select membership. Enrollment required for select American Express benefits.

Earn up to 150,000 Marriott Bonvoy® bonus points. Earn 100,000 points after you spend $6,000 and an extra 50,000 points after you spend an additional $2,000 in purchases on the Card within your first 6 months of Card Membership.
$300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.
With Marriott Bonvoy® Platinum Elite Status, you can receive room upgrades, including enhanced views or suites, when the stay is booked with a Qualifying Rate at hotels that participate in Marriott Bonvoy, subject to availability upon check-in.
Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. Earn 3X Marriott Bonvoy® points at restaurants worldwide and on flights booked directly with airlines and 2X Marriott Bonvoy® points on all other eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card.
Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Brilliant Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
$100 Marriott Bonvoy® Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($120) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express.
Enroll in Priority Pass Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
No Foreign Transaction Fees on international purchases.
With Cell Phone Protection*, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. *Coverage is provided by New Hampshire Insurance Company, an AIG Company.
$650 Annual Fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.
Rates & Fees

6X points on purchases at Marriott Properties
3X points at restaurants worldwide, including takeout and delivery
3X points on flights booked directly with airlines
2X points on all other eligible purchases

The Marriott Bonvoy Brilliant Card carries a high annual fee of $650 (Rates & Fees) but packs substantial benefits to offset the steep price tag. The card includes $25 in monthly statement credits for eligible purchases made at restaurants worldwide, an annual free night award (worth up to 85,000 points), and complimentary Platinum Elite status, among many more. You'll also get 25 Elite Night Credits in your account annually. Enrollment is required for select Amex benefits.

The card underwent multiple changes in 2022, and welcome offers range from 75,000 to 185,000 Marriott Bonvoy points after spending between $3,000 and $6,000.

Start Date	End Date	Welcome Offer	Spend Requirement	Spend Timeframe (Months)	Welcome Offer Perks
May 15, 2025	Ongoing	150,000	$8,000	6	Earn 100,000 points after you spend $6,000 in purchases and an extra 50,000 points after you spend an additional $2,000 within the first 6 months of card membership
March 13, 2025	May 14, 2025	185,000	$6,000	6	None
October 3, 2024	March 12, 2025	95,000	$6,000	6	None
August 8, 2024	October 2, 2024	185,000	$6,000	6	None
May 2, 2024	August 7, 2024	95,000	$6,000	6	None
February 29, 2024	May 1, 2024	185,000	$6,000	6	None
November 2, 2023	February 29, 2024	95,000	$6,000	6	None
September 21, 2023	November 1, 2023	2 Free Night Awards (worth up to 85,000 points each)	$6,000	6	None
August 10, 2023	September 21, 2023	95,000	$6,000	6	None
June 8, 2023	August 10, 2023	150,000	$6,000	6	Earn 50,000 Marriott Bonvoy bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy through 1/31/24
January 12, 2023	June 8, 2023	95,000	$4,000	3	None
May 19, 2022	January 11, 2023	75,000	$3,000	3	None
April 22, 2022	May 18, 2022	100,000	$5,000	3	1 Free Night Award (up to 85K points)
February 18, 2022	April 22, 2022	75,000	$3,000	3	None
November 4, 2021	February 18, 2022	75,000	$3,000	3	Up to $200 back at U.S. restaurants within 6 months
September 28, 2021	November 3, 2021	150,000	$5,000	3	1 Free Night Award (up to 85K points)
May 13, 2021	September 28, 2021	75,000	$3,000	3	Up to $200 back at U.S. restaurants within 6 months
March 18, 2021	May 13, 2021	125,000	$5,000	3	Up to $200 back at U.S. restaurants within 6 months
January 14, 2021	March 18, 2021	75,000	$3,000	3	None
October 15, 2020	January 14, 2021	125,000	$6,000	3	25,000 Marriott Bonvoy points on account anniversary

Given the historical range of publicly available offers for the Marriott Bonvoy Brilliant Card, it makes the most sense to apply when the welcome offer is greater than or equal to 100,000 Marriott Bonvoy points.

Marriott Bonvoy Business^® American Express^® Card

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Rates & Fees
(Terms apply)

Marriott Bonvoy Business^® American Express^® Card

Annual Fee$125

Welcome Bonus Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership.

Why We Like It Highlights Earning Rates

The Marriott Bonvoy Business^® American Express^® Card offers a suite of benefits ideal for frequent travelers and Marriott loyalists. Key benefits include complimentary Marriott Bonvoy Gold Elite status, offering perks like late checkout and bonus points on stays. Cardholders also enjoy a 7% discount on eligible Marriott bookings, 15 Elite Night Credits annually, a Free Night Award each year post-renewal, and an additional Free Night Award after $60,000 annual spend. Enrollment is required for select Amex benefits.

WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
Terms apply.
Rates & Fees

6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy^® program.
4x Marriott Bonvoy points on each dollar of eligible purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping
2x Marriott Bonvoy Business^® American Express^® Card points per dollar on all other eligible purchases

Carrying a $125 annual fee (Rates & Fees), the Marriott Bonvoy Business Card offers a quality earning structure: 6x points at hotels participating in the Marriott Bonvoy^® program, 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping, and 2x points on all other eligible purchases. Featured benefits include a 7% room rate discount when you book directly with Marriott Bonvoy, complimentary Gold Elite status, 15 Elite Night Credits towards the next level of Marriott Bonvoy status, and a free night worth up to 35,000 points on each account anniversary. Enrollment is required for select Amex benefits.

Welcome offers for the Marriott Bonvoy Business Card come in the form of bonus points or free night certificates. Points offers range from 75,000 to 125,000 Marriott Bonvoy points after spending between $3,000 and $8,000, and free night offers range from 3 free nights (each worth up to 50,000 points) to as high as five free nights after spending between $6,000 and $8,000.

Start Date	End Date	Welcome Offer	Spend Requirement	Spend Timeframe (Months)	Welcome Offer Perks
March 13, 2025	Ongoing	3 Free Night Awards (worth up to 50,000 points each)	$6,000	6	None
February 6, 2025	March 12, 2025	125,000	$8,000	6	None
October 17, 2024	February 5, 2025	3 Free Night Awards (worth up to 50,000 points each)	$6,000	6	None
September 12, 2024	October 16, 2024	5 Free Night Awards (worth up to 50,000 points each)	$8,000	6	None
July 11, 2024	September 12, 2024	3 Free Night Awards (worth up to 50,000 points each)	$6,000	6	None
May 23, 2024	July 11, 2024	5 Free Night Awards (worth up to 50,000 points each)	$8,000	6	None
March 21, 2024	May 23, 2024	3 Free Night Awards (worth up to 50,000 points each)	$6,000	6	None
February 15, 2024	March 20, 2024	5 Free Night Awards (worth up to 50,000 points each)	$8,000	6	None
November 2, 2023	February 15, 2024	3 Free Night Awards (worth up to 50,000 points each)	$6,000	6	None
September 8, 2023	November 1, 2023	125,000	$8,000	6	None
August 4, 2023	September 8, 2023	3 Free Night Awards (worth up to 50,000 points each)	$6,000	3	None
May 4, 2023	August 4, 2023	75,000	$3,000	3	None
March 3, 2022	May 4, 2023	125,000	$5,000	3	None
November 3, 2022	March 3, 2022	75,000	$3,000	3	None
September 22, 2022	November 3, 2022	100,000	$4,000	3	None
September 1, 2022	September 22, 2022	75,000	$3,000	3	None
July 21, 2022	September 1, 2022	125,000	$5,000	3	None
May 19, 2022	July 21, 2022	75,000	$3,000	3	None
April 7, 2022	May 19, 2022	100,000	$5,000	3	$150 statement credit
November 4, 2021	April 7, 2022	75,000	$3,000	3	2X Free Night Awards (worth up to 50,000 points each)
September 23, 2021	November 4, 2021	125,000	$5,000	3	$150 statement credit
May 13, 2021	September 23, 2021	75,000	$3,000	3	$150 statement credit
March 18, 2021	May 13, 2021	100,000	$5,000	3	$150 statement credit
February 18, 2021	March 18, 2021	75,000	$3,000	3	$150 statement credit
January 14, 2021	February 18, 2021	75,000	$3,000	3	None
October 15, 2020	January 14, 2021	100,000	$5,000	3	None
April 25, 2019	October 15, 2020	75,000	$3,000	3	None
March 28, 2019	April 25, 2019	100,000	$5,000	3	None
Unknown	March 28, 2019	100,000	$5,000	3	None

Based on the offer history, we recommend applying for the Marriott Bonvoy Business Card when the welcome offer is 100,000+ points or five free nights.

