$250. Rates & Fees winner The Platinum Card® from American Express Sponsored Card 707 3. supermarket purchases (up to $25,000 per calendar year, then 1x). S. If you spend a lot on. Generally, Citi focuses on cash-back, no-frills service, and low fees. $695: Capital One Venture Rewards Credit Card: Earn 75,000 miles when you spend $4,000 on. For starters, the Amex Gold card offers 4 points / $1 spent at spent at restaurants worldwide (plus takeout and delivery in the U. Amex Platinum card — Ultra-premium. Amex Gold Card. No minimum spend. Annual Fee. Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6. 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. Either sub is great, there's no wrong choice here. Buying food, use gold, that simple. American Express Gold vs. The Amex Platinum consistently has one of the most valuable welcome offers out there. Earn 5X Membership Rewards® Points for flights booked directly with airlines. ). 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. 6 cents per. Whether you want to collect Membership Rewards® points, travel the world or enjoy exclusive curated experiences, Amex makes it all possible. Partner has an Amex everyday platinum cash back card. S. Best Premium Hilton Card. Annual fee: $550. I've simply removed the bonus 2. Representative 36. Updated 10:10 PM EDT, Mon November 13, 2023. The annual fee on the Amex Gold card, however, is much higher. Representative 88. Our quick take : The Platinum Card® from American Express is the gold standard of luxury rewards. Say you use your American Express Gold Card and spend $200 dining out and another $500 on groceries. S. We just booked $5700 flights for 87K MRs and $219. In the publicly available rewards card space, The Platinum Card® from American Express is considered the cream of the crop. By Holly D. 1. Best Citi Credit Cards. Think about which rewards match best with your spending habits and can save you the most money. com by January 10, 2024. 4 Min Read 16 NOV 2023. 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 POINTS GUY Sapphire Preferred vs. Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible. The Amex Platinum has a much higher annual fee: $695 compared to $250 for the Amex Gold card. The Platinum Card® from American Express: Premium travel and lifestyle benefits, including airport lounge access, airline fee credits, and Uber Cash. S. 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. All in all, the benefits with Gold are good. You'll get a higher earn with both of those at a smaller amount of AF. But the companion pass /uber credit, and the lounge access with the Amex. If you spend a lot on. Amex Platinum Quick Facts. 24%-29. After the first three months, you get 0. Capital One Quicksilver; Capital One Quicksilver vs. Introductory offer: 5% cashback on purchases (up to £100) for the first 3 months. 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. S. American Express ® Preferred Rewards Gold Credit Card. The Amex Gold credit card hedges out the Amex Platinum by a small margin when it comes to the welcome bonus. Get ready to treat yourself. In general, Amex is more prestigious than Citi. This. Although this rule covers all Amex cards, you can earn a welcome offer on personal and business cards of the same type. Welcome bonus. With the Amex Blue Cash Everyday card, you’ll earn cash-back at U. The card earns 6% cash back at U. The Platinum Card® from American Express: Best for luxury travel benefits. Limited time offer ends 9. . American Express® Gold Card - best overall dining card. While the issuer. Delta SkyMiles® Gold American Express Card - best for occasional delta flyers. The Capital One Savor charges $95 per year — a moderate annual fee for a rewards credit card. I currently have a chase card and am enjoying the 1% cash back - I think mine runs out in June as I joined late. 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. S. 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. Annual Fee. Depending on the card, you may earn extra points for spending in specific categories, such as 3 points per dollar at restaurants or 5. But at that point there's better no AF cards for purely cash back. Cardmembers with Cards issued prior to September 1, 2022 will. You make a good point though about the credits. Whenever you make a purchase on the Amex Platinum card, the rewards you earn are called Membership Rewards points. Thus, on earnings. 5% on the first £10,000 of spend from month 4 to month 12 (but you get nothing if you spend under £3,000) 1% back on your spend over £10,000. Amex Platinum interest rate. 5K points per £5K spent from October 12 onwards, so I see it as another win for myself. ago. Cash Back Rewards. Cardholders can make up. 25% cashback after £10 000 overtakes the 1 point per £1 spend after around £20 000, and if you spend £40 000 or so in the year, the cashback card is better (especially as points usage comes out between 0. If you only travel a few times a year, the American Express® Gold Card could be a better fit. It’s typically a percentage of a transaction that’s credited back to you as a loyalty reward. 