Offer ends 9 January 2024. Further, the AmEx BCP's effective cashback rate could be lower than 4. I second the BILT card as well. These earnings can add up. Earn 180,000 points after spending $6,000 in eligible purchases within the first 6 months. I currently have a chase card and am enjoying the 1% cash back - I think mine runs out in June as I joined late. SUMMARY. Cardholders can make up. $695 annual fee. Partner has an Amex everyday platinum cash back card. Annual fee of $95. Delta SkyMiles® Gold American Express Card - best for occasional delta flyers. 99 a month. Earn 20,000 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. Apply Now. streaming subscriptions, transit, and U. As an Amex Cardmember, you get two complimentary Supplementary Cards. 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. Platinum Cashback – Up to £125 bonus cashback. The earning rate of 4 Membership Rewards points per dollar at restaurants and U. With so many ways to redeem Membership Rewards points, from the latest fashion, a weekend away and more. 12. 49% variable. Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible. American Express offers credit cards and charge cards mostly focused on luxury travel benefits, high-end rewards, and premium customer service. 4x Membership Rewards points at U. 18+, subject to status. Enjoy dining and on-site hotel experience credits. Both The Platinum Card® from American Express and the Delta SkyMiles® Reserve American Express Card offer welcome bonuses for new cardmembers. Earn up to 100,000 Membership Rewards® points when you upgrade to the Platinum Credit Card® from the American Express Preferred Rewards Gold Credit Card®. 2x miles on other purchases. Scroll until you see "$240 Digital Entertainment Credit. All in all, the benefits with Gold are good. Apply online today!Neither card currently has a 0% APR offer, and neither has foreign transaction fees. S. You can repeat this offer 3 times, for a total of $15 back. However, with only a 1x earning rate, you'll earn a measly 2,676 points. APR on purchases will be a variable rate, 20. 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. Amex Platinum has an annual fee of £650 per year. 5 cents to 1 cent per point. It's only 0. Credit Cards. This is an easy win for the Gold card. 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. The level of cash back you can earn depends on the individual card. Earn 80,000 Membership Rewards points after spending $8,000 within the first six months of card. The Amex Cobalt card is a travel rewards card that earns you American Express Membership Rewards on every purchase. 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. S. Terms apply. Earn $300 after spending $3,000 on purchases in the first 3 months. I am finding it real hard to make a case to keep this card open in 2023. How do the annual fees on Amex Gold and Amex Platinum differ? Amex Gold has no annual fee in year 1 and is £195 per year thereafter. 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. Darren Murph. Each Cash Back Credit Card offers competitive cash. Upgrade to the Platinum Card®. gas stations, up to $6,000 per year, then 1%, 3% cash. I currently have a chase card and am enjoying the 1% cash back - I think mine runs out in June as I joined late. Earn 5. Amex Offer for MGM’s Luxury Hotels. Chase Sapphire Preferred® Card - best for dining and travel. S. Amex Platinum Cashback Everyday Get 5% cashback for the first three months, then ongoing cashback of up to 1% – though you must spend £3,000+ per year to get any cashback. 5K points per £5K spent from October 12 onwards, so I see it as another win for myself. Earn $300 after spending $3,000 on purchases in the first 3 months. The Amex Gold offers two different credits that are worth up to $120 each per year. supermarkets on up to $6,000 per year in purchases, then 1%, 3% cash back at U. You'll get a higher earn with both of those at a smaller amount of AF. 4% return on spend. The Chase. 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. The cost of holding either card is relatively similar, but whether each annual fee is worth it depends on how much value you can receive from a card’s benefits and rewards. Amex Platinum card — Ultra-premium. Marriott Bonvoy Brilliant ® American Express ® Card. gas stations and Amex Travel, and 1X points on other eligible purchases. Get rewarded for being you with one point for every pound you spend. 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 purchases on your new Card in your first 6 months. The American Express® Gold Card’s current welcome. Late payment fee. 95 to $24. Preferred Rewards Gold – Up to £150 in Nectar points, plus four airport lounge passes. The Amex gold for example offers 20k bonus miles sign up when spending 2k in three months. First-year rewards value: $512. 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. Sapphire for travel purchases. 