Hilton Honors Cards

Hilton Honors American Express Card

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Rates & Fees
(Terms apply)

Hilton Honors American Express Card

Annual Fee$0

Welcome Offer Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Card in your first 6 months of Card Membership.

Why We Like It Highlights Earning Rates

The Hilton Honors American Express Card is a rewarding option if you only spend a few nights with Hilton each year, with no annual fee. It offers 7X Hilton Honors Bonus Points on purchases at hotels and resorts within the Hilton portfolio. Cardholders also earn 5X points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, and 3X points on all other eligible purchases. A major perk is the complimentary Hilton Honors Silver status, which provides a 20% bonus on all Base Points earned during stays, accelerating the journey to free nights. Enrollment required for select American Express benefits.

Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Card in your first 6 months of Card Membership.
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 3X Points for all other eligible purchases on your Card.
Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
No Annual Fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.
Rates & Fees

Earn 7X Points per dollar on eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands
Earn 5X Points per dollar on eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations
Earn 3X Points for all other eligible purchases on your Card.

The Hilton Honors American Express Card features respectable earning categories for a no-annual-fee product (Rates & Fees). The card earns 7X points per dollar at hotels or resorts within the Hilton Honors portfolio, 5X points per dollar at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, and 3X points for all other eligible purchases. Additional benefits include complimentary Hilton Honors Silver status, giving access to a fifth night free on award bookings available to anyone with any tier of Hilton Honors status. Enrollment is required for select Amex benefits.

Welcome offers for the Hilton Amex range from 70,000 to 130,000 Hilton Honors Points after spending between $1,000 and $5,000.

Start Date	End Date	Welcome Offer	Spend Requirement	Spend Timeframe (Months)	Welcome Offer Perks
April 30, 2025	Ongoing	80,000	$2,000	6	None
February 27, 2025	April 29, 2025	70,000	$2,000	6	1 Free Night Reward
January 9, 2025	February 26, 2025	80,000	$2,000	6	None
September 19, 2024	January 8, 2025	100,000	$2,000	6	None
August 1, 2024	September 18, 2024	80,000	$2,000	6	None
May 23, 2024	July 31, 2024	70,000	$2,000	6	1 Free Night Reward
April 18, 2024	May 23, 2024	80,000	$2,000	6	None
March 7, 2024	April 17, 2024	100,000	$2,000	6	None
January 18, 2024	March 6, 2024	80,000	$2,000	6	None
October 19, 2023	January 18, 2024	100,000	$2,000	6	None
July 20, 2023	October 19, 2023	80,000	$1,000	3	None
May 12, 2023	July 20, 2023	70,000	$1,000	3	1 Free Night Reward
April 6, 2023	May 12, 2023	80,000	$1,000	3	None
February 10, 2023	April 6, 2023	100,000	$2,000	3	None
October 27, 2022	February 10, 2023	80,000	$1,000	3	None
August 30, 2022	October 26, 2022	100,000	$1,000	3	Up to $100 in statement credits (at Hilton Hotels)
July 7, 2022	August 29, 2022	80,000	$1,000	3	None
May 19, 2022	July 6, 2022	100,000	$1,000	3	Up to $100 in statement credits (at Hilton Hotels)
April 1, 2022	May 19, 2022	80,000	$1,000	3	None
February 3, 2022	April 1, 2022	70,000	$1,000	3	1 Free Night Reward
August 26, 2021	February 3, 2022	130,000	$5,000	3	80,000 points after spending $1,000 in 3 months + 50,000 points after spending $5,000 in 3 months
July 15, 2021	August 26, 2021	100,000	$1,000	3	$100 statement credit with first purchase
May 6, 2021	July 15, 2021	130,000	$5,000	3	80,000 points after spending $1,000 in 3 months + 50,000 points after spending $5,000 in 3 months
March 25, 2021	May 6, 2021	80,000	$1,000	3	None
January 28, 2021	March 25, 2021	100,000	$1,000	3	$100 statement credit with first purchase
September 24, 2020	January 28, 2021	80,000	$1,000	3	None
August 29, 2019	September 24, 2020	75,000	$1,000	3	None
July 17, 2019	August 29, 2019	90,000	$2,000	3	None

Given the vast range of publicly available offers for the Hilton Amex, it makes the most sense to apply when the welcome offer is greater than or equal to 100,000 Hilton Honors points and the spending requirement is minimal.

Related: Hilton Amex full review

Hilton Honors American Express Surpass^® Card

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Rates & Fees
(Terms Apply)

Hilton Honors American Express Surpass^® Card

Annual Fee$150

Welcome Offer Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass^® Card in your first 6 months of Card Membership.

Why We Like It Highlights Earning Rates

The Hilton Honors American Express Surpass^® Card is tailored for Hilton loyalists seeking valuable perks without a high annual fee. It delivers cardholders 12X Hilton Honors points on direct Hilton purchases, and 6X points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, enhancing everyday spending. A valuable feature is the complimentary Gold status in the Hilton Honors program, which includes access to room upgrades and bonus points. Additionally, spending $15,000 on purchases in a calendar year earns a free night reward, adding significant value to the card. This card balances robust rewards with a moderate annual fee, making it a strong contender for regular Hilton guests (Enrollment required for select American Express benefits).

Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.
Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That's up to $200 in statement credits annually.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 4X Points for each dollar on U.S. Online Retail Purchases.
Earn 3X Points for all other eligible purchases on your Card.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
Enjoy complimentary Hilton Honors ™ Gold Status with your Hilton Honors American Express Surpass® Card.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors™ Diamond Status through the end of the next calendar year.
As a Hilton Honors American Express Surpass® Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you're enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
$150 annual fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.
Rates & Fees

12X bonus points for each dollar of eligible purchases charged on your card directly with a hotel or resort within the Hilton portfolio
6X bonus points for each dollar of eligible purchases on your card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations
4X bonus points on U.S online retail purchases
3X bonus points for all other eligible purchases on your card

The Hilton Honors American Express Surpass^® Card is a strong earner with a moderate $150 annual fee(Rates & Fees). The card nets 12X points per dollar at hotels or resorts within the Hilton Portfolio, 6X points per dollar at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, 4X points per dollar on U.S online retail purchases, plus 3X points for all other eligible purchases on your Card. Cardmembers are also granted Hilton Honors Gold status and can earn a Free Night Reward after spending $15,000 on the card within a calendar year. Enrollment is required for select Amex benefits.

Welcome offers for the Hilton Surpass range from 125,000 to 180,000 Hilton Honors points after spending between $2,000 and $10,000.

