FEATURED CREDIT CARDS

Destiny® Mastercard® with Instant Credit

  • ✓ Don't wait for your card to come in the mail. If approved, add your card to your mobile wallet and shop today. See Terms.

    Rates & Fees

Indigo® Mastercard® - $1,000 Credit Limit

  • ✓ Get the credit limit you deserve—$1,000 guaranteed if approved
  • ✓ Don't Have Perfect Credit? No Problem!

    Rates & Fees

Milestone® Mastercard® with Cashback Rewards

  • ✓ 5% Cashback Rewards on your first $5,000 in gas purchases!
  • ✓ Guaranteed $1,000 credit limit if approved.

    Rates & Fees

American Express Accepted Locations

If you have an American Express Card, you may be wondering where you can use it. American Express is accepted at millions of merchants, including major retailers, grocery stores, restaurants, gas stations, hotels, airlines, and online businesses.

American Express says its Cards can be accepted at 99% of places in the United States that accept credit cards, based on the February 2025 Nilson Report. However, acceptance is not universal, so it can be useful to check whether a particular business accepts Amex before you shop.

This guide explains how to find American Express accepted locations and provides links to more detailed guides about specific retailers.

Affiliate Disclosure: We are a professional review site that receives compensation from the companies whose products we review and recommend. If you click on a link, when an application is approved, or when an account is opened, we may earn a commission. We are independently owned, and the opinions expressed here are our own.

How Can I Find American Express Accepted Locations?

The easiest way to check whether a business accepts American Express is to use the American Express Maps tool.

You can search for businesses by name or location to find qualifying merchants that accept American Express. American Express also provides an online directory for qualifying businesses that accept Amex online or do not have a physical location.

If you are trying to determine whether a particular store or restaurant accepts Amex, searching for the business directly can be more useful than relying on a general list of accepted merchants.

What Major Stores Accept American Express?

Many major retailers accept American Express, although payment options can vary by business and between in-store and online purchases.

We are building individual guides for some of the most common American Express acceptance questions:

These individual guides provide more specific information about using an American Express Card at each retailer.

Can I Use American Express Online?

Yes. American Express is accepted by many online businesses. The American Express Maps system also includes an online directory for qualifying businesses that accept Amex online or do not have a physical location.

When shopping online, check the payment methods shown by the merchant during checkout to see whether American Express is accepted.

Who Does Not Accept American Express?

Although American Express acceptance is widespread, some businesses still do not accept Amex. A business may accept other major credit-card networks without accepting American Express.

If you are unsure about a particular business, check the American Express Maps tool or ask the business directly.

For a more detailed look at businesses and situations where you may not be able to use an Amex Card, see:

Who Does Not Accept Amex?

American Express Acceptance by Store

As we add more retailer-specific guides, this page will serve as the central resource for American Express acceptance information.

If you are looking for a specific retailer, start with one of the guides above. If the retailer is not listed, use the American Express Maps tool to check the business directly.

Considering an American Express Card?

If you are researching American Express acceptance because you are deciding whether an American Express Card is right for you, you can also view our American Express credit card offers to compare the Cards currently available.

Bottom Line

American Express is accepted at a very large percentage of U.S. businesses that accept credit cards. American Express says its Cards can be accepted at 99% of places in the United States that accept credit cards, based on the February 2025 Nilson Report.

However, acceptance is not universal. The quickest way to check a particular business is to search for it using the American Express Maps tool or check the merchant's current payment information.


About the Author

My name is Paul Basco, and I’ve spent years working in affiliate marketing and analyzing the credit card industry. During that time, I’ve reviewed hundreds of credit card offers, tracked how these cards actually affect people over time—including how fees, usage habits, and timing decisions impact long-term credit outcomes.

This site is built on real-world experience—not theory—with a focus on helping people avoid costly mistakes and make informed financial decisions that benefit them long-term.



Found this guide helpful? Save this for later as you continue your financial journey!



See Credit Card Offers That May Be Available to You
Complete a short form to see credit card offers based on your credit profile.
100% FREE. No Obligation.
Compare a variety of credit card offers.

➤ Easiest Credit Cards to Get Approved for with Bad Credit

FICO® Credit Scores

A FICO® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.

FICO® Score Ranges:

  • Exceptional: 800–850
  • Very Good: 740–799
  • Good: 670–739
  • Fair: 580–669
  • Poor: 300–579

FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.

What is a Credit Score?

A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.

Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.

FICO® Credit Score Facts

Key Characteristics:
  • Three-Digit Number: Summarizes your credit risk.
  • Range: 300–850; higher scores = lower risk.
  • Data Source: Uses your credit reports from Experian, Equifax, and TransUnion.
  • Industry Standard: Lenders rely on FICO for mortgages, auto loans, and credit cards.

Note: Credit scores reflect your creditworthiness but do not guarantee approval for any credit product.

Advertiser Disclosure:

The card offers that appear on this site are from companies from which Gettingacreditcard.com may receive compensation when a customer clicks on a link, when an application is approved, or when an account is opened. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.

About Our Offers:

The card offers that appear on this site are from companies from which Gettingacreditcard.com may receive compensation when a customer clicks on a link, when an application is approved, or when an account is opened. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.