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. The rates and fees of the American Express Business Gold Card include: Annual fee: $295. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. 0% APR variable on purchases). Cash back is received in the form of Lowe’s Business Rewards points that can be redeemed for statement credits or select gift cards. supermarkets, select streaming services, U. American Express Membership Rewards® Credit Card. Based on TPG's valuation of 2 cents each for Membership Rewards points, the welcome offer for the Amex Gold is worth $1,200. 10% cash-back for Uber Eats purchases. This year, however, I have a bunch of travel plans (later in the year though, pretty much every month from July to December, fingers crossed now though) and I was looking at Amex Platinum. The American Express® Gold Card charges $250 per year, while the American Express® Business Gold Card charges $295 ($375 if application is received on or after 2/1/24) per year. Popular Amex transfer partners include British Airways Executive Club, Emirates Skywards, Hilton Honors and Marriott Bonvoy. 24% to 28. I recently swapped over from my bank's card to the AMEX gold and have to say the main reason. The Platinum Card from American Express. Say you use your American Express Gold Card and spend $200 dining out and another $500 on groceries. Based on TPG's latest valuations, that bonus is worth $1,200. The American Express® Green Card * ’s current welcome bonus is: 40,000 points after spending $3,000 on purchases in the first 6 months. 0% variable. This welcome bonus is smaller than the Platinum Card’s, but that annual fee is only $250 (See Rates & Fees). 5 cents to 1 cent per point, depending on the merchant. Amazon – When checking out on Amazon. 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. 25% Gas), with PH Preferred Rewards. Statement Credit Hassles. 3 WalletHub Rating Apply Now Rates & Fees credit card. The Platinum Card® from American Express is most definitely the latter. Card type: Airline. Explore the Power of American Express® Cashback Credit Card. Amex Platinum Quick Facts. American Express Gold Credit Card : 1 Membership Rewards Point for every Rs. 4x Membership Rewards points at U. The first is an Uber Cash benefit and the other is a Dining Credit that can be used. The Amex gold for example offers 20k bonus miles sign up when spending 2k in three months. From now until the end of the month, U. Introductory offer: 5% cashback on purchases (up to £100) for the first 3 months. supermarket purchases per year for a total of $360. Annual Fee. 2 cents apiece, meaning these 5,000 bonus points would be worth about $110. In other words, a merchant offering 2% cash back will now offer 2 Membership Rewards points per dollar spent — so a $100 purchase would earn 200 Amex points rather than $2 cash back. Preferred Rewards Gold – Up to £150 in Nectar points, plus four airport lounge passes. Make a transaction in month 15 to earn another 25,000 points. The Amex trifecta is a strategy in which you use a combination of three Amex cards to maximize the amount of American Express Membership Rewards points you earn on your purchases. 3** Earn 2% cash back on eligible gas purchases in Canada,. Welcome to the only officially recognized American Express community on Reddit. There are two ways to go about this. It has an annual fee of $699 but they're offering a 60,000 signup bonus, which essentially means a $99 annual. 3X points on airfare booked directly through the airline or through Amex Travel. 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. Welcome Offer. Here’s why: The Platinum Card® from American Express charges a whopping $695 annual fee that could make your jaw drop. Terms apply. 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. 3X Points on all expenditures abroad. 70,000 Membership Rewards® points after spending $10,000 on eligible purchases within the. 4x points on all food = 8% off all food. Depending on the card, you may earn extra points for spending in specific categories, such as 3 points per dollar at restaurants or 5. 5% discount. This card charges a much lower $250 annual fee, yet it offers an annual up to $120 in Uber credits. supermarkets on up to $6,000 per year in purchases (then 1%), 6% cash back on select U. 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. Replacing it would be an Uber Cash benefit, presumably piggybacking off of the success from The Platinum Card ® from American Express’ Uber Cash benefit. Amex reserves access to its Amex FHR program for. Here’s a few different methods. Here's what you need to know about the Charles Schwab version. There is no difference between the Amex Gold card and the Amex Rose Gold except for the color you choose. 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. While the issuer. 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 ). First-year value: $1,262. You can use your Membership Rewards points to pay for online purchases with a number of retailers at a rate of 0. Rates & Fees winner The Platinum Card® from American Express Sponsored Card 707 3. 