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The Platinum Card from American Express will pamper you with luxury. 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. While credit card exchange rates normally also include . Entertainment Access. 4 Membership Rewards Points per dollar spent at U.S. supermarkets. The Amex gold for example offers 20k bonus miles sign up when spending 2k in three months. 2021.10 Update: New benefit [Complementary Walmart+ membership]: Pay your Walmart+ membership with your AmEx Platinum card, and you will get full credit back ($12.95/month).. 2021.9 Update: The cash out rate is changed from 1.25 cpp . While the Amex Gold Card has a higher annual fee of $250 (see rates and fees) vs. the $100 annual fee on the Amex Green Card (see rates and fees ), it's still less than half of The Platinum Card from American Express. The Amex Platinum offers 5x Membership Rewards points: On flights booked directly with airlines. American Express earns 30% more per $1 spent than ANZ, Kiwibank or Westpac's Platinum cards. It's free and will help you optimize your rewards and savings! Category Winner: Amex Gold card legal (external) No fee. Visa and Mastercard are accepted at roughly the same number of retailers domestically (99% for both) and internationally (210+ countries and territories for Visa vs. 200+ for Mastercard). Another one of the excellent Amex Gold Card benefits is the ability to earn 4 points per $1 at restaurants. By offering airport lounge access and all sorts of travel credits, the card will help you enjoy a much smoother trip. Every calendar year, you'll receive up to $120 in dining credits. Adjust yearly, monthly, or weekly spending and see how quickly the points can add up. Earn 4 points at restaurants. How you use Membership Rewards points is up to you. . When it comes to premium travel cards, few are as recognized as The Platinum Card from American Express. That said, if you're an extremely frequent traveler and use airport lounges on a regular basis, it's worth getting a credit card with free Global Lounge Collection access. The Preferred Rewards Gold Card is all about simplicity and no hidden surprises As such, you'll earn Membership Rewards points at the following rates: 3 points per 1 spent directly with American Express Travel; 2 points per 1 spent directly with airlines and for any purchases in currencies other than GBP; and. When redeemed at a rate of 1 cent per point, you'll have accrued $292.64 in total rewards value. Lounge passes need to be earned with ANZ and Kiwibank, with both . That's $200 to spend at over 100 restaurants in Australia, and up to $200 at over 1,300 restaurants in 19 countries overseas. A Medallion Member traveling in Delta Comfort+, Main Cabin or Basic Economy between the U.S./Canada and any International destination can check one additional bag up to 50 lbs. Use the AMEX points Value Calculator to determine the cash value of Membership Rewards Points based on redemption. Lounge access, a popular feature of higher-end Airpoints cards, is free with American Express (four passes per year pre-loaded, although these are international lounges and not Koru). Some cards have bonuses for dining and others for U.S supermarket. Last Updated 2022-04-15 Terms apply to American Express benefits and offers. If you're spending over $500 on a premium travel . Use our credit card interest calculator to see how much interest you would be charged per billing cycle. Lemonade's CEO, Daniel Schreiber; Personal Capital's CEO and VP; Bank Novo's CEO, Michael Rangel . At $695 a year, the Amex Platinum annual fee is no chump change. But the American Express Green Card is the least expensive of the bunch, which might make it more compelling for some. 0.10%. (Photo by Eden Batki/The Points Guy) Now let's look at the Amex Gold's credits. So Amex Gold is the clear winner in this category. 4x back on groceries and dining you're getting 96,000 - 144,000 MR points a year (based on $2-$3K monthly spend). With each SkyMiles point worth around 1.3 cents each, the bonus miles alone between the two cards compensate for the difference in annual fees, assuming you reach the minimum spending requirement. Yes get the Gold!! It also offers a number of lifestyle perks that could appeal to consumers with high-end tastes. On flights booked through Amex Travel. The rate has gone as high as 6.22% and as low as 4.50% for the past 52 weeks. American Express Business Gold Card: 25% rebate (up to 250,000 points per calendar year) If you have the Business Platinum card, that 35% rebate amounts to a valuation of 1.54 cents per point. The Platinum Card from American Express Point Calculator While this premium rewards credit card charges a $250 annual fee, several Amex Gold benefits make paying this fee well worth it. Input the amount you would like to Pay Over Time Input the number of days you would like to revolve a balance Select the APR that applies to your account Prime Rate + 10.99% Prime Rate + 14.99% Prime Rate + 18.99% Neither Amex Gold nor Amex Platinum has a foreign transaction fee. Regular APR. It is not based on your personal creditworthiness or other factors. Membership Rewards Points Calculator See how your spending can earn you rewards Estimate your spending and rewards with American Express. 