Start Date	End Date	Welcome Offer	Spend Requirement	Spend Timeframe (Months)	Welcome Offer Perks
April 30, 2025	Ongoing	130,000	$3,000	6	None
February 27, 2025	April 29, 2025	130,000	$3,000	6	1 Free Night Reward
January 9, 2025	February 26, 2025	130,000	$3,000	6	None
September 19, 2024	January 8, 2025	165,000	$3,000	6	None
August 1, 2024	September 18, 2024	130,000	$3,000	6	None
May 23, 2024	July 31, 2024	130,000	$3,000	6	1 Free Night Reward
April 18, 2024	May 23, 2024	130,000	$3,000	6	None
March 7, 2024	April 17, 2024	155,000	$3,000	6	None
January 18, 2024	March 6, 2024	130,000	$3,000	6	None
October 24, 2023	January 18, 2024	170,000	$3,000	6	None
September 26, 2023	October 24, 2023	130,000	$2,000	3	None
Unknown	September 26, 2023	130,000	$2,000	3	1 Free Night Reward
February 10, 2023	Unknown	150,000	$3,000	3	None
August 26, 2021	February 9, 2023	180,000	$10,000	6	130,000 points after spending $2,000 in 3 months + 50,000 points after spending $10,000 in 6 months.
March 25, 2021	August 26, 2021	130,000	$2,000	3	None
January 28, 2021	March 25, 2021	150,000	$2,000	3	$150 statement credit with first purchase
September 24, 2020	January 28, 2021	130,000	$2,000	3	None
August 29, 2019	September 24, 2020	125,000	$2,000	3	None
July 17, 2019	August 29, 2019	130,000	$4,000	3	1 Free Night Reward
Unknown	July 17, 2019	125,000	$2,000	3	None

Considering past offers, it makes the most sense to apply for the Hilton Surpass when the welcome offer is greater than or equal to 130,000 Hilton Honors points and the spending requirement is on the lower end of the $2,000 to $10,000 range.

Related: Hilton Surpass full review

Hilton Honors American Express Aspire Card

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Hilton Honors American Express Aspire Card

Annual Fee$550

Welcome Offer Earn 150,000 Bonus Points after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership.

Why We Like It Earning Rates

The Hilton Honors American Express Aspire Card adds a huge amount of value for Hilton fans. The cards standout feature is complimentary Diamond status in the Hilton Honors program, offering top-tier benefits like room upgrades and bonus points. Cardholders also enjoy an annual Free Night Reward, up to $400 in Hilton resort statement credits, and up to $200 flight credits each year. This card also includes 14X points on Hilton purchases, making it highly rewarding for hotel stays. The generous benefits and earning rates make this card a compelling choice if you regularly stay at Hilton properties.

14X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
7X Hilton Honors Bonus Points on flights booked directly with airlines or amextravel.com, car rentals booked directly through select rental companies, and at U.S. restaurants
3X Hilton Honors Bonus Points for all other eligible purchases on your Card

The Hilton Honors American Express Aspire Card is easily the most premium product within the Hilton card portfolio, thanks to its perks and corresponding annual fee. The annual fee begins to sound reasonable considering the excellent 14X earn rate on hotel and resort purchases within the Hilton portfolio, 7X on flights booked directly with airlines or at AmexTravel.com, 7X on dining at U.S. restaurants, 7X on car rentals booked directly from select rental companies, and 3X on all other eligible purchases. It's hard to beat complimentary Diamond status combined with $400 in annual resort credits, $100 Hilton on-property credit at select properties, and $200 in annual flight statement credits, as well as a free night reward on each account anniversary. Enrollment is required for select Amex benefits.

Start Date	End Date	Welcome Offer	Spend Requirement	Spend Timeframe (Months)	Welcome Offer Perks
May 1, 2025	Ongoing	150,000	$6,000	6	None
February 27, 2025	April 30, 2025	175,000	$6,000	6	None
August 5, 2024	February 26, 2025	150,000	$6,000	6	None
May 23, 2024	August 5, 2024	175,000	$6,000	6	None
April 24, 2024	May 23, 2024	150,000	$6,000	6	None
March 12	April 23, 2024	175,000	$6,000	6	None
January 26, 2024	March 11, 2024	150,000	$6,000	6	None
October 25, 2023	January 25, 2024	180,000	$6,000	6	1 Free Night Reward after spending $30,000 on purchases in a calendar year
Unknown	October 24, 2023	150,000	$4,000	3	1 Free Night Reward on approval

The welcome offer for the Hilton Aspire hasn't varied much. Until American Express changes the welcome offer for the card, it makes the most sense to apply when the welcome offer is greater than or equal to 150,000 Hilton Honors points.

Related: Hilton Aspire full review

The Hilton Honors American Express Business Card

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Rates & Fees
(Terms apply)

The Hilton Honors American Express Business Card

Annual Fee$195

Welcome Offer Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.

Why We Like It Highlights Earning Rates

Benefits include up to $240 in statement credits at Hilton Properties each year ($60 per quarter), complimentary Hilton Honors™ Gold Status and the ability to earn Hilton Diamond status by making $40,000 in annual purchases. Cardholders also get complimentary elite status with National Car Rental. Enrollment is required for select American Express benefits.

Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors™ Gold Status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay.
You may receive an upgrade to Hilton Honors™ Diamond Status through the end of the calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
As a Hilton Honors American Express Business Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you're enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
Terms apply.
Rates & Fees

12X Hilton Honors points on purchases made directly with hotels and resorts in the Hilton portfolio
5X Hilton Honors points on the first $100,000 spent per calendar year on other eligible purchases; 3X thereafter

Aimed at small business owners, The Hilton Honors American Express Business Card accrues 12X at hotels and resorts in the Hilton portfolio, 5X on other eligible purchases (up to the first $100,000 spent per calendar year; 3x points thereafter).

Welcome offers for the Hilton Business Card range from 125,000 to 180,000 Hilton Honors points after spending between $3,000 and $10,000.

Start Date	End Date	Welcome Offer	Spend Requirement	Spend Timeframe (Months)	Welcome Offer Perks
April 30, 2025	Ongoing	130,000	$6,000	6	None
February 27, 2025	April 29, 2025	175,000	$8,000	6	None
January 9, 2025	February 26, 2025	130,000	$6,000	6	None
September 19, 2024	January 8, 2025	175,000	$8,000	6	None
June 6, 2024	September 18, 2024	130,000	$6,000	6	None
March 28, 2024	June 5, 2024	175,000	$8,000	6	None
July 20, 2023	March 27, 2024	130,000	$3,000	3	None
May 12, 2023	July 20, 2023	150,000	$4,000	3	1 Free Night Reward
April 6, 2023	May 12, 2023	130,000	$3,000	3	None
February 10, 2023	April 6, 2023	165,000	$5,000	3	None
December 22, 2022	February 10, 2023	130,000	$3,000	3	None
October 27, 2022	December 22, 2022	130,000	$5,000	3	1 Free Night Reward after spending $10,000 in 6 months
July 7, 2022	October 26, 2022	130,000	$3,000	3	None
May 19, 2022	July 6, 2022	130,000	$3,000	3	Up to $130 in statement credits
April 1, 2022	May 19, 2022	130,000	$3,000	3	None
February 3, 2022	April 1, 2022	130,000	$3,000	3	1 Free Night Award
August 26, 2021	February 3, 2022	180,000	$10,000	6	130,000 points after spending $2,000 in 3 months + 50,000 points after spending $10,000 in 6 months
July 15, 2021	August 25, 2021	130,000	$3,000	3	Up to $100 in statement credits
March 25, 2021	July 15, 2021	130,000	$3,000	3	None
January 28, 2021	March 25, 2021	150,000	$2,000	3	Up to $150 in statement credits
September 10, 2020	January 28, 2021	130,000	$3,000	3	None
September 19, 2019	September 10, 2020	125,000	$3,000	3	None

Based on the history of publicly available offers for the Hilton Business Card, you should apply when the welcome offer is greater than or equal to 130,000 Hilton Honors points and the spending requirement is on the lower end of the $3,000 to $5,000 range.

