The up to $120 per year dining credit is broken down into $10 monthly. 4X points at U. You could also be targeted for a higher bonus through the CardMatch tool (although offers through CardMatch are not. Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible. gas stations and on. 80,000-point. With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U. For many, this is the best credit card to own thanks to its combination of good cashback and low income requirements. 99% Variable,0% on purchases for 12 months. 3% Cash Back on U. gas stations and Amex Travel, and 1X points on other eligible purchases. Where this. The Platinum Card from American Express. 6% back at U. ; 4 points per dollar on restaurant purchases, whether you choose takeout or delivery in the U. 95 to $24. Offer ends 9 January 2024. American Express maintains a strict rule of one bonus per card for life regardless of the family of cards (cobranded hotel and airline, business, cash-back and rewards cards ). supermarkets (up to $25,000 per year). My take is that the 1. S. The Blue Cash Preferred ® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make. But since the Schwab card is co-branded it would make it hard for Amex to update it. It is better for dining out and U. S. If you are a frequent traveler looking to upgrade your experiences, the Amex Platinum could be a great choice to add to your. Rewards 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. The Business Platinum Card® from American Express. $295 ($375 if application is received on or after 2/1/24) New cardmember offer. 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. The American Express® Gold Card is a great card for dining out, ordering takeout and traveling, but it comes with a relatively high $250 annual fee ( see rates and fees ). However, the Cash Magnet is a main line Amex card, so it would be easy for Amex to change it. With bonus categories like U. But that fee unlocks. You'll earn at least 1 point per dollar spent with your card. 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. It has an annual fee of $699 but they're offering a 60,000 signup bonus, which essentially means a $99 annual. Some cards offer rewards in the form of cash back. American Express Membership Rewards® Credit Card. With the Preferred® card you have tiered-rewards earning of 6% cash back at U. 19. That's 6% on $6,000 spend ($360 cash back), minus the annual fee ($95), netting $265 on $6,000 spend (4. The American Express® Gold Card offers a variety of benefits, including dining credits, Membership Rewards points, Uber Cash and preferred access to premium. 4% for groceries. Based on my research on this subreddit, is it fair to say that the straight 5% cash back I can get on the Citibank Custom Cash card (no annual fee) is going to be a better deal than the AmEx Gold ($250 annual fee) 4x points on restaurants, even with. First-year value: $1,262. 3X Points on all expenditures abroad. As a top-tier travel card, the Amex Platinum card usually charges a $695 annual fee (see rates & fees ). New cardholders can get a 0% intro. S. 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. The card will set you back $250. I am finding it real hard to make a case to keep this card open in 2023. With the Amex Blue Cash Everyday card, you’ll earn cash-back at U. 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. 49% to 27. my. AMERICAN EXPRESS. Variable APR: 19. Replacing it would be an Uber Cash benefit, presumably piggybacking off of the success from The Platinum Card ® from American Express’ Uber Cash benefit. 19. This means you could redeem, for example, 30,000 rewards points for anywhere between $150 to $300 depending on the brand. Platinum Card members will be charged a $50 fee for each guest—or $30 for children aged two through 17. Rates & Fees. S. com and you can earn 5X Membership Rewards points, or use Pay with Points, on prepaid stays. 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. You just can't change miles into cash back. Image Credit: American Express. Earn 60,000 points when you spend $6,000 on purchases in the first 6 months. Amex Platinum has more travel perks, like lounge access, Global Entry fee credit, elite hotel status, and luxury travel discounts. 