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. Moderate—Cash-back cards exist that earn bonuses in specific categories or as high as 2% to 2. The Amex Platinum card has various benefits for its cardholders upon enrollment, including statement credits, airport lounge access, hotel elite status, and more. After annual spending of $24,000, the Amex Green Card gives you $480 towards Aeroplan or British Airways flights, compared to the $960 you would have earned with the Amex Cobalt. That could add up to $100 in statement credits. Business Platinum cardholders can get a 35% rebate on purchases booked through the Amex portal on up to 500,000 points per year. S. The Amex Platinum card has various benefits for its cardholders upon enrollment, including statement credits, airport lounge access, hotel elite status, and more. THE POINTS GUY. Gift Cards – Use your rewards to purchase gift cards and receive $5 free added. Referral offer and incognito on Plat is still showing up at 150k sometimes. You can also see a full list of participating international banks in this transfer bonus. The Capital One Savor charges $95 per year — a moderate annual fee for a rewards credit card. 18+, subject to status. Rates & Fees. A sign-up bonus. The American Express Gold Card carries a $250 annual fee and may allow you to carry a balance for some charges. Amex Offers —. Most people get the Amex for the bonus offers and then use them for airmiles. $695. Keep in mind that Amex has strict rules when it comes to earning a. S. 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. Here’s why: The Platinum Card® from American Express charges a whopping $695 annual fee that could make your jaw drop. You will receive a statement credit or bonus Membership Rewards points within 90 days. Best Cash Back Credit Cards of November 2023. Best two-year value: The Platinum Card® from American Express. First Year Fee: Rs. We value Membership Rewards points at about 2. No minimum spend. Upgrade to the Platinum Card®. 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. 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. If you haven’t already, you will need to link your frequent flyer account to your Membership Rewards account. S. 8. Image Credit: American Express. 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. Then get the gold a little later (60k). The Amex Gold card is geared toward people who shop frequently, eat out a lot, and do a lot of everyday spending. In general, Amex is more prestigious than Citi. 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. The American Express Platinum’s current welcome bonus is: 80,000 Membership Rewards Points after spending $8,000 on purchases on the card in the first 6 months of card membership. I currently have a chase card and am enjoying the 1% cash back - I think mine runs out in June as I joined late. 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. 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. Welcome bonus: 80,000 Membership Rewards Points after spending $8,000 on purchases on the card in the first 6 months of card membership. Updated 10:10 PM EDT, Mon November 13, 2023. 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. Platinum Cashback Everyday – Up to £100 bonus cashback. New Cardmembers get 5% cashback 1 up to £125 cashback for your first three months of Cardmembership. 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. Though it has an annual fee of $155. I second the BILT card as well. Marriott Bonvoy Brilliant ® American Express ® Card. We value Amex Membership Reward points at 2. Chase Sapphire Preferred® Card - best for dining and travel. Currently, you can earn 80,000 Membership Rewards points after spending $8,000 during your first six months of card membership. How To Get the Amex Rose Gold Card. Get to know your Preferred Rewards Gold Card® Benefits . American Express® Platinum Travel Credit Card. Cash back is received in the form of Lowe’s Business Rewards points that can be redeemed for statement credits or select gift cards. This is made even more clear with each card’s benefits. Amex Platinum Quick Facts. 5% cash back on all purchases. American Express ® Gold Card: Earn 60,000 points when you spend $6,000 on purchases in the first 6 months. 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. Amex Gold isn't a travel card, it just earns rewards that have the most value when used for travel. 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. This. Both cards offer travel and purchase protections, rental car coverage, and exclusive access to American Express Experiences. 0. Credit Card Summary. $250: The Platinum Card ® from American Express:. 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. 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). Upgrade to the Platinum Card®. 