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. Offer captured on July 22, 2022, and may not be available to all applicants. 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. The Amex Gold offers 60,000 Membership Rewards Points when you spend $6,000 in the. 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. The Amex Gold, on the other hand, is more than twice as expensive. Explore your American Express Card Benefits and enjoy shopping rewards, travel benefits and insurance protection just for being a. The free MR card is also a decent option if you want to go this route. This card charges a much lower $250 annual fee, yet it offers an annual up to $120 in Uber credits. The American Express® Green Card * ’s current welcome bonus is: 40,000 points after spending $3,000 on purchases in the first 6 months. 4% return on spend. 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. Compare the following: You could earn thousands of extra points each year by using the right card for each purchase. Earn 1,000 Bonus Membership Rewards® Points for simply using your Card 4 times on transactions of Rs. The Gold Card has a $250 annual fee 1 and offers a number of accelerated points-earning opportunities, especially for food lovers:. With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U. Currently, you can earn 80,000 Membership Rewards points after spending $8,000 during your first six months of card membership. £2,000 – £0 Cashback Everyday vs £16 BA Amex. 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 ). Amex Platinum has more travel perks, like lounge access, Global Entry fee credit, elite hotel status, and luxury travel discounts. 20. You can repeat this offer 3 times, for a total of $15 back. Referral offer and incognito on Plat is still showing up at 150k sometimes. S. 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. Terms Apply. 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. 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. Best American Express Credit Cards. It’s as simple as that. 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. Another change is how you have to wait until the 13th month to get the cashback on the Platinum Cashback card, while on the MR points cards. 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. The rates and fees of the American Express Business Gold Card include: Annual fee: $295. There are two ways to go about this. As mentioned in the section above, you may receive up to $800 per claim, and each claim is subject to a $50 deductible. Foreign. 24% based on your credit score and other factors at the time you apply for an account. APR. 10% cash-back for Uber Eats purchases. That said, Amex also introduced several new perks in the same year, giving the card up to $929 in additional ongoing value after the first year. Rates & Fees. The card's $695 annual fee, which increased from $550 in 2021, is among the highest in the industry. com. Representative APR: 31. No minimum spend. American Express also. 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. American Express Gold Card. The American Express ® Gold Card automatically wins in this category due to its much lower annual fee of $250 (see rates and fees), compared to the $695 annual. American Express Platinum Reserve Credit CardAmerican Express® Platinum Reserve SM Credit Card. Head to your Amex Platinum home page and click the "Benefits" tab at the top of the screen. S. The level of cash back you can earn depends on the individual card. This means you could redeem, for example, 30,000 rewards points for anywhere between $150 to $300 depending on the brand. 3X points on airfare booked directly through the airline. Blue Cash Preferred. 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. If you spend more than $6,000, you get 1% thereafter, bringing the average below 4. " You can click either the "Get Started" or "Learn More" button. The Amex Gold annual fee is $250, while the Amex Blue Cash Preferred stands at $95. Terms Apply. Annual Fee. American Express Gold Card. American Express® Platinum Travel Credit Card. The APR on this card ranges from 21. And while some of the Platinum card’s benefits. 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. supermarkets (up to $25,000 per year). Delta Gold Amex vs. American Express, a leading financial institution, offers a wide range of services including credit, debit, and charge cards, complemented by various travel-related services. When booked through the American Express portal, travel purchases earn Business Gold cardholders a 25% rebate on those points, on up to 250,000 points per year. 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® Gold Card review. 5 cents to 1 cent per point, depending on the merchant. With bonus categories like U. 1. Amex Gold for dining/groceries and CFU for non-category purchases. THE POINTS GUY. The first is an Uber Cash benefit and the other is a Dining Credit that can be used. Image Credit: American Express. See related: Amex Gold vs. Apply Now. With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U. If you want a similar card that doesn’t charge an annual fee, then the Amex Blue Cash Everyday card is the perfect option. 