The ULTIMATE Amex Credit Card Tier List
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- Опубликовано: 22 июл 2024
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The ULTIMATE Amex Credit Card Tier List
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American Express currently offers 34 different credit cards so needless to say deciding between them all can be a challenge. So today let's make the ultimate American Express credit card tier list to help you get the most out of your credit cards. American Express has 17 personal cards, 14 business cards, and three corporate cards at the time of recording this video.
By far my favorite free credit card from American Express is the blue cash everyday card. This has no annual fee, currently offers a $200 sign-up bonus when you spend $2000 in the first six months, and gives you really great cash back like 3% on groceries 3% at US retail purchases 3% on gas and 1% on all other purchases. It also gives you additional credits towards things like Disney plus and home chef but the 3% cash back categories are capped at $6,000 in purchases each year and beyond that you earn just 1% and there is a foreign transaction fee so I'll be putting this one in the B tier.
The next card with no annual fee is actually one of my favorite products from American Express across the board and that would be the standard Hilton Honors card. Now there's a few more premium versions of this card that we'll talk about later but even though this product has no annual fee, it offers an 80,000 Hilton honors point bonus when you spend $1000 in the first three months, seven points per dollar on Hilton hotels and resorts five points on US restaurants and US gas stations.
Next up we have by far my favorite credit card in this $95 category and that would be the American Express blue cash preferred card. This is the bigger brother to the blue cash everyday card that we talked about earlier but for $95 per year it is well worth it. Right now they will waive the annual fee for the first year and give you a $300 cash bonus when you spend $3000 in the first six months. You also get 6% cash back on grocery stores, US streaming services, 3% on transit including ride-sharing platforms, 3% back on gas and 1% on all other purchases plus a $120.00 equinox plus credit.
That was a lot of information to cover in one video but in a nutshell if you want to stay on the low end in terms of cost I’d go with the blue cash preferred, the gold card is a great mid tier option, and if you don’t care how much your card costs and you’re looking for the most premium option then I’d go with the platinum card.
0:00-Ranking EVERY Amex Card
1:19-Blue Cash Everyday
2:00-Cash Magnet
2:29-Everyday
3:10-Hilton Honors
3:59-Delta SkyMiles Blue
4:37-Delta SkyMiles Gold
5:52-Delta SkyMiles Platinum
6:46-Gold Card
7:46-Everyday Preferred
8:44-HH Surpass
9:24-Bluecash Preferred
10:37-Serve
11:14-Green Card
11:48-HH Aspire
12:47-Bonvoy Brilliant
13:43-Delta SkyMiles Reserve
15:02-Platinum Card
Music from Epidemic Sound
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You left out the best part of the Aspire, the free night certificate you get every year
Figured someone would beat me to this response. Free night and top status, if you travel semi frequently and like Hilton this card is automatic. Diamond status isn't fabulous stateside (though breakfast is always nice) but can make for high frequency upgrades (suites included) overseas. Definitely A tier card.....S tier if frequent international traveler.
Plus the $250 airline credit as well. Definitely an S tier card.
The brilliant is not a higher tier than the aspire 🤷🏻♂️
And priority pass full membership and the $100 property credit at Conrad or Waldorf Astoria. The card is straight up broken and I get thousands of dollars worth of perks from the card every year, def S tier
Gold card, hands down, is my favorite Amex card. It's my daily driver.
Just signed up for the blue cash preferred last night!
Dang the Amex Gold isn't an S-tier card?? The Gold card is my workhorse card in my wallet and I think a ton of people would say the same. I just love being able to use it for everything food-related without having to think about it. If you can take advantage of the credits every month, this card is a no brainer! Loved this video Idea man! Great work.
Spencer you are right. This one was brilliantly edited but severely lacking in real information.
Agreed. Gold is definitely S-tier and honestly Amex's best card for 'everyday people'. Take a ride or eat w/ Uber once a month, grubhub once a month, boom effective annual fee is ten bucks for the card. Massive earner for little to no effective AF.
@@donaldrobertson5747 I agree with you Donald! That's why I love my Gold card.
@@donaldrobertson5747gold card in A tier when savor one is better with no annual fee? Ok then. Enjoy paying more.
We’ve had the Blucash Preferred card for several years and with the kids in the house, the 6% back is awesome! I easily qualify for any Amex card but why pay more for random points and lounge points most never use. 🤔
Nice recap, although we will have to agree to disagree on the Delta Amex Platinum. Few annual fee cards are so easy to come out way ahead of the AF than this one IMO. $250 for free checked bags and a BOGO flight valued anywhere from ~$350 to $750+ is very easy to do with a travel partner. I can see if you were single that the viewpoint would be different. I live in MSP so lots of Delta flights available for me helps too. But it’s a keeper card and one of my favorites. Nice video!
The Marriott Bonvoy brilliant credit is for $300 in dining now.
A lot of the tier list does not take into account the intangibles such as hotel status, nor the free certs/companion certs that basically completely offset the annual fees (for hotel and Delta cards). In addition, those cards are rarely used for their multipliers.