24% to 28. Although this rule covers all Amex cards, you can earn a welcome offer on personal and business cards of the same type. APR. 42%). Based on TPG's latest valuations, that bonus is worth $1,200. This is an easy win for the Gold card. Image Credit: Walmart. Annual Fee: Rs. com. You’ll have 220k MR plus spending that you can cash out to Schwab to the tune of $2,750+. Earn 80,000 points after spending. While it’s the more expensive of the two, the Amex Gold card still provides significantly more value overall. Updated 10:10 PM EDT, Mon November 13, 2023. Limited time offer ends 9. Meanwhile, the welcome offer for the Amex Business Gold is worth $1,400 — albeit with a higher spending requirement. American Express Gold Card. On top of the welcome offer, Rose Gold offers a number of ways to earn accelerated Membership Rewards points:3. 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. supermarkets, select streaming services, U. Retailers eligible for cash-back in this category include, but are not limited to:This rule covers all of Amex's cards. The Chase Sapphire Reserve currently offers new applicants 60,000 Ultimate Rewards points after spending $4,000 on purchases in the first three months from account opening. supermarkets: American Express® Gold Card - 4x points on up to $25,000 in purchases per calendar year; then 1x. 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. As an example, a standard rewards card may offer 1 point per $1, while the gold version offers up to 4 points per $1 and the platinum offers up to 5 points per $1. Currently, there are 4 Amex card levels in the travel rewards category. Cardholders can make up. Platinum Cashback – Up to £125 bonus cashback. However, with only a 1x earning rate, you'll earn a measly 2,676 points. By using all. Partner has an Amex everyday platinum cash back card. S. 77 within a year—at a 1. THE POINTS GUY Sapphire Preferred vs. Earning: Over 3% returns on travel or other common bonus categories. Intro APR: None. $250: The Platinum Card ® from American Express:. Credit Cards. In addition, selected transactions are eligible for up to 3x TreatsPoints for every RM1 spent. If you spend less than $6,000, you still pay the annual fee, so your net percentage doesn't hit 4. $250. 5 - 0. If you can pay your rent by ACH or paper check, no reason to leave 2650+ points behind each month. Overall, Forbes Advisor estimates that the SimplyCash Preferred Card earns $655. S. streaming subscriptions, 3% cash back at U. The American Express ® Gold Card is a game-changer. supermarkets on up to $25,000 in Card purchases a year. This bonus is worth roughly $402, according to WalletHub’s calculations. Amex reserves access to its Amex FHR program for. You can use your Membership Rewards points to pay for online purchases with a number of retailers at a rate of 0. Depending on the card, you may earn extra points for spending in specific categories, such as 3 points per dollar at restaurants or 5. Points values tend to get closer to the 1. Downgrade the card to the Rewards card before you're in the second year. This earned cash back will be received in the form of Reward Dollars that can be redeemed as a statement credit or at checkout at Amazon. 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. Compare Cashback Credit Cards. Reward point caps. Step 3: Next, sign in to your Walmart account,. The Amex Platinum card offers just 2 bonus categories for flights and prepaid hotels booked through Amex Travel. Popular Amex transfer partners include British Airways Executive Club, Emirates Skywards, Hilton Honors and Marriott Bonvoy. Best Bank Of America Credit Cards. 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. All in all, the benefits with Gold are good. supermarkets on up to $6,000 per year in purchases, then 1%, 3% cash back at U. I had the Amex Gold card since 2019 and back when the $100 travel credit was offered to help offset the annual fee. 5% cash back on all purchases. The Amex Blue Business Plus card is arguably the best no-annual-fee business credit card you can have. If you spend a lot on. gas stations. A Gold card's annual fee is $250 per year; the Platinum card's annual fee is $695. Cardholders can also earn an initial bonus of 60,000. Welcome Gift1 of 4,000 Bonus Membership Rewards® Points. We just booked $5700 flights for 87K MRs and $219. $695 annual fee. American Express, a leading financial institution, offers a wide range of services including credit, debit, and charge cards, complemented by various travel-related services. AmEx Gold vs Citi Custom Cash. 95 depending on location and coverage selected. Welcome bonus: 80,000 Membership Rewards Points after spending $8,000 on purchases on the card in the first 6 months of card membership. Most people get the Amex for the bonus offers and then use them for airmiles. How To Get the Amex Rose Gold Card. 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. The Amex Gold offers 60,000 Membership Rewards Points when you spend $6,000 in the. Amazon – When checking out on Amazon. Amex EveryDay vs. If you want cashback, the intro bonus of the amex isn't bad (the one that gives 5% up to the first £125 of cashback). supermarkets. 