American Express offers a variety of credit cards such as American Express Blue Cash Preferred® Card, American Express® Blue Cash Everyday, American Express® Blue Business Cash Card, and American Express Cash Magnet® Card which offer various cashback rewards to the cardholders of different categories such as travel, dining, grocery, gas stations ad many more along with attractive bonus points. Some of these cards do not charge any annual fee, provide 0% APR, and offer low interest rates in the starting period.
Summary TLDR
Top 4 American Express Credit Cards for Cashback [2025]
| Serial Number | Name of American Express for Cashback | Best Known & Value for |
|---|---|---|
| 1. | American Express Blue Cash Preferred® Card | American Express Credit Card Best Known For Cashback on Groceries |
| 2. | American Express® Blue Cash Everyday | American Express Credit Card Best Known For Cashback on Groceries |
| 3. | American Express® Blue Business Cash Card | American Express Credit Card Best Known For Cashback |
| 4. | American Express Cash Magnet® Card | American Express Credit Card Best Known For Flat-Rate Cashback |
Best American Express Credit Cards for for Cashbacks for [March 2025]
As of March 2025, American Express offers several credit cards that provide exceptional cashback rewards tailored to various spending habits. Here are some top options to consider:
1. American Express Blue Cash Preferred® Card
The American Express Blue Cash Preferred® card is an excellent choice for everyday shoppers who want to earn cashback on their purchases. This card provides a range of rewards, including bonuses for grocery shopping, streaming services, and everyday expenses, among other perks.
Cashback on Everyday Spending
- Issuer – American Express
- Payment Gateway – AMEX
- Credit Score – Good-Excellent
- Intro APR – 0% for 12 months
- Regular APR – 19.24%–29.99%
- Annual Fee – $0 intro annual fee for the first year, then $95
- International Transaction Fee – 2.7% of each transaction
- Cash Advance Fee – Either $10 or 5% of the amount of each cash advance, whichever is greater
- Sign-up Bonus – $250 statement credit after $3,000 spent in 6 months
- Balance Transfer – 19.24%–29.99%
- Best For – Families, Everyday Spenders
The American Express Blue Cash Preferred® Card, issued by American Express, offers high cash back on groceries, select streaming subscriptions, and transit. Its best feature is the 6% cash back on U.S. supermarkets, providing significant savings on groceries.
The card has an annual fee of $95. Unique features include 6% cash back on select streaming subscriptions and a $250 statement credit after spending $3,000 in the first 6 months. The required credit score is 690+. The referral program offers bonus Membership Rewards points.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| $0 intro annual fee for the first year, then $95. | 6% cash back on groceries at U.S. supermarkets | Car Rental Loss and Damage Insurance |
| Use cash back at checkout at Amazon.com. | 6% cash back on selected streaming subscription | Global Assist® Hotline |
| Grocery rewards, streaming rewards | 3% cash back on transit ( includes taxis, tolls, parking, etc.) | Purchase Protection |
| Strong intro APR offer | 1% cash back on other purchases. | Return Protection |
| Cashback rewards | – | Extended Warranty |
| Pay It Plan It® alternative payment features | – | Access to American Express Experiences events and ticket pre-sales |
| – | – | Get $7 back each month when you spend $9.99 or more on an eligible auto-renewing subscription. |
Pros & Cons:
Pros
- The card provides excellent purchase protection, return protection, and benefits of an extended warranty.
- The card offers excellent year-round cash back on groceries, and streaming subscriptions, allowing you to earn rewards on everyday spending.
- The annual credits from the Disney Bundle streaming service can help offset the yearly fee without depending on rewards spending.
Cons
- To earn a $300 bonus, the customer has to spend $3,000 in the span of 6 months, which can be quite difficult for some users.
- The card charges foreign transaction fee, so it is not suitable for international students or travelers who frequently make purchases abroad.
- The card has a $95 annual fee after the first year, which could be a deal breaker for cost-conscious individuals.
