Best Flexible Points Membership Rewards Cards

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Business Card Perks
The Business Platinum Card from American Express

The Business Platinum Card® from American Express

Earn 120,000 Membership Rewards® Points
Business Card Perks
  • Earn 1.5x on purchases of $5,000 or more in a single transaction on up to $2MM per calendar year
  • Redeem Points For Over 1.5 Cents Each Towards Airfare
  • Amex Centurion Lounge Access
Apply Now Securely with Amex | Terms Apply.
In general, I would say that the Amex Business Platinum Card is a business card that you get in the long run for the benefits that it offers, rather than for the return on spending that it directly offers. It could make sense to spend money on the card if your business consistently makes $5,000+ purchases, other than that, there are better cards for everyday spending. The card offers big benefits but also has a steep annual fee. When it comes to accounting for the value of the card, I recommend considering the following:
  • How much do you value the various credits?
  • How much do you value the Marriott and Hilton Gold status?
  • How much value will you get from Amex Fine Hotels & Resorts and the International Airline Program?
  • How much do you value the incredible lounge access perks offered by the card?
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Earn 1.5X points for each eligible purchase of $5,000 or more and every dollar spent on Eligible U.S. purchases in these select business categories (Earn 1.5X on up to $2 million of these purchases per calendar year):
    • Construction material and hardware suppliers
    • Electronic goods retailers and software & cloud system providers
    • Shipping providers
  • Earn 1x points per dollar spent on all other purchases
Foreign Transaction Fee: None
Annual Fee: $695
Intro Purchase APR: N/A
Intro Balance Transfer APR: N/A
  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that's an extra half point per dollar) on eligible purchases 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 everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
  • $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at more than 50 U.S. airports and stadiums.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
  • $695 Annual Fee.
  • Terms Apply.
Earn 120,000 Membership Rewards Points

Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.

Lounge Access

The Platinum Card® from American Express

Earn 80,000 Membership Rewards® Points
Lounge Access
  • Earn 5x points on flights purchased directly from airlines or through Amex Travel (up to $500k/year)
  • $200 Annual Uber Credit
  • Amex Centurion Lounge Access
Apply Now Securely with Amex | Terms Apply.
I love my Amex Platinum Card and find it well worth the annual fee. I think it can definitely be worth getting, though I also do think most people are using this card wrong. This isn’t a card you should be using for all of your credit card spending, but rather it’s a card you should get for the perks that it offers, as well as the 5x points on airfare. To decide if you should get the card, take the $695 annual fee, subtract how much value you’d get out of the credits, and then consider how much more you value the other perks of the card, including the great lounge access benefit. For a frequent traveler or anyone who buys international premium cabin tickets with any frequency, I think the card is well worth it.

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.

Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

Earn 1x points per dollar spent on all other purchases

Foreign Transaction Fee: None
Annual Fee: $695
Intro Purchase APR: N/A
Intro Balance Transfer APR: N/A
  • Earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • 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.
  • Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. Plus Ups are excluded.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • Get up to $300 back per calendar year on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card. Enrollment required. Learn more.
  • Breeze through security with CLEAR® lanes available at 100+ airports, stadiums, and entertainment venues and get up to $189 back per calendar year on your membership when you use your Card. Learn more.
  • $695 annual fee.
  • Terms Apply.
Earn 80,000 Membership Rewards Points

Earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership.

American Express® Business Gold Card

Earn 70,000 Membership Rewards® points
  • Earn 4x Membership Rewards points on airfare purchased directly from airlines
  • Access to Amex Offers
  • Redeem Amex Points Towards Airfare
Apply Now Securely with Amex | Terms Apply.
Earning 4X Membership Rewards® for small business expenses is an awesome return, and we especially like that it automatically applies to the categories you use most in a billing cycle, rather than having to choose just one or two each year.