Delta Air Lines Cards

Delta SkyMiles^® Blue American Express Card

Learn More
Rates & Fees
(Terms apply)

Delta SkyMiles^® Blue American Express Card

Annual Fee$0

Welcome Offer Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.

Why We Like It Highlights Earning Rates

Earn 2 miles per dollar on Delta purchases and at restaurants worldwide, including takeout and delivery in the U.S. Benefits include 20% back as a statement credit on eligible Delta in-flight purchases, first checked bag free on Delta Flights, no foreign transaction fees and you'll pay $0 annual fee. (Rates & Fees) Enrollment required for select American Express benefits.

Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
No Annual Fee.
Earn 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
Earn 2X Miles per dollar spent on Delta purchases, and 1X Mile on all other eligible purchases.
Pay with Miles: take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
No Foreign Transaction Fees.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.
Rates & Fees

2X miles per dollar spent on purchases made directly with Delta
2X miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
1 mile on every eligible dollar spent on purchases

Considered to be the most basic and no-frills Delta card in the American Express lineup, the Delta SkyMiles^® Blue American Express Card carries a $0 annual fee (Rates & Fees) but yields 2 miles per dollar at restaurants worldwide and on purchases made directly with Delta, plus 1 mile on all other purchases. Delta fliers might also make use of the card's 20% back on in-flight purchases of food, beverages, and audio headsets (given as a statement credit).

Welcome offers for the Blue Delta Amex range from 10,000 to 15,000 Delta SkyMiles after spending $1,000.

Start Date	End Date	Welcome Offer	Spend Requirement	Spend Timeframe (Months)
September 30, 2022	Ongoing	10,000	$1,000	6
April 2, 2020	September 30, 2022	10,000	$500	3
January 30, 2020	April 1, 2020	15,000	$1,000	3

Based on the history of publicly available offers for the Blue Delta Amex, it makes the most sense to apply when the welcome offer is greater than or equal to 15,000 Delta SkyMiles.

Related: Blue Delta Amex full review

Delta SkyMiles^® Gold American Express Card

Learn More
Rates & Fees
(Terms apply)

Delta SkyMiles^® Gold American Express Card

Annual Fee$0 introductory annual fee for the first year, then $150

Welcome Offer Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

Why We Like It Highlights Earning Rates

The Delta SkyMiles^® Gold American Express Card is ideal if you only travel with Delta a few times per year. Earn 2 miles per dollar at restaurants worldwide (including takeout and delivery in the U.S.), and at U.S. supermarkets. For Delta travel, enjoy a first checked bag free, 2 miles per dollar on Delta purchases, and 20% back on in-flight purchases. Spend $10,000 in a calendar year for a $200 Delta Flight Credit. Cardholders also benefit from a 15% discount when using miles for award travel on Delta flights.

Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Enjoy a $0 introductory Annual Fee for the first year, then $150.
Delta SkyMiles® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
$200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Miles on all other eligible purchases.
You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that's a potential savings of up to $280 per round-trip flight.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
$100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
No Foreign Transaction Fees.
With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.
Rates & Fees

2X miles per dollar spent on purchases made directly with Delta
2X miles per dollar spent at U.S. supermarkets
2X miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
1X miles on all other eligible purchases

The Delta SkyMiles^® Gold American Express Card has a $0 introductory annual fee for the first year, then $150 (Rates & Fees). The card earns 2X miles on purchases made directly with Delta, at U.S. supermarkets and at restaurants worldwide, including takeout and delivery in the U.S., and 1X mile on all other eligible purchases. Cardmembers also can find value in having their first bag checked free on Delta flights, 15% off when booking award travel on Delta flights, and a $200 flight credit after making $10,000 in eligible purchases on the card in a calendar year.

Welcome offers for the Delta Gold Card range from 30,000 to 80,000 Delta SkyMiles with spending requirements from $1,000 to $3,000.

Start Date	End Date	Welcome Offer	Spend Requirement	Spend Timeframe (Months)	Welcome Offer Perks
April 3, 2025	Ongoing	50,000	$2,000	6	None
February 6, 2025	April 2, 2025	80,000	$3,000	6	None
October 24, 2024	February 5, 2025	50,000	$2,000	6	None
September 12, 2024	October 23, 2024	80,000	$3,000	6	None
July 18, 2024	September 12, 2024	40,000	$2,000	6	None
June 6, 2024	July 17, 2024	65,000	$3,000	6	None
March 28, 2024	June 5, 2024	40,000	$2,000	6	None
February 1, 2024	March 27, 2024	70,000	$3,000	6	None
August 3, 2023	February 1, 2024	40,000	$2,000	6	None
June 16, 2023	August 2, 2023	65,000	$2,000	6	Start of $0 introductory annual fee during the first year, continued through subsequent offers
March 30, 2023	June 16, 2023	40,000	$2,000	6	None
February 2, 2023	March 30, 2023	70,000	$2,000	6	None
November 10, 2022	February 2, 2023	40,000	$2,000	6	None
September 29, 2022	November 9, 2022	65,000	$2,000	6	None
August 4, 2022	September 29, 2022	40,000	$1,000	3	None
March 3, 2022	August 4, 2022	70,000	$2,000	3	None
November 11, 2021	March 3, 2022	40,000	$1,000	3	$50 dining statement credit
September 16, 2021	November 10, 2021	70,000	$2,000	3	None
July 29, 2021	September 16, 2021	40,000	$1,000	3	$50 dining statement credit
June 17, 2021	July 28, 2021	70,000	$2,000	3	$200 Delta statement credit
April 29, 2021	June 17, 2021	40,000	$1,000	3	$50 dining statement credit
March 4, 2021	April 28, 2021	70,000	$2,000	6	None
October 29, 2020	March 4, 2021	35,000	$1,000	3	None
September 17, 2020	October 29, 2020	50,000	$2,000	3	None
April 2, 2020	September 17, 2020	35,000	$1,000	3	None
January 30, 2020	April 2, 2020	70,000	$2,000	3	60,000 miles after $2,000 in spending + 10,000 miles on account anniversary
October 31, 2019	January 30, 2020	30,000	$1,000	3	$50 statement credit
October 1, 2019	October 31, 2019	60,000	$2,000	3	$50 statement credit
August 15, 2019	October 1, 2019	30,000	$1,000	3	$50 statement credit
August 1, 2019	August 15, 2019	30,000	$1,000	3	50% back on Delta purchases ($300 max)
July 3, 2019	August 1, 2019	30,000	$1,000	3	$50 statement credit
May 30, 2019	July 2, 2019	60,000	$2,000	3	None
April 4, 2019	May 30, 2019	30,000	$1,000	3	$50 Delta statement credit
February 28, 2019	April 3, 2019	60,000	$2,000	3	$50 statement credit

Given the range of publicly available offers for the Delta Gold Card, it's advised that you apply when the welcome offer is greater than or equal to 60,000 Delta SkyMiles.

Related: Delta Gold Card full review

Delta SkyMiles^® Platinum American Express Card

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Rates & Fees
(Terms apply)

Delta SkyMiles^® Platinum American Express Card

Annual Fee$350

Welcome Offer Earn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

Why We Like It Highlights Earning Rates

The Delta SkyMiles^® Platinum American Express Card is tailored for frequent Delta travelers and those who spend regularly on dining and travel. Cardholders earn 3 miles per dollar on Delta and direct hotel purchases, and 2 miles per dollar at restaurants worldwide, including takeout and delivery in the U.S., as well as at U.S. supermarkets. The card offers a Domestic Main Cabin round-trip companion certificate each year upon renewal. Benefits include a first checked bag free on Delta flights, Zone 5 Priority Boarding, and 20% back on in-flight purchases. Cardholders also receive a Global Entry or TSA PreCheck^® fee credit. Enrollment required for select American Express benefits.

