The average initial bonus is 30,719 points/miles or $233 cash back. It’s tied only by The Business Platinum Card® from American Express (see rates & fees) and topped only by the invite-only Amex Centurion. 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. If you spend a lot on. Amex Platinum card — Ultra-premium. Image Credit: Walmart. Most business owners know that the key to success is having a good, solid plan. 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 Cobalt card is a travel rewards card that earns you American Express Membership Rewards on every purchase. 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. Credit Cards. By Holly D. If this describes you, the Gold Card offers more than enough. Compare Rewards Credit Cards. 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. A general guide is to use the Platinum and. People who can maximize the $240 in annual statement credits. supermarkets on up to $25,000 per calendar year in purchases, then 1x. Travel and dining credits, including a $120 Uber Cash credit and mainstays like the $120 Dining Credit and $100 Hotel Credit. You’ll find a variety of welcome offer bonuses for the Amex Gold card, depending on how and when you apply. See rates & fees) offers solid value for most travelers. Since we value Membership Rewards points at about 2. The $250-annual-fee card earns 4 points per dollar spent at restaurants, 4 points per dollar spent at U. THE POINTS GUY. £2,000 – £0 Cashback Everyday vs £16 BA Amex. 0% APR variable on purchases) Fees: No annual fee. That’s equal to a 4. 1,000 plus applicable taxes Second Year onwards: Rs. Follow it up with Schwab Plat (60k). On top of the welcome offer, Rose Gold offers a number of ways to earn accelerated Membership Rewards points:3. While the issuer. 24%-29. Learn More. First-year rewards value: $512. This card charges a much lower $250 annual fee, yet it offers an annual up to $120 in Uber credits. Amex Gold vs. The first 5 additional cards are free plus $35 per extra card starting with the sixth card. If you spend a lot on. 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. The American Express® Gold Card charges $250 per year, while the American Express® Business Gold Card charges $295 ($375 if application is received on or after 2/1/24) per year. $295 ($375 if application is received on or after 2/1/24) New cardmember offer. 5% discount. Gift cards. Platinum Cashback Everyday – Up to £100 bonus cashback. With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U. Welcome Bonus Earn $250 Annual Fee $0 intro annual fee for the. If you take out a cash advance. 5%. Best Premium Delta Card. MARTIN DIMITROV/GETTY IMAGES. You will earn: 3 additional points (for a total of 4 points) for each dollar charged at restaurants worldwide; 3 additional points (for a total of 4 points) on the first $25,000. 1,500 and above every month. Amex Platinum Quick Facts. However, with only a 1x earning rate, you'll earn a measly 2,676 points. The card's $695 annual fee, which increased from $550 in 2021, is among the highest in the industry. The Platinum Card annual fee. For many, this is the best credit card to own thanks to its combination of good cashback and low income requirements. 3 WalletHub Rating Apply Now Rates & Fees credit card company credit card company American Express American Express Accepted credit scores Accepted credit scores Excellent, Good Excellent, Good annual fee annual fee Both cards have the usual generous American Express sign-up bonuses: The Amex Platinum Cashback card pays you 5% back on your spending in the first three months, to a maximum spend of £2,500 (so capped at £125 back). Chase Sapphire Preferred® Card - best for dining and travel. 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. I second the BILT card as well. Earn 95,000 points after spending $6,000 within the first 6 months. The Amex Gold offers two different credits that are worth up to $120 each per year. Add a Supplementary Cardmember now and they can start earning points on your Account and enjoy many of the benefits. No rebate cap. In many cases, this will be $8,000 or $10,000. Terms Apply. Earn 1% cashback on local purchases and 2% cashback on overseas purchases. The card earns 4X points at restaurants and 4X points at U. *Up to a maximum of PHP2,500 worth of bonus cashback. S. Offer captured on July 22, 2022, and may not be available to all applicants. supermarkets on up to $6,000 per year in purchases (then 1%). 25% cashback 2 if you spend over. Get ready to treat yourself. After the first three months, you get 0. S. Learn More. This is what you would receive each year in cashback with different levels of spending. 60,000-point welcome bonus after spending $4,000 in the first 6 months of card membership. 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. Earn 180,000 points after spending $6,000 in eligible purchases within the first 6 months. However, each card more than makes up for the. Blue Cash Everyday® Card from American Express: Best no-annual-fee card. 10. Terms apply. 