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. 0. American Express, a leading financial institution, offers a wide range of services including credit, debit, and charge cards, complemented by various travel-related services. 5% “cash-back,” which is actually an early payment discount. Intro APR: None. *Average value based on Fine Hotels. 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. 5%. Earn up to 1. 80,000-point. Rates & Fees. The average initial bonus is 30,719 points/miles or $233 cash back. With a $95 annual fee, this Card offers 3X points at U. Apply Now. S. If its your first credit card though, not sure if you'd get approved. 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. For example, Norton purchases through Rakuten currently earn 60%. AmEx Gold vs Citi Custom Cash. The Capital One Savor charges $95 per year — a moderate annual fee for a rewards credit card. Our top pick for the best rewards card, the Amex Gold rewards your food purchases — whether you're eating at home or dining out. Whenever you make a purchase on the Amex Platinum card, the rewards you earn are called Membership Rewards points. 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. Interest-free period: 56 days on purchases if the balance is paid in full each month (30. Earning: Over 3% returns on travel or other common bonus categories. If you can pay your rent by ACH or paper check, no reason to leave 2650+ points behind each month. The Amex Gold card is geared toward people who shop frequently, eat out a lot, and do a lot of everyday spending. Annual fee. Earn 80,000 Membership Rewards points after spending $8,000 within the first six months of card. S. The Platinum Card from American Express. supermarkets, U. Late payment fee. 2x miles on other purchases. Platinum Cashback Everyday Credit Card. 77 within a year—at a 1. 40 spent using the card. Learn More. Variable APR: 19. You just can't change miles into cash back. 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. Cardholders also get an annual one. 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. Interest Rates. 3X points on airfare booked directly through the airline. Currently, you can earn 80,000 Membership Rewards points after spending $8,000 during your first six months of card membership. Options include: Amazon: 0. The BofA PR Elite is a great backup VISA to my AMEX Gold when restaurants don’t accept. Offer ends 9 January 2024. The American Express® Gold Card’s current welcome. Foreign. I had the Amex Gold card since 2019 and back when the $100 travel credit was offered to help offset the annual fee. 95 to $24. 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. With the Amex Gold, you get 4X points on up to. Either sub is great, there's no wrong choice here. This card charges a much lower $250 annual fee, yet it offers an annual up to $120 in Uber credits. 50 spent with the card. Options include: Amazon: 0. Platinum Cashback Everyday – Up to £100 bonus cashback. Delta Platinum Amex welcome offer. supermarkets (on up to $25,000 in purchases per year) and restaurants – and redeem rewards. By Issuer. 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). Share your Benefits. The APR on this card ranges from 21. Keep in mind that Amex has strict rules when it comes to earning a. It has an annual fee of $699 but they're offering a 60,000 signup bonus, which essentially means a $99 annual. Capital One Quicksilver; Capital One Quicksilver 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 ). The American Express Platinum Card comes in different flavors. Further, the AmEx BCP's effective cashback rate could be lower than 4. 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. (Scotiabank Amex Gold) to $317. Both cards carry high annual fees — $695 in the case of the Amex Platinum Card, and $495 for the primary cardmember on the Citi Prestige® Card. 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 Platinum Card® from American Express: Best for luxury travel benefits. Earn 1,000 Bonus Membership Rewards® Points for simply using your Card 4 times on transactions of Rs. There is a big difference in annual fees. Gold Card Members can add up to five Additional Cards without an annual fee. Delta SkyMiles® Gold American Express Card - best for occasional delta flyers. Step 2: Select Transfer Points under Redeem. For example, you could receive a cashback yield of 0. Get platinum first for the 100k offer (normal is 60k. 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). Best Premium Hilton Card. Apply online today!Neither card currently has a 0% APR offer, and neither has foreign transaction fees. Representative APR: 31. Yes, I do exactly this! My setup is is the AMEX Platinum, AMEX Gold, BofA PR Elite, andBofA CCR (5. This comparison will hopefully help you determine which card is best. The $250-annual-fee card earns 4 points per dollar spent at restaurants, 4 points per dollar spent at U. American Express also. Most people get the Amex for the bonus offers and then use them for airmiles. Referral offer and incognito on Plat is still showing up at 150k sometimes. 