$550. Image Credit: American Express. Annual fee. Our Verdict. 2 cents per point, this means that an elevated offer of 90,000-point bonus offer is worth ~$1,980, where as a 60,000-point bonus offer is worth ~$1,320. Annual fee: $550. Although this rule covers all Amex cards, you can earn a welcome offer on personal and business cards of the same type. 4. The Platinum Card® from American Express is most definitely the latter. S. Terms Apply. American Express offers credit cards and charge cards mostly focused on luxury travel benefits, high-end rewards, and premium customer service. 2. Gift cards start at $20. See rates & fees) offers solid value for most travelers. Credit Cards. MARTIN DIMITROV/GETTY IMAGES. Compare the following: You could earn thousands of extra points each year by using the right card for each purchase. $250. 5K points on the Gold card earnings to. SUMMARY. See rates & fees) offers solid value for most travelers. Also, this card only earns 1. Amex Gold Card: U. S. The Amex Gold credit card hedges out the Amex Platinum by a small margin when it comes to the welcome bonus. The Platinum card will make sense for those who can take advantage of the card's perks and credits — and buy a lot of flights to maximize the earning categories. 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. 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. 0% variable. Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. Would take a lot of recurring spend for gas with the 1c extra in gas rewards to overcome the $200 signup bonus of the BofA customized cash (maxing gas at $7k spend at an extra 1% would only be an extra $70 per year on the Costco Visa vs the $200 BofA signup bonus). supermarkets. S. 99% Variable,0% on purchases for 12 months. $0 intro annual fee for the first year, then $95. 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). 8-2 cents each as long as you don't use them on things like gift cards or paying for purchases etc. 88: $400 Statement Credit: Scotiabank Gold Amex:. 1x points = 1% cashback when maximizing rewards). Step 2: Click Get Started. Related: Card showdown: Amex Business Gold vs. supermarkets (on up to $25,000 in purchases each calendar year, then 1 point per dollar). Both the American Express® Gold Rewards Card and The Platinum Card® from American Express fall into Amex’s category of travel cards with substantial. Earn 5x on flight purchases with the Amex Platinum. Earn Everyday Cashback. supermarkets. Membership Rewards on the American Express® Gold Card can be worth 1 cent each when used to book select travel through American Express, while other travel bookings will only yield 0. 99%. com, you can pay with your Discover rewards. More Reads. 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. AmEx Gold vs Citi Custom Cash. $ 250. 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). 5%. American Express Gold vs. 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. Amex points are worth 1. I am finding it real hard to make a case to keep this card open in 2023. Looking to get a credit card to obtain discounts on my dining. If you opt for the higher fee, make sure you get the most out of the rewards, or it may not be worth it. The Amex Plum card costs nothing the first year but costs $250 per year after that. Based on TPG's valuation of 2 cents each for Membership Rewards points, the welcome offer for the Amex Gold is worth $1,200. 19. Some cards offer rewards in the form of cash back. $250. Before we examine the details of our featured cards, take a look at this overview of the highlights of the Delta Platinum card and the Delta Gold card: Earn 50,000 bonus miles after you spend $3,000 in. com and you can earn 5X Membership Rewards points, or use Pay with Points, on prepaid stays. Amex Gold vs. No minimum spend. 49% variable. Amex Gold Card. Replacing it would be an Uber Cash benefit, presumably piggybacking off of the success from The Platinum Card ® from American Express’ Uber Cash benefit. Both cards offer travel and purchase protections, rental car coverage, and exclusive access to American Express Experiences. $250. Amex Platinum Quick Facts. S. You’ll see that in terms of everyday spend, the Amex Blue Cash Preferred card is far more rewarding than the Amex Platinum card, earning you between 3% to 6% cash-back on purchases such as gas and groceries. As anyone familiar with premium travel credit cards. The current public offer is: Earn 60,000 points when you spend $6,000 on purchases in the first 6 months. Image Credit: American Express. Bottom Line: Using Amex Offers is a simple way to earn bonus points or save money. From now until the end of the month, U. Cashback is a credit card benefit that allows you to earn money back on things you buy with the relevant card. ) and U. 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. S. The earning rate of 4 Membership Rewards points per dollar at restaurants and U. 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. It’s as simple as that. The American Express Platinum Card comes in different flavors. Terms & Conditions Apply. Blue Cash Everyday® Card from American Express: Best no-annual-fee card. 3 WalletHub Rating Apply Now Rates & Fees credit card. For some, the Amex Gold's lower annual fee, dining credit, monthly Uber Cash and great bonus categories may make more sense than carrying the Platinum card. Current Plat referral offer is 150K + 10X back at restaurants. 