Earn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Receive a Companion Certificate on a Main Cabin round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of the government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $20 in purchases on your Delta SkyMiles® Platinum American Express Card with MQD Boost to get closer to Status next Medallion Year.
Delta SkyMiles® Platinum American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Earn 3X Miles on Delta purchases and purchases made directly with hotels.
Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
Earn 1X Miles on all other eligible purchases.
$120 Resy Credit: Get up to $10 in statement credits each month after you pay with your enrolled Delta SkyMiles® Platinum American Express Card to dine at U.S. Resy restaurants or make other eligible Resy purchases.
$120 Rideshare Credit: earn up to $10 in statement credits each month after using your Delta SkyMiles® Platinum American Express Card on U.S. rideshare purchases with select providers. Enrollment required.
You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that's a potential savings of up to $280 per round-trip flight.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Delta SkyMiles® Platinum American Express Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Delta SkyMiles® Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
No Foreign Transaction Fees.
$350 Annual Fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.
Rates & Fees

3X miles per dollar spent on purchases made directly with Delta
3X miles per dollar at hotels
2X miles per dollar at U.S. supermarkets
2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
1 mile on every eligible dollar spent on purchases.

The Delta SkyMiles^® Platinum American Express Card is the second most premium travel card in the American Express portfolio of personal Delta cards. Carrying an annual of $350 (Rates & Fees), the card earns 3X on Delta purchases and purchases made directly with hotels, 2X at restaurants worldwide (including takeout and delivery in the U.S.) and at U.S. supermarkets, and earn 1X on all other eligible purchases. Cardmembers also enjoy a Main Cabin round-trip companion certificate each year upon card renewal, can accelerate their quest for Delta elite status through spending, and can save 15% on award travel on Delta flights.

Welcome offers for the Platinum Delta Amex range from 35,000 to 100,000 Delta SkyMiles after spending between $1,000 and $4,000.

Start Date	End Date	Welcome Offer	Spend Requirement	Spend Timeframe (Months)	Welcome Offer Perks
April 3, 2025	Ongoing	60,000	$3,000	6	None
February 6, 2025	April 2, 2025	90,000	$4,000	6	None
October 24, 2024	February 5, 2025	60,000	$3,000	6	None
September 12, 2024	October 23, 2024	90,000	$4,000	6	None
July 18, 2024	September 12, 2024	50,000	$3,000	6	None
June 6, 2024	July 17, 2024	85,000	$4,000	6	None
March 28, 2024	June 5, 2024	50,000	$3,000	6	None
February 1, 2024	March 27, 2024	90,000	$4,000	6	None
August 3, 2023	February 1, 2024	50,000	$3,000	6	None
June 16, 2023	August 2, 2023	85,000	$4,000	3	None
March 30, 2023	June 15, 2023	50,000	$3,000	6	None
February 2, 2023	March 29, 2023	90,000	$4,000	6	None
September 29, 2022	February 2, 2023	80,000	$4,000	6	None
August 4, 2022	September 29, 2022	50,000	$2,000	3	+5,000 MQMs
June 16, 2022	August 4, 2022	90,000	$3,000	3	None
April 15, 2022	June 16, 2022	50,000	$2,000	3	+5,000 MQMs
March 3, 2022	April 14, 2022	90,000	$3,000	3	None
November 11, 2021	March 3, 2022	50,000	$2,000	3	+5,000 MQMs + $100 statement credit
September 16, 2021	November 10, 2021	90,000	$3,000	3	+10,000 MQMs
July 29, 2021	September 16, 2021	50,000	$2,000	3	+5,000 MQMs + $100 statement credit
June 17, 2021	July 28, 2021	90,000	$3,000	3	+ $200 Delta statement credit
April 29, 2021	June 17, 2021	50,000	$2,000	3	+5,000 MQMs + $100 statement credit
March 4, 2021	April 29, 2021	90,000	$3,000	3	None
October 29, 2020	March 4, 2021	40,000	$2,000	3	+5,000 MQMs + $100 statement credit
September 17, 2020	October 29, 2020	60,000	$3,000	3	+5,000 MQMs
April 2, 2020	September 17, 2020	40,000	$2,000	3	+5,000 MQMs + $100 statement credit
January 30, 2020	April 1, 2020	100,000	$3,000	3	80,000 miles after spending $3,000 in 3 months + 20,000 miles on account anniversary
October 31, 2019	January 30, 2020	35,000	$1,000	3	+5,000 MQMs and $100 statement credit
October 1, 2019	October 31, 2019	75,000	$3,000	3	+5,000 MQMs and $100 statement credit
August 15, 2019	October 1, 2019	35,000	$1,000	3	+$100 statement credit
August 1, 2019	August 15, 2019	50,000	$3,000	3	50% back on Delta purchases ($500 max)
July 3, 2019	August 1, 2019	35,000	$1,000	3	+5,000 MQMs and $100 statement credit
April 3, 2019	July 2, 2019	75,000	$3,000	3	+5,000 MQMs & $100 statement credit
February 28, 2019	April 3, 2019	75,000	$3,000	3	None

Based on the history of publicly available offers for the Platinum Delta Amex, it makes the most sense to apply when the welcome offer is greater than or equal to 80,000 Delta SkyMiles.

Delta SkyMiles^® Reserve American Express Card

Learn More
Rates & Fees
(Terms apply)

Delta SkyMiles^® Reserve American Express Card

Annual Fee$650

Welcome Offer Earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

Why We Like It Highlights Earning Rates

The Delta SkyMiles^® Reserve American Express Card is the best option if you want elite level benefits without holding the status required. The standout feature is complimentary Delta Sky Club^® access with 15 visits per year effective from 2/1/25 (unlimited visits with $75,000 spend), providing a relaxing space before flights. Cardholders can earn 1 MQD per $10 of eligible purchases charged to the Delta Reserve. Additionally, there's a complimentary Domestic First Class, Delta Comfort+^®, or Main Cabin round-trip companion certificate each year upon card renewal. Other benefits include 15% off when booking Award Travel on Delta, a credit for Global Entry or TSA PreCheck^® fees, a free first checked bag on Delta flights, access to complimentary upgrades, and 20% back on in-flight purchases. Enrollment required for select American Express benefits.

Earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you'll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
Enjoy a Companion Certificate on a First Class, Delta Comfort+®, or Main Cabin round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
$240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
$120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over other Medallion Members within the same Medallion tier and fare class grouping when you fly with Delta.
Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
No Foreign Transaction Fees.
$650 Annual Fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.
Rates & Fees

3X miles per dollar spent on purchases made directly with Delta
1X miles on every eligible dollar spent on purchases.

The Delta SkyMiles^® Reserve American Express Card balances a $650 annual fee with some valuable perks for Delta fliers (Rates & Fees). A respectable 3X miles on purchases made directly with Delta and 1 mile on all other eligible purchases is made better by complimentary upgrades on Delta flights, complimentary Sky Club^® access when flying Delta (restricted to 15 visits per Medallion^® Year as of February 1, 2025), priority boarding, and the ability to save 15% on award travel on Delta flights.

Welcome offers for the Delta Reserve range from 40,000 to 100,000 Delta SkyMiles with spending requirements ranging from $3,000 to $6,000.