12 Months. Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards immediately after the first $300 is spent on travel purchases annually. Head over to your Amex online account and navigate to the Benefits tab. The Amex Green Card gives you a good . Includes a monthly plan fee of $4.15. If you spend this same amount at qualifying locations with the Amex Gold, you'll earn 29,264 Membership Rewards points. Buy vs. Or call us at 800-297-8017. 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). For these kinds of tickets, MQDs are calculated as one-fifth of the "redeemable miles" you earn for the ticket. It is, though, offset by. The Delta SkyMiles Platinum American Express Card charges a $250 annual fee and the Delta SkyMiles Gold American Express Card charges a $0 . The Business Platinum Card: 35% rebate (up to 500,000 points per calendar year) . Unlike the A mex Gold card, which is free for the first 12 months, the UK American Express Platinum card comes with an annual fee of 575. A few things to note about the 5x points on airfare purchases: You're capped at earning 5x points on up to $500,000 in flight purchases per calendar year (which shouldn't be an issue for a vast majority of . Are paid class or seat upgrades included in MQDs? Reserve Amex Gold Vs. Because at $695, a single Amex Platinum annual fee would cover Amex Gold's first two yearly membership fees (at $250 a pop) - and then some. The American Express Platinum card has a pricey annual fee, at $695, but it is worth the cost for people who earn the card's initial bonus (100,000 points for spending $6,000 in the first 6 months) and take advantage of its assorted benefits. The information provided in this chart can help you compare point redemption values and find the redemption options that suit your needs. The AMEX Trifecta has a combined fee of $945 annually while the Chase Trifecta has a combined fee of $645 annually. If you carry a classic American Express Green, Gold, or Platinum charge card, or any other credit card that has "no pre-set spending limit," you . This math is made explicit when booking a flight or hotel while . Few cards on the market today come with as many perks and benefits as The Platinum Card from American Express and the American Express Gold Card. Membership Rewards Points Calculator. Dining Rewards. Definitely less than 100, more like 50-100. 4X Restaurants This means there's no need to re-enter spend when jumping to other credit card pages on the site. The value of Membership Rewards points varies according to how you choose to use them. Amex credit card offers require at least good credit for approval, have annual fees ranging from $0 to $550+, and are known more for attractive rewards than low rates. The Platinum. Input your monthly and yearly spend into our AMEX Point Calculators to determine how many points you can earn and the cash value of those points. The Amex Platinum Card, for example, has a $695 annual fee (See Rates and Fees ), while the Amex Green Card's annual fee is just $150 (See Rates and Fees ). legal (external) 12.99% on purchases. For example, if you earn 1,500 "redeemable" miles on an exception fare, you would also earn 300 MQDs on that fare. Points FAQ How much are AMEX Membership Rewards Points worth? This will give you an idea of how much your points are worth. All three of these AmEx cards carry annual fees north of $100. Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site. Enter any amount of AMEX points to calculate the dollar value. American Express Gold Card: 60,000 Amex Membership Rewards points after spending $4,000 in purchases in the first six months of account opening. Essentially, if the platinum gives me 50 cashback, but the Amex Gold points gives me 60 worth of amazon/boots . AMEX Trifecta For the AMEX Trifecta, The Platinum Card will cost you $695 annually and the American Express Gold Card will cost you $250 annually. The Amex Gold card's annual fee is $250 while, for example, the American Express Platinum card's is $695. American Express (a WalletHub partner) does sometimes offer 0% APR promotions, though. The American Express Gold Card is the mid-range option for those who wish to earn American Express Membership Rewards points. And with an interesting turn to luxury lifestyle and less focus on travel, some of these new benefits don't shine quite as bright. 