99% on purchases, 21. American Express Gold Credit Card : 1 Membership Rewards Point for every Rs. streaming subscriptions; 3% back on transit including taxis/rideshare, parking, etc. Travel and dining credits, including a $120 Uber Cash credit and mainstays like the $120 Dining Credit and $100 Hotel Credit. 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. I’ve been using this setup for a while now. 60,000-point welcome bonus after spending $4,000 in the first 6 months of card membership. Spend $700 or more, get $140 back with this Amex Offer. The first 5 additional cards are free plus $35 per extra card starting with the sixth card. Annual Fee. Earn 180,000 points after spending $6,000 in eligible purchases within the first 6 months. For example, you can use the Amex Platinum to earn 5 points per dollar spent on flights (on up to $500,000 in purchases each calendar year) and the Amex Gold to earn 4 points per dollar spent on dining at worldwide restaurants and groceries at U. Annual Fee. However, generally not much higher than mid-tier welcome offers. Late payment fee. Darren Murph. The APR on this card ranges from 21. Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6. Sapphire for travel purchases. 2x points on eligible travel. The Platinum Card® from American Express has an annual fee of $695. supermarkets (up to $25,000 in. 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. Amex Gold vs. Most business owners know that the key to success is having a good, solid plan. 5%. Platinum spending example. 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). 4X points at restaurants around the world, including Uber Eats purchases and other delivery services. The Platinum Card® from American Express: Best for frequent travelers. 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. First-year rewards value: $512. By Issuer. S. Delta SkyMiles® Gold American Express Card - best for occasional delta flyers. Johnson - Finance Expert. To view rates and fees of the Delta SkyMiles® Platinum American Express Card, see this page. Annual Fee: Rs. At Amex, cash back is earned in the form of Reward Dollars that can be redeemed for statement credits, with no redemption minimum. The Amex Gold offers two different credits that are worth up to $120 each per year. $250: The Platinum Card ® from American Express: Earn 80,000 points after spending $8,000 on purchases in the first 6 months. No minimum spend. S. With the Amex Gold card, you could receive up to $1,250 per covered person per trip or $500 per person for checked bags if your luggage is lost, damaged, or stolen. There are 3 new limited-time Amex Offer is available on targeted accounts: $120 statement credit after spending a minimum of $800 in one or more purchases online at Dell. Overall, the Gold will be earning an extra 2. Here’s a few different. Chase Sapphire Reserve® - best for chase ultimate rewards. If you only travel a few times a year, the American Express® Gold Card could be a better fit. 4% cash-back on dining, including restaurants, cafes, bars, lounges,. The Gold Card has a $250 annual fee 1 and offers a number of accelerated points-earning opportunities, especially for food lovers:. legal (external) 12. 95 depending on location and coverage selected. If you opt for the higher fee, make sure you get the most out of the rewards, or it may not be worth it. *Up to a maximum of PHP2,500 worth of bonus cashback. Foreign transaction fee: None. Moderate—Cash-back cards exist that earn bonuses in specific categories or as high as 2% to 2. 99% on cash advances. Chase Sapphire Preferred® Card - best for dining and travel. Rewards rate: Earn 5 points per dollar on airfare purchased directly from the airline or through Amex Travel on up to $500,000 on these purchases per calendar year) and prepaid hotels booked through Amex Travel. Platinum Card members will be charged a $50 fee for each guest—or $30 for children aged two through 17. Show Pros, Cons, and More. 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. 0. As with all Amex Cards, Gold Card Members can add Additional Card Members – also known as authorized users – as long as the individual is at least 13 years old or older and never had a defaulted account with American Express. com. 5% cash back on all purchases. In other words, a merchant offering 2% cash back will now offer 2 Membership Rewards points per dollar spent — so a $100 purchase would earn 200 Amex points rather than $2 cash back. Both cards have annual statement credits that can help offset their annual fees. From oat lattes to overdue lunches, and from cat food to car tax, everything you do is an opportunity to rack up the rewards. S. 10. Platinum cardholders usually earn more rewards points per $1 spent than gold cardholders. 