If you hold a Membership Rewards-earning American Express card, you can score a 10%. Another option that would potentially make me consider the Apple Card, even with its current earning structure and benefits package, is a good sign-up bonus. CNN Underscored Money. The American Express® Green Card * ’s current welcome bonus is: 40,000 points after spending $3,000 on purchases in the first 6 months. Application link: Amex Platinum with a 80,000-point welcome bonus. ). Scotiabank Value ® Visa* Card. Blue Cash Preferred® Card from American Express. Here is the earning structure on this card:This card is great for those who want to earn cash-back with U. 70,000 Membership Rewards® points after spending $10,000 on eligible purchases within the. Delta Platinum Amex welcome offer. 20. Gift Cards – Use your rewards to purchase gift cards and receive $5 free added. The Amex Gold offers 60,000 Membership Rewards Points when you spend $6,000 in the. Welcome bonus offer. Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. American Express Cash Back Credit Cards allow you to earn a percentage of the dollar amount of every eligible purchase, made during each billing cycle. No rebate cap. Cardholders can also earn an initial bonus of. The average initial bonus is 30,719 points/miles or $233 cash back. Car Rental Loss and Damage Insurance [$175] The Amex Gold card comes with secondary car rental insurance but offers the option to purchase primary Premium Protection for 1 low fee that covers the entire rental period. If you want a similar card that doesn’t charge an annual fee, then the Amex Blue Cash Everyday card is the perfect option. Good to Excellent. The Gold’s annual fee is nowhere near that of the Platinum’s, which at $695 (see rates & fees) is the priciest card on offer to most Amex consumers. S. Updated 10:10 PM EDT, Mon November 13, 2023. For months seven through 12, you'll earn 10,704 Membership Rewards points if you use the Amex Gold (at 4x return). In comparison, t he Blue Cash Preferred® Card from American. BocciaChoc • 53 • 3 yr. At Amex, cash back is earned in the form of Reward Dollars that can be redeemed for statement credits, with no redemption minimum. You would have to spend roughly $3500 more per year on travel than you do groceries for CSP to be a better value (if someone can double check my math that’d be much appreciated. 80,000-point. 80,000-point. Interest Rates. Winner: The Platinum Card. 5% cash-back on every purchase, while the Amex Gold card earns at least 1 Membership Rewards point on every purchase. The good news is, Amex Platinum cardholders have access to up to $300 a year in statement credits when they use their card on the Equinox+ digital fitness app or eligible Equinox club memberships. online retailers. Why you might want a different cardAmerican Express Business Platinum Card basics. Enjoy dining and on-site hotel experience credits. 99 a month. Whether you’d prefer to earn up to 6% cash back in certain spending categories or would rather pay no annual fee, Amex has a cash back Card for you. ago. Coverage is limited to $1,000 per item on the Amex Blue Cash Everyday card and $10,000 per item on the Amex Gold card. Amex Gold comparison Here's a quick overview that compares the key perks on the two cards (note that enrollment is required for select. Limited time offer ends 9. Thus, on earnings. Here’s a few different. First-year rewards value: $512. On an absolute basis, the Amex Gold card boosted its value proposition significantly (offering up to $120 in annual Uber Cash and removing a hard-to-use $100 airline fee credit). Both cards have annual statement credits that can help offset their annual fees. We value Amex Membership Reward points at 2. A Gold card's annual fee is $250 per year; the Platinum card's annual fee is $695. So you could look at it as getting a small rebate on your spending. The best American Express credit cards in 2023. Image Credit: American Express. The math, in the. Platinum; Citi Double Cash vs. Updated 10:10 PM EDT, Mon November 13, 2023. While it’s the more expensive of the two, the Amex Gold card still provides significantly more value overall. QuicksilverOne. This year, however, I have a bunch of travel plans (later in the year though, pretty much every month from July to December, fingers crossed now though) and I was looking at Amex Platinum. The Platinum Card® from American Express: Best for frequent travelers. With