The Blue Cash Everyday® Card from American Express (a Money Crashers partner) is a no-annual-fee cash back credit card with a very generous rewards program. Blue Cash Everyday offers 3% cash back (up to $6,000 per calendar year) on grocery store and supermarket purchases, unlimited 2% cash back at gas stations and department stores, and 1% cash back on everything else. Rewards come as statement credits once you hit the $25 redemption minimum. Although applicants do need very good to excellent credit, Blue Cash Everyday doesn’t require stellar credit, as is the case with more generous cards.
The Amex EveryDay® Preferred Credit Card from American Express is a cash back credit card with a $95 annual fee and a generous and versatile – but sometimes confusing – points-based reward system that lets cardholders redeem for merchandise, transportation, travel, and cash equivalents. With accelerated point earnings at supermarkets and gas stations, plus a frequent-spender bonus for people who make more than 30 purchases per month, this card is definitely more powerful than entry-level cash back cards such as Chase Freedom and Discover it – particularly for folks who spend heavily in those categories.
The Amex EveryDay® Credit Card from American Express (a Money Crashers partner) is a cash back credit card that utilizes a complicated but versatile point system to reward users. It has no annual fee and accelerated point earnings (2 points per $1 spent) at the supermarket, plus 1 point per $1 spent on everything else.
EveryDay competes with a number of other cash back and rewards credit cards, including American Express’s own Blue Cash Everyday, Blue Cash Preferred, EveryDay Preferred, and Plenti, as well as non-Amex cards such as Capital One Quicksilver, Discover it, Chase Freedom, Bank Americard Cash Rewards, Barclaycard CashForward, and numerous travel rewards credit cards.
The Plenti® Credit Card from Amex (a Money Crashers partner) is a no-annual-fee credit card that leverages a slightly unorthodox rewards program known as Plenti, which is also overseen by American Express. Through this program cardholders earn 3 Plenti points at the supermarket, 2 Plenti points at restaurants, and 1 Plenti point everywhere else. Once you’ve accumulated enough, you can redeem your Plenti points for discounts at a number of popular U.S. merchants.
The Starwood Preferred Guest® Credit Card from American Express (a Money Crashers partner) is a hotel rewards credit card with a $95 annual fee and a rewards program that revolves around the Starwood hotel family, which includes such brands as Sheraton, Westin, and W. Every purchase you make earns Starpoints, Starwood’s loyalty program currency. Starpoints can be redeemed for free nights and room upgrades at about 1,200 Starwood properties worldwide, or converted to frequent flyer miles from more than 30 airline groups.
The Gold Delta SkyMiles® Business Credit Card from American Express combines the travel benefits of a travel rewards credit card with the business-friendly features and spending power of a business credit card. With a $95 annual fee, this card is geared toward business owners who take enough Delta flights to offset its ongoing cost.
Gold Delta SkyMiles Business earns an unlimited 2 points per $1 spent on all Delta purchases, including airfare and incidentals. All other spending earns an unlimited 1 SkyMile per $1 spent. You can redeem accumulated SkyMiles for Delta airfare purchases and merchandise listed for sale at the SkyMiles MarketPlace.
The Starwood Preferred Guest® Business Credit Card from American Express (a Money Crashers partner) is a hotel rewards card and business credit card with a $95 annual fee. Its generous rewards program centers on the Starwood hotel family, whose brands include Sheraton, Westin, and W. Every Starwood Preferred Guest Business Credit Card purchase earns Starpoints®, Starwood’s loyalty program currency. Once you accumulate enough Starpoints, you can redeem for free nights and room upgrades at around 1,200 Starwood properties worldwide, or transfer to more than 30 frequent flyer programs covering about 150 total airlines.
The Business Gold Rewards Card from American Express OPEN is a small business charge card with a $175 annual fee and a fairly generous rewards program that favors popular business spending categories, including airfare, advertising, gas, shipping, and technology. As a charge card, Business Gold Rewards doesn’t incur regular interest charges; however, you’re required to pay your balance in full by each statement cycle’s due date. Failure to do so for 2 or more consecutive cycles may result in the closure of your account.
The Business Green Rewards Card from American Express OPEN is a small business charge card with a $95 annual fee and a rewards program that rewards general spending. Most Green Rewards Card purchases earn 1 Membership Rewards point per $1 spent. Travel booked through American Express Travel is the exception, as those purchases earn 2 points per $1 spent.
As a charge card, Business Green Rewards doesn’t incur regular interest charges. However, you’re required to pay your balance in full before each statement’s due date. If you fail to pay in full for more than 2 consecutive cycles, American Express reserves the right to close your account.
The Plum Card® from American Express OPEN (a Money Crashers partner) is a small business charge card with a $250 annual fee (waived the first year). Unlike most American Express charge cards, it does not offer a sign-up bonus, nor does it share in the company’s Membership Rewards point program. However, it does offer a 1.5% discount on all balances paid early – defined as within 10 days of your statement closing date, as long as you make your minimum payment (10% of new activity during the statement period, plus any balance from previous statement periods).