6 Characteristics and Features Each metal has different trading characteristics. My SUB for Platinum was 100K for reference. Cash Back Rewards. This fee is refundable on a pro-rata basis should you wish to cancel. The Amex Blue Cash Preferred offers 6% cash-back on up to $6,000 in U.S. supermarket purchases per year for a total of $360. Basic Economy fares are excluded in both instances. Enter an estimated spending dollar amount per category below to calculate the points you could earn. for a total plan fee of $24.90. APY. Plus, some of the credits that come with the card will only be useful to people - potentially a limited number of people - interested in offers like fitness club and Walmart+ memberships. CD Term. You'll need to spend about $667 per month to qualify for the welcome offer, which could give you a healthy stockpile of rewards on top of your intro offer as you spend up to 16,000 points from. This calculator is an illustrative tool only. 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. An eligible purchase can include takeout and delivery . It could be well worth looking for a property in these portfolios and booking with The Platinum Card from American Express, as you'll receive benefits that will heighten your stay. It's this hefty annual fee that makes this one of the hardest cards to get your head around. The Platinum Card from American Express is a very good card for high-spending frequent travelers with credit scores of 700+. 6% Cash Back on select U.S. streaming subscriptions. Enter an estimated spending dollar amount per category below to calculate the points you could earn. per bag. Amex Offers. Explore all the possibilities and choose the rewards that are right for you. Roughly speaking. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Enter your balance and APR to see the charges. Total cost. Again, if you're able to fully take advantage of all the card's credits, that lowers the Platinum's effective annual fee to $50. But these perks don't come cheap: The Amex Platinum Card's annual fee is a steep $695. $0. The rates do tend to be quite low, however. But Amex's premium travel benefits - namely, lounge access - are truly second to none. New Amex Card Members who apply for the American Express Platinum Card and a spend $5,000 or more within the first 3 months of approval. Lease Calculator - Car; Close; MU30 In Person. Here's an overview of American Express National Bank's CD rates. Calculate the amount of points you could earn by inputting your weekly or monthly spending amounts. American Express Platinum Card for Schwab Review. The Amex Gold is one of the best-looking cards on the market, especially if you get the Rose Gold metal version. The annual fee on the Amex Gold card, however, is much higher. Tip: Use WalletFlo for all your credit card needs. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Membership Rewards points can be converted 1 to 1 into Avios. American Express Preferred Rewards Gold has a representative APR of 61.8% variable, including the annual fee, based on a 1,200 credit limit. Pros and Cons. Earn 60,000 Membership Rewards Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership. This is the most generous sign-up bonus generally available on any free UK loyalty charge or credit card - albeit that Amex Gold is only free for the first year. Scotiabank Value Visa* Card. The American Express Platinum card exchange rate is American Express's exchange rate on the date you make an international purchase. 6. On May 19, 2008, platinum traded to a modern-day high of $2,182 per ounce. This card is intended for the utmost luxury with perks aimed at frequent travelers and top value offered at hotels and flights. The Amex Platinum is one of the most valuable cards available, thanks to a hefty welcome bonus and a long list of luxury travel perks that can more than offset its $695 annual fee (see rates and fees ). Explore your options from Schwab and American Express. That means that your 50,000 points would be worth $770. Grocery Rewards. The Platinum Card from American Express: 100,000 Membership Rewards Points after you spend $6,000 on purchases within the first 6 months of account opening. The Amex Platinum currently carries an annual fee of $550, certainly not a bargain by any stretch of the imagination. Credit Card Rewards Calculator Calculate points and the cash value of the AMEX Platinum Card by inputting your monthly or yearly spending amounts and compare alongside other cards. 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. The current interest rate for an FHA 30-year loan is 6.04% compared to 5.96% a week ago. Platinum Chase . American Express exchange rates change on a daily basis, but they do not make their exchange rates public. However, there are no hard cut-offs for either of these requirements as will be shown below. Annual Fees and Authorized Users. credit score 690-850 (Good - Excellent) See your approval odds Apply now on. The Platinum Card from American Express - learn how to apply; Annual fee of $695 waived for US military personnel and spouses; Best Ever Public Offer: Earn 100,000 Membership Reward Points welcome bonus (valued at $2000+) when you spend $6000 in the first 6 months; Earn 5x points on