Each billing cycle you earn 4x Membership Rewards points on the two categories in which you spend the most. This can change each billing cycle based on your spending patterns. The Amex Business Gold Card offers up to 4x points in the following categories:

  • Airfare purchased directly from airlines
  • U.S. purchases for advertising in select media
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants
  • U.S. purchases for shipping
  • U.S. computer hardware, software, and cloud computing purchases made directly from select providers
Foreign Transaction Fee: None
Annual Fee: $295
Intro Purchase APR: N/A
Intro Balance Transfer APR: N/A
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month-or pay over time with interest.*
  • *Terms Apply
Earn 70,000 Membership Rewards Points

Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*

Dining

American Express® Gold Card

Earn 60,000 Membership Rewards® points
Dining
  • 4x points at restaurants
  • 4x points at U.S. supermarkets, on up to $25,000 in purchases annually
  • 3x points on flights booked directly with airlines or through amextravel.com
Apply Now Securely with Amex | Terms Apply.
The Amex Gold Card is one of American Express’ best credit cards for earning points. With 4x points at restaurants and 4x points at U.S. supermarkets (up to $25,000 annually), earning Membership Rewards points is easy. The card also offers some credits that are potentially useful, which for many will help offset the annual fee. The card offers up to a $120 annual dining credit, plus multiple Uber benefits, which I find to be very worthwhile.

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).

Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

Foreign Transaction Fee: None
Annual Fee: $250
Intro Purchase APR: N/A
Intro Balance Transfer APR: N/A
  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and 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, Milk Bar and select Shake Shack locations. Enrollment required.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
Earn 60,000 Membership Rewards Points

Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

American Express® Green Card

Earn 45,000 Membership Rewards® Points
The card details for the American Express Green Card have been collected independently by OMAAT and have not been reviewed or provided by the card issuer.
  • Earn 3x Membership Rewards points at restaurants
  • Earn 3x Membership Rewards points on travel globally (including transit)
  • $189 Annual CLEAR Credit
Apply Now Securely with Amex | Terms Apply.
The Amex Green Card is one of my favorite mid-range American Express cards. The $150 annual fee card offers 3x points on dining, travel, and transit, and offers up to almost $300 in annual credits ($189 with CLEAR and $100 with LoungeBuddy). As someone who pays $100+ per year for a CLEAR membership, that is more or less good as cash to me.
  • 3x points at restaurants
  • 3x points on travel purchases (including transit)
Foreign Transaction Fee: None
Annual Fee: $150
Intro Purchase APR: See Pay Over Time APR
Intro Balance Transfer APR: N/A
  • Earn 45,000 Membership Rewards® Points after you spend $2,000 on purchases on your new Card in your first 6 months of Card Membership.
  • Earn 3X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery.
  • Earn 3X Membership Rewards® points on all eligible travel, from subway swipes and window seats to hotel stays and city tours.
Earn 45,000 Membership Rewards Points

Earn 45,000 Membership Rewards® Points after you spend $2,000 on purchases on your new Card in your first 6 months of Card Membership.

Business Green Rewards Card

Earn 25,000 Membership Rewards® points
The card details for the Business Green Rewards Card have been collected independently by OMAAT and have not been reviewed or provided by the card issuer.
  • Earn 2x points per dollar spent at amextravel.com
  • Access to Amex Offers
Apply Now Securely with Amex | Terms Apply.
In general, I see what American Express is going for with the Green Rewards Card. This is a great mid-range business card from American Express that earns Membership Rewards points, with a modest annual fee.
  • 2x Membership Rewards points for each dollar of eligible purchases made when booking on the American Express Travel website
  • 1x Membership Rewards points on all other purchases
Foreign Transaction Fee: 2.7%
Annual Fee: $95
Intro Purchase APR: N/A
Intro Balance Transfer APR: N/A
Earn 25,000 Membership Rewards Points

Earn 25,000 Membership Rewards® points after you spend $3,000 on eligible purchases on your new Card within the first 3 months of Card Membership.

The Blue Business® Plus Credit Card from American Express

Earn 15,000 Membership Rewards
  • 2x points on purchases up to $50k then 1x
  • Access to Amex Offers
Apply Now Securely with Amex | Terms Apply.
If you’re into collecting points then the Blue Business Plus Card is an absolute must. Earning 2x Membership Rewards points, which I value at a ~3.4% return, is unrivaled. Best of all, you’re getting all of this with a no annual fee card that earns points that can be transferred to airline and hotel programs.

Earn 2X Membership Rewards® points on everyday business purchases. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.

OMAAT Resources

Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
Annual Fee: No annual fee
Intro Purchase APR: 0% on purchases for 12 months from the date of account opening, then a 16.99% - 24.99% variable APR
Intro Balance Transfer APR: N/A
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 24.99%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply
Earn 15,000 Membership Rewards Points

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.