Tuesday, January 31, 2023

What Is The Best Amex Credit Card

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For Westjet: Westjet Rbc World Elite Mastercard

Best American Express Credit Card For Beginners

Anyone who flies WestJet regularly needs to have this card. It gives free checked bags for the primary cardholder and any travelling companions on the same itinerary. Considering the cost of a checked bag starts at $25 each way, you can save quite a bit just by having this card. The welcome bonus is usually $250 in West Jet Dollars after your first purchase, but they often have promos where youll get $350.

The earn rate is 2% back in WestJet Dollars on WestJet flights and WestJet Vacations packages. And, 1.5% back on all other purchases. Thats an OK earn rate but not stellar. Since youre earning WestJet Dollars as opposed to getting actual cash back, youre limited to WestJet purchases when redeeming your rewards.

That standout feature of the WestJet RBC World Elite Mastercard is the annual companion voucher that starts at $119. When the primary cardholder purchases a full-fare, round-trip ticket from WestJet, they can use a companion voucher to purchase another ticket at a discount. That second ticket would cost you $119 plus tax and third-party fees to fly anywhere within Canada and the continental U.S., or $399 plus tax and third-party fees for travel to the rest of the WestJet network.

American Express The Platinum Card

If you like prestige, The Platinum Card is for you. This is one of Amexs premium offeringswhich means it comes with a hefty annual fee , but enough perks to make it worth the investment. With an earn rate of triple the points on dining out compared to other cards, and double on travel, youll be racking up rewards every time you order in, fill the gas tank, do the weekly grocery shop and more. The options for redeeming points are varied: Put them toward flights or hotel, with every 1,000 points equalling $10, via the Flexible Points Travel program using the Fixed Points Travel Programs travel chart to get potentially more value out of them transfer them to frequent-flyer or hotel-loyalty programs or even redeem them in the form of gift cards at premium retailers like Holt Renfrew.

The Platinum Card, as one might expect, comes with some serious benefits. It entitles its holder to American Express Platinum concierge services, a $200 travel credit thats renewed each year andperhaps the holy grail for frequent flyersairport lounge access. Youll be able to take advantage of Amexs highly coveted Centurion lounges as well as more than 1,200 Priority Pass lounges around the world, making layoversand even flight delaysa whole lot more bearable. And the welcome bonus is a good one, too. But, maybe the coolest thing about this card? Its made of metal instead of the usual plastic. This luxe detail, however, may make you want to flash your card more often.

American Express Gold Card: Best For Dining Rewards

Why we picked it: The American Express Gold Card has superb rewards for dining, shopping and traveling. Now available in rose gold, it earns 4X points at restaurants and Uber Eats purchases, and 4X points at U.S. supermarkets up to $25,000 in purchases per calendar year before converting to 1X. Furthermore, it earns 3X points on flights booked directly with airlines or through amextravel.com, making it a well-rounded card.

Pros: Cardholders can earn 60,000 points if they spend $4,000 in their first six months. Theres also an up to $120 annual dining credit at participating locations .

Cons: Theres a $250 annual fee .

Who should apply? Frequent travelers will get the most use of its travel credits and other perks, particularly Delta flyers who can transfer points to SkyMiles. Foodies will also enjoy the dining credits and Uber Eats subscription.

Read our American Express Gold Card review or jump back to this cards offer details.

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The Platinum Card From American Express: Best For High

Welcome offer: Earn 100,000 bonus points after you spend $6,000 on purchases on the card in the first six months of card membership. Plus, earn 10x points on eligible purchases on the card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during the first six months of card membership.

Select applicants may be targeted for an incredible 125,000- or 150,000-point offer by checking the CardMatch Tool .

Earning rate: Earn 5 points per dollar on flights booked directly with airlines or with Amex Travel , 1 points per dollar everywhere else.

Annual fee: $695

Why we chose it: The Amex Platinum was the original premium travel rewards card, although this landscape is now quite competitive especially since the annual fee is now $695 Nevertheless, the card does offer solid value that even a semifrequent traveler can appreciate. Additionally, unlike typical cards, the card allows you to carry a balance for certain charges, but not all. The $1,400+ in annual credits for prepaid hotels,Equinox,Clear membership, select digital entertainment programs, incidental fees on airlines and Uber trips effectively reduce the annual fee, and the earning rate on tickets booked directly with an airline makes it an attractive card for airfare purchases, especially given that TPG values Amex points at a solid 2 cents apiece. .

The Business Platinum Card From American Express

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Our pick for: Luxury perks for business travelers

Like the consumer version of this card, The Business Platinum Card® from American Express comes with a big annual fee. But business travelers who prefer to go in style will find plenty that appeals to them: high rewards on certain travel purchases, bonus rewards on larger non-travel purchases, a superb newcomer bonus offer, extensive airport lounge access, elite hotel status, hundreds of dollars a year in available credits and a list of perks as long as your arm. It’s not cheap, but luxury never is. Terms apply. Read our review.