Expert Advice
The American Express Blue Cash Preferred® Card stands out as a great option for those who frequently spend and want to enhance their credit by refining their spending habits. With this card, you can take advantage of a generous welcome offer of $300 after reaching $3,000 in purchases within the first six months of holding the card. It also boasts impressive cashback rates on grocery shopping, streaming services, and much more.
2. American Express Blue Cash Everyday® Card
The American Express Blue Cash Everyday® Card is best for individuals who want to earn multiple cashback rewards on groceries, online retail purchases, gas stations, and many more.
Cashback Rewards
- Issuer – American Express
- Payment Gateway – Amex
- Credit Score – Good to Excellent
- Intro APR – 0% intro APR for 15 months
- Regular APR – 18.24% – 29.24% Variable
- Annual Fee – $0
- International Transaction Fee – 2.7% of each transaction
- Cash Advance Fee – Either $10 or 5% of the amount of each cash advance, whichever is greater
- Sign-up Bonus – $200 statement credit after spending $2,000 in purchases in 6 months
- Balance Transfer – 18.24% – 29.24% Variable
- Best For – Families, Online Shoppers, Grocery Shoppers, Budget-Conscious
The American Express Blue Cash Everyday® Card is a great cashback card for families, offering 3% back at U.S. supermarkets (up to $6,000 per year), 2% on gas and department stores, and 1% on everything else. Issued by American Express, it’s perfect for everyday spending and maximizing household purchases.
This card has no annual fee and requires a good credit score (700+). Credit limits are determined by financial history. The card offers a 0% intro APR for 15 months on purchases and balance transfers. While there is no referral program, it includes perks such as purchase protection, fraud liability coverage, and access to Amex Offers for extra savings.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| No annual fee | 3% cash back on groceries at U.S. supermarkets | Get free 2-day shipping* on eligible items with ShopRunner. |
| Accelerate Cash Back | 3% cash back in the U.S. Online Retail purchases. | Receive a $180 credit for Home Chef as $15 monthly statement credits |
| – | 3% cash back on Gas | $84 credit for The Disney Bundle through $7 monthly statement credits. |
| – | 1% cash back on other purchases. | Additional payment options like Pay It® or Plan It® |
| – | – | American Express Experiences |
| – | – | Global Assist® hotline |
Pros & Cons:
Pros
- It offers a competitive introductory APR on both purchases and balance transfers.
- It provides a strong combination of generous rewards categories with no annual fee.
- The U.S. online retail shopping category is a distinctive feature compared to other cards.
Cons
- This card has foreign transaction fees, making it less ideal for international purchases.
- If you hit the annual U.S. supermarket spending cap, you can earn more cash back with the American Express Blue Cash Preferred® card.
- Wholesale clubs and superstores like Target and Walmart are not considered U.S. supermarkets for the card’s bonus category.
Expert Advice
The American Express Blue Cash Everyday® Card can be a good option for individuals such as families, online shoppers, grocery shoppers, and budget-conscious people who enjoy shopping as it provides various cash back on different categories such as grocery, dining, travel, and many other purchases. This card does not charge an annual fee and provides 0% APR for 15 months.
3. American Express Blue Business CashTM Card
The American Express® Blue Business cash card can be a good option for small business owners or entrepreneurs who want to earn cashbacks on their purchases. This card offers the best business cashback rewards with 0% APR for 12 months.
Cashback on Business Purchases
- Issuer – American Express
- Payment Gateway – Amex
- Credit Score – Good-Excellent
- Intro APR – 0% for 12 months
- Regular APR – 18.24%–26.24%
- Annual Fee – $0
- International Transaction Fee – 2.7% of each transaction
- Cash Advance Fee – Either $10 or 5% of the amount of each cash advance, whichever is greater
- Sign-up Bonus – $250 after spending $3,000 in 3 months
- Balance Transfer – 18.24%–26.24%
- Best For – Small Business, Entrepreneurs
The American Express® Blue Business cash card is perfect for small businesses, offering 2% cash back on all eligible purchases (up to $50,000 per year, then 1%). It simplifies expense tracking and rewards businesses without the hassle of category restrictions.