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. Delta SkyMiles® Reserve American Express Card - best for sky club access. The card has the ability to earn up to 5x Capital One miles: 5x miles on hotels and rental cars booked through Capital One Travel. Most people get the Amex for the bonus offers and then use them for airmiles. In contrast, the BofA is also limited to $2500 per quarter in bonus category spend. $250: The Platinum Card ® from American Express: Earn 80,000 points after spending $8,000 on purchases in the first 6 months. The level of cash back you can earn depends on the individual card. 3% Cash Back on U. Platinum; Citi Double Cash vs. S. Earn up to $100 in statement credits New SimplyCash ® Card from American Express Cardmembers, you can earn a $10 statement credit for each monthly billing period in which you spend $300 in purchases on your Card in your first 10 months. 5% cash back on all purchases. It’s tied only by The Business Platinum Card® from American Express (see rates & fees) and topped only by the invite-only Amex Centurion. Earn 5. I only goes one way. Platinum spending example. Welcome Gift1 of 4,000 Bonus Membership Rewards® Points. Terms Apply. Step 3: Choose your desired airline or hotel transfer partner and select Transfer Points. Delta SkyMiles ® Gold American Express Card. Cash Back Rewards. Variable APR: 19. 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. 24% based on your credit score and other factors at the time you apply for an account. Cardholders can make up. $250: The Platinum Card ® from American Express:. The Amex gold for example offers 20k bonus miles sign up when spending 2k in three months. High—Flexible point credit cards often offer more opportunities for. The Platinum Card® from American Express: Premium travel and lifestyle benefits, including airport lounge access, airline fee credits, and Uber Cash. You just can't change miles into cash back. 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. 49% variable. legal (external) No fee. Welcome bonus: 80,000 Membership Rewards Points after spending $8,000 on purchases on the card in the first 6 months of card membership. 40 spent using the card. This is made even more clear with each card’s benefits. The BofA PR Elite is a great backup VISA to my AMEX Gold when restaurants don’t accept. Welcome bonus: 120,000 Membership Rewards points after spending $15,000 on eligible purchases in the first three months of card. Welcome to the only officially recognized American Express community on Reddit. Travel and dining credits, including a $120 Uber Cash credit and mainstays like the $120 Dining Credit and $100 Hotel Credit. The Delta Gold Amex earns 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first six months of account opening. Not a Cardmember? Start your journey today by applying below. Featured Benefits: Enjoy up to 10% cashback* for the first 3 months of Card issuance. . 60,000-point welcome bonus after spending $4,000 in the first 6 months of card membership. With the Delta SkyMiles Gold, you would earn 64,064 miles—worth approximately $768. 4x points on all food = 8% off all food. The American Express® Gold Card’s current welcome. For example, 20K MR points is worth £160 in Nectar vouchers and sometimes they offer bonuses with the highest being 40K MR points in total. Offer captured on July 22, 2022, and may not be available to all applicants. The Platinum Card’s welcome bonus is: Earn 80,000. supermarkets on up to $25,000 per calendar year in purchases, then 1x. Compare the free BA Amex to the free Amex Platinum Cashback Everyday. The math, in the. The Platinum Card’s welcome bonus is: Earn 80,000. 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. Best Bank Of America Credit Cards. Amex Gold isn't a travel card, it just earns rewards that have the most value when used for travel. American Express Platinum Reserve Credit CardAmerican Express® Platinum Reserve SM Credit Card. Darren Murph. While it’s the more expensive of the two, the Amex Gold card still provides significantly more value overall. Annual Fee. 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. Membership provides significant benefits, including unique rewards, advantageous pricing options, excellent customer service, and numerous travel-related amenities. The offer expires on January 1, 2024, and like all Amex Offers, it’s usually. S. Image Credit: American Express. Currently, there are 4 Amex card levels in the travel rewards category. 1. 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. Total two-year value: $1,486. 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. Generally, Citi focuses on. supermarkets, U. For months seven through 12, you'll earn 10,704 Membership Rewards points if you use the Amex Gold (at 4x return). Blue Cash Everyday® Card from American Express - best for cash-back beginners. Our quick take : The Platinum Card® from American Express is the gold standard of luxury rewards. When you redeem points through American Express’ Membership Rewards gift cards portal, you’ll get anywhere from 0. Amex Platinum card — Ultra-premium. 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. 3X Points on all expenditures abroad. The rates and fees of the American Express Business Gold Card include: Annual fee: $295. 4% for groceries. There's an initiation fee of $10,000, along with an annual fee of $5,000. $0 intro annual fee for the first year, then $95. S. £2,000 – £0 Cashback. 1x points = 1% cashback when maximizing rewards). Head to your Amex Platinum home page and click the "Benefits" tab at the top of the screen. Welcome bonus offer. $695. 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). The referral SUBs are awesome right now. Here are other common rates and fees. S. The Amex Platinum consistently has one of the most valuable welcome offers out there. Late payment fee. The card has the ability to earn up to 5x Capital One miles: 5x miles on hotels and rental cars booked through Capital One Travel. 