Terms apply. Supermarkets: 3% cash-back on up to $6,000 in purchases each calendar year, then 1%: 4x points on up to $25,000 in purchases each calendar year, then 1x: Restaurants: 1% cash-back: 4x points: Select Travel: 1% cash-back: 3x points on flights purchased directly from the airlines and on Amex Travel: U. The 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. Welcome bonus: 80,000 Membership Rewards Points after spending $8,000 on purchases on the card in the first 6 months of card membership. Read our comparison chart below. 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. There is no difference between the Amex Gold card and the Amex Rose Gold except for the color you choose. 4 Min Read 16 NOV 2023. Affinity credit cards. The fact that you don't have to have one card for groceries and one for restaurants makes it that much better. THE POINTS GUY. Here is the earning structure on this card:This card is great for those who want to earn cash-back with U. Amex Gold isn't a travel card, it just earns rewards that have the most value when used for travel. See rates & fees) offers solid value for most travelers. You'll now see a large number of tiles outlining each of your card benefits in full. streaming subscriptions. $250. It earns 1x on all other. £1,000 – £0 Cashback Everyday vs £8 BA Amex. The Platinum Card from American Express. 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. The free MR card is also a decent option if you want to go this route. Hot Tip: Check out our complete guide on the best credit cards to use for Airbnb and VRBO stays. supermarkets, U. Make a transaction in month 15 to earn another 25,000 points. In the publicly available rewards card space, The Platinum Card® from American Express is considered the cream of the crop. Points values tend to get closer to the 1. 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). But there’s a fork in the road in terms of statement credits. 4% cash-back on dining, including restaurants, cafes, bars, lounges,. 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. I had the Amex Gold card since 2019 and back when the $100 travel credit was offered to help offset the annual fee. See rates & fees) offers solid value for most travelers. Our quick take : The Platinum Card® from American. If you haven’t already, you will need to link your frequent flyer account to your Membership Rewards account. American Express® Gold Card. The current public offer is: Earn 60,000 points when you spend $6,000 on purchases in the first 6 months. Blue Cash Preferred. No minimum spend. supermarkets (up to $25,000 in. 3X points on airfare booked directly through the airline or through Amex Travel. Earn Points. 5 cents to 1 cent per point. 24%-29. American Express Membership Rewards® Credit Card. Cardholders can also earn an initial bonus of. Our Verdict. Not a Cardmember? Start your journey today by applying below. S. APR on purchases will be a variable rate, 20. Earn 80,000 Membership Rewards points after spending $8,000 within the first six months of card. S. Julian Kheel. You're still going to earn 3K MR points while spending £3K as well. Overall, the Gold will be earning an extra 2. $250 (Rates & fees) The Platinum Card ® from American Express. Learn More. For months seven through 12, you'll earn 10,704 Membership Rewards points if you use the Amex Gold (at 4x return). The American Express® Gold Card has a $250 annual fee. Cash back rewards. It's only 0. Points & Rewards. Both cards have annual statement credits that can help offset their annual fees. While the Amex Green Card also includes the same 90-day benefit, you're capped at $1,000 per claim and $50,000 per year. The Amex Platinum Cashback Everyday card pays you 5% back on your spending in the first three months, to a maximum spend of £. 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. 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. Cashback is a credit card benefit that allows you to earn money back on things you buy with the relevant card. 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. 2x points on eligible travel. 99% on cash advances. Nectar American Express – £120 in Nectar. Explore the Power of American Express® Cashback Credit Card. Follow it up with Schwab Plat (60k). 5p to perhaps 1p, unless buying business class tickets wholly with points). The Platinum Card® from American Express: Premium travel and lifestyle benefits, including airport lounge access, airline fee credits, and Uber Cash. Spend $700 or more, get $140 back with this Amex Offer. The Amex Gold credit card hedges out the Amex Platinum by a small margin when it comes to the welcome bonus. S. 