Start Date	End Date	Welcome Offer	Spend Requirement	Spend Timeframe (Months)	Welcome Offer Perks
April 3, 2024	Ongoing	70,000	$5,000	6	None
February 6, 2025	April 2, 2024	100,000	$6,000	6	None
October 24, 2024	February 5, 2025	70,000	$5,000	6	None
September 12, 2024	October 23, 2024	100,000	$6,000	6	None
July 18, 2024	September 12, 2024	60,000	$5,000	6	None
June 6, 2024	July 17, 2024	95,000	$6,000	6	None
March 28, 2024	June 6, 2024	60,000	$5,000	6	None
February 1, 2024	March 27, 2024	100,000	$6,000	6	None
August 3, 2023	February 1, 2024	60,000	$5,000	6	None
June 16, 2023	August 2, 2023	85,000	$6,000	3	None
March 30, 2023	June 15, 2023	50,000	$5,000	6	+10,000 MQMs
February 2, 2023	March 29, 2023	95,000	$6,000	6	None
November 10, 2022	February 1, 2023	50,000	$5,000	3	+10,000 MQMs
September 29, 2022	November 9, 2022	95,000	$6,000	6	None
August 4, 2022	September 29, 2022	50,000	$4,000	3	+10,000 MQMs
June 16, 2022	August 4, 2022	100,000	$5,000	3	None
March 3, 2022	June 15, 2022	100,000	$5,000	3	None
November 11, 2021	March 3, 2022	50,000	$3,000	3	+10,000 MQMs + $100 dining credit
September 16, 2021	November 10, 2021	80,000	$5,000	3	+20,000 MQMs
July 29, 2021	September 16, 2021	50,000	$3,000	3	+10,000 MQMs + $100 dining credit
June 17, 2021	July 28, 2021	80,000	$5,000	3	+20,000 MQMs + $200 Delta statement credit
April 29, 2021	June 17, 2021	50,000	$3,000	3	+10,000 MQMs + $100 dining credit
March 4, 2021	April 29, 2021	80,000	$5,000	3	+20,000 MQMs
April 2, 2020	March 4, 2021	40,000	$3,000	3	+10,000 MQMs
April 1, 2020	April 2, 2020	40,000	$3,000	3	+10,000 MQMs
January 30, 2020	April 1, 2020	100,000	$5,000	3	80,000 miles + 20,000 MQMs after $5,000 of spending in 3 months + 20,000 miles on account anniversary
October 31, 2019	January 30, 2020	40,000	$3,000	3	+10,000 MQMs
October 1, 2019	October 31, 2019	75,000	$5,000	3	+10,000 MQMs
August 15, 2019	October 1, 2019	40,000	$3,000	3	+10,000 MQMs
July 3, 2019	August 15, 2019	40,000	$3,000	3	+10,000 MQMs
April 3, 2019	July 2, 2019	75,000	$5,000	3	+5,000 MQMs
February 28, 2019	April 3, 2019	75,000	$5,000	3	None

Given the vast range of publicly available offers for the Delta Reserve, it makes the most sense to apply when the welcome offer is greater than or equal to 80,000 Delta SkyMiles.

Delta SkyMiles^® Gold Business American Express Card

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Rates & Fees
(Terms apply)

Delta SkyMiles^® Gold Business American Express Card

Annual Fee$0 introductory annual fee for the first year, then $150

Welcome Offer Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.

Why We Like It Highlights Earning Rates

The Delta SkyMiles^® Gold Business American Express Card is a valuable tool for business travelers who only fly with Delta a few times per year. It offers 2 miles on every dollar spent on Delta purchases. Cardholders enjoy perks like a free first checked bag on Delta flights, Zone 5 Priority Boarding, and 20% savings on select in-flight purchases. A standout feature is the $200 Delta Flight Credit after spending $10,000 in a calendar year. Plus, members can save 15% when using miles to book Delta award travel.

Welcome Offer: Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
$0 introductory annual fee for the first year, then $150
Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Additionally, you can receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
Earn 1 Mile on every eligible dollar spent on other purchases.
Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Zone 5 Priority Boarding on Delta flights.
Elevate your travel experience with an annual statement credit of up to $150 after using your Delta SkyMiles® Gold Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
Pay no foreign transaction fees when you travel overseas.
Terms and limitations apply.
Rates & Fees

2X miles per dollar spent on eligible purchases made directly with Delta
2X miles per dollar on eligible U.S. purchases for advertising in select media (annual cap of $50,000 in eligible purchases)
2X miles per dollar on eligible U.S. shipping purchases (annual cap of $50,000 in eligible purchases)
2X miles per dollar on eligible dining purchases
1X miles per dollar on all other eligible purchases

Much like its consumer counterpart, the Delta SkyMiles^® Gold Business American Express Card offers a $0 introductory annual fee for the first year, then $150 (Rates & Fees). The Delta Gold Business Amex earns 2X miles on Delta purchases and at restaurants; 2X miles on eligible online advertising in select media and eligible U.S. shipping purchases (annual cap of $50,000 in eligible purchases per category for online advertising and shipping); and 1X mile on all other eligible purchases. Cardholders can earn a $200 flight credit after spending $10K on the card in a calendar year and can save 15% on award travel purchases with Delta, as well as enjoy priority boarding and a first checked bag free.

Welcome offers for the Delta Gold Business Amex range from 30,000 to 90,000 Delta SkyMiles after spending between $1,000 and $6,000.

Start Date	End Date	Welcome Offer	Spend Requirement	Spend Timeframe (Months)	Welcome Offer Perks
April 3, 2025	Ongoing	60,000	$4,000	6	None
February 6, 2025	April 2, 2025	90,000	$6,000	6	None
October 24, 2024	February 5, 2025	60,000	$4,000	6	None
September 12, 2024	October 23, 2024	90,000	$6,000	6	None
July 18, 2024	September 12, 2024	55,000	$4,000	6	None
June 6, 2024	July 17, 2024	75,000	$6,000	6	None
March 28, 2024	June 5, 2024	55,000	$4,000	6	None
February 2, 2024	March 27, 2024	80,000	$6,000	6	None
October 26, 2023	February 2, 2024	50,000	$2,000	3	None
September 14, 2023	October 25, 2023	75,000	$6,000	6	+5,000 bonus miles after a Delta purchase in the first 6 months
August 3, 2023	September 14, 2023	50,000	$2,000	3	None
June 16, 2023	August 3, 2023	70,000	$3,000	3	None
March 30, 2023	June 16, 2023	50,000	$2,000	3	Start of $0 introductory annual fee during the first year, continued through subsequent offers
February 2, 2023	March 30, 2023	75,000	$3,000	3	None
November 10, 2022	February 2, 2023	50,000	$2,000	3	None
September 29, 2022	November 9, 2022	70,000	$3,000	3	None
August 4, 2022	September 29, 2022	50,000	$1,000	3	None
June 17, 2022	August 4, 2022	75,000	$3,000	3	None
April 14, 2022	June 16, 2022	50,000	$2,000	3	None
March 3, 2022	April 13, 2022	75,000	$3,000	3	None
November 11, 2021	March 3, 2022	50,000	$2,000	3	+$50 statement credit
September 16, 2021	November 10, 2021	70,000	$2,000	3	+$50 statement credit
April 29, 2021	September 16, 2021	50,000	$2,000	3	+$50 statement credit
March 4, 2021	April 29, 2021	70,000	$2,000	3	+$50 statement credit
October 29, 2020	March 4, 2021	40,000	$2,000	3	None
September 17, 2020	October 29, 2020	60,000	$3,000	3	None
April 3, 2020	September 17, 2020	40,000	$2,000	3	None
January 30, 2020	April 3, 2020	70,000	$2,000	3	60,000 miles after $2,000 of spending in 3 months + 10,000 miles on account anniversary
August 15, 2019	January 30, 2020	30,000	$1,000	3	+$50 statement credit
August 1, 2019	August 15, 2019	30,000	$1,000	3	50% back on Delta purchases ($300 cap)
July 3, 2019	August 1, 2019	30,000	$1,000	3	+$50 statement credit
May 30, 2019	July 2, 2019	70,000	$4,000	3	None

Based on the history of publicly available offers for the Delta Gold Business Amex, it makes the most sense to apply when the welcome offer is greater than or equal to 70,000 Delta SkyMiles.