This card has no annual fee and requires good credit. It comes with a credit limit that may be expanded under Amex’s “Expanded Buying Power” feature. Additional perks include purchase protection, employee cards, and extended warranties.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| No annual fee | 2% cashback on purchases. | Car Rental Loss and Damage Insurance |
| High flat cash back rate | 1% cashback on other purchases. | Global Assist® Hotline |
| Business cashback rewards | – | Get Employee cards |
| – | – | Connect to QuickBooks to manage your Employee business card. |
| – | – | View your purchase history, prepare reports, and budget your expenses. |
| – | – | Easily manage your account, pay your bill, check your balance, view your benefits from your mobile phone or tablet. |
| – | – | Purchase Protection |
| – | – | Extended Warranty |
| – | – | Dispute Resolution |
Pros & Cons:
Pros
- It also offers a reasonable introductory APR period for new purchases.
- This business card, which has no annual fee, boasts one of the highest flat rewards rates available.
- The Expanded Buying Power feature provides business owners with flexibility to exceed their credit limit for unexpected expenses.
Cons
- The $50,000 annual spending limit in the 2 percent category limits reward earnings.
- Additionally, aside from the Expanded Buying Power feature, the card offers fewer perks than other business rewards cards.
- The 2.7 percent foreign transaction fee can also reduce rewards if you travel abroad frequently.
Expert Advice
The American Express® Blue Business Cash Card is an excellent choice for small business owners and entrepreneurs looking to earn cashback on every purchase they make. This card has no annual fee, offers 0% APR for the first 12 months, and provides a sign-up bonus of $250 after you spend $3,000 on purchases within the first 3 months of having the card. It offers cashback rewards on purchases up to $50,000 per year, with 2% cashback on eligible purchases and 1% cashback on other purchases.
4. American Express Cash Magnet® Card
The American Express Cash Magnet® Card can be a good option for everyday users or online shoppers who want to build their credit. This card offers upto best business cashback rewards.
Business Cashback Rewards
- Issuer – AMEX
- Payment Gateway – Amex
- Credit Score – Good-Excellent
- Intro APR – 0% for 15 months
- Regular APR – 19.24%–29.99%
- Annual Fee – $0
- International Transaction Fee – 3% of each transaction
- Cash Advance Fee – Either $10 or 5% of the amount of each cash advance, whichever is greater
- Sign-up Bonus – $200 back after spending $2,000 in 6 months
- Balance Transfer – 19.24%–29.99%
- Best For – Everyday Users, Online Shoppers
The Amex Cash Magnet® Card, issued by American Express, is a simple, no-fuss cash-back credit card that offers unlimited 1.5% cash back on all purchases. It is ideal for those who prefer straightforward rewards without tracking spending categories. The cashback is automatically credited to the statement balance, ensuring effortless savings.
This card has no annual fee and requires a good credit score. It often comes with an introductory 0% APR for purchases and balance transfers. Additional benefits include fraud protection, purchase protection, and access to Amex Offers, which provide discounts at partner merchants.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| No annual fee | 1.5% cash back on purchases | Access to Amex Fan Experiences, exclusive merchandise and offers |
| Shop now and conveniently use cash back* at checkout at Amazon.com. | – | Car rental loss and damage insurance |
| Pay It Plan It® | – | Premium car rental protection |
| Amex Offers | – | – |
| Travel protections and coverage | – | – |
| Amex experiences | – | – |
Pros & Cons:
Pros
- You earn automatic cash back at a slightly increased rate on all purchases without needing to activate anything.
- This business card has no annual fee, making it suitable for all types of business.