Solid tier list otherwise, though I would disagree with the BCP being so highly ranked due to Cashback cards from other companies offering similar rates with no annual fees
thanks for making this video it made my day it was so entertaining im going to sub
My Platinum card arrived today! Was targeted with a 150K points offer - but was hesitant, because I had the business platinum and personal gold card about 20 years ago - but because I sucked at finances back then - they had both been shut down about a decade ago. Thankfully, from watching videos from yourself and others I’ve rebuilt my credit over the past couple of years, so I thought I’d try it out since they offered the preapproval thing like the Apple Card where you can see if you’re approved or not and accept/decline and crazy enough I was approved and it just arrived a few hours ago.
Congrats!! I got mine two weeks ago and I love it. I already booked at hotel with FHR. I’ll let you know how that goes!
@@trumpetboyclassical Nice!
I love love the platinum
@@carybtyd Yeah, I'm excited to get back into the AMEX ecosystem after all of these years. And this time around, I actually know how to use credit cards - and not get used by them
The thing about the hilton cards that I keep seeing is as a diamond member you get another multiplier of hotel points spent, so you get another 100% points from hilton. On top of that, you can pay the double points rates if you want to get another 2x. I think the optimized return I've heard is something like 34x hilton points. You also get suite upgrades as diamond, not just "room" upgrades as gold, which is something I recently learned. If the platinum weren't points heavy on flights, I'd go that route, but I really never want to fly again lol
The video edit 🔥🔥
Excellent video!
Amex and chase
All free for military. The real pro tip is knock out the large tier perks first before moving to next. Also waiting about 6 motlnths is best for credit score
People always leave out the Amex gold also offers 2x points on all travel aside from flights booked with Amex travel
Aspire is definitely S tier. My favorite card to use for any hotel stays and the airline credit is super easy to use if you know what you’re doing :)
Exactly, he completely dropped the ball on that one. Aspire is S tier all day - it's probably the most valuable American Express card, and the blue cash everyday is a better value than the Blue Cash preferred.
Thank you for your reviews, very helpful! Also, are you Ukrainian? I love the stock video footage from Приватбанк ❤
How did you mention Bonvoy's free night but not Hilton Aspire's free night? You also should had mentioned with Gold and Diamond status you get a daily food and beverage credit $10-35 (depending on the hotel brand). You also get a $100 dining credit for Waldorf and Conrad stays.
Hilton Asipre is easily S-tier plus the $250 airline incidental credit combined with the $250 resort credit easily pay's the AF
Please do a video with discover bank credit card
Would the blue cash preferred make sense if I already use the gold for groceries and use my sapphire preferred for streaming at 3%. Would the everyday make more sense?
Yes after you max out your 6% back for groceries for the year you can revert to the gold
Just got my Rose Gold card in the mail with a targeted 75k welcome bonus!
You left the $250 airline credit and the free night off of the Aspire. You can get $1k+ value from Aspire and $1500+ value from Platinum without ever even using them. They can sit in a sock drawer and you'll make more than you spend on both. How are they not both S tier?
Love your content but you blew it on both of those.
How did you put BCP s tier but the citi custom cash a tier? Make that make sense lol
Love my BCP card surprised it's the only S tier card though.
You forgot that on the blue Cash Preferred there’s a 7 dlls credit per month for Disney Plus.
Love Amex! I have 8 of their cards. Of the 8, Gold is my most used.
Eight of them oh wow
How many of them A/F cards?
Out of the 8 which one is best for Gas & streaming just curious…
8?! I thought the maximum amount of cards Amex let's you carry was only 5
@Rick Lopez 3 are charge cards. (Plat, Gold, Green) the others are credit cards
@Anthony jones all but 2 are A/F cards unfortunately, but they all have their place. Blue Cash is best for streaming. I use a non Amex card for gas that gives me 5% cash back
I got the AMEX GOLD TODAY PERSONAL CARD ✨️ its my 1st Amex Card
I don’t know why people hate on the Amex Everyday Preferred card so much. I think it is a great card if you combine it with another Amex card like the Gold card. Think about it if you get the 30 transactions in a month you get 4.5 points per dollar on groceries, 3 points on gas, and 1.5 points for everything else. I just use the Amex Everyday on groceries for my first 30 grocery transactions then I switch to Amex gold. That way at lest for my first 30 transactions I am making 0.5 more points on groceries.
💯 unsung hero if your adverse to high AF. I know the Golds credits aren't always usable some places. It's a Gold and BBP wrapped into one. Just not as flashy.
You are low on all of the Delta welcome bonuses. The Bonvoy Brilliant is $650 instead of $450. I would put the Aspire above this one by a good margin. Thanks for the content.
