Best Flexible Points Membership Rewards Cards

In the interest of full disclosure, we may earn a referral bonus for anyone that's approved through the links below. Please check out our advertising policy for further details about our partners, and thanks for your support.
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.
  • 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 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 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 incidental fees charged by your one selected, qualifying airline to your Card.
  • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
  • 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 03/2023.
  • $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 $8,000 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.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with 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, SiriusXM, and The Wall Street Journal. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) 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 Up Benefits are excluded.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $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.
  • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
  • $100 Global Entry Credit: Receive either a $100 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.
  • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.
Earn 80,000 Membership Rewards Points

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

American Express Business Gold Card

American Express® Business Gold Card

Earn 70,000 Membership Rewards® points
  • 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 two categories you use most in a billing cycle, rather than having to choose just one or two each year.

Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle 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.

Foreign Transaction Fee: None
Annual Fee: $375
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.*
  • Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle 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 $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
  • Your Card - Your Choice. Choose from Gold or Rose Gold.
  • *Terms Apply
Earn 70,000 Membership Rewards Points

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.*

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 $6,000 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.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • 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 $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

The Blue Business® Plus Credit Card from American Express

Earn 15,000 Membership Rewards® points
  • 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.

Learn more from these OMAAT posts:

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 18.49% - 26.49% 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.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
  • 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.
  • 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.