the BPI Amore Platinum Cashback credit card, it definitely is! This card offers cashback on your essential and lifestyle spending, making it the ultimate shopping partner here and abroad, in. The Platinum Card® from American Express is most definitely the latter. Earn 95,000 points after spending $6,000 within the first 6 months. gas stations. Keep in mind that Amex has strict rules when it comes to earning a. Terms Apply. Both cards offer travel and purchase protections, rental car coverage, and exclusive access to American Express Experiences. S. It’s worth noting, however, that U. SUMMARY. Annual Fee. It's really a benefits card. The Amex Platinum card offers just 2 bonus categories for flights and prepaid hotels booked through Amex Travel. ago. While it’s the more expensive of the two, the Amex Gold card still provides significantly more value overall. You just can't change miles into cash back. After the first three months, you get 0. Both cards offer travel and purchase protections, rental car coverage, and exclusive access to American Express Experiences. The Capital One Venture X Rewards card debuted in late 2021 with excellent travel perks and an annual fee of $395 — the lowest of any card on this list. 88, this is actually charged out in monthly bites – so $12. While the Amex Green Card also includes the same 90-day benefit, you're capped at $1,000 per claim and $50,000 per year. Where this. 80,000-point. com Both the American Express® Gold Rewards Card and The Platinum Card® from American Express fall into Amex’s category of travel cards with substantial perks—but they have distinct. You would have to spend roughly $3500 more per year on travel than you do groceries for CSP to be a better value (if someone can double check my math that’d be much appreciated. Based on TPG's latest valuations, that bonus is worth $1,200. 1X point on all other eligible purchases. As a top-tier travel card, the Amex Platinum card usually charges a $695 annual fee (see rates & fees ). 5 cents to 1 cent per point. The Amex Gold annual fee is $250, while the Amex Blue Cash Preferred stands at $95. 3X Points on all expenditures abroad. Introductory offer: 5% cashback on purchases (up to £100) for the first 3 months. If you are a frequent traveler looking to upgrade your experiences, the Amex Platinum could be a great choice to add to your. Meanwhile, American Express increased the annual fee on the Platinum Card from $550 to $695 (see rates and fees) in mid-2021. 7899 Makati Avenue Makati City 0726, Philippines Trunkline: This channel is dedicated to handling phishing reports, online banking enrollment and/or updating of registered online banking contact information of overseas clients. With the Preferred® card you have tiered-rewards earning of 6% cash back at U. The APR on this card ranges from 21. Travel and dining credits, including a $120 Uber Cash credit and mainstays like the $120 Dining Credit and $100 Hotel Credit. 2x points on eligible travel. ) and U. I don’t count that in offsetting the AF as that’s a one time benefit but that also is easily worth $900 + $250 at a poor redemption and $2700 + $250 at a good redemption. 8. AmEx Gold vs Citi Custom Cash. Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible. Annual fee: $550. Why You Shouldn’t Get Cash-back From the Amex Platinum Card. American Express Gold Credit Card : 1 Membership Rewards Point for every Rs. Annual fee: $250. The amex membership rewards is worth the most imo as you tend to get more rewards for spending and can use them on various flights and hotels. S. $120 statement credit after spending a minimum of $599 in one or more purchases online at Dell. First-year value: $1,262. There’s a limit of 2 claims per eligible card account in each 12-month period. Rewards Rate. From oat lattes to overdue lunches, and from cat food to car tax, everything you do is an opportunity to rack up the rewards. " You can click either the "Get Started" or "Learn More" button. Limited time offer ends 9. Earn 80,000 Membership Rewards points after spending $8,000 within the first six months of card. When trying for the Amex Gold, you can choose either gold or rose gold as the color of your card. legal (external) No fee. The Capital One Savor charges $95 per year — a moderate annual fee for a rewards credit card. Say you use your American Express Gold Card and spend $200 dining out and another $500 on groceries. Ongoing