10. American Express Gold Card. American Express® Platinum Card. Overall, Forbes Advisor estimates that the SimplyCash Preferred Card earns $655. You could also be targeted for a higher bonus through the CardMatch tool (although offers through CardMatch are not. First-year value: $1,262. That means an offer to earn 8% cash back is equal to earning 8 Membership Rewards points per dollar. Generally, Citi focuses on. Based on TPG's latest valuations, that bonus is worth $1,200. I am finding it real hard to make a case to keep this card open in 2023. Annual Fee. 0% variable. On top of the welcome offer, Rose Gold offers a number of ways to earn accelerated Membership Rewards points:3. The Amex Platinum Cashback Everyday card pays you 5% back on your spending in the first three months, to a maximum spend of £. 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. See related: Amex Gold vs. S. 1. JOHN GRIBBEN/THE POINTS GUY. 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. Affinity credit cards. The American Express Platinum Card comes in different flavors. 20. Chase Sapphire Reserve® - best for chase ultimate rewards. Reward points per $1. The Gold Card has a $250 annual fee 1 and offers a number of accelerated points-earning opportunities, especially for food lovers:. 4% cash-back on dining, including restaurants, cafes, bars, lounges,. supermarkets (on up to $25,000 in purchases each calendar year, then 1 point per dollar). Most business owners know that the key to success is having a good, solid plan. The Business Platinum Card® from American Express. Earn 60,000 points after spending $4,000 on purchases in the first 3 months. 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. Some cards offer rewards in the form of cash back. gas stations. 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). 15 grams. Amex Gold vs. This earned cash back will be received in the form of Reward Dollars that can be redeemed as a statement credit or at checkout at Amazon. 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. The Platinum Card® from American Express is the priciest, with an annual fee north of $500, and the American Express® Gold Card lands in the middle. This is what you would receive each year in cashback with different levels of spending. gas stations and on. Foreign. 4X points at U. First-year value: $1,262. 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. It's only 0. 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. The Amex gold for example offers 20k bonus miles sign up when spending 2k in three months. First-year rewards value: $512. Annual fee: $395-$695 (see Amex Platinum rates and fees) Welcome bonus: $1,000 or more in value, according to TPG valuations. Current Plat referral offer is 150K + 10X back at restaurants. 4% cash-back on dining. Rates & Fees. 19. Step 3: Next, sign in to your Walmart account,. $250: The Platinum Card ® from American Express: Earn 80,000 points after spending $8,000 on purchases in the first 6 months. 99% Variable,0% on purchases for 12 months. Both The Platinum Card® from American Express and the Delta SkyMiles® Reserve American Express Card offer welcome bonuses for new cardmembers. 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. Compare Cashback Credit Cards. 75% thereafter though. Other Benefits and Drawbacks: The Hilton Aspire Card is the only hotel credit card we’re aware of that offers automatic top-tier status. Annual fee of $95. Earn Points. With so many ways to redeem Membership Rewards points, from the latest fashion, a weekend away and more. 07 and the BMO CashBack World Elite Mastercard earns $490. See rates & fees) offers solid value for most travelers. American Express® Gold Card review. 1 Plus no annual fee in the first year. 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. S. supermarkets (up to $25,000 per year). This means you could redeem, for example, 30,000 rewards points for anywhere between $150 to $300 depending on the brand. With the Amex Platinum card, coverage is. 1,500 and above every month. Platinum Card members will be charged a $50 fee for each guest—or $30 for children aged two through 17. 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. 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. It’s worth noting, however, that U. 5 Things to Know About the Charles Schwab AmEx Platinum. 4,500 plus applicable taxes. It’s tied only by The Business Platinum Card® from American Express (see rates & fees) and topped only by the invite-only Amex Centurion. Delta SkyMiles® Platinum American Express Card: Basics. Card type: Airline. 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. American Express Gold vs. With the card, you’ll earn: 3% Cash Back at U. The Amex. 95 depending on location and coverage selected. Having access to both point ecosystems is nice for flexibility. Blue Cash Preferred® Card from American Express - 6% cash back on up to $6,000 in purchases per calendar year; then 1%. streaming subscriptions, transit, and U. Delta Platinum Amex welcome offer. The Amex Gold annual fee is $250, while the Amex Blue Cash Preferred stands at $95. But if you can get the entire trifecta, you'll end up earning anywhere from a 4% to a 10% return (based on TPG valuations) on almost all your purchases. Annual Fee: Rs. 