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. Then there are the less exciting fees. Whenever you make a purchase on the Amex Platinum card, the rewards you earn are called Membership Rewards points. 5% cashback card. 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. 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. 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. Venture X will have features that both make travel more comfortable and earn rewards towards travel. Amex Platinum. QuicksilverOne. S. The personal Gold card is now offering SUBs as high as 90K plus a $250 dining bonus. 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. American Express Gold Credit Card : 1 Membership Rewards Point for every Rs. The AmEx BCP advertises 6% cashback for groceries, but, factoring in its $95 annual fee, the AmEx BCP only achieves a maximum effective cashback rate of 4. S. Earn Everyday Cashback. Welcome bonus offer. Both cards limit maximum coverage to $50,000 per account. S. At Amex, cash back is earned in the form of Reward Dollars that can be redeemed for statement credits, with no redemption minimum. It’s typically a percentage of a transaction that’s credited back to you as a loyalty reward. Blue Cash Preferred® Card from American Express. In general, Amex is more prestigious than Citi. 3% cash back at U. Best Discover Credit Cards. People who can maximize the $240 in annual statement credits. 99% - 29. SimplyCash Preferred from American Express: Cash-back Rewards: Good/Fair: $119. The Platinum would make more sense if you pair it with like the Gold, but the Platinum alone isn't that valuable (points earning wise) outside of booking direct flights. Gold Card. *Up to a maximum of Php2,500 worth of bonus cashback. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit. 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. American Express ® Gold Card: Earn 60,000 points when you spend $6,000 on purchases in the first 6 months. You’ll have 220k MR plus spending that you can cash out to Schwab to the tune of $2,750+. American Express, a leading financial institution, offers a wide range of services including credit, debit, and charge cards, complemented by various travel-related services. 2 cents apiece, meaning these 5,000 bonus points would be worth about $110. 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. The Amex Blue Business Plus card is arguably the best no-annual-fee business credit card you can have. ; 3% back at U. It’s usually best to pay a rewards card’s bill in full every month, unless there. As you can see, the Freedom Unlimited card earns at least 1. S. Best two-year value: The Platinum Card® from American Express. 19. Earn 1% cashback on local purchases and 2% cashback on overseas purchases. The math, in the. Most people get the Amex for the bonus offers and then use them for airmiles. S. S. 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 ). Step 3: Choose your desired airline or hotel transfer partner and select Transfer Points. Rates & Fees. Upgrade to the Platinum Card®. once you have an Amex that’s the best you can expect). 49% to 27. Both cards have annual statement credits that can help offset their annual fees. The Amex Blue Cash Preferred card earns bonus cash-back on transit, including tolls, buses, trains, parking, and more. 07 with the annual fee factored in. $550. *Up to a maximum of Php2,500 worth of bonus cashback. Platinum; Feature: Gold: Platinum: Annual Fee: $250: $695: Reward Points: 90,000 after spending $4,000 in first 6 months: 150,000 after spending. Whether you want to collect Membership Rewards® points, travel the world or enjoy exclusive curated experiences, Amex makes it all possible. Platinum Cashback Everyday Credit Card. For example, you could receive a cashback yield of 0. S. 5 Things to Know About the Charles Schwab AmEx Platinum. 3% back on transit (parking, tolls, ride-hailing, subway, etc. The Resy offer on Plat is 125k + 10X restaurants for 6 months. 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. Buying food, use gold, that simple. It is better for dining out and U. 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. supermarkets, U. After the first three months, you get 0. supermarkets (on up to $25,000 per calendar year in purchases. Representative APR: 31. 3** Earn 2% cash back on eligible gas purchases in Canada,. Intro APR: None. 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. streaming subscriptions. -based travelers can transfer points from HSBC rewards and Citi ThankYou Points to Qatar Airways Privilege Club for a 25% bonus. AMEX Gold gives 1% more back for groceries/restaurants. I only goes one way. 2x miles on other purchases. 99% on purchases. Our Verdict. $695. Terms Apply. 1 Spend £10,000 in your first 6 months to earn 75,000 points. American Express Platinum Reserve Credit CardAmerican Express® Platinum Reserve SM Credit Card. Welcome bonus: Earn 40,000 bonus miles. First Year Fee: Rs. 1,000 plus applicable taxes Second Year onwards: Rs. 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). online retail purchases, on up to $6,000 per year, then. 