airfare booked directly with airline or on amextravel.com up to $500,000 per calendar year You can calculate the cash value of the AMEX Gold alongside up to two other credit cards from any issuer. Rates are accurate as of Oct. 6, 2022. Just simply move the slider or input amounts for each category and watch how quickly the points can add up. Payments of. 2022.3 Update: The +10x on restaurant and shop small part of welcome offer is expired.The current offer is 100k. The representative interest rate of purchases, and in the first year when there is no annual fee, is 26.0% APR variable. Most people get the Amex for the bonus offers and then use them for airmiles. Add up to 3 additional authorized users for an additional $175 total. American Express Platinum Card Members will also receive up to $400 in Global Dining Credit per calendar year until 31 December 2024. Your actual plan options and fees will be presented to you when you create a plan. $695 annual fee. The benefits that each network offers are slightly different, with Mastercard offering a higher level of benefits with its World Elite card offerings. show more legal info (external) legal (external) $29. If you travel by air a lot every year, either domestically or internationally, the American Express Platinum card carries strong advantages and benefits. You can earn 100,000 Membership Rewards points after spending $6,000 in purchases on your American Express Platinum Card for Schwab in your first 6 months of Card Membership. Visit americanexpress.com to learn more. . Membership Rewards Points Calculator See how your spending can earn you rewards Estimate your spending and rewards with American Express. Silver, Gold and Platinum Medallion members can get the MQD requirement waived by completing $25,000 worth of spending on the Delta Platinum Amex, Delta Reserve Amex, Delta Platinum Business Amex . It's also a rare credit card company that offers charge cards. Adjust yearly, monthly, or weekly spending and see how quickly the points can add up. Each day, buyers and sellers trade huge volumes of gold on world markets. Both . Close; In Conversation With. Leverage the Fine Hotels & Resorts Program and The Hotel Collection. Minimum Deposit. That said, the Amex Gold's perks still add a ton of value to the card. 6 Months. The Business Platinum Card from American Express Annual fee $695 Regular APR 16.49%-24.49% Variable APR Intro APR N/A Rec. Delta SkyMiles Platinum American Express Card Annual fee $250 Regular APR 18.74%-27.74% Variable APR Intro APR N/A Rec. Earn 3X Membership Rewards Points on Restaurants worldwide, including takeout and delivery. The information for the Amex Green Card has been collected independently by The Points Guy. (Photo by ra2 studio/Shutterstock) Amex Green vs. Amex Gold vs. Amex Platinum Each card has a different annual fee, bonus categories and welcome offer. 0.00% introductory interest rate on Cash Advances for the first 6 months (12.99% after that; annual fee $29). credit score 690-850 (Good - Excellent) See your approval odds Apply now. The Gold card is geared toward people who. 3 Membership Rewards Points per dollar spent on flights booked directly with the airline, as well as airfare booked through American Express Travel 1 Membership Rewards Point per dollar spent on all other purchases A Medallion Member traveling in Delta One or First Class can check up to 3 free bags at 70 lbs. over the standard cabin allowance. Cellphone protection (starting April 1, 2021). Terms Apply. The Platinum Card is a great option for maximizing your flight purchases, while the Amex Gold Card is the most rewarding at restaurants and U.S. supermarkets. American Express Auto Purchasing Program. That's especially true for cards with an annual fee. My dining/grocery spend so far this year has been just 2 months of your total and I even want the Gold, so for you this is an easy no brainer. These include up to $120 in Uber Cash and up to $120 in dining. Amex Gold offers 20,000 Membership Rewards points when you spend 3,000 within three months. 18.24%-25.24% Variable. The Amex Platinum will generally require a good to excellent credit score (720+) and a mid to high income. 12.99% on cash advances. Compare the results of any AMEX credit card side by side up to two credit cards from any issuer featured on the site. This is simple: American Express Membership Points are worth exactly 1 cent apiece when booking travel through the issuer's portal. No-fee basic Gold cards for authorized users (not the same as the Amex Gold card) ( rates and fees) $250 annual fee. The current welcome offer is 100,000 Membership Rewards points after you spend $6,000 on purchases in your first six months of card membership. $87.49. Up to $25,000 in purchases per calendar year; after that, earn 1x. Terms Apply. Granted, it has a much shorter list of benefits than the Amex Platinum. Estimate your interest charges. American Express Gold Card: Best for everyday expenses