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. 1 Spend £10,000 in your first 6 months to earn 75,000 points. Annual fee. The American Express Travel portal allows you to redeem Membership Rewards points directly for travel reservations and activities rather than transfer your rewards to airline or hotel partners like Delta Air Lines SkyMiles and Marriott Bonvoy. 1,000 plus applicable taxes Second Year onwards: Rs. 24% based on your credit score and other factors at the time you apply for an account. The current public offer is: Earn 60,000 points when you spend $6,000 on purchases in the first 6 months. An. Platinum Cashback – Up to £125 bonus cashback. S. Earn 80,000 Membership Rewards points after spending $8,000 within the first six months of card. 3X points on airfare booked directly through the airline. But that fee unlocks. 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. *Applicable to Cardmembers with Cards issued starting September 1, 2022. 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. That’s equal to a 4. High—Flexible point credit cards often offer more opportunities for. Gold is 90K + 20% back. Best Chase Credit Cards. The offer expires on January 1, 2024, and like all Amex Offers, it’s usually. You’ll find a variety of welcome offer bonuses for the Amex Gold card, depending on how and when you apply. I only goes one way. Information independently collected and not reviewed by Capital One. First Year Fee: Rs. Welcome Offer. American Express offers credit cards and charge cards mostly focused on luxury travel benefits, high-end rewards, and premium customer service. Reward point caps. 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. 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. APR. 60,000 plus applicable taxesWhile The Platinum Card® from American Express is a lucrative, premium card in and of itself, you can also share its perks with authorized users. Image Credit: American Express. Foreign transaction fee: None. my. Representative APR: 31. American Express® Gold Card: Best for dining rewards. For months seven through 12, you'll earn 10,704 Membership Rewards points if you use the Amex Gold (at 4x return). Amex Platinum Quick Facts. 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. Some cards offer rewards in the form of cash back. Gold Card Members can add up to five Additional Cards without an annual fee. 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. Cardholders can make up. You'll get a higher earn with both of those at a smaller amount of AF. 42%). American Express® Platinum Travel Credit Card. Earn $300 after spending $3,000 on purchases in the first 3 months. With the Blue Cash Everyday Card, new cardmembers can earn a. $695: Capital One Venture Rewards Credit Card: Earn 75,000 miles when you spend $4,000 on. supermarket purchases (up to $25,000 per calendar year, then 1x). Nectar American Express – £120 in Nectar. Step 3: Choose your desired airline or hotel transfer partner and select Transfer Points. S. With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U. 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. American Express Gold Credit Card : 1 Membership Rewards Point for every Rs. The Amex Platinum has a much higher annual fee: $695 compared to $250 for the Amex Gold card. 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). Whether you want to collect Membership Rewards® points, travel the world or enjoy exclusive curated experiences, Amex makes it all possible. Capital One Savor Cash Rewards Credit Card. The Amex Blue Business Plus card is arguably the best no-annual-fee business credit card you can have. American Express® Business Gold Card. In the past, Schwab used to have a 2% cashback card, which they replaced with the 1. Amex Platinum card — Ultra-premium. 5% cash back on all purchases. This bonus is worth roughly $402, according to WalletHub’s calculations. Both cards have annual statement credits that can help offset their annual fees. Why you might want a different cardAmerican Express Business Platinum Card basics. MARTIN DIMITROV/GETTY IMAGES. AmEx Gold vs Citi Custom Cash. The Amex Blue Business Plus card is arguably the best no-annual-fee business credit card you can have. Earn 1,000 Bonus Membership Rewards® Points for simply using your Card 4 times on transactions of Rs. I am finding it real hard to make a case to keep this card open in 2023. supermarkets on up to $25,000 per calendar year in purchases, then 1x. 24%-29. Welcome bonus offer. supermarket purchases per year for a total of $360. Amex Gold benefits. I’ve been using this setup for a while now. I recently swapped over from my bank's card to the AMEX gold and have to say the main reason. 