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). The Amex Blue Business Cash. Some cards offer rewards in the form of cash back. If you can’t make use of the Amex Gold credits, the card is probably not for you. ). The first is an Uber Cash benefit and the other is a Dining Credit that can be used. If you are a frequent traveler looking to upgrade your experiences, the Amex Platinum could be a great choice to add to your. Get rewarded for being you with a world of endlessly versatile rewards, travel perks, money off at Deliveroo and exclusive access to experiences. American Express Membership Rewards® Credit Card. 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. You can repeat this offer 3 times, for a total of $15 back. Whether you want to collect Membership Rewards® points, travel the world or enjoy exclusive curated experiences, Amex makes it all possible. 00% introductory interest rate on Cash Advances for the first 10 months (12. For the rates and fees of the. $250: The Platinum Card ® from American Express: Earn 80,000 points after spending $8,000 on purchases in the first 6 months. 1 Plus no annual fee in the first year. S. Get to know your Preferred Rewards Gold Card® Benefits . Welcome. BocciaChoc • 53 • 3 yr. American Express Gold Credit Card : 1 Membership Rewards Point for every Rs. If you spend more than $6,000, you get 1% thereafter, bringing the average below 4. com Both the American Express® Gold Rewards Card and The Platinum Card® from American Express fall into Amex’s category of travel cards with substantial perks—but they have distinct. 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. AMEX Gold gives 1% more back for groceries/restaurants. Card type: Travel: Travel: Credit card issuer: American Express: American Express: Annual fee $ 0 intro annual fee for the first year, $99 per year thereafter. 7% cash back — 3% plus additional 4% — on transit purchases and at gas stations; 5% cash back — 1% plus additional 4% — on everything else; And business owners can take advantage of this latest referral bonus offer as well, with plenty of opportunities to earn rewards. With the Amex Gold, you get 4X points on up to. supermarkets on up to $6,000 per year in purchases (then 1%), 6% cash back on select U. Cash – You can elect to have your cash-back deposited into your bank account or applied as a statement credit. S. Image Credit: American Express. 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. By using all. Blue Cash Everyday® Card from American Express - best for cash-back beginners. The rates and fees of the American Express Business Gold Card include: Annual fee: $295. Which is better: Amex Gold or Platinum? Amex Gold is cheaper at $250 annual fee per year. Earn 95,000 points after spending $6,000 within the first 6 months. online retail purchases, on up to $6,000 per year, then. Although the Amex Gold Card charges a $250 annual fee, it's possible to get much more value than that each year between statement credits, perks, and bonus points. 99% on purchases, 21. 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. It can earn 2x miles on Airbnb and Vrbo bookings, as this card earns 2x on all eligible purchases. Maybank has announced a revision to the card benefits of its Maybank Islamic Ikhwan American Express (Amex) Platinum credit card-i, soon allowing cardholders to earn 8% cashback of up to RM100 per month on online spend. Thus, on earnings. Welcome bonus: Earn 40,000 bonus miles. You'll also gain access to Chase Offers with the card. The Platinum Card® from American Express has an annual fee of $695. While the issuer. 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. 2 cents per point, which means that the 90,000-point bonus offer is worth. You won't get an intro bonus if you've had a personal (not business) Amex in the last two years. APR. 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. Membership Rewards on the American Express® Gold Card can be worth 1 cent each when used to book select travel through American Express, while other travel bookings will only yield 0. There isn’t another card on the market that offers a 1-2 punch like this. The current public offer is: Earn 60,000 points when you spend $6,000 on purchases in the first 6 months. supermarkets on up to $25,000 in Card purchases a year. American Express ® Gold Card: Earn 60,000 points when you spend $6,000 on purchases in the first 6 months. Amex Platinum Quick Facts. I only goes one way. 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. Annual fee. With the Delta SkyMiles Gold, you would earn 64,064 miles—worth approximately $768. 60,000-point welcome bonus after spending $4,000 in the first 6 months of card membership. Earn 1,000 Bonus Membership Rewards® Points for simply using your Card 4 times on transactions of Rs. 5 cents to 1 cent per point, depending on the merchant. A sign-up bonus. Enjoy dining and on-site hotel experience credits. 17 grams. Offer ends 9 January 2024. 