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. 8. Looking to get a credit card to obtain discounts on my dining. my. With The Platinum Card, you get automatic Marriott Bonvoy Gold Elite Status and Hilton Honors Gold Status, premium car rental status for various car rental programs and airport lounge access. Image Credit: American Express. AmEx Gold vs Citi Custom Cash. It's really a benefits card. supermarkets up to $6,000 in per year in purchases, 2X points at U. Resy offer on Gold is 75k + 20% back at restaurants (up to $250 in total credits). The current public offer is: Earn 60,000 points when you spend $6,000 on purchases in the first 6 months. You’ll earn a cash back rate of 4X. Image Credit: American Express. 4,500 plus applicable taxes. With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U. Further, the AmEx BCP's effective cashback rate could be lower than 4. Welcome to the only officially recognized American Express community on Reddit. 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. To view rates and fees of the Delta SkyMiles® Platinum American Express Card, see this page. American Express Gold vs. " You can click either the "Get Started" or "Learn More" button. Current Plat referral offer is 150K + 10X back at restaurants. *Rewards. S. Head to your Amex Platinum home page and click the "Benefits" tab at the top of the screen. 5 - 0. Follow it up with Schwab Plat (60k). But there’s a fork in the road in terms of statement credits. American Express® Gold Card: Best for dining rewards. 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. Before you go and sign up for Equinox, be sure to enroll in the $300 Equinox credit in your American Express account: Image Credit:. You will earn one point for each dollar charged for an eligible purchase in each billing period on The American Express Gold Card. The Platinum Card® from American Express: Best for frequent travelers. First-year value: $1,262. 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. While the issuer. Welcome. 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. Get stay vouchers worth INR 45,000 from Taj, SeleQtions and Vivanta Hotels. Delta SkyMiles® Platinum American Express Card - best for mid-tier delta flyers. I’ve been using this setup for a while now. S. You just can't change miles into cash back. 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. American Express® Gold Card. The card earns 4X points at restaurants and 4X points at U. Cardholders also get an annual one. S. Amex Gold benefits. The same holds true for getting the most out of the Amex Plum card. supermarket purchases per year for a total of $360. 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. supermarkets (up to $25,000 per year). American Express® Gold Card review. 5 cents to 1 cent per point, depending on the merchant. APR. For starters, the Amex Gold card offers 4 points / $1 spent at spent at restaurants worldwide (plus takeout and delivery in the U. 99%, based on your creditworthiness and other factors as determined at the time of account opening. $0 intro annual fee for the first year, then $95. 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. com by January 10, 2024. However, if you want to try the Platinum card in the future, then start with the Platinum Cashback card because having the Gold card for 2 years negates your chances of. Statement Credit Hassles. There’s a limit of 2 claims per eligible card account in each 12-month period. The Amex gold for example offers 20k bonus miles sign up when spending 2k in three months. American Express, a leading financial institution, offers a wide range of services including credit, debit, and charge cards, complemented by various travel-related services. 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. The Platinum Card® from American Express: Best for luxury travel benefits. If you are a frequent traveler looking to upgrade your experiences, the Amex Platinum could be a great choice to add to your. Welcome Offer. New cardholders can get a 0% intro. Referral offer and incognito on Plat is still showing up at 150k sometimes. 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. $695: Capital One Venture Rewards Credit Card: Earn 75,000 miles when you spend $4,000 on. S. There isn’t another card on the market that offers a 1-2 punch like this. Featured Benefits: Enjoy up to 10% cashback* for the first 3 months of Card issuance. *Up to a maximum of PHP2,500 worth of bonus cashback. If you haven’t already, you will need to link your frequent flyer account to your Membership Rewards account. 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. Here’s a few different. 