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. 0% variable. Retailers eligible for cash-back in this category include, but are not limited to:This rule covers all of Amex's cards. com and you can earn 5X Membership Rewards points, or use Pay with Points, on prepaid stays. supermarkets on up to $25,000 per calendar year in purchases, then 1x. 1% cashback on local purchases and 2% cashback on overseas purchases. A sign-up bonus. We just booked $5700 flights for 87K MRs and $219. 1,500 and above every month. 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. Welcome bonus: 120,000 Membership Rewards points after spending $15,000 on eligible purchases in the first three months of card. Moderate—Cash-back cards exist that earn bonuses in specific categories or as high as 2% to 2. The real attraction of the Maybank 2 Gold & Platinum Cards lies in its TreatsPoints and cashback benefits – up to 5x TreatsPoints on virtually every RM1 spent and 5% cashback on. SimplyCash Preferred from American Express: Cash-back Rewards: Good/Fair: $119. Interest-free period: 56 days on purchases if the balance is paid in full each month (30. The card will set you back $250. Intro APR: None. Show Pros, Cons, and More. The Amex Plum card costs nothing the first year but costs $250 per year after that. S. 95 depending on location and coverage selected. Resy offer on Gold is 75k + 20% back at restaurants (up to $250 in total credits). 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. This bonus is worth roughly $564, based on TPG's most recent valuations. 4,500 plus applicable taxes. The Chase. S. Step 2: Select Transfer Points under Redeem. 2 cents apiece, meaning these 5,000 bonus points would be worth about $110. (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. Winner: The Platinum Card. Delta SkyMiles® Gold American Express Card - best for occasional delta flyers. Late payment fee. 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. The Amex Gold earns 4 Membership Rewards points per $1 at restaurants, plus takeout and delivery in the U. Scotiabank Value ® Visa* Card. Total two-year value: $1,486. 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. *Up to a maximum of Php2,500 worth of bonus cashback. Before diving into each card’s attributes, let’s start with a high-level overview comparison of the Chase Sapphire Preferred card and the Amex Gold card. Statement Credit Hassles. The level of cash back you can earn depends on the individual card. ago. Compare Cashback Credit Cards. Here's what you need to know about the Charles Schwab version. It is better for dining out and U. For many, this is the best credit card to own thanks to its combination of good cashback and low income requirements. supermarkets. Platinum Cashback – Up to £125 bonus cashback. The Amex Gold annual fee is $250, while the Amex Blue Cash Preferred stands at $95. *Average value based on Fine Hotels. CNN Underscored Money. 1 Spend £10,000 in your first 6 months to earn 75,000 points. Keep in mind that Amex has strict rules when it comes to earning a. $695 annual fee. Amex Offer for MGM’s Luxury Hotels. The Citi Double Cash® Card has an annual fee of $0 and earns 2% cash back on all purchases—1% when purchases are made and another 1% when they’re paid off. 2x miles on other purchases. once you have an Amex that’s the best you can expect). Amex Platinum. 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. Darren Murph. Pros of premium credit cards: These cards have. My take is that the 1. . 24% based on your credit score and other factors at the time you apply for an account. The American Express® Gold Card’s current welcome. Our top pick for the best rewards card, the Amex Gold rewards your food purchases — whether you're eating at home or dining out. Welcome bonuses on the Amex Green, Gold and Platinum. Most business owners know that the key to success is having a good, solid plan. 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. Most business owners know that the key to success is having a good, solid plan. But there’s a fork in the road in terms of statement credits. If you can pay your rent by ACH or paper check, no reason to leave 2650+ points behind each month. You can earn. While it’s the more expensive of the two, the Amex Gold card still provides significantly more value overall. Gold Card Members can add up to five Additional Cards without an annual fee. Platinum Card members will be charged a $50 fee for each guest—or $30 for children aged two through 17. streaming subscriptions. Best Premium Delta Card. The Amex Platinum has a much higher annual fee: $695 compared to $250 for the Amex Gold card. S. supermarkets, U. Scroll until you see "$240 Digital Entertainment Credit. Both cards offer travel and purchase protections, rental car coverage, and exclusive access to American Express Experiences. Welcome to the only officially recognized American Express community on Reddit. Cardholders can also earn an initial bonus of 60,000. S. S. 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. 