cashback rate: Nectar American Express credit card : Free in year one, then £25 a year: 20,000 Nectar points: Spend £2,000 in the first three months: £100 in Nectar points: 2 Nectar points per £1 (=1%) American Express Platinum Cashback card : £25 a year: 5% cashback: On the first £2,500 spent in the first three months: Up to £125 Sapphire Preferred vs. Whenever you make a purchase on the Amex Platinum card, the rewards you earn are called Membership Rewards points. Cash back rewards. Maybank has announced a revision to the card benefits of its Maybank Islamic Ikhwan American Express (Amex) Platinum credit card-i, soon allowing cardholders to earn 8% cashback of up to RM100 per month on online spend. Platinum Cashback Everyday – Up to £100 bonus cashback. Both cards limit maximum coverage to $50,000 per account. Both cards offer travel and purchase protections, rental car coverage, and exclusive access to American Express Experiences. Best Citi Credit Cards. While the Amex Green Card also includes the same 90-day benefit, you're capped at $1,000 per claim and $50,000 per year. For example, you could receive a cashback yield of 0. 1,000 plus applicable taxes Second Year onwards: Rs. APR on purchases will be a variable rate, 20. Annual Fee. Foreign transaction fee: None. Explore the Power of American Express® Cashback Credit Card. 25% Gas), with PH Preferred Rewards. The Amex Gold card offers 4x earnings on up to $25,000 in purchases per calendar year for total earnings of 100,000 Membership Rewards points. *Applicable to Cardmembers with Cards issued starting September 1, 2022. Chase Sapphire Preferred® Card - best for dining and travel. Welcome bonus: Earn 40,000 bonus miles. Sticking with the following tips can help you to earn the most: Tip #1: Plan out your big purchases so you can take advantage of paying early and getting a 1. The Platinum Card® from American Express: Premium travel and lifestyle benefits, including airport lounge access, airline fee credits, and Uber Cash. But there’s a fork in the road in terms of statement credits. Compare Rewards Credit Cards. As anyone familiar with premium travel credit cards. You can earn. The other luxury hotel offer provides more significant savings than the non-luxury promotion, and you can save $140 when you spend $700 or more. Now the only real benefits are the $120 Uber and $120 Dining Credit (which I value at $0 now since I do not eat at those places). Amex Gold Card. S. Platinum comparison Unlike the American Express Gold Card, the The Platinum Card® from American Express offers cell phone protection up to $800 per claim, or $1,600 (two claims) per 12-month period when you. 60,000 plus applicable taxesWhile The Platinum Card® from American Express is a lucrative, premium card in and of itself, you can also share its perks with authorized users. gas stations. 50 spent with the card. Best Bank Of America Credit Cards. Annual fee: $395-$695 (see Amex Platinum rates and fees) Welcome bonus: $1,000 or more in value, according to TPG valuations. My take is that the 1. Nectar American Express – £120 in Nectar. New Cardmembers get 5% cashback 1 up to £125 cashback for your first three months of Cardmembership. An. Platinum Card;The Amex Gold Card comes out slightly ahead in this department since the purchase protection perk covers your purchase up to 90 days from the day of purchase, up to $10,000 per claim and $50,000 per year. Earn 1% cashback on local purchases and 2% cashback on overseas purchases. American Express Gold Card. S. supermarket purchases (up to $25,000 per calendar year, then 1x). Card type: Travel: Travel: Credit card issuer: American Express: American Express: Annual fee $ 0 intro annual fee for the first year, $99 per year thereafter. You will earn one point for each dollar charged for an eligible purchase in each billing period on The American Express Gold Card. 6 cents per point) unless you get the Charles Schwab Platinum (1. 10. 3% cash back at U. When you book through American Express Travel, you’ll receive a suite of benefits with an average total value of $600* in perks, like daily breakfast for two, 4pm check-out, and more. supermarkets on up to $25,000 per calendar year in purchases, then 1x. 60,000 plus applicable taxesWhile The Platinum Card® from American Express is a lucrative, premium card in and of itself, you can also share its perks with authorized users. $250. 