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. 8% APR variable. The Amex Gold is currently offering a welcome bonus of 60,000 Membership Rewards points after you spend $6,000 on eligible purchases with your new card within the first six months. S. Explore your American Express Card Benefits and enjoy shopping rewards, travel benefits and insurance protection just for being a. Our Favorite Benefits of the Amex Platinum Card. MARTIN DIMITROV/GETTY IMAGES. The cashback card at £125 vs 30 000. The earning rate of 4 Membership Rewards. However, it’s a bad idea to do so because you’ll only get. 17 grams. Buying food, use gold, that simple. The Cashback Everyday card (free) has a tiered system: in Year 1, 5% cashback on all your spending in the first three months, up to £2,000 of purchases. One of the greatest ways the Amex Gold adds value is through its dining and Uber credits. American Express® Gold Rewards Card. The card's $695 annual fee, which increased from $550 in 2021, is among the highest in the industry. ) and U. Since we value Membership Rewards points at about 2. (Photo by Chris Dong/The Points Guy) The Amex Platinum card is a travel-focused card, earning 5x points on flights directly with airlines or through Amex Travel, on up to $500,000 per calendar year, and on prepaid hotel reservations made through Amex Travel. The American Express Gold Card is worth it for users who love dining out or have a habit of spending generously at U. But there’s a fork in the road in terms of statement credits. $695. Supermarkets: 3% cash-back on up to $6,000 in purchases each calendar year, then 1%: 4x points on up to $25,000 in purchases each calendar year, then 1x: Restaurants: 1% cash-back: 4x points: Select Travel: 1% cash-back: 3x points on flights purchased directly from the airlines and on Amex Travel: U. But at that point there's better no AF cards for purely cash back. The American Express® Gold Card (Terms apply. Upgrade to the Platinum Card®. Pros of premium credit cards: These cards have. Popular Amex transfer partners include British Airways Executive Club, Emirates Skywards, Hilton Honors and Marriott Bonvoy. As you can see, the Freedom Unlimited card earns at least 1. If its your first credit card though, not sure if you'd get approved. Introductory offer: 5% cashback on purchases (up to £100) for the first 3 months. Representative APR: 31. The Resy offer on Plat is 125k + 10X restaurants for 6 months. I've simply removed the bonus 2. When you redeem points through American Express’ Membership Rewards gift cards portal, you’ll get anywhere from 0. Our top pick for the best rewards card, the Amex Gold rewards your food purchases — whether you're eating at home or dining out. But there’s a fork in the road in terms of statement credits. Good to Excellent. 88, this is actually charged out in monthly bites – so $12. Annual Fee. 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. The Amex trifecta is a strategy in which you use a combination of three Amex cards to maximize the amount of American Express Membership Rewards points you earn on your purchases. You'll also gain access to Chase Offers with the card. Add a Supplementary Cardmember now and they can start earning points on your Account and enjoy many of the benefits. Welcome to the only officially recognized American Express community on Reddit. Earn 5X Membership Rewards® Points for flights booked directly with airlines. 6 cents per point) unless you get the Charles Schwab Platinum (1. THE POINTS GUY. Interest Rates. 4x points on all food = 8% off all food. Introductory Bonus Offer. gas stations, up to $6,000 per year, then 1%, 3% cash. New cardholders can get a 0% intro. Annual fee: $395-$695 (see Amex Platinum rates and fees) Welcome bonus: $1,000 or more in value, according to TPG valuations. S. 3 WalletHub Rating Apply Now Rates & Fees credit card. Currently, you can earn 80,000 Membership Rewards points after spending $8,000 during your first six months of card membership. 1. 12. Application link: Amex Gold with a 60,000-point welcome bonus. 49% variable. S. If Schwab still had the 2% cashback card, I would go for that. 88: $400 Statement Credit: Scotiabank Gold Amex:. 