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 fee for The Platinum Card ® from. Our quick take : The Platinum Card® from American Express is the gold standard of luxury rewards. Building on the Gold Card’s existing rewards and benefits, eligible Cardmembers can now get £5 back, twice every month* , when simply ordering their favourite dishes. Earn 5. Downgrade the card to the Rewards card before you're in the second year. Step 3: Choose your desired airline or hotel transfer partner and select Transfer Points. supermarkets (up to $25,000 per year). Based on TPG's valuation of 2 cents each for Membership Rewards points, the welcome offer for the Amex Gold is worth $1,200. » MORE: Full review of the American Express. Why you might want a different cardAmerican Express Business Platinum Card basics. There isn’t another card on the market that offers a 1-2 punch like this. Earning: Over 3% returns on travel or other common bonus categories. 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. Welcome bonus: 120,000 Membership Rewards points after spending $15,000 on eligible purchases in the first three months of card. But there’s a fork in the road in terms of statement credits. Cardholders can make up. Here's what you need to know about the Charles Schwab version. ago. It earns 1x on all other. 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. A sign-up bonus. 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. This comparison will hopefully help you determine which card is best for you. Upgrade to the Platinum Card®. Both cards have annual statement credits that can help offset their annual fees. 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. AmEx Gold vs Citi Custom Cash. 6% Cash Back at U. With the card, you’ll earn: 3% Cash Back at U. While it’s the more expensive of the two, the Amex Gold card still provides significantly more value overall. 4% return on spend. Amex Gold isn't a travel card, it just earns rewards that have the most value when used for travel. Show Pros, Cons, and More. The Amex. The Chase. 5% cashback card. 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. Referral offer and incognito on Plat is still showing up at 150k sometimes. 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. It can earn 2x miles on Airbnb and Vrbo bookings, as this card earns 2x on all eligible purchases. Rewards Rate. AMEX Gold gives 1% more back for groceries/restaurants. *Up to a maximum of Php2,500 worth of bonus cashback. You can earn complimentary guest access for up to. S. Earn 60,000 points when you spend $6,000 on purchases in the first 6 months. supermarkets (on up to $25,000 in purchases per year) and restaurants – and redeem rewards. 07 and the BMO CashBack World Elite Mastercard earns $490. supermarkets: American Express® Gold Card - 4x points on up to $25,000 in purchases per calendar year; then 1x. com by January 10, 2024. For example, if you book a $1,000 plane ticket with Delta through Amex Travel, you should earn around 5,000 Membership Rewards points. There are two ways to go about this. Related: Card showdown: Amex Business Gold vs. 4x points on all food = 8% off all food. Amex Offer for MGM’s Luxury Hotels. Compare the free BA Amex to the free Amex Platinum Cashback Everyday. Platinum Cashback – Up to £125 bonus cashback. For example, you could receive a cashback yield of 0. Annual Fee. 5K points per £5K spent from October 12 onwards, so I see it as another win for myself. 6% back at U. Generally, Citi focuses on. American Express® Platinum Card. Foreign. Blue Cash Everyday; Amex Gold vs. S. If you want a similar card that doesn’t charge an annual fee, then the Amex Blue Cash Everyday card is the perfect option. Currently, you can earn 80,000 Membership Rewards points after spending $8,000 during your first six months of card membership. The Platinum Card from American Express. 95 depending on location and coverage selected. legal (external) No fee. Cardholders can also earn an initial bonus of. Discover the different Card types that Amex has to offer and match them to suit your lifestyle. It's also a good choice for. £1,000 – £0 Cashback Everyday vs £8 BA Amex. S. If you're able to max them out, you'll bring the card's effective annual fee down to just $10. You can earn 60,000 points after spending $4,000 within the first three months of opening your Chase Sapphire Preferred card, while the American Express Gold Card is offering 60,000 bonus points. The APR on this card ranges from 21. 4X points at restaurants around the world, including Uber Eats purchases and other delivery services. Introductory offer: 5% cashback on purchases (up to £100) for the first 3 months. Each Cash Back Credit Card offers competitive cash. You’ll earn a cash back rate of 4X. 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. Popular Amex transfer partners include British Airways Executive Club, Emirates Skywards, Hilton Honors and Marriott Bonvoy. 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. American Express® Gold Card - best overall dining card. Both cards offer travel and purchase protections, rental car coverage, and exclusive access to American Express Experiences. streaming subscriptions, 3% cash back at U. Make a transaction in month 15 to earn another 25,000 points. 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. American Express Gold Card. 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. . Annual fee. Amex Platinum has an annual fee of £650 per year. Amex points are worth 1. Welcome Offer. 