2 The annual fee for. S. $0 intro annual fee for the first year, then $95. Amex Platinum interest rate. Looking to get a credit card to obtain discounts on my dining. Annual Fee. Platinum Cashback – Up to £125 bonus cashback. If you only travel a few times a year, the American Express® Gold Card could be a better fit. Plus, use your Card 30 or more times on purchases in a billing period and earn 50% extra points on those purchases less returns and credits. 10. Both The Platinum Card® from American Express and the Delta SkyMiles® Reserve American Express Card offer welcome bonuses for new cardmembers. American Express Membership Rewards® Credit Card. 5%. S. The American Express Platinum Card comes in different flavors. Car Rental Loss and Damage Insurance [$175] The Amex Gold card comes with secondary car rental insurance but offers the option to purchase primary Premium Protection for 1 low fee that covers the entire rental period. S. Reward points per $1. The up to $120 per year dining credit is broken down into $10 monthly. However, it’s a bad idea to do so because you’ll only get. New cardholders can get a 0% intro. If you can pay your rent by ACH or paper check, no reason to leave 2650+ points behind each month. This is an easy win for the Gold card. Earning: Over 3% returns on travel or other common bonus categories. Earn up to 1. S. You’ll earn a cash back rate of 4X. Capital One SavorOne Cash Rewards Credit Card - best for no annual fee. Platinum; Feature: Gold: Platinum: Annual Fee: $250: $695: Reward Points: 90,000 after spending $4,000 in first 6 months: 150,000 after spending. All in all, the benefits with Gold are good. Whether you want to collect Membership Rewards® points, travel the world or enjoy exclusive curated experiences, Amex makes it all possible. In exchange for a $95 annual fee, the Chase Sapphire Preferred offers many travel perks, including a $50 annual hotel credit for bookings through Chase Travel and a 10% points bonus on your cardmember anniversary. S. You can either pay an additional $175 per year for up to three authorized users who get their own Platinum authorized user cards (see rates and fees). 4X points at restaurants around the world, including Uber Eats purchases and other delivery services. The Business Platinum Card® from American Express. supermarket spend are capped at $25,000 per year in purchases, then spending in that area earns 1%. The Capital One Venture X Rewards card debuted in late 2021 with excellent travel perks and an annual fee of $395 — the lowest of any card on this list. legal (external) 12. Welcome Offer. High—Flexible point credit cards often offer more opportunities for. Credit Recommended. The Amex Gold offers up to $120 in dining credit each year, while the Amex Platinum offers up to $100 in fee reimbursement for Global Entry or TSA PreCheck, complimentary airport lounge access, free elite hotel status with Marriott Bonvoy and Hilton Honors, and more. With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U. As an Amex Cardmember, you get two complimentary Supplementary Cards. Amex Gold card — Premium. S. Pros of premium credit cards: These cards have. At Amex, cash back is earned in the form of Reward Dollars that can be redeemed for statement credits, with no redemption minimum. What are the sign-up bonuses? American Express Preferred Rewards Gold offers 20,000 Membership Rewards points when you spend £3,000 within 90 days. 5K points per £5K spent from October 12 onwards, so I see it as another win for myself. All in all, the benefits with Gold are good. The Blue Cash Preferred Card currently offers a $250 statement credit after spending $3,000 in purchases within the first 6 months. One of the greatest ways the Amex Gold adds value is through its dining and Uber credits. 99%. S. 20. 3X Points on all expenditures abroad. See related: Amex Gold vs. 1x points = 1% cashback when maximizing rewards). Credit Card Summary. For starters, the Amex Gold card offers 4 points / $1 spent at spent at restaurants worldwide (plus takeout and delivery in the U. It is better for dining out and U. 24% to 28. American Express® Gold Card. MARTIN DIMITROV/GETTY IMAGES. com by January 31,. Amex Gold vs. I second the BILT card as well. Card Highlights. supermarkets (on up to $25,000 in purchases each calendar year, then 1 point per dollar). We just booked $5700 flights for 87K MRs and $219. The American Express® Gold Card has a $250 annual fee. $250. That's 6% on $6,000 spend ($360 cash back), minus the annual fee ($95), netting $265 on $6,000 spend (4. This card charges a much lower $250 annual fee, yet it offers an annual up to $120 in Uber credits. 