Cons
- The card charges foreign transaction fees, making it less practical for international travelers.
- Since this card is discontinued, you can no longer apply to earn any welcome offers or benefit from an introductory APR.
Expert Advice
American Express Cash Magnet® Card is no longer accepting new applications.
Table of Comparison
| Name of the Card | American Express Blue Cash Preferred® Card | American Express® Blue Cash Everyday | American Express® Blue Business Cash Card | American Express Cash Magnet® Card |
|---|---|---|---|---|
| Payment Gateway | AMEX | AMEX | AMEX | AMEX |
| Best For | Families Everyday Spenders | Families Online Shoppers Grocery Shoppers Budget-Conscious | Small Business Entrepreneurs | Everyday Users Online Shoppers |
| Credit Score | Good-Excellent | Good-Excellent | Good-Excellent | Good-Excellent |
| Annual Fee | $95 | $0 | $0 | $0 |
| Annual Percentage Rate | 0% for 12 months | 0% for 15 months | 0% for 12 months | 0% for 15 months |
| Balance Transfer | 19.24%–29.99% | 18.24% – 29.24% Variable | 18.24%–26.24% | 19.24%–29.99% |
| Sign in Bonus | $250 statement credit after $3,000 spent in 6 months | $200 statement credit after spending $2,000 in purchases in 6 months | $250 after spending $3,000 in 3 months | $200 back after spending $2,000 in 6 months |
| Decision Criteria | Ideal to spend a significant amount on groceries (at U.S. supermarkets) and streaming services; the high reward rates offset the annual fee if the categories are maximized | Ideal for budget-conscious families aiming for a no-annual-fee cashback card with solid rewards on groceries, online shopping, and gas. | Great for small business owners, this card offers a simple cashback system with 2% back on the first $50,000 spent. The 0% intro APR helps in managing business expenses. | Card offers an easy flat cashback rate on all purchases, with no need to track categories. It has no annual fee and includes an intro APR which makes it a great option for beginners or anyone seeking a hassle-free rewards card. |
Methodology
- Card Selection Criteria: While selecting the card, make sure to focus on cashback percentages for different spending categories such as groceries, gas, online retail, and business expenses.
- Factors Considered: The various factors that need to be considered when selecting the American Express credit card for cashback will include – cashback rates, sign-up bonuses, annual fees, redemption options, and additional benefits (APR periods, travel/shopping protections, Amex Offers).
- Real-World Scenarios: Now, one should always evaluate cashback benefits for dining, grocery shopping, families, small businesses, and online shoppers.
- Spending Limits & Fees: After that, you can set bonus reward caps, annual fees, credit score requirements, and international transaction fees as per your requirements.
- Final Goal: Finally, you can identify top American Express cashback cards by aligning them with your individual spending habits and financial goals for optimal rewards.
Does American Express Credit Cards offer Cashback?
Yes, American Express offers various cashback credit cards, allowing the cardholders to earn a percentage of their purchases back as a reward. Cardholders can easily redeem the earned cashback for statement credits.
Some card by American Express for cash-back rewards:
American Express Blue Cash Everyday Card
This card offers cash-back benefits in specific categories, such as U.S. supermarkets, U.S. online retailers, and U.S. gas stations. Cardholders earn approx 3% cash back on up to $6,000 in yearly purchases in these categories (then 1%) and 1% cash back on all other eligible purchases.
American Express Blue Cash Preferred Card
This card offers higher cash-back rewards in certain spending categories. Cardholders can earn 6% cash back at U.S. supermarkets (on up to $6,000 in purchases per year) and on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations, and on transit, including tolls, parking, trains, and buses.
How Do American Express Credit Cards Help to Get Cashback on Purchases?
- American Express credit cards offer cashback on eligible purchases through “Reward Dollars”. When using a cashback card, you earn a percentage back from qualifying transactions. Some cards, like the Blue Cash Preferred, provide higher rates for specific categories, such as groceries and streaming, while others offer a flat rate on all purchases.
