Best Amex Cards With No Preset Spending Limit Of May 2024

The American Express® Green Card* bundles a nice selection of earning rates and benefits that will appeal to travelers who are looking for a well-rounded card at a mid-range price.

Rewards: Earn 3 points per dollar on travel and transit including flights, hotels, taxis, rideshare services, trains, parking and more, 3 points per dollar on eligible purchases at restaurants worldwide including takeout and delivery in the U.S. and 1 point per dollar on other purchases.

Welcome offer: Earn 40,000 points after spending $3,000 on purchases in the first 6 months.

Annual fee: $150

Other benefits and drawbacks: The Amex Green card often gets overshadowed by its more prestigious siblings but this one holds its own. Statement credits for CLEAR® Plus and LoungeBuddy can more than make up for the annual fee. Travel protections¹, though not glamorous, are also a potentially valuable benefit.

With extremely strong earning rates for dining and grocery purchases, the American Express® Gold Card will make sense for a lot of people, especially since Membership Rewards are so valuable (Terms apply, see rates & fees).

Rewards: Earn 4 Membership Rewards® points per dollar at restaurants, plus takeout and delivery in the U.S., 4 Membership Rewards® points per dollar at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1 point per dollar), 3 Membership Rewards® points per dollar on flights booked directly with airlines or through American Express travel and 1 point per dollar on other eligible purchases.

Welcome offer: Earn 60,000 Membership Rewards points after spending $6,000 on purchases in the first 6 months of card membership.

Annual fee: $250

Other benefits and drawbacks: The Gold card also includes statement credits toward select dining purchases as well as monthly Uber Cash deposits after enrollment. The downside to these perks, though, is the annual fee of $250, which may be more than you’d like to spend.

The Platinum Card® from American Express is a love it or hate it kind of card. But for those that use the included statement credits and travel benefits, it can’t be beat (Terms apply, see rates & fees).

Rewards: Earn 5 Membership Rewards Points per dollar for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year, 5 points per dollar on prepaid hotels booked with American Express Travel and 1 point per dollar on other eligible purchases.

Welcome offer: Earn 80,000 Membership Rewards Points after spending $8,000 on eligible purchases on the card in the first 6 months of card membership.

Annual fee: $695

Other benefits and drawbacks: You’ll need to pay attention not to miss out on any of the benefits, which include more than $1,500 in statement credits toward select airline incidental, hotel, digital entertainment and retail purchases. However, many of these credits are complicated to earn in full.

Not only is the American Express® Business Gold Card flexible with its spending limits, but it’s also flexible with the rewards you earn (Terms apply, see rates & fees). You’ll automatically be rewarded in the categories you spend the most money on.

Rewards: Earn 4 Membership Rewards® points per dollar on the 2 select categories where a business spends the most each month (up to $150,000 combined purchases per calendar year), 3 points per dollar on flights and prepaid hotels booked on Amex Travel and 1 point per dollar is earned for other purchases.

Welcome offer: Earn 70,000 Membership Rewards® points after spending $10,000 on eligible purchases within the first 3 months of opening an account.

Annual fee: $375

Other benefits and drawbacks: This card’s adaptability continues with the ability to pay over time on eligible purchases. However, beyond that, it’s light on perks. Choose this card for the rewards or its integrated expense management tools and not for flashy benefits.

The Business Green Rewards Card from American Express* doesn’t have a lot of stand-out benefits, but it does offer cash flow flexibility through Amex’s Pay Over Time program and no preset spending limits.

Rewards: Earn 2 points per dollar on eligible purchases at American Express Travel and 1 point per dollar on eligible purchases.

Welcome offer: Earn 15,000 Membership Rewards points after spending $3,000 in eligible purchases within the first 3 months of card membership.

Annual fee: $95

Other benefits and drawbacks: The Green card earns Membership Rewards on every purchase and comes with some basic protections including extended warranty, purchase protection and secondary car rental loss and damage insurance. Don’t be fooled, though: this is a basic card without the selling points of the more expensive Gold or Platinum business cards by Amex.

The Business Platinum Card® from American Express ushers you in with its consistently generous welcome bonus and then keeps you interested with its many statement credits and other perks (Terms apply, see rates & fees).

Rewards: Earn 5 Membership Rewards® points per dollar on flights and prepaid hotels through American Express Travel, 1.5 points per dollar on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software and 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 and 1 point per dollar on other eligible purchases.

Welcome offer: Earn 150,000 Membership Rewards® points after spending $20,000 in eligible purchases with the card within the first 3 months of card membership.

Annual fee: $695

Other benefits and drawbacks: Like the personal Platinum card, the business version has a long list of benefits that add value. You can earn statement credits in the first year of membership toward airline fees, wireless telephone services, Dell Technologies purchases and other business solution subscriptions. Plus, enjoy numerous travel status upgrades, trip protections¹ and bonuses.

The lesser-known The Plum Card® from American Express doesn’t participate in a traditional rewards program (Terms apply, see rates & fees). Instead, pay your bill early and earn 1.5% cash back or opt to pay up to 60 days later without accruing interest.

Rewards: Earn 1.5% cash back on the portion of balance paid within 10 days of the statement closing date.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $250

Other benefits and drawbacks: The flexible payment terms (in addition to its flexible spending limit) set the Plum card apart from nearly every business card available. Companies who don’t have consistent cash flow could use either set of payment terms—early or late—to their advantage, making up for the lack of rewards and other benefits.

The ultra-aspirational Centurion® Card from American Express* is a personal card with a catch—you can’t simply apply. But if you’re lucky enough to get an invitation, this exclusive Amex also has no preset spending limit.

Rewards: Earn 1 point per dollar on all other eligible purchases.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $5,000

Other benefits and drawbacks: This card offers one perk that others can’t: Exceptional customer service and a concierge that will go above and beyond. The Centurion card also comes with a slew of credits and complimentary elite status in numerous travel programs. All of this, of course, depends on actually being invited to apply.