American Express credit cards compared
Every active American Express credit card in the CardMasters catalogue, ordered by recurring annual fee, with the reward rate, caps, exclusions and forex markup that decide real value. CardMasters is independent of American Express.
American Express credit cards at a glance
CardMasters tracks 4 active American Express credit cards, 4 of them with a dated issuer-source check as of 2026-08-01. The lowest paid annual fee is ₹495 on American Express SmartEarn. The highest recorded annual fee is ₹5,000 on American Express Platinum Travel. Approval and final terms remain at American Express's discretion.
Source: CardMasters issuer-evidence catalogue, release 2026-08-01. Confirm final terms with the issuer.
American Express SmartEarn
₹495 + GST
1 Membership Rewards point per ₹50 on eligible spend
3.5%
Amex
Best suited to: first amex, online shopping, low fee. Recorded exclusions: fuel, insurance, utilities, cash advance.
Review rewards, caps, fees and issuer evidence →American Express Gold Charge Card
₹4,500 + GST
1 Membership Rewards point per ₹50 on eligible spends, including utility payments
3.5%
Amex
Best suited to: charge card, points collector, high monthly transactor. Recorded exclusions: fuel, insurance, cash advance.
Review rewards, caps, fees and issuer evidence →American Express Membership Rewards Credit Card (MRCC)
₹4,500 + GST
1 Membership Rewards point per ₹50 on eligible spend
3.5%
Amex
Best suited to: disciplined monthly spender, points collector. Recorded exclusions: fuel, insurance, utilities, cash advance, emi.
Review rewards, caps, fees and issuer evidence →American Express Platinum Travel
₹5,000 + GST
1 Membership Rewards point per ₹50 on eligible spend
3.5%
Amex
Best suited to: milestone spender, hotels. Recorded exclusions: fuel, insurance, utilities, cash advance, balance transfer, fees, emi.
Review rewards, caps, fees and issuer evidence →American Express credit card FAQs
How many credit cards does American Express offer?
CardMasters records 4 active American Express credit cards in the 2026-08-01 catalogue release, 4 of which have a dated issuer-source verification. Issuers can add, reprice or withdraw cards at any time.
Which American Express credit card has no annual fee?
No American Express card in the current CardMasters record is free of an annual fee, though several publish a spend-based waiver. Check each card page for the waiver threshold.
Which is the best American Express credit card?
There is no single best card. Value depends on your spend mix, the cards you already hold, realistic redemption value and approval fit. Compare fee, accelerated categories, caps and exclusions on each American Express card page, then check the net value against your own wallet.
Is CardMasters affiliated with American Express?
No. CardMasters is independent, is not a bank or lender, and affiliate commission never affects the ordering or evaluation of any American Express card. Card approval, credit limit and final pricing rest solely with the issuer.