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. With the Blue Cash Everyday Card, new cardmembers can earn a. Welcome Offer. 5% on the first £10,000 of spend from month 4 to month 12 (but you get nothing if you spend under £3,000) 1% back on your spend over £10,000. Earn 180,000 points after spending $6,000 in eligible purchases within the first 6 months. 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. 77 within a year—at a 1. Gift Cards – Use your rewards to purchase gift cards and receive $5 free added. The Blue Cash Preferred ® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make. The Platinum Card® from American Express: Best for frequent travelers. Best American Express Credit Card for Cashback. CNN Underscored Money. Step 3: Next, sign in to your Walmart account,. Amex Gold vs. Welcome bonus offer. It’s worth noting, however, that U. By using all. A Gold card's annual fee is $250 per year; the Platinum card's annual fee is $695. Here are other common rates and fees. S. You're still going to earn 3K MR points while spending £3K as well. Platinum Cashback – Up to £125 bonus cashback. Popular Amex transfer partners include British Airways Executive Club, Emirates Skywards, Hilton Honors and Marriott Bonvoy. Most people get the Amex for the bonus offers and then use them for airmiles. With so many ways to redeem Membership Rewards points, from the latest fashion, a weekend away and more. S. More Reads. Yes, I do exactly this! My setup is is the AMEX Platinum, AMEX Gold, BofA PR Elite, andBofA CCR (5. 5%. Total two-year value: $1,486. Welcome bonus: 80,000 Membership Rewards Points after spending $8,000 on purchases on the card in the first 6 months of card membership. American Express, a leading financial institution, offers a wide range of services including credit, debit, and charge cards, complemented by various travel-related services. 1x points = 1% cashback when maximizing rewards). As you can see, the Freedom Unlimited card earns at least 1. 5% cash-back on every purchase, while the Amex Gold card earns at least 1 Membership Rewards point on every purchase. The annual fee on the Platinum card comes in at $695 – one of the highest on the market. If this describes you, the Gold Card offers more than enough. supermarkets on up to $6,000 per year in purchases (then 1%); 6% cash back on select U. supermarkets (on up to $6,000 per calendar year, then 1%). Earn 5. As a top-tier travel card, the Amex Platinum card usually charges a $695 annual fee (see rates & fees ). Introductory offer: 5% cashback on purchases (up to £100) for the first 3 months. It’s tied only by The Business Platinum Card® from American Express (see rates & fees) and topped only by the invite-only Amex Centurion. But that fee unlocks. How To Get the Amex Rose Gold Card. 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. 1,000 plus applicable taxes Second Year onwards: Rs. You can use your Membership Rewards points to pay for online purchases with a number of retailers at a rate of 0. For example, Norton purchases through Rakuten currently earn 60%. 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. Variable APR: 19. 19. 5% “cash-back,” which is actually an early payment discount. As anyone familiar with premium travel credit cards. Julian Kheel. Not a Cardmember? Start your journey today by applying below. 5p to perhaps 1p, unless buying business class tickets wholly with points). Earning: Over 3% returns on travel or other common bonus categories. 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). The American Express Platinum Charge Card has no limit - this is rare among platinum cards and, for this reason, only suitable for high-earners who always repay their balance. Before you go and sign up for Equinox, be sure to enroll in the $300 Equinox credit in your American Express account: Image Credit:. Currently, there are 4 Amex card levels in the travel rewards category. Platinum Cashback Everyday – Up to £100 bonus cashback. You will receive a statement credit or bonus Membership Rewards points within 90 days. See rates & fees) offers solid value for most travelers. The Amex gold for example offers 20k bonus miles sign up when spending 2k in three months. $695. Looking to get a credit card to obtain discounts on my dining. Cash back is received in the form of Lowe’s Business Rewards points that can be redeemed for statement credits or select gift cards. ) and U. 1,500 and above every month. S. 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. 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. After the first year, you can get the ARCC which also gives you points, if you want to keep collecting those, or empty your points into Nectar and close it - the fee is refunded pro-rata. 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. gas stations. You could also be targeted for a higher bonus through the CardMatch tool (although offers through CardMatch are not. S. We recommend evaluating your monthly spending habits to see which categories you spend the most on. Best Cash Back Credit Cards of November 2023. On top of the welcome offer, Rose Gold offers a number of ways to earn accelerated Membership Rewards points:3.