Delta SkyMiles^® Platinum Business American Express Card

Learn More
Rates & Fees
(Terms apply)

Delta SkyMiles^® Platinum Business American Express Card

Annual Fee$350

Welcome Offer Earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.

Why We Like It Highlights Earning Rates

The Delta SkyMiles^® Platinum Business American Express Card offers a range of benefits for business travelers, especially those frequently flying with Delta. Cardholders earn 3 miles per dollar on direct Delta and hotel purchases, and 1.5 miles on large purchases of $5K or more, up to 50K additional miles per year. Key benefits include a Domestic Main Cabin round-trip companion certificate annually upon card renewal, Zone 5 Priority Boarding, a free first checked bag on Delta flights, and 20% savings on select in-flight purchases. Additionally, the card provides a statement credit for Global Entry or TSA PreCheck^® fees. Enrollment required for select American Express benefits.

Welcome Offer: Earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
Enjoy a Companion Certificate each year after renewal of your Delta Platinum Business Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
Earn up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Terms and limitations apply.
Rates & Fees

3X miles per dollar spent on eligible purchases made directly with Delta
3X miles per dollar spent on eligible purchases with hotels
1.5x miles on eligible purchases over $5,000 (up to 50,000 bonus miles annually)
1.5X miles on eligible transit and U.S. shipping purchases*
1X miles per dollar on all other eligible purchases.

*If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.

The Delta SkyMiles^® Platinum Business American Express Card carries a $350 annual fee (Rates & Fees) but offers an attractive 3X SkyMiles per dollar earned on Delta purchases and with hotels, 1.5X on eligible transit and U.S. shipping purchases, 1.5X on large purchases of $5K or more (up to 50K additional miles per calendar year), and 1X on other eligible purchases made using the card. Additional benefits include saving 15% on award travel on Delta, Zone 5 priority boarding, a free checked bag, and a companion certificate each year upon card renewal.

Welcome offers for the Delta Business Platinum Amex range from 35,000 to 100,000 Delta SkyMiles after spending between $1,000 and $6,000.

Start Date	End Date	Welcome Offer	Spend Requirement	Spend Timeframe (Months)	Welcome Offer Perks
April 3, 2025	Ongoing	70,000	$6,000	6	None
February 6, 2025	April 2, 2025	100,000	$8,000	6	None
October 24, 2024	February 5, 2025	70,000	$6,000	6	None
September 12, 2024	October 23, 2024	100,000	$8,000	6	None
July 18, 2024	September 12, 2024	65,000	$6,000	6	None
June 6, 2024	July 17, 2024	95,000	$8,000	6	None
March 28, 2024	June 5, 2024	65,000	$6,000	6	None
February 02, 2024	March 27, 2024	100,000	$8,000	6	None
October 26, 2023	February 02, 2024	60,000	$3,000	3	None
September 14, 2023	October 25, 2023	90,000	$4,000	6	+10,000 bonus miles after a Delta purchase within 6 months
August 3, 2023	September 14, 2023	60,000	$3,000	3	None
June 16, 2023	August 3, 2023	90,000	$4,000	3	None
March 30, 2023	June 16, 2023	60,000	$3,000	3	None
February 2, 2023	March 30, 2023	95,000	$4,000	3	None
November 10, 2022	February 2, 2023	60,000	$3,000	3	+5,000 MQMs
September 29, 2022	November 9, 2022	85,000	$4,000	3	None
August 4, 2022	September 29, 2022	60,000	$3,000	3	+5,000 MQMs
June 17, 2022	August 4, 2022	100,000	$4,000	3	None
April 14, 2022	June 16, 2022	60,000	$3,000	3	+5,000 MQMs
March 3, 2022	April 13, 2022	100,000	$4,000	3	None
November 11, 2021	March 3, 2022	60,000	$3,000	3	+5,000 MQMs + $100 statement credit
September 16, 2021	November 10, 2021	90,000	$3,000	3	+10,000 MQMs + $100 statement credit
April 29, 2021	September 16, 2021	60,000	$3,000	3	+5,000 MQMs + $100 statement credit
March 4, 2021	April 29, 2021	90,000	$3,000	3	$100 Statement credit.
October 29, 2020	March 4, 2021	45,000	$3,000	3	+5,000 MQMs + $100 statement credit.
September 17, 2020	October 29, 2020	70,000	$4,000	3	+5,000 MQMs
April 3, 2020	September 17, 2020	45,000	$3,000	3	+5,000 MQMs + $100 statement credit.
January 30, 2020	April 3, 2020	100,000	$3,000	3	80,000 miles after spending $3,000 in 3 months + 20,000 miles on account anniversary
August 15, 2019	January 30, 2020	35,000	$1,000	3	$100 statement credit
August 1, 2019	August 15, 2019	50,000	$3,000	3	50% back on Delta purchases ($500 max)
July 3, 2019	August 1, 2019	35,000	$1,000	3	+5,000 MQMs + $100 statement credit
May 30, 2019	July 2, 2019	80,000	$6,000	3	+5,000 MQMs + $100 statement credit

Given the historical range of publicly available offers for the Delta Business Platinum Amex it makes the most sense to apply when the welcome offer is greater than or equal to 90,000 Delta SkyMiles.

Delta SkyMiles^® Reserve Business American Express Card

Learn More
Rates & Fees

Delta SkyMiles^® Reserve Business American Express Card

Annual Fee$650

Welcome Offer Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.

Why We Like It Highlights Earning Rates

The Delta SkyMiles^® Reserve Business American Express Card is a premium choice for business travelers, particularly those frequently flying with Delta and chasing elite benefits without holding status. The card earns 3X miles on purchases made directly with Delta and 1.5X miles per dollar after spending $150K on the card in a calendar year. Other eligible purchases earn 1X mile. Cardholders enjoy complimentary Delta Sky Club^® access, with 15 visits per Medallion^® Year (unlimited visits with $75,000 spend each calendar year). Additional benefits include complimentary access to The Centurion^® Lounge when flying same day with Delta, Delta Sky Club One-Time Guest Passes, a Domestic First Class, Delta Comfort+^®, or Main Cabin round-trip companion certificate upon renewal, complimentary upgrades even without Medallion Status, Zone 5 Priority Boarding, a free first checked bag, and a fee credit for Global Entry or TSA PreCheck^®. Enrollment required for select American Express benefits.

Welcome Offer: Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
Delta SkyMiles® Reserve Members receive 15 Visits each Medallion® Year to the Delta Sky Club® and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
Earn 3 miles per dollar on eligible Delta purchases.
Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
Receive a Companion Certificate on a First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that's a potential savings of up to $280 per round-trip flight.
When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
Terms and limitations apply.
Rates & Fees

3X miles per dollar spent on purchases made directly with Delta
1.5X miles per dollar on eligible transit, U.S. shipping, and U.S. office supply store purchases, plus all eligible purchases after spending $150K per calendar year
1 mile on every dollar spent on all other eligible purchases.