99%, based on your creditworthiness and other factors as determined at the time of account opening. The AMEX Gold on the other hand was repositioned as the "baby Platinum" card. The earning rate of 4 Membership Rewards points per dollar at restaurants and U. 1. 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. gas stations. You're still going to earn 3K MR points while spending £3K as well. 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. With so many ways to redeem Membership Rewards points, from the latest fashion, a weekend away and more. THE POINTS GUY. supermarkets. Platinum spending example. It’s worth noting, however, that U. Related: Card showdown: Amex Business Gold vs. 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. 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. In exchange for a $95 annual fee, the Chase Sapphire Preferred offers many travel perks, including a $50 annual hotel credit for bookings through Chase Travel and a 10% points bonus on your cardmember anniversary. CNN Underscored Money. The Amex. Here’s a few different. American Express ® Gold Card: Earn 60,000 points when you spend $6,000 on purchases in the first 6 months. Welcome Offer. Earning: Over 3% returns on travel or other common bonus categories. 60,000-point welcome bonus after spending $4,000 in the first 6 months of card membership. By Holly D. It’s worth noting, however, that U. S. Good to Excellent. 88: $400 Statement Credit: Scotiabank Gold Amex:. But there’s a fork in the road in terms of statement credits. Scotiabank Value ® Visa* Card. Amex Gold for dining/groceries and CFU for non-category purchases. 5% discount. With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U. 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. 49% to 27. Welcome bonuses on the Amex Green, Gold and Platinum. Affinity credit cards. Image Credit: American Express. All in all, the benefits with Gold are good. £2,000 – £0 Cashback Everyday vs £16 BA Amex. " You can click either the "Get Started" or "Learn More" button. If you opt for the higher fee, make sure you get the most out of the rewards, or it may not be worth it. Where this. In comparison, t he Blue Cash Preferred® Card from American. 2 cents per point, which means that the 90,000-point bonus offer is worth. Both The Platinum Card® from American Express and the Delta SkyMiles® Reserve American Express Card offer welcome bonuses for new cardmembers. 7% APR variable. American Express ® Preferred Rewards Gold Credit Card. Total two-year value: $1,486. From oat lattes to overdue lunches, and from cat food to car tax, everything you do is an opportunity to rack up the rewards. An. S. The current public offer is: Earn 60,000 points when you spend $6,000 on purchases in the first 6 months. 6 cents per. If you're able to max them out, you'll bring the card's effective annual fee down to just $10. 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. ; 3% back at U. S. With the Amex Blue Cash Everyday card, you’ll earn cash-back at U. Amex Gold vs. Remember that Cashback Everyday requires £3,000 of annual spending before it pays out. The Amex Gold credit card hedges out the Amex Platinum by a small margin when it comes to the welcome bonus. I am finding it real hard to make a case to keep this card open in 2023. Cardholders can also earn an initial bonus of. Partner has an Amex everyday platinum cash back card. 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. The Amex Plum card costs nothing the first year but costs $250 per year after that. Popular Amex transfer partners include British Airways Executive Club, Emirates Skywards, Hilton Honors and Marriott Bonvoy. Blue Cash Everyday® Card from American Express - best for cash-back beginners. I second the BILT card as well. ago. The American Express Fine Hotels + Resorts program provides elite-like benefits at more than 1,100 properties worldwide when you book through the program. $250 (Rates & fees) The Platinum Card ® from American Express. Blue Cash Preferred. Annual Fee. S. If you take out a cash advance. Rewards rate: Earn 5 points per dollar on airfare purchased directly from the airline or through Amex Travel on up to $500,000 on these purchases per calendar year) and prepaid hotels booked through Amex Travel. 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. In general, Amex is more prestigious than Citi. If you opt for the higher fee, make sure you get the most out of the rewards, or it may not be worth it. Cardmembers with Cards issued prior to September 1, 2022 will. You'll earn at least 1 point per dollar spent with your card. 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). Delta SkyMiles® Reserve American Express Card - best for sky club access. Welcome bonus: 120,000 Membership Rewards points after spending $15,000 on eligible purchases in the first three months of card. Best two-year value: The Platinum Card® from American Express. Image Credit: Walmart. Then there are the less exciting fees. Platinum cardholders usually earn more rewards points per $1 spent than gold cardholders. S. 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. 1% cashback on local purchases and 2% cashback on overseas purchases. 