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Amex Cards That Earn Transferable Points

Every traveler should have a card that earns transferable points to shield you from devaluations and give you flexibility when it comes time to redeem. Many American Express cards earn Membership Rewards points, which can be transferred to 19 different airlines, including British Airways, Delta and Singapore Airlines.

You also have the option to transfer your points to three hotel chains: Hilton, Marriott and Choice. You can use your points to book flights or hotels directly through Amex Travel, but transferring them to a partner and then redeeming them typically results in the best redemption value.

Mbna Rewards Platinum Plus Mastercard*

If you want the opportunity to earn travel rewards but dont want to pay an annual fee, we recommend the MBNA Platinum Plus Mastercard. As a new cardholder, you earn MBNA Points Earn 4 points for every $1 spent on groceries and restaurants and 2 points per $1 spent on other categories, up to $10,000 spent, after which the earn rate becomes 1 point per $1. This is a great opportunity to beef up your points cache, particularly with these frequently used earnings categories. Be aware that these rewards are capped annually at a maximum of $5,000 in each category. Spends over this amount will be rewarded at the regular 1 point per $1 rate.

Theres a 10,000-point bonus with this no fee card, which works out to about $100 in travel. Another major benefit to this card is that when you book travel with your MBNA points, you can book with any airline you wish. In addition to the usual purchase protection and extended warranty, car rentals with Avis or Budget may be discounted. Unfortunately, the MBNA Platinum Plus Mastercard doesnt have travel emergency coverage.

If youre looking for a travel credit card with the Visa badge on it and want a rewards program thats extremely easy to understand and flexible, consider the TD First Class Visa Infinite.

With the TD First Class Travel Visa Infinite, youll get 3 TD Rewards points for every $1 you spend on everyday purchases. Even better, you get 9 points per $1 when booking travel on ExpediaforTD.com and charging it to your account.

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Best American Express Cards

Who’s this for? If you’re whipping up a new recipe, refueling your car or streaming your favorite TV show, it’s a good idea to consider a card that rewards those purchases. The Blue Cash Preferred® Card from American Express is a great choice for anyone who regularly stocks up on groceries, drives or pays for streaming subscriptions since the cash-back program is tailored to those purchases.

Cardholders earn an industry-leading 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases and 6% cash back on select U.S. streaming subscriptions. Plus you earn 3% cash back at U.S. gas stations and on transit and 1% cash back on other purchases.

The list of eligible streaming subscriptions is longer than most cards and includes Netflix, Spotify, Disney+ and more. Learn more about how Amex classifies bonus category purchases.

In addition to rewards, you can take advantage of no interest on purchases for the first 12 months your account is open .

This card has a $0 introductory annual fee for the first year, then $95 , but it can be offset by the cash back you earn and discounts you can get through the Amex Offers. There’s also a no-annual-fee version, the Blue Cash Everyday® Card from American Express, which is the best no-annual-fee Amex card .

Delta Skymiles Gold American Express Card: Best For Airline Miles

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Why we picked it: If you are a frequent traveler of Delta airlines, this card is a great option as you earn 2X miles on Delta purchases, at restaurants worldwide and at U.S. supermarkets.

Pros: In addition to Delta, travelers have its large network of airline partners to choose from. Best of all, miles dont expire. Also, for a limited time within your first three months you can earn 70,000 miles after spending $2,000 in purchases .

Cons: The cards benefits are largely geared to Delta flyers, so be sure you patronize the airline enough to justify the $99 annual fee .

Who should apply? This card offers Delta flyers a quick way to beef up their SkyMiles while also saving on Delta flights, checked bags, and lounge access.

Read our Delta SkyMiles Gold American Express Card review.

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What Are Amex Membership Rewards

The American Express Membership Rewards program is a benefit that allows customers to accumulate points through purchases that you can then redeem for gift cards, travel rewards, immersive experiences, statement credit or even to cover recent card charges. Of course, youll almost always get the best value when you redeem these points for travel.

Related: The ultimate guide to Amex Membership Rewards

You earn points on most everyday purchases , and there are no expiration dates and no limit on how many points you can earn just use your card for purchases, large or small, and watch the points add up.

In the points and miles world, Membership Rewards points are considered one of the most valuable currencies around. They are valued at a respectable 2 cents apiece per TPG valuations.

American Express Green Card: Best For Beginner Travelers

Welcome offer: 30,000 Membership Rewards points after you use your new card to make $2,000 in purchases in your first three months.

Earning rate: 3 points per dollar spent on worldwide travel, transit and restaurants.

Annual fee: $150

Why we chose it: The Green from Amex is a great mid-tier card for beginner travelers. Amex expanded the bonus categories to include a wide range of travel purchases, including transit and home-share rentals, on top of traditional airfare and hotel purchases something other Amex cards have yet to do. The card also got some upgraded features, such as an up-to-$100 Clear membership credit and an up-to-$100 LoungeBuddy credit. Although the annual fee did increase to $150, this card has jumped to the top of some TPGers wish lists. Enrollment required for select benefits.