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. *Applicable to Cardmembers with Cards issued starting September 1, 2022. Sapphire for travel purchases. From oat lattes to overdue lunches, and from cat food to car tax, everything you do is an opportunity to rack up the rewards. 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. 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. The annual fee on the Platinum card comes in at $695 – one of the highest on the market. Amex Platinum card — Ultra-premium. Blue Cash Everyday® Card from American Express: Best no-annual-fee card. Although this rule covers all Amex cards, you can earn a welcome offer on personal and business cards of the same type. Annual fee: $250. For months seven through 12, you'll earn 10,704 Membership Rewards points if you use the Amex Gold (at 4x return). 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. 24% to 28. 1,000 plus applicable taxes Second Year onwards: Rs. 4,500 plus applicable taxes. No minimum spend. With the Blue Cash Everyday Card, new cardmembers can earn a. Essentially, if the platinum gives me £50 cashback, but the Amex Gold points gives me £60 worth of amazon/boots vouchers or whatever, I'd rather have the latter. Both The Platinum Card® from American Express and the Delta SkyMiles® Reserve American Express Card offer welcome bonuses for new cardmembers. 99% on purchases. Upgrade to the Platinum Card®. 50 spent with the card. There are 3 new limited-time Amex Offer is available on targeted accounts: $120 statement credit after spending a minimum of $800 in one or more purchases online at Dell. Each Cash Back Credit Card offers competitive cash. Best American Express Credit Card for Cashback. ; 4 points per dollar on restaurant purchases, whether you choose takeout or delivery in the U. Think about which rewards match best with your spending habits and can save you the most money. S. Welcome bonus: 120,000 Membership Rewards points after spending $15,000 on eligible purchases in the first three months of card. A Gold card's annual fee is $250 per year; the Platinum card's annual fee is $695. 0% variable. The American Express Gold Card offers plenty of ways to earn points – including 4 points per dollar spent at U. Best two-year value: The Platinum Card® from American Express. The Amex Platinum has a much higher annual fee: $695 compared to $250 for the Amex Gold card. 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 Gold vs Citi Custom Cash. Welcome Bonus Earn $250 Annual Fee $0 intro annual fee for the. Winner: The Platinum Card. *Average value based on Fine Hotels. In many cases, this will be $8,000 or $10,000. All in all, the benefits with Gold are good. If this describes you, the Gold Card offers more than enough. The Amex Blue Business Plus card is arguably the best no-annual-fee business credit card you can have. Cash back rewards. S. With the Amex Platinum card, coverage is. 99% after that; annual fee $29). $250. 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. Capital One Quicksilver; Capital One Quicksilver vs. supermarkets, select streaming services, U. American Express Gold vs. 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 ). S. Pros of premium credit cards: These cards have. Annual Fee. 60,000-point welcome bonus after spending $4,000 in the first 6 months of card membership. You can also see a full list of participating international banks in this transfer bonus. For example, you could receive a cashback yield of 0. Share your Benefits. The American Express® Gold Card offers a variety of benefits, including dining credits, Membership Rewards points, Uber Cash and preferred access to premium. Julian Kheel. 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. Annual fee: $695. For many, this is the best credit card to own thanks to its combination of good cashback and low income requirements. The Gold Card’s rewards on U. Platinum 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. 25% Gas), with PH Preferred Rewards. The Amex Blue Cash Preferred card earns bonus cash-back on transit, including tolls, buses, trains, parking, and more. 2 cents average point valuation: With the American Express Gold Card, you would earn. The American Express Gold Card offers plenty of ways to earn points – including 4 points per dollar spent at U. Delta SkyMiles® Reserve American Express Card - best for sky club access. Total two-year value: $1,486. Nectar American Express – £120 in Nectar. It’s typically a percentage of a transaction that’s credited back to you as a loyalty reward. 4% return on spend. The personal Gold card is now offering SUBs as high as 90K plus a $250 dining bonus. 