The event, which was hosted by blackish star Tracee Ellis Ross, also marked Cardi's first awards show performance since giving birth to her daughter, Kulture Kiari Cephus, whom she welcomed with husband Offset on July 10.
Accepting the artist of the year prize on stage, Swift said: "I just want to say to the fans, you have been so nice to me and fun and amusing and so cool and so loyal, and it's not lost on me, I understand how lucky I am". The midterm elections on November 6 - get out and vote.
On Tuesday, the Fearless singer told the American Music Awards audience in Los Angeles and millions watching at home to go and vote.
Swift is nominated for artist of the year, where she will compete with Ed Sheeran, Imagine Dragons, Post Malone and Drake, who ties with Cardi B for most nominations with eight.
Swift opened up during one of her acceptance speeches, revealing she was already working on new work.
The three wins took Taylor's AMAs total to 22, breaking Whitney Houston's record for the most won by a female artist at the annual prizegiving.
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The benchmark USA stock index hadn't suffered a five-day losing streak since November 2016, just before the presidential election. Earlier on Wednesday, Sears Holdings plunged on reports that the struggling retailer is preparing to file for bankruptcy.
Pictured at the American Music Awards, Taylor dressed for the occasion, opting for a high neckline but a tiny hem.
She went on to win awards at the show in 2010, 2011, 2012, 2013, 2014 and 2015, but was left out of the nominations in 2016 and 2017.
Other performers on the night included Taylor Swift, Camila Cabello, and some other people but we've forgotten because none of them came close to this certified mome.
Taylor Swift, who just wrapped the North American leg of her "Reputation" tour, kicked off the show with her single "I Did Something Bad".
On top of being the most decorated artist of the evening, Swift performed her new song I Did Something Bad.
Image: The ceremony closed with a tribute to Aretha Franklin.
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