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. Points & Rewards. S. Best Chase Credit Cards. Another option that would potentially make me consider the Apple Card, even with its current earning structure and benefits package, is a good sign-up bonus. 2 cents apiece, meaning these 5,000 bonus points would be worth about $110. American Express® Gold Card: Best for dining rewards. The American Express® Gold Card’s current welcome. It’s usually best to pay a rewards card’s bill in full every month, unless there. AmEx Gold vs Citi Custom Cash. Step 2: Click Get Started. The AMEX Gold on the other hand was repositioned as the "baby Platinum" card. So you could look at it as getting a small rebate on your spending. But the initiation and annual fees for the Centurion Card† make Amex Platinum's $695 annual fee (see rates and fees) look like child's play. Why You Shouldn’t Get Cash-back From the Amex Platinum Card. 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. As you can see, the Freedom Unlimited card earns at least 1. 5%. First-year value: $1,262. supermarkets, U. 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. Gift cards start at $20. com by January 31,. 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. S. 5p to perhaps 1p, unless buying business class tickets wholly with points). There's an initiation fee of $10,000, along with an annual fee of $5,000. 2 cents average point valuation: With the American Express Gold Card, you would earn. Platinum Card members will be charged a $50 fee for each guest—or $30 for children aged two through 17. You'll get a higher earn with both of those at a smaller amount of AF. It’s typically a percentage of a transaction that’s credited back to you as a loyalty reward. spooky1054025 • 3 yr. I recently swapped over from my bank's card to the AMEX gold and have to say the main reason. 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. No minimum spend. American Express® Gold Card. You can repeat this offer 3 times, for a total of $15 back. 18+, subject to status. The card will set you back $250. S. Updated 10:10 PM EDT, Mon November 13, 2023. 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. Earn 5X Membership Rewards® Points for flights booked directly with airlines. The Amex Plum card costs nothing the first year but costs $250 per year after that. Cashback is a credit card benefit that allows you to earn money back on things you buy with the relevant card. $ 250. American Express ® Gold Card: Earn 60,000 points when you spend $6,000 on purchases in the first 6 months. 5 - 0. Points & Rewards. 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. Best American Express Credit Card for Cashback. Blue Cash Preferred® Card from American Express - 6% cash back on up to $6,000 in purchases per calendar year; then 1%. 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 spend a lot on. Now the only real benefits are the $120 Uber and $120 Dining Credit (which I value at $0 now since I do not eat at those places). Good to Excellent. The Gold Card Membership Rewards. That’s equal to a 4. Our Favorite Benefits of the Amex Platinum Card. American Express Platinum Reserve Credit CardAmerican Express® Platinum Reserve SM Credit Card. Variable APR: 19. If you hold a Membership Rewards-earning American Express card, you can score a 10%. 6. American Express® Gold Card. The Platinum Card® from American Express: Best for frequent travelers. Platinum Cashback Everyday Credit Card. How To Get the Amex Rose Gold 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. 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. Moderate—Cash-back cards exist that earn bonuses in specific categories or as high as 2% to 2. That’s a nice return on your spending, and far better than, for example, receiving $50 off your stay. 40 spent using the card. New Amex Platinum card members can earn 80,000 bonus points after spending $8,000 on purchases on the card in the first six months after. Welcome bonuses on the Amex Green, Gold and Platinum. Earn $300 after spending $3,000 on purchases in the first 3 months. The American Express Platinum Card comes in different flavors. Earn 80,000 Membership Rewards points after spending $8,000 within the first six months of card. streaming subscriptions, transit, and U. Gold Card. 95 to $24. Both cards have annual statement credits that can help offset their annual fees. 1 Plus no annual fee in the first year. ; 4 points per dollar on restaurant purchases, whether you choose takeout or delivery in the U. 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). Our top pick for the best rewards card, the Amex Gold rewards your food purchases — whether you're eating at home or dining out. 49% variable. 12. Plus, the Gold Card includes up to $120 in Uber Cash, up to another $120 in dining credits with participating partners, and a number of. 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. You'll get a higher earn with both of those at a smaller amount of AF. Welcome to the only officially recognized American Express community on Reddit. 20. Annual fee. Step 3: Next, sign in to your Walmart account,. 