7% APR variable. The earning rate of 4 Membership Rewards points per dollar at restaurants and U. Earning: Over 3% returns on travel or other common bonus categories. There's an initiation fee of $10,000, along with an annual fee of $5,000. Based on TPG's valuation of 2 cents each for Membership Rewards points, the welcome offer for the Amex Gold is worth $1,200. Foreign transaction fee: None. £2,000 – £0 Cashback Everyday vs £16 BA Amex. Most business owners know that the key to success is having a good, solid plan. The AMEX Gold on the other hand was repositioned as the "baby Platinum" card. Based on Bankrate's latest point valuations, this welcome offer could be worth around $1,200, which gives Amex points a value of around 2. Image Credit: American Express. *Up to a maximum of Php2,500 worth of bonus cashback. once you have an Amex that’s the best you can expect). 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. S. 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. The American Express ® Gold Card is a game-changer. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit. American Express Gold Card. The Platinum Card from American Express. The card earns 6% cash back at U. If you spend a lot on. For starters, the Amex Gold card offers 4 points / $1 spent at spent at restaurants worldwide (plus takeout and delivery in the U. 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. 5%. An. If you only travel a few times a year, the American Express® Gold Card could be a better fit. 8-2 cents each as long as you don't use them on things like gift cards or paying for purchases etc. Amex Offers —. Explore your American Express Card Benefits and enjoy shopping rewards, travel benefits and insurance protection just for being a. American Express Cash Back Credit Cards allow you to earn a percentage of the dollar amount of every eligible purchase, made during each billing cycle. 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. With the card, you’ll earn: 3% Cash Back at U. American Express Gold Card. Here’s a few different. Updated 10:10 PM EDT, Mon November 13, 2023. Some cards offer rewards in the form of cash back. Complimentary DoorDash DashPass and $5 monthly credit. 95 to $24. The card earns 4X points at restaurants and 4X points at U. S. 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). Scroll until you see "$240 Digital Entertainment Credit. 2x miles on other purchases. The American Express ® Gold Card is a game-changer. The rates and fees of the American Express Business Gold Card include: Annual fee: $295. 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 ). The card will set you back $250. 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. Marriott Bonvoy Brilliant ® American Express ® Card. 4 points per dollar on supermarket spending, on up to $25,000 in purchases each year. So you could look at it as getting a small rebate on your spending. 5K points on the Gold card earnings to. If Schwab still had the 2% cashback card, I would go for that. The American Express Platinum Card comes in different flavors. 19. The Business Platinum Card® from American Express. streaming subscriptions, transit, and U. Best Discover Credit Cards. 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. Delta Gold Amex vs. Our top pick for the best rewards card, the Amex Gold rewards your food purchases — whether you're eating at home or dining out. For example, you can use the Amex Platinum to earn 5 points per dollar spent on flights (on up to $500,000 in purchases each calendar year) and the Amex Gold to earn 4 points per dollar spent on dining at worldwide restaurants and groceries at U. American Express® Gold Card: Earn up to 4x points on dining and U. 4% for groceries. Blue Cash Preferred® Card from American Express - 6% cash back on up to $6,000 in purchases per calendar year; then 1%. S. S. First Year Fee: Rs. Blue Cash Preferred® Card from American Express. The Amex Gold Card is a midtier card with a price point to match, which places it a notch below a true premium card, like The Platinum Card® from American Express which carries a $695 annual fee. Chase Sapphire Preferred® Card - best for dining and travel. 5 Things to Know About the Charles Schwab AmEx Platinum. 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. Annual Fee: Rs. Related: Card showdown: Amex Business Gold vs. 3** Earn 2% cash back on eligible gas purchases in Canada,. Step 2: Select Transfer Points under Redeem. If you don’t currently have the Amex Gold card, all you have to do is select it. Platinum Cashback Everyday Credit Card. Compare the following: You could earn thousands of extra points each year by using the right card for each purchase. $0 intro annual fee for the first year, then $95. The Blue Cash Preferred Card currently offers a $250 statement credit after spending $3,000 in purchases within the first 6 months. The Gold Card has a $250 annual fee 1 and offers a number of accelerated points-earning opportunities, especially for food lovers:. supermarkets on up to $6,000 per year in purchases (then 1%); 6% cash back on select U. If you can pay your rent by ACH or paper check, no reason to leave 2650+ points behind each month. There isn’t another card on the market that offers a 1-2 punch like this. Earn 5. You can use your Membership Rewards points to pay for online purchases with a number of retailers at a rate of 0. 