- Be aware that some cards may have point caps, limiting the maximum cashback on certain purchase amounts. Review your card’s terms to understand how cashback works and how to redeem it.
- You can redeem your cashback rewards as a statement credit at any time. To redeem the reward, you need to log into your American Express account and select “Use Reward,” then enter the amount to be used as a statement credit.
- Amex cardholders can maximize the benefits of a cashback card by paying the balance in full each statement period to avoid interest charges.
Choosing the Best American Express Credit Card for Cashback
To choose the best American Express (Amex) credit card for cash back, consider the following criteria:
Cash Back Rate
When selecting a cashback credit card, consider the cashback rates for different categories. Some cards offer higher rates for specific spending categories, while others provide a flat rate for all purchases.
For example, the American Express Blue Cash Preferred® Card offers about 6% cash back at U.S. supermarkets (up to $6,000 annually) and on select U.S. streaming subscriptions.
Fees
Consider whether the credit is charging any annual fee or not and whether the cashback rewards outweigh the cost of the fee. Some cards with higher cashback rates may have annual fees, while others with lower rates may not.
Credit Score
A cardholder requires a good credit score to get approved for an Amex credit card. Amex will review factors such as payment history, personal income, and credit score before approving a credit limit increase.
Spending Habits
Evaluate your spending habits to find out where you spend the most, such as groceries, gas, online shopping, or travel. This process will help you to choose the best credit card with higher cashback in those categories to maximize your rewards.
Welcome Bonus
Some cards offer a welcome bonus for new cardholders who meet certain spending requirements within a specific time frame. This can provide an initial boost to your cashback earnings.
Redemption Options
Check how you can redeem your cashback rewards. Amex typically allows you to redeem as a statement credit or at Amazon.com checkout.
Additional Benefits
Many Amex cards offer these perks, which add value to your card experience. American Express also provides several opportunities to earn bonus points or cash back on suitable purchases, which makes it beneficial to explore the options available.
Advantages of Cashback American Express Credit Cards
Cashback American Express credit cards offer several advantages that can enhance the cardholder’s financial experience.
- Competitive Cash Back Rates: Amex cashback cards offer 1.5% to 6% cash back on eligible purchases which allows you to earn rewards on everyday spending.
- Immediate Rewards: Cashback is credited to your account in the same month, giving you quick access to your rewards.
- Flexible Redemption Options: Redeem cash back as statement credits or at checkout on sites like Amazon, giving you options for use.
- Additional Perks and Offers: Amex cards include benefits like purchase protection, travel insurance, and exclusive discounts.
- Financial Flexibility: Using credit cards lets you buy now and pay later, helping you manage cash flow.
- Building Credit History: Responsible use and timely payments can enhance your credit score over time.
- World-Class Customer Service: Amex offers 24/7 support, ensuring assistance is always available.
Frequently Asked Questions
Can you get cash back from an Amex card?
Yes, American Express offers cashback credit cards that allow cardholders to earn a percentage of cahsbcak on their purchases as cash rewards, which can be redeemed as statement credits.
Which Amex is best for cashback?
The American Express Blue Cash Preferred® Card is often considered the best for cashback rewards which offer up to cashback upto 6% on groceries and select streaming services, along with 3% on transit and gas which makes it an ideal for those who spend heavily in these categories.
Does American Express have a 2% cash-back card?
While Amex does not specifically offer a card with a flat 2% cash back rate, the Cash Magnet Card provides 1.5% cash back on all purchases without any caps or categories to track.
How do I get my cashback from American Express?
Cashback earned through American Express can be redeemed as a statement credit directly on your account, with no minimum redemption requirement, allowing for easy access to your rewards.
How do I redeem my American Express cashback?
To redeem your cashback, log into your American Express account and select the option to use your rewards as a statement credit card against your balance; this can typically be done without any minimum redemption threshold.