APPLY HERE American Express Green Card

The information for the Amex Green card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

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Bmo World Elite Mastercard*

Right now, this card comes with a sign-up bonus of up to 40,000 points. Those points have a value of $250, which is quite generous.

Another appealing aspect of the BMO World Elite Mastercard* is that the annual fee is waived for the first year. Normally, you would pay $150 for that fee, so in essence, your sign-up bonus in the first year is worth up to $400.

The four free annual airport lounge passes are good at any over 1,000 lounges that part of the Mastercard Airport Experiences by LoungeKey network, which is basically the same as having a Priority Pass. Furthermore, Mastercard is more widely accepted than some of the other card providers. You can use it to shop at stores like No Frills and Costco.

How Can My Aeroplan Credit Card Help Me Earn Aeroplan Elite Status

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The core, premium, and small business Aeroplan credit cards allow you to earn Status Qualifying Miles and Status Qualifying Segments for every $5,000 or $10,000 that you spend on the card.

These can help you qualify for Aeroplan Elite Status, although youd still need to complete a Status Qualifying Dollar requirement separately to qualify for each Elite Status level.

Also, your spending on your Aeroplan credit card can help you reach Aeroplan 25K status via the Everyday Status Qualification benefit by racking up 100,000 Aeroplan points through eligible sources every year. However, credit card signup bonuses wouldnt count towards Everyday Status Qualification.

Miles & Points

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The Blue Business Plus Credit Card From American Express

If youre in the market for a no annual fee business card, check out The Blue Business® Plus Credit Card from American Express.

You earn 2x Membership Rewards® points on the first $50,000 spent annually on everyday business purchases . Also, you can transfer your points to the 1:1 Membership Rewards transfer partners.

Expanded Buying Power gives businesses more ways to earn points and maximize their card. Cardholders can also enjoy more flexibility to use their card for more purchases and rewards when buying above their credit limit. The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors.

New The Blue Business® Plus Credit Card from American Express cardholders can earn 15,000 Membership Rewards® points after spending $3,000 in eligible purchases on the Card within their first 3 months of Card Membership.

Using the Blue Business Plus is a great way to earn 2x points on purchases your other cards only earn 1x points on. Check out our Blue Business cards review to learn more about the Blue Business card family.

Hilton Honors Surpass American Express Card

The Hilton Honors American Express Surpass® Card gives you a free weekend night certificate with at least $15,000 in annual card purchases. You also get Hilton Honors Gold status which lets you enjoy complimentary breakfast and space-available room upgrades . Its also one of the best Hilton Honors cards.

Earn 12x points for each dollar spent on eligible purchases charged directly with a hotel or resort within the Hilton portfolio. You also earn 6x points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations for each dollar spent on eligible purchases. Non-bonus purchases earn 3x points .

Another perk you may enjoy is 10 one-time Priority Pass lounge visits per year.

New The Hilton Honors American Express Surpass® Card cardholders have the ability to earn up to 180,000 bonus points! New cardholders can earn 130,000 Hilton Honors Bonus Points after spending $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership. Plus, earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.

The annual fee is $95 .

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Best American Express Business Credit Cards For Travel Rewards

When we look at all of the American Express Business credit cards, there isnt one that comes close to delivering more value for travelers than the Amex Business Platinum card.

Yes, it does come with a high annual fee, but it delivers value for the frequent traveler far beyond the amount of that fee.

Lounge access alone covers the cost, and when you add in $200 in airline credits, rebates on travel purchases, free Wi-fi, and luxury hotel benefits, theres no better fit for the frequent business traveler seeking an American Express travel business credit card.

American Express Credit Cards Overview

Is The Amex Everyday Credit Card the best “First Amex”?

American Express is the smallest of the three major credit card companies in Canada , and is the only one to issue its own credit cards rather than rely on a bank or credit union. The company currently offers six personal cards in just its own name â not attached to any outside partners â as well as a total of ten business credit cards and co-branded rewards cards with their partners.

The six personal cards American Express offers are its 2 x SimplyCash Cards, the American Express Cobalt, the Essential Card, the Gold Rewards Card, and the Platinum Card.

The two SimplyCash Cards are cash back credit cards that offer either a flat 1.25% or 2% cash back on every dollar spent depending on whether you opt for the no fee version or the $99 annual fee SimplyCash Preferred.

Launched in 2017, The American Express Cobalt is the most widely-popular, earning up to 5 times the points per dollar spent on groceries, dining, and eating out, and 2 points per dollar on virtually all travel expenses – from flights and hotel stays to gas and public transit.

The Essential Card is a no fee, low interest credit card that carries a below-average APR of 12.99% across the board on purchases and cash advances, making it the right fit for anyone who’s on a tighter budget and may need to rely on credit to carry them over during a cash crunch.

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