4,500 plus applicable taxes. 18+, subject to status. The BofA PR Elite is a great backup VISA to my AMEX Gold when restaurants don’t accept. Further, the AmEx BCP's effective cashback rate could be lower than 4. That means an offer to earn 8% cash back is equal to earning 8 Membership Rewards points per dollar. American Express ® Gold Card: Earn 60,000 points when you spend $6,000 on purchases in the first 6 months. Welcome Offer. Christian_L7. 25). 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. 6. Downgrade the card to the Rewards card before you're in the second year. S. streaming subscriptions. Though it has an annual fee of $155. supermarkets, U. Amex reserves access to its Amex FHR program for. 20. 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. Then there are the less exciting fees. This bonus is worth roughly $564, based on TPG's most recent valuations. Welcome bonus: 80,000 Membership Rewards Points after spending $8,000 on purchases on the card in the first 6 months of card membership. 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. Best Citi Credit Cards. When you redeem points through American Express’ Membership Rewards gift cards portal, you’ll get anywhere from 0. No rebate cap. It has an annual fee of $699 but they're offering a 60,000 signup bonus, which essentially means a $99 annual. American Express® Gold Card: Best for dining rewards. $695 annual fee. $ 250. There is a big difference in annual fees. Apply Now. Rates & Fees winner The Platinum Card® from American Express Sponsored Card 707 3. American Express® Gold Card - best overall dining card. American Express maintains a strict rule of one bonus per card for life regardless of the family of cards (cobranded hotel and airline, business, cash-back and rewards cards ). Capital One Savor Cash Rewards Credit Card. The Amex Business Gold comes with an annual fee of $295 ($375 if application is received on or after 2/1/24), while the Amex Business Platinum includes a much higher annual fee of $695. 4x points on all food = 8% off all food. Add a Supplementary Cardmember now and they can start earning points on your Account and enjoy many of the benefits. As anyone familiar with premium travel credit cards. In addition, selected transactions are eligible for up to 3x TreatsPoints for every RM1 spent. 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. This welcome bonus is smaller than the Platinum Card’s, but that annual fee is only $250 (See Rates & Fees). 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. Compare Cashback Credit Cards. Compare Rewards Credit Cards. A general guide is to use the Platinum and. gas stations. ; Plus, earn 30,000 points when you. However, with only a 1x earning rate, you'll earn a measly 2,676 points. The Platinum card will make sense for those who can take advantage of the card's perks and credits — and buy a lot of flights to maximize the earning categories. Both the American Express® Gold Rewards Card and The Platinum Card® from American Express fall into Amex’s category of travel cards with substantial. Learn more about these cards by reading the reviews linked below: Delta SkyMiles® Blue American. The Amex Platinum card offers just 2 bonus categories for flights and prepaid hotels booked through Amex Travel. Amex Offer for MGM’s Luxury Hotels. The Amex Gold annual fee is $250, while the Amex Blue Cash Preferred stands at $95. American Express® Platinum Travel Credit Card. 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. Either sub is great, there's no wrong choice here. $695: Capital One Venture Rewards Credit Card: Earn 75,000 miles when you spend $4,000 on. 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. Terms Apply. But at that point there's better no AF cards for purely cash back. Looking to get a credit card to obtain discounts on my dining. Best Cash Back Credit Cards of November 2023. You will receive a statement credit or bonus Membership Rewards points within 90 days. Introductory offer: 5% cashback on purchases (up to £100) for the first 3 months. 3X points on airfare booked directly through the airline. With the Preferred® card you have tiered-rewards earning of 6% cash back at U. You could also be targeted for a higher bonus through the CardMatch tool (although offers through CardMatch are not. First-year value: $1,262. 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 points are worth 1. Variable APR: 19. 24% based on your credit score and other factors at the time you apply for an account.