Gotta say, Gold is definitely S tier from the everyday benefits alone
I think Hilton Honors is giving out 100k+100 statement credit as SUB before Oct 26
this video came at the right time but before I get the amex I feel I really need to complete my Chase Trifecta 😭😭
Everyday Preferred is NOT a C-tier card. You can pair it with the Green Card, or the Platinum for a "decent" earning setup. It's A-tier or maybe B-tier at worst...
Not an A-tier but a strong B-tier
Um.. you didn’t do the Aspire card justice by leaving out more than half of its benefits.
I can understand you don’t like branded cards, but glossing over key benefits is misleading.
Honestly dont feel like the gold is S tier the freedom flex does its job significantly better but the platinum card should be S tier for its perks
Getting to the Amex Gold Card is my ultimate goal. What would you recommend to someone who is starting over with their credit on getting one? Started building it again about 10 months ago, I currently have 4 credit cards, 1 secured, 3 nonsecured and a car loan. I never carry over a balance on any of the cards, my car loan autopays out of my checking account and my reported card utilization is always 10% or lower. I'll admit I went overboard applying for cards the last few months as it was quite exciting getting approved. However I have 6 inquiries so I know I'll need to wait a while before applying for anything else. But I was thinking of eventually applying for the Amex Blue Cash Everyday card just to get my foot in the door with Amex before trying for the Gold Card since they most likely won't take a hard pull on my credit due to already having a card with them. Would this be a better idea than just going for the gold card first?
yes, depending on your credit spending patterns & FICO -score, make sure your above a 700 to increase your approval rate. I recommend utilizing their pre-approval soft pull link if your planning to apply initially for an AMEX -Gold A/ S -Tier card in my opinion. Please notice if you receive an invitation when applying for the AMEX -Gold this increases your chance of approval as their is no preset spending limit with this card. Good luck!
@@realize8739 Awesome! Thank you so much!!!
@@MrBankRelations Oh I already got it lol. Had that since June I think. Got the Green card a month later. 😁😁
Hmmm,i downgraded my blue cash preferred to the regular blue cash,it seems like a better card especially with the 3% online shopping
ok i know all this is HIS personal list and that's fine but putting the Amex gold on A for me is already strike #1 and strike #2 is also putting the Amex green on the same level as the gold card. if gold was A tier in my opinion the green should have been B tier. after that i just stopped watching pretty much.
Is it true that if you already have a American express card when u apply for a new one it's a soft pull?
Yes.
Have to disagree with the Aspire overview. The Aspire gives $250 incidental credit, $250 resort credit, a free night certificate as soon you get the card, $30 daily dinning credit, priority pass and Diamond status. No other card in the market can provide anything close to that. Overall great video but the Aspire is GOD tier.
Don't know about that Aspire rating....😳
What are the easiest amex cards to get? I'm sitting at a 670 fico on Experian. I don't want to waste a hp and get denied.
Including business cards too please
If you want to be safe you should try to wait to get a 700, but preferably 715 fico score and to be honest with you Amex is pretty hard to get. But I think you should try to get the Blue Cash Everyday Card. Amex usually wants you to have a 700 at least.
@@altstrange3663 I guess the store ones accept lower scores... Like delta. I'm just going to wait till I'm back to 740-770 and then I definitely don't need to worry
are ALL points and miles combinable within all of these cards?
Yes. And you can transfer them to Charles Schwab platinum Amex card for 1.1 cent per point for cash back instead of .6 or whatever it normally is
How is Amex Gold not in the S category is beyond me 😂😂
Ooof. Love the channel man but you really missed the mark on Amex cards. Unless this was an exercise to get people to comment, then I would say Amex cards are definitely not your strong suite. One example is you definitely never Analyzed the Aspire card.
This list looks all kinds of wrong, in my opinion of course! Aspire, Gold, Plat are S tier, and I wish you included the biz cards too!
The aspire has a free night that you left out, with that alone the yearly fee is justified.
You missed arguably the best card, charles schwab amex platinum card
This doesn’t seem like a very well researched/accurately informative video, unfortunately. Quick example the Apire has way more benefits and credits than are listed (easily offsetting the annual fee), and the Platinum also gets 5x points on flights booked directly with carriers. It’s a very well produced video though, I’ll give it that!
What does S stand for?
What do A, B, and C stand for
Aspire is easy S tier
Yeah, the Aspire card is definitely S tier. People purposely upgrade their regular hilton and Surpass cards to the Aspire card so that they have three of them and it still justifies the cost. The free night has no limit so I can book a $1500/night resort hilton hotel and if I have three cards, that's three nights or $4500 free.
Last night I literally took a pound of ground beef and made two oblong burgers out of it (2 slices of cheese each)... slapped a low carb wrap around each of them and absolutely demolished them. 👍
This is a terrible video. While the bcp is a good card making it S tier and it only gives cash back is misleading, because for someone that wants points it’s not even on the list at all. And someone please tell me how the platinum and green card are on the same level?
😁👍💳
Lmao they denied me a Blue cash credit card with a 760 Experian and 120k income, but approved the Rose Gold charge card.. go figure. Their customer service is absolutely worthless