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. S. Here’s how you’ll earn rewards on the Capital One Venture card and the Amex Gold card: Capital One Venture Card. Foreign transaction fee: None. Image Credit: American Express. There’s a limit of 2 claims per eligible card account in each 12-month period. On top of that, get an extra 2,500 bonus points for every £5,000 you spend, up to a maximum of 12,500 bonus points per year. Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible. 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). Business Platinum cardholders can get a 35% rebate on purchases booked through the Amex portal on up to 500,000 points per year. I’ve been using this setup for a while now. 1X point on all other eligible purchases. This works out to be a 20% discount if you spend exactly $700. Prices range from $12. No rebate cap. Moderate—Cash-back cards exist that earn bonuses in specific categories or as high as 2% to 2. Both cards limit maximum coverage to $50,000 per account. Upgrade to the Platinum Card®. Cash back rewards. Our Verdict. 5% cash back on all purchases. With the Delta SkyMiles Gold, you would earn 64,064 miles—worth approximately $768. Christian_L7. Annual Fee: Rs. 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 fee for The Platinum Card ® from. Representative APR: 31. Options include: Amazon: 0. The Amex Blue Cash Preferred card earns bonus cash-back on transit, including tolls, buses, trains, parking, and more. Share your Benefits. Current Plat referral offer is 150K + 10X back at restaurants. 99%. No minimum spend. such as APRs, should be a secondary concern in most people’s cash back credit card comparison. The same holds true for getting the most out of the Amex Plum card. my. Hilton Honors American Express Surpass® Card - best for hilton loyalists. In the past, Schwab used to have a 2% cashback card, which they replaced with the 1. Venture X will have features that both make travel more comfortable and earn rewards towards travel. Annual fee of $95. In contrast, the BofA is also limited to $2500 per quarter in bonus category spend. If you spend more than $6,000, you get 1% thereafter, bringing the average below 4. 4. £1,000 – £0 Cashback Everyday vs £8 BA Amex. The Platinum Card® from American Express: Best for luxury travel benefits. 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. Delta SkyMiles ® Platinum American Express Card. $695. supermarket purchases (up to $25,000 per calendar year, then 1x). 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). Other Benefits and Drawbacks: The Hilton Aspire Card is the only hotel credit card we’re aware of that offers automatic top-tier status. American Express offers credit cards and charge cards mostly focused on luxury travel benefits, high-end rewards, and premium customer service. 24% to 28. The current offers are: Delta SkyMiles® Gold American Express Card: Earn 40,000 bonus miles after spending $2,000 in purchases in the first 6 months of card membership. You won't get an intro bonus if you've had a personal (not business) Amex in the last two years. supermarkets. streaming subscriptions; 3% back on transit including taxis/rideshare, parking, etc. supermarkets on up to $6,000 per year in purchases, then 1%, 3% cash back at U. The Amex Platinum has a much higher annual fee: $695 compared to $250 for the Amex Gold card. With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U. Remember that Cashback Everyday requires £3,000 of annual spending before it pays out. 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. APR. supermarkets, U. 95 to $24. 6 cents per point) unless you get the Charles Schwab Platinum (1. From your online account, you can add an offer to a particular credit card, and then use that card to make the required purchase. 0% APR variable on purchases). 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 current public offer is: Earn 60,000 points when you spend $6,000 on purchases in the first 6 months. The Blue Cash Preferred Card currently offers a $250 statement credit after spending $3,000 in purchases within the first 6 months. Earn 60,000 points when you spend $6,000 on purchases in the first 6 months. The cashback card at £125 vs 30 000. 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. Welcome bonus offer. First-year value: $1,262. However, generally not much higher than mid-tier welcome offers. You’ll earn a cash back rate of 4X. Amex EveryDay vs. S. Further, the AmEx BCP's effective cashback rate could be lower than 4. As an Amex Cardmember, you get two complimentary Supplementary Cards. gas stations, up to $6,000 per year, then 1%, 3% cash. 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. Earn 60,000 points after spending $4,000 on purchases in the first 3 months. 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. Membership provides significant benefits, including unique rewards, advantageous pricing options, excellent customer service, and numerous travel-related amenities. Amex Gold vs. Delta SkyMiles® Platinum American Express Card: Basics. The American Express® Gold Card has a $250 annual fee. The Amex Gold card is geared toward people who shop frequently, eat out a lot, and do a lot of everyday spending. My take is that the 1. With bonus categories like U. 3 WalletHub Rating Apply Now Rates & Fees credit card.