American ExpressThe biggest bonuses, and the least clear rules. Public offers are often lower than what you can actually get through referral or targeted links. Eligibility comes down to the once-per-lifetime rule and its pop-up warning, not published criteria. The Platinum fee moved to $895 in the 2026 refresh.
American Express
Card issuer · 9 live offers, $300 cash + points offers
American Express has 9 live sign-up bonuses we track, the biggest $300. Every offer below is verified against American Express's own terms and carries the date we last checked it. We take no affiliate placement, so what appears and in what order reflects the offers, not payouts.
Live offers
Gold CardTravel card · $325 annual fee100K ptsChecked Jul 17, 2026High Yield SavingsSavings · Nationwide3.00% APYChecked Jul 17, 2026SkyMiles Reserve BusinessTravel card · $650 annual fee80K miChecked Aug 1, 2026Surpass CardTravel card · $150 annual fee130K ptsChecked Aug 11, 2026Delta SkyMiles ReserveTravel card · $650 annual fee100K miChecked Aug 25, 2026Platinum CardTravel card · $895 annual fee175K ptsChecked Jul 17, 2026Business Platinum CardTravel card · $695 annual fee300K ptsChecked Jul 17, 2026Business Gold CardTravel card · $375 annual fee200K ptsChecked Jul 17, 2026Blue Cash Preferred CardCash-back card · $95 annual fee$300Checked Aug 8, 2026
Referral programs
What an existing American Express customer earns for referring someone. The offers above are the other side, which is what a new customer gets.
| Program | You earn | Cap | Tax form |
|---|---|---|---|
Apply through your link and be approved for a Card confirmed Jul 22, 2026 | Not published Set per Card Member, shown only to you | 5 per calendar year, per person | 1099-MISC |
Compare American Express
Common questions
What sign-up bonuses does American Express have right now?
American Express has 9 live sign-up bonuses, the biggest $300. See the full list above, each verified against American Express's own terms.
Does American Express use ChexSystems?
Not applicable. No consumer checking bonuses currently listed
Does opening a American Express account affect my credit?
Hard inquiry; often waived for existing cardholders
How American Express bonuses have moved
Every tracked figure below is flat or down on its previous level. Each row shows where the current figure sits against its own history, not against any other institution.
Blue Cash Preferred Card
now up to $300
Guides that cover American Express
- Business bank and card bonusesBusiness bonuses pay more than personal ones and almost nobody claims them, because most people assume they do not have a business. The eligibility bar is lower than it looks, and the rules that follow it are different in ways that matter.
- The American Express welcome bonus guideAmex runs the largest sign-up bonuses in the market and explains them the worst. This is how the once-per-lifetime rule really works, why the offer on the public page is almost never the best one you can get, and where the bonuses stand right now across the whole lineup.
Past offers
| American Express Business Checking: 70,000 points bonus | ended 2026-07-31 | 0 reports preserved |
| American Express Rewards Checking: $300 bonus | ended 2026-07-30 | 0 reports preserved |
| American Express Green Card: 40,000 points bonus | ended 2026-07-23 | 0 reports preserved |
| Hilton Honors Surpass: 130,000 points bonus | ended 2026-07-29 | 0 reports preserved |
| Hilton Honors Card: 100,000 points bonus | ended 2026-07-29 | 0 reports preserved |
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