4,500 plus applicable taxes. Most business owners know that the key to success is having a good, solid plan. These cards are ordered from the most premium level at the top to less premium towards the bottom: Centurion ® Card from American Express — Most premium. S. Welcome bonus offer. There's an initiation fee of $10,000, along with an annual fee of $5,000. There isn’t another card on the market that offers a 1-2 punch like this. If you opt for the higher fee, make sure you get the most out of the rewards, or it may not be worth it. If you can pay your rent by ACH or paper check, no reason to leave 2650+ points behind each month. Meanwhile, the welcome offer for the Amex Business Gold is worth $1,400 — albeit with a higher spending requirement. Featured Benefits: Enjoy up to 10% cashback* for the first 3 months of Card issuance. In contrast, the BofA is also limited to $2500 per quarter in bonus category spend. It’s tied only by The Business Platinum Card® from American Express (see rates & fees) and topped only by the invite-only Amex Centurion. The Platinum Card® from American Express: Earn 80,000 points after you spend $8,000 on eligible purchases within the first six months of account opening. $250. Points values tend to get closer to the 1. 40 spent using the card. It’s as simple as that. Pros of premium credit cards: These cards have. Partner has an Amex everyday platinum cash back card. 3** Earn 2% cash back on eligible gas purchases in Canada,. Add a Supplementary Cardmember now and they can start earning points on your Account and enjoy many of the benefits. S. Spend $700 or more, get $140 back with this Amex Offer. You can earn 60,000 points after spending $4,000 within the first three months of opening your Chase Sapphire Preferred card, while the American Express Gold Card is offering 60,000 bonus points. The first is an Uber Cash benefit and the other is a Dining Credit that can be used. S. Blue Cash Preferred® Card from American Express - 6% cash back on up to $6,000 in purchases per calendar year; then 1%. Platinum Card;After signing up and paying for membership using your eligible Platinum card, the AmEx Clear credit will post in your account in a later billing cycle (about 6-8 weeks later). I had the Amex Gold card since 2019 and back when the $100 travel credit was offered to help offset the annual fee. These cards are ordered from the most premium level at the top to less premium towards the bottom: Centurion ® Card from American Express — Most premium. Annual fee of $95. The Amex Cobalt card is a travel rewards card that earns you American Express Membership Rewards on every purchase. 2x miles on other purchases. If you can hit the minimum 3k spend in the first 3 months to obtain the 10k sign up bonus and you're interested in travel rewards, it's definitely worth it, otherwise the Amex cashback cards are probably a better option. Currently the credit card I have only has a £500 limit and I rarely ever use it but when I have had to use a credit card it’s not been enough (booking holidays etc). Amex Gold Card: U. Although the Amex Gold Card charges a $250 annual fee, it's possible to get much more value than that each year between statement credits, perks, and bonus points. Learn More. Representative APR: 31. Terms & Conditions Apply. The level of cash back you can earn depends on the individual card. Introductory Bonus Offer. The American Express® Gold Card’s current welcome. Options include: Amazon: 0. American Express issues branded credit cards in partnership with airlines, hotels and others. 8-2 cents each as long as you don't use them on things like gift cards or paying for purchases etc. THE POINTS GUY Sapphire Preferred vs. ; Plus, earn 30,000 points when you. Points & Rewards. The first 5 additional cards are free plus $35 per extra card starting with the sixth card. 77 within a year—at a 1. 06 (Amex Air Miles Platinum. 