2 cents per point, which means that the 90,000-point bonus offer is worth. 4%. Both cards carry high annual fees — $695 in the case of the Amex Platinum Card, and $495 for the primary cardmember on the Citi Prestige® Card. S. . The Amex Platinum card offers just 2 bonus categories for flights and prepaid hotels booked through Amex Travel. supermarkets: American Express® Gold Card - 4x points on up to $25,000 in purchases per calendar year; then 1x. 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 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. The card's $695 annual fee, which increased from $550 in 2021, is among the highest in the industry. Julian Kheel. 5 Things to Know About the Charles Schwab AmEx Platinum. Terms Apply. Cardholders can also earn an initial bonus of 60,000. Good to Excellent. Blue Cash Preferred® Card from American Express. 1X point on all other eligible purchases. 20. For starters, the Amex Gold card offers 4 points / $1 spent at spent at restaurants worldwide (plus takeout and delivery in the U. If you haven’t already, you will need to link your frequent flyer account to your Membership Rewards account. American Express Gold Credit Card : 1 Membership Rewards Point for every Rs. 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. Platinum Cashback vs Gold Rewards : r/amex by -tsr Platinum Cashback vs Gold Rewards I currently have the Platinum Cashback, I used this for about a year to test if it. Gold Card Members can add up to five Additional Cards without an annual fee. Meanwhile, the welcome offer for the Amex Business Gold is worth $1,400 — albeit with a higher spending requirement. Credit Cards. S. Amex Everyday® Credit Card. Image Credit: Walmart. Make Purchases Online. Currently, you can earn 80,000 Membership Rewards points after spending $8,000 during your first six months of card membership. APR. Both cards have annual statement credits that can help offset their annual fees. This is an easy win for the Gold card. 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. The first is an Uber Cash benefit and the other is a Dining Credit that can be used. The Gold Card has a $250 annual fee 1 and offers a number of accelerated points-earning opportunities, especially for food lovers:. 4% for groceries. *Up to a maximum of Php2,500 worth of bonus cashback. Once you've made this change, your earning rate will shift from a set cash-back percentage to a set number of Amex points per dollar spent. It has an annual fee of $699 but they're offering a 60,000 signup bonus, which essentially means a $99 annual. S. Amex Offers —. Julian Kheel. From your online account, you can add an offer to a particular credit card, and then use that card to make the required purchase. Platinum cardholders usually earn more rewards points per $1 spent than gold cardholders. Apply online today!Neither card currently has a 0% APR offer, and neither has foreign transaction fees. Read our comparison chart below. Welcome bonus. This bonus is worth roughly $564, based on TPG's most recent valuations. Credit Recommended. Delta SkyMiles® Reserve American Express Card - best for sky club access. Yes, I do exactly this! My setup is is the AMEX Platinum, AMEX Gold, BofA PR Elite, andBofA CCR (5. The American Express® Gold Card’s current welcome. Preferred Rewards Gold – Up to £150 in Nectar points, plus four airport lounge passes. Interest Rates. 70,000 Membership Rewards® points after spending $10,000 on eligible purchases within the. $695: Capital One Venture Rewards Credit Card: Earn 75,000 miles when you spend $4,000 on. AMERICAN EXPRESS. Welcome Offer. The Amex Blue Business Cash. But before we get into the details, it’s good to have an overall handle of what the card is like. 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. MARTIN DIMITROV/GETTY IMAGES. Welcome Offer. There is no difference between the Amex Gold card and the Amex Rose Gold except for the color you choose. 60,000-point welcome bonus after spending $4,000 in the first 6 months of card membership. The Platinum Card® from American Express has an annual fee of $695. Rewards Rate. $0 intro annual fee for the first year, then $95. Since we value Membership Rewards points at about 2. First Year Fee: Rs. S. 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. Gift cards. Johnson - Finance Expert. American Express issues branded credit cards in partnership with airlines, hotels and others. Where this. 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 personal Gold card is now offering SUBs as high as 90K plus a $250 dining bonus. 4X points at restaurants around the world, including Uber Eats purchases and other delivery services. Best Cash Back Credit Cards of November 2023. 19. 25% cashback 2 if you spend over. 15 grams. The current public offer is: Earn 60,000 points when you spend $6,000 on purchases in the first 6 months. Platinum Cashback Everyday – Up to £100 bonus cashback. APR on purchases will be a variable rate, 20. The Amex Gold offers 60,000 Membership Rewards Points when you spend $6,000 in the. Here’s a few different. You can also see a full list of participating international banks in this transfer bonus. 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. If its your first credit card though, not sure if you'd get approved. Pros of premium credit cards: These cards have. 24%-29. A sign-up bonus. S. Get to know your Preferred Rewards Gold Card® Benefits . 0% APR variable on purchases). S. With the Blue Cash Everyday Card, new cardmembers can earn a. 