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. Rewards Rate. 5 points per dollar on flights booked directly with airlines or with American Express Travel (on up to $500,000 per calendar year) and prepaid hotels booked with American Express Travel. Other no-annual-fee cash back cards offer cash bonuses, like the Chase Freedom that offers a $200 cash bonus after spending $500 on purchases in the first three months. The Amex Platinum has a much higher annual fee: $695 compared to $250 for the Amex Gold card. Annual fee. 95 to $24. That’s equal to a 4. The Platinum Card from American Express. There are two ways to go about this. BocciaChoc • 53 • 3 yr. Gold sometimes shows a. The Amex Gold earns 4 Membership Rewards points per $1 at restaurants, plus takeout and delivery in the U. With the Amex Platinum card, coverage is provided for up to $3,000 per person for carry-on bags and up to $2,000 for checked bags. Nectar American Express – £120 in Nectar. 99%. 0% variable. com by January 31,. Based on my research on this subreddit, is it fair to say that the straight 5% cash back I can get on the Citibank Custom Cash card (no annual fee) is going to be a better deal than the AmEx Gold ($250 annual fee) 4x points on restaurants, even with. Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible. Add a Supplementary Cardmember now and they can start earning points on your Account and enjoy many of the benefits. But before we get into the details, it’s good to have an overall handle of what the card is like. 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. 21st November 2022 - 3 min read. 70,000 Membership Rewards® points after spending $10,000 on eligible purchases within the. Here’s why: The Platinum Card® from American Express charges a whopping $695 annual fee that could make your jaw drop. However, each card more than makes up for the. The APR on this card ranges from 21. Hot Tip: Check out our complete guide on the best credit cards to use for Airbnb and VRBO stays. 4%. The reason why is because you can earn 2x Amex Membership Rewards points per $1 spent on everyday business purchases, up to $50,000 per calendar year. *Up to a maximum of Php2,500 worth of bonus cashback. The Platinum Card® from American Express is most definitely the latter. It’s worth noting, however, that U. The Amex Cobalt card is a travel rewards card that earns you American Express Membership Rewards on every purchase. Platinum Cashback – Up to £125 bonus cashback. 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. Here is the earning structure on this card:This card is great for those who want to earn cash-back with U. Currently, you can earn 80,000 Membership Rewards points after spending $8,000 during your first six months of card membership. Amex points are worth 1. The Platinum Card from American Express. Both cards offer travel and purchase protections, rental car coverage, and exclusive access to American Express Experiences. APR on purchases will be a variable rate, 20. People who can maximize the $240 in annual statement credits. The American Express® Gold Card’s current welcome. Membership provides significant benefits, including unique rewards, advantageous pricing options, excellent customer service, and numerous travel-related amenities. 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. Once it’s hooked up, you simply need to charge transactions over $40 via Apple Pay to that card, and then you’ll receive a $5 statement credit. The Amex trifecta is a strategy in which you use a combination of three Amex cards to maximize the amount of American Express Membership Rewards points you earn on your purchases. The Amex Gold credit card hedges out the Amex Platinum by a small margin when it comes to the welcome bonus. AMEX Gold gives 1% more back for groceries/restaurants. It’s usually best to pay a rewards card’s bill in full every month, unless there. There’s a limit of 2 claims per eligible card account in each 12-month period. Whenever you make a purchase on the Amex Platinum card, the rewards you earn are called Membership Rewards points. 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. Share your Benefits. With the Delta SkyMiles Gold, you would earn 64,064 miles—worth approximately $768. Edit: Based on my calculation with my Gold card vs Cashback, you're going to break even at around £15K spent and then the Platinum Cashback Everyday wins after that. Variable APR: 19. There's an initiation fee of $10,000, along with an annual fee of $5,000. THE POINTS GUY. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way!For. 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. Best Discover Credit Cards. UK, May 6, 2021 – From 6 May, new and existing American Express® (NYSE: AXP) Preferred Rewards Gold Cardmembers can tuck into an exclusive new benefit with Deliveroo. Compare Rewards Credit Cards.