2x miles on other purchases. Based on TPG's valuation of 2 cents each for Membership Rewards points, the welcome offer for the Amex Gold is worth $1,200. Earn 60,000 points when you spend $6,000 on purchases in the first 6 months. Membership provides significant benefits, including unique rewards, advantageous pricing options, excellent customer service, and numerous travel-related amenities. Late payment fee. Membership provides significant benefits, including unique rewards, advantageous pricing options, excellent customer service, and numerous travel-related amenities. We just booked $5700 flights for 87K MRs and $219. Earn 180,000 points after spending $6,000 in eligible purchases within the first 6 months. The Capital One Spark Miles card is our runner-up business card, but this credit card has a totally different ideal cardholder than the Amex Business Gold card. 19. 0 cents per point on average when transferred to a high. An. APR. If you're looking for that perfect in-between sweet spot for your wallet, we're going to compare the mid-tier Amex Gold to the more upscale Platinum Card® from American Express. The Platinum Card® from American Express is most definitely the latter. $695. You could also be targeted for a higher bonus through the CardMatch tool (although offers through CardMatch are not. 5% cash-back on every purchase, while the Amex Gold card earns at least 1 Membership Rewards point on every purchase. If Schwab still had the 2% cashback card, I would go for that. Delta SkyMiles® Reserve American Express Card - best for sky club access. Plus, the Gold Card includes up to $120 in Uber Cash, up to another $120 in dining credits with participating partners, and a number of. With the Amex Platinum card, coverage is. With a $95 annual fee, this Card offers 3X points at U. 12. S. To find out more, please email Maybank's Customer Care Hotline at 1300 88 6688 or email to [email protected] Line: You’ll find complimentary Amex cell phone protection coverage on over a dozen premium American Express cards. This comparison will hopefully help you determine which card is best. You can repeat this offer 3 times, for a total of $15 back. Downgrade the card to the Rewards card before you're in the second year. An affinity credit card is a card issued in partnership with an organization or university that has a built in constituency, such as a group with a cause or an alumni group. Terms Apply. Christian_L7. From your online account, you can add an offer to a particular credit card, and then use that card to make the required purchase. The American Express® Gold Card offers a variety of benefits, including dining credits, Membership Rewards points, Uber Cash and preferred access to premium. Cardholders earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year (then 1%); 3% cash back on restaurants and eligible travel purchases; 2% cash back on all. Moderate—Cash-back cards exist that earn bonuses in specific categories or as high as 2% to 2. Which is better: Amex Gold or Platinum? Amex Gold is cheaper at $250 annual fee per year. Then there are the less exciting fees. Application link: Amex Gold with a 60,000-point welcome bonus. $550. Welcome Bonus Earn $250 Annual Fee $0 intro annual fee for the. Best. supermarkets (up to $25,000 per year). Examples of cards that let you transfer points to American Express transfer partners include the Amex EveryDay Credit Card, the Amex Platinum Card and the Amex Gold Card. The AMEX Gold on the other hand was repositioned as the "baby Platinum" card. Essentially, if the platinum gives me £50 cashback, but the Amex Gold points gives me £60 worth of amazon/boots vouchers or whatever, I'd rather have the latter. You’ll have 220k MR plus spending that you can cash out to Schwab to the tune of $2,750+. 4X points at U. Cash Back Rewards. my. Amex Gold vs. 0% APR variable on purchases). But since the Schwab card is co-branded it would make it hard for Amex to update it. But before we get into the details, it’s good to have an overall handle of what the card is like. Terms Apply. Amex Offer for MGM’s Luxury Hotels. S. By using all. American Express ® Preferred Rewards Gold Credit Card. Blue Cash Everyday; Amex Gold vs. 3X points on airfare booked directly through the airline. In addition, there’s a annual credit of $300 for all bookings made through Capital One Travel. Limited Time Offer: Earn 25,000 Membership Rewards® points* PLUS spend anything in month 15 and get 5,000 Membership Rewards® points *when you spend £3,000 in your first three months of Cardmembership. Earn $300 after spending $3,000 on purchases in the first 3 months. You can use your Membership Rewards points to pay for online purchases with a number of retailers at a rate of 0. $695 annual fee.