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. If you only travel a few times a year, the American Express® Gold Card could be a better fit. S. Most people get the Amex for the bonus offers and then use them for airmiles. S. American Express® Gold Card: Best for dining rewards. Chase Sapphire Reserve® - best for chase ultimate rewards. 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. For example, if you book a $1,000 plane ticket with Delta through Amex Travel, you should earn around 5,000 Membership Rewards points. I currently have a chase card and am enjoying the 1% cash back - I think mine runs out in June as I joined late. One of the greatest ways the Amex Gold adds value is through its dining and Uber credits. 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. You’ll earn a cash back rate of 4X. If you are a frequent traveler looking to upgrade your experiences, the Amex Platinum could be a great choice to add to your. First-year value: $1,262. Nectar American Express – £120 in Nectar. The current public offer is: Earn 60,000 points when you spend $6,000 on purchases in the first 6 months. American Express Gold Credit Card : 1 Membership Rewards Point for every Rs. 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. 24%-29. But that fee unlocks. My question is really whether the amex gold points or avios points earned are more "valuable" than £50-£100 cashback I'm likely to earn in a 12 month period, say. Credit Recommended. American Express, a leading financial institution, offers a wide range of services including credit, debit, and charge cards, complemented by various travel-related services. The Blue Cash Preferred Card currently offers a $250 statement credit after spending $3,000 in purchases within the first 6 months. S. However, it’s a bad idea to do so because you’ll only get. The Amex Blue Cash Preferred offers 6% cash-back on up to $6,000 in U. Both cards limit maximum coverage to $50,000 per account. 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. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way!For. For example, if the Amex Platinum's annual fee is too much of a financial commitment, you can look into the American Express® Green Card which earns 3X points on travel and dining at a much lower. Partner has an Amex everyday platinum cash back card. 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. THE POINTS GUY. Points & Rewards. 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 ). 06 (Amex Air Miles Platinum. Upgrade to the Platinum Card®. This means you could redeem, for example, 30,000 rewards points for anywhere between $150 to $300 depending on the brand. 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. $250 (Rates & fees) The Platinum Card ® from American Express. Retailers eligible for cash-back in this category include, but are not limited to:This rule covers all of Amex's cards. You’ll earn a cash back rate of 4X. 49% to 27. 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. supermarkets on up to $25,000 in Card purchases a year. It's also a good choice for. 6. supermarkets on up to $6,000 per year in purchases (then 1%), 6% cash back on select U. 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. The CSP costs $35 more if you use all of the credits for both. 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. 5%. The Amex Platinum card has various benefits for its cardholders upon enrollment, including statement credits, airport lounge access, hotel elite status, and more. And while some of the Platinum card’s benefits. There are two ways to go about this. The American Express ® Gold Card is a game-changer. 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. With the Amex Blue Cash Everyday card, you’ll earn cash-back at U. Based on TPG's latest valuations, that bonus is worth $1,200. Best Rewards Credit Cards of 2023. Moderate—Cash-back cards exist that earn bonuses in specific categories or as high as 2% to 2. Application link: Amex Platinum with a 80,000-point welcome bonus. You won't get an intro bonus if you've had a personal (not business) Amex in the last two years. Then there are the less exciting fees. I recently swapped over from my bank's card to the AMEX gold and have to say the main reason. Welcome bonus: 80,000 Membership Rewards Points after spending $8,000 on purchases on the card in the first 6 months of card membership. Ink Business Preferred Credit Card: 3 points per dollar: Ultimate Rewards points: Capital One Venture Rewards Credit Card: 2 miles per dollar: Capital One miles: Capital One Venture X Rewards. 95 to $24. 3% cash back at U. Here is the earning structure on this card:This card is great for those who want to earn cash-back with U. Both The Platinum Card® from American Express and the Delta SkyMiles® Reserve American Express Card offer welcome bonuses for new cardmembers. Rates & Fees winner The Platinum Card® from American Express Sponsored Card 707 3. You’ll find a variety of welcome offer bonuses for the Amex Gold card, depending on how and when you apply. 77 within a year—at a 1. Earn 60,000 points after spending $4,000 on purchases in the first 3 months. Delta Platinum Amex welcome offer. Blue Cash Everyday® Card from American Express - best for cash-back beginners. 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. 5% discount. Interest-free period: 56 days on purchases if the balance is paid in full each month (30. Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership. 5 cents to 1 cent per point, depending on the merchant. supermarkets, U. If this describes you, the Gold Card offers more than enough. Affinity credit cards. The Amex Gold, on the other hand, is more than twice as expensive. Best Citi Credit Cards. So in comparison, the. So you could look at it as getting a small rebate on your spending.