The Delta SkyMiles^® Reserve Business American Express Card commands a $650 annual fee (Rates & Fees) but is a robust Delta SkyMiles earner. For heavy spenders, the card makes some sense, as it nets 3X on Delta purchases, 1.5X after spending $150K on the card in a calendar year, and 1X on all other eligible purchases. Cardmembers can also take advantage of the 15% savings benefit on Delta award travel, complimentary Sky Club^® access (restricted to 15 visits per Medallion^® Year as of February 1, 2025), complimentary access to The Centurion^® Lounge and Escape Lounge when flying Delta that day, and a companion certificate each year upon renewal of the card — plus much more.

Welcome offers for the Business Delta Reserve range from 40,000 to 110,000 Delta SkyMiles after spending between $3,000 and $12,000.

Start Date	End Date	Welcome Offer	Spend Requirement	Spend Timeframe (Months)	Welcome Offer Perks
April 3, 2025	Ongoing	80,000	$10,000	6	None
February 6, 2025	April 2, 2025	110,000	$12,000	6	None
October 24, 2024	February 5, 2025	80,000	$10,000	6	None
September 12, 2024	October 23, 2024	110,000	$12,000	6	None
July 18, 2024	September 12, 2024	75,000	$10,000	6	None
June 6, 2024	July 17, 2024	110,000	$12,000	6	None
March 28, 2024	June 6, 2024	75,000	$10,000	6	None
February 02, 2024	March 27, 2024	110,000	$12,000	6	None
October 26, 2023	February 02, 2024	70,000	$5,000	3	None
September 14, 2023	October 25, 2023	100,000	$12,000	6	+10,000 bonus miles after a Delta purchase in the first 6 months
August 3, 2023	September 14, 2023	70,000	$5,000	3	None
June 16, 2023	August 3, 2023	100,000	$6,000	3	None
March 30, 2023	June 16, 2023	70,000	$5,000	3	None
February 2, 2023	March 30, 2023	100,000	$6,000	3	None
November 10, 2022	February 2, 2023	60,000	$4,000	3	+10,000 MQMs
September 29, 2022	November 9, 2022	100,000	$6,000	3	None
August 4, 2022	September 29, 2022	60,000	$4,000	3	+10,000 MQMs
June 17, 2022	August 4, 2022	110,000	$6,000	3	None
April 14, 2022	June 16, 2022	60,000	$4,000	3	+10,000 MQMs
March 3, 2022	April 13, 2022	110,000	$6,000	3	None
November 11, 2021	March 3, 2022	60,000	$4,000	3	+10,000 MQMs and $100 statement credit
September 16, 2021	November 10, 2021	80,000	$5,000	3	+20,000 MQMs and $200 statement credit
April 29, 2021	September 16, 2021	60,000	$4,000	3	+10,000 MQMs and $100 statement credit
March 4, 2021	April 29, 2021	80,000	$5,000	3	+20,000 MQMs and $200 statement credit
April 3, 2020	March 4, 2021	45,000	$4,000	3	+10,000 MQMs
January 30, 2020	April 3, 2020	100,000	$5,000	3	80,000 miles + 20,000 MQMs after $5,000 spent in 3 months + 20,000 miles on account anniversary
July 3, 2019	January 30, 2020	40,000	$3,000	3	+10,000 MQMs
May 30, 2019	July 2, 2019	80,000	$6,000	3	+5,000 MQMs

Based on the history of publicly available offers for the Business Delta Reserve, it makes the most sense to apply when the welcome offer is greater than or equal to 100,000 Delta SkyMiles.

Publicly Available vs. Targeted Offers

The offers above represent the highest publicly available offers, but you might see targeted offers for something better. To check, services such as CardMatch will ask for some personal information and run a quick search for any special card offers you may qualify for.

You could earn an outsized welcome offer for any one of these American Express cards. These also can show up in your email, mail, or within your American Express account online. It's worth keeping an eye open for these targeted, elevated offers. Unfortunately, it's hard to predict what these may be or when you might see them.

Our Take

When considering applying for a credit card, it makes sense to evaluate the welcome offer in front of you in the context of all other historical welcome offers for that card. It could make the difference between applying now or waiting for the offer to increase.

Knowing when to apply, what to watch for, and what a quality offer looks like may prove helpful as you develop your broader credit card strategy and work toward your next points and miles redemption. With information about the offer history on American Express cards, you should have a better understanding of what offers to apply for and when you should wait.

For rates and fees of the cards mentioned in this post, please visit the following links: American Express^® Gold Card (Rates & Fees), The Platinum Card^® from American Express (Rates & Fees), American Express^® Business Gold Card (Rates & Fees), The Business Platinum Card^® from American Express (Rates & Fees), Blue Cash Preferred^® Card from American Express (Rates & Fees), Blue Cash Everyday^® Card from American Express (Rates & Fees), Marriott Bonvoy Bevy^® American Express^® Card (Rates & Fees), Marriott Bonvoy Brilliant^® American Express^® Card (Rates & Fees), Marriott Bonvoy Business^® American Express^® Card (Rates & Fees), Hilton Honors American Express Card (Rates & Fees), Hilton Honors American Express Surpass^® Card (Rates & Fees), The Hilton Honors American Express Business Card (Rates & Fees), Delta SkyMiles^® Blue American Express Card (Rates & Fees), Delta SkyMiles^® Gold American Express Card (Rates & Fees), Delta SkyMiles^® Platinum American Express Card (Rates & Fees), Delta SkyMiles^® Reserve American Express Card (Rates & Fees), Delta SkyMiles^® Gold Business American Express Card (Rates & Fees), Delta SkyMiles^® Platinum Business American Express Card (Rates & Fees), and Delta SkyMiles^® Reserve Business American Express Card (Rates & Fees)

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American Express Card Offer History: Best-Ever Offers and When You Should Apply

Overview

American Express Membership Rewards and Cash-Back Cards

American Express® Green Card

American Express® Gold Card

The Platinum Card® from American Express

American Express® Business Gold Card

The Business Platinum Card® from American Express

Blue Cash Preferred® Card from American Express

Blue Cash Everyday® Card from American Express

Marriott Bonvoy Cards

Marriott Bonvoy Bevy® American Express® Card

Marriott Bonvoy Brilliant® American Express® Card

Marriott Bonvoy Business® American Express® Card

Hilton Honors Cards

Hilton Honors American Express Card

Hilton Honors American Express Surpass® Card

Hilton Honors American Express Aspire Card

The Hilton Honors American Express Business Card

Delta Air Lines Cards

Delta SkyMiles® Blue American Express Card

Delta SkyMiles® Gold American Express Card

Delta SkyMiles® Platinum American Express Card

Delta SkyMiles® Reserve American Express Card

Delta SkyMiles® Gold Business American Express Card

Delta SkyMiles® Platinum Business American Express Card

Delta SkyMiles® Reserve Business American Express Card

Publicly Available vs. Targeted Offers

Our Take

American Express^® Green Card

American Express^® Gold Card

The Platinum Card^® from American Express

American Express^® Business Gold Card

The Business Platinum Card^® from American Express

Blue Cash Preferred^® Card from American Express

Blue Cash Everyday^® Card from American Express

Marriott Bonvoy Bevy^® American Express^® Card

Marriott Bonvoy Brilliant^® American Express^® Card

Marriott Bonvoy Business^® American Express^® Card

Hilton Honors American Express Surpass^® Card

Delta SkyMiles^® Blue American Express Card

Delta SkyMiles^® Gold American Express Card

Delta SkyMiles^® Platinum American Express Card

Delta SkyMiles^® Reserve American Express Card

Delta SkyMiles^® Gold Business American Express Card

Delta SkyMiles^® Platinum Business American Express Card

Delta SkyMiles^® Reserve Business American Express Card