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®. online retail purchases, on up to $6,000 per year, then. The card will set you back $250. Rewards Cards. 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. Card Highlights. The American Express Gold Card is worth it for users who love dining out or have a habit of spending generously at U. This is an easy win for the Gold card. Platinum cardholders usually earn more rewards points per $1 spent than gold cardholders. streaming subscriptions. American Express also. Introductory Bonus Offer. 0. 1,000 plus applicable taxes Second Year onwards: Rs. No rebate cap. 10% cash-back for Uber Eats purchases. Our Favorite Benefits of the Amex Platinum Card. 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. S. 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 Platinum Card from American Express. 2x miles on other purchases. 49% variable. American Express Gold Card. S. Platinum spending example. supermarkets. 8% APR variable. Intro APR: None. You can repeat this offer 3 times, for a total of $15 back. Blue Cash Preferred® Card from American Express. Points values tend to get closer to the 1. As you can see, the Freedom Unlimited card earns at least 1. The card's $695 annual fee, which increased from $550 in 2021, is among the highest in the industry. Platinum Cashback Everyday Credit Card. 2 cents average point valuation: With the American Express Gold Card, you would earn. Image Credit: American Express. No, but you can use the Amex Platinum card’s rewards to get cash-back by covering charges with points. S. 3 WalletHub Rating Apply Now Rates & Fees credit card. The good news is, Amex Platinum cardholders have access to up to $300 a year in statement credits when they use their card on the Equinox+ digital fitness app or eligible Equinox club memberships. Blue Cash Everyday® Card from American Express - best for cash-back beginners. Platinum; Feature: Gold: Platinum: Annual Fee: $250: $695: Reward Points: 90,000 after spending $4,000 in first 6 months: 150,000 after spending. Credit Recommended. 4% return on spend. 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. Blue Cash Everyday® Card from American Express: Best no-annual-fee card. 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. You just can't change miles into cash back. spooky1054025 • 3 yr. Welcome bonuses on the Amex Green, Gold and Platinum. Each Cash Back Credit Card offers competitive cash. Buying food, use gold, that simple. I had the Amex Gold card since 2019 and back when the $100 travel credit was offered to help offset the annual fee. Best Capital One Credit Cards. 99 a month. I've simply removed the bonus 2. In contrast, the BofA is also limited to $2500 per quarter in bonus category spend. If you want a similar card that doesn’t charge an annual fee, then the Amex Blue Cash Everyday card is the perfect option. 5 - 0. Earn 180,000 points after spending $6,000 in eligible purchases within the first 6 months. Welcome bonus: 80,000 Membership Rewards Points after spending $8,000 on purchases on the card in the first 6 months of card membership. Our Favorite Benefits of the Amex Platinum Card. 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). You'll now see a large number of tiles outlining each of your card benefits in full. The American Express® Gold Card (Terms apply. 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. 5% “cash-back,” which is actually an early payment discount. I only goes one way. supermarkets on up to $6,000 per year in purchases (then 1%). Points & Rewards. 5 cents to 1 cent per point. Darren Murph. Representative 88. 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. Gift cards. Cash back rewards. 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. An. American Express also. The Platinum Card annual fee. supermarkets (on up to $6,000 per calendar year, then 1%). Welcome Offer. 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. American Express® Gold Rewards Card. The Amex Platinum card earns 5 Membership Rewards Points per dollar for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year, 5 points per. 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. However, the Cash Magnet is a main line Amex card, so it would be easy for Amex to change it. 5% cashback card. supermarket spend are capped at $25,000 per year in purchases, then spending in that area earns 1%. Share your Benefits. 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. The Amex Gold offers two different credits that are worth up to $120 each per year. Capital One Quicksilver; Capital One Quicksilver vs. Image Credit: American Express. S. (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. Johnson - Finance Expert. 60,000-point welcome bonus after spending $4,000 in the first 6 months of card membership. Say you use your American Express Gold Card and spend $200 dining out and another $500 on groceries. 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. 49% to 27. Terms apply.