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. American Express Membership Rewards® Credit Card. Because of this, card holders can get up to $814 in value in the first year if maximizing the annual 6% cash back cap on groceries, using the The Disney Bundle and Equinox+ credits offered and. The Amex Platinum has a much higher annual fee: $695 compared to $250 for the Amex Gold card. This bonus is worth roughly $564, based on TPG's most recent valuations. You're still going to earn 3K MR points while spending £3K as well. 4% for groceries. streaming subscriptions, transit, and U. Welcome bonus: 120,000 Membership Rewards points after spending $15,000 on eligible purchases in the first three months of card. 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. 00% introductory interest rate on Cash Advances for the first 10 months (12. Step 2: Select Transfer Points under Redeem. 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. Darren Murph. The level of cash back you can earn depends on the individual card. The American Express Gold Card offers plenty of ways to earn points – including 4 points per dollar spent at U. Earn 60,000 points after spending $4,000 on purchases in the first 3 months. 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. Currently, you can earn 80,000 Membership Rewards points after spending $8,000 during your first six months of card membership. But the companion pass /uber credit, and the lounge access with the Amex. 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. Amex cards that offer rewards at U. This card is great for those who want to earn cash-back with U. 5% cash-back on every purchase, while the Amex Gold card earns at least 1 Membership Rewards point on every purchase. Retailers eligible for cash-back in this category include, but are not limited to:This rule covers all of Amex's cards. The Amex Gold credit card hedges out the Amex Platinum by a small margin when it comes to the welcome bonus. American Express Gold vs. 49% variable. 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. 4x points on all food = 8% off all food. Best Cash Back Credit Cards of November 2023. You could also be targeted for a higher bonus through the CardMatch tool (although offers through CardMatch are not. The CSP costs $35 more if you use all of the credits for both. If you spend a lot on. Johnson - Finance Expert. S. You won't get an intro bonus if you've had a personal (not business) Amex in the last two years. S. Rates & Fees. Gift cards start at $20. Interest-free period: 56 days on purchases if the balance is paid in full each month (30. At Amex, cash back is earned in the form of Reward Dollars that can be redeemed for statement credits, with no redemption minimum. 2 cents per point, which means that the 90,000-point bonus offer is worth. 06 (Amex Air Miles Platinum. 2 The annual fee for. . Intro APR: None. AmEx Gold vs Citi Custom Cash. $250 (Rates & fees) The Platinum Card ® from American Express. A sign-up bonus. gas stations. If you want a single credit card that earns a generous flat rate of cash back or points on all your purchases, consider one of the many 2% cash-back cards available. Here's what you need to know about the Charles Schwab version. $295 ($375 if application is received on or after 2/1/24) New cardmember offer. 5% cash back on all purchases. Our quick take : The Platinum Card® from American Express is the gold standard of luxury rewards. 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. There isn’t another card on the market that offers a 1-2 punch like this. Earn 5x on flight purchases with the Amex Platinum. Amex Gold vs. Gas Stations The rates and fees of the American Express Business Gold Card include: Annual fee: $295. No rebate cap. Depending on the card, you may earn extra points for spending in specific categories, such as 3 points per dollar at restaurants or 5. Apply Now. 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. Blue Cash Preferred® Card from American Express - 6% cash back on up to $6,000 in purchases per calendar year; then 1%. The Gold Card has a $250 annual fee 1 and offers a number of accelerated points-earning opportunities, especially for food lovers:. By using all. 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. 0% variable. THE POINTS GUY. streaming subscriptions. 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. From your online account, you can add an offer to a particular credit card, and then use that card to make the required purchase. , or dine out at restaurants worldwide - with no. The offer expires on January 1, 2024, and like all Amex Offers, it’s usually. It’s as simple as that. This. 5%. Platinum cards have higher minimum credit limits than gold cards. If its your first credit card though, not sure if you'd get approved. 49% to 27. . 7% APR variable. Currently, you can earn 80,000 Membership Rewards points after spending $8,000 during your first six months of card membership. 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. If you don’t currently have the Amex Gold card, all you have to do is select it. The Amex Platinum consistently has one of the most valuable welcome offers out there. Earn up to 100,000 Membership Rewards® points when you upgrade to the Platinum Credit Card® from the American Express Preferred Rewards Gold Credit Card®.