2 miles per dollar spent on every purchase. Delta SkyMiles® Platinum American Express Card - best for mid-tier delta flyers. 5K points on the Gold card earnings to. Overall, the Gold will be earning an extra 2. $295 ($375 if application is received on or after 2/1/24) New cardmember offer. 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. Offer captured on July 22, 2022, and may not be available to all applicants. Hilton Honors American Express Surpass® Card - best for hilton loyalists. Cashback is a credit card benefit that allows you to earn money back on things you buy with the relevant card. Blue Cash Preferred® Card from American Express - 6% cash back on up to $6,000 in purchases per calendar year; then 1%. S. 6% back at U. Read our comparison chart below. Darren Murph. S. THE POINTS GUY. The American Express ® Gold Card is a game-changer. American Express® Gold Card - best overall dining card. Earn 1,000 Bonus Membership Rewards® Points for simply using your Card 4 times on transactions of Rs. THE POINTS GUY Sapphire Preferred vs. Credit Recommended. Representative APR: 31. This card is great for those who want to earn cash-back with U. Moderate—Cash-back cards exist that earn bonuses in specific categories or as high as 2% to 2. Compare Rewards Credit Cards. The Amex Platinum card offers just 2 bonus categories for flights and prepaid hotels booked through Amex Travel. Other Benefits and Drawbacks: The Hilton Aspire Card is the only hotel credit card we’re aware of that offers automatic top-tier status. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way!For. Amex Gold card — Premium. Designed for flyers who fly more frequently and those who value perks more than point generation as the card comes with free lounge visits, NEXUS application credits, travel enhancement credits, hotel and car rental status upgrades and more. At Amex, cash back is earned in the form of Reward Dollars that can be redeemed for statement credits, with no redemption minimum. 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). Nectar American Express – £120 in Nectar. S. $695. The Amex Platinum consistently has one of the most valuable welcome offers out there. 4% if a cardholder spends less than $6,000/year on groceries. Welcome Gift1 of 4,000 Bonus Membership Rewards® Points. American Express® Gold Card. It is better for dining out and U. Annual fee: $395-$695 (see Amex Platinum rates and fees) Welcome bonus: $1,000 or more in value, according to TPG valuations. This. American Express Gold Card. Travel and dining credits, including a $120 Uber Cash credit and mainstays like the $120 Dining Credit and $100 Hotel Credit. For the rates and fees of the. If you only travel a few times a year, the American Express® Gold Card could be a better fit. American Express® Platinum Travel Credit Card. $0 intro annual fee for the first year, then $95. Image Credit: American Express. The American Express Gold Card offers plenty of ways to earn points – including 4 points per dollar spent at U. This means you could redeem, for example, 30,000 rewards points for anywhere between $150 to $300 depending on the brand. This is an easy win for the Gold card. S. Platinum; Feature: Gold: Platinum: Annual Fee: $250: $695: Reward Points: 90,000 after spending $4,000 in first 6 months: 150,000 after spending. American Express Gold vs. While it’s the more expensive of the two, the Amex Gold card still provides significantly more value overall. 24% to 28. 42%). 1. Credit Recommended. Capital One Savor Cash Rewards Credit 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. 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. 4X points at U. The level of cash back you can earn depends on the individual card. gas stations, up to $6,000 per year, then 1%, 3% cash. 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. Terms & Conditions 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. American Express, a leading financial institution, offers a wide range of services including credit, debit, and charge cards, complemented by various travel-related services. 99% on cash advances. Based on TPG's valuation of 2 cents each for Membership Rewards points, the welcome offer for the Amex Gold is worth $1,200. 24%-29. Why you might want a different cardAmerican Express Business Platinum Card basics. Best two-year value: The Platinum Card® from American Express. Our Favorite Benefits of the Amex Platinum Card. 4,500 plus applicable taxes. Earn 5. The first 5 additional cards are free plus $35 per extra card starting with the sixth card. Interest-free period: 56 days on purchases if the balance is paid in full each month (30. Hilton Honors American Express Aspire Card. 5K points per £5K spent from October 12 onwards, so I see it as another win for myself. 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. Gift Cards – Use your rewards to purchase gift cards and receive $5 free added. It’s tied only by The Business Platinum Card® from American Express (see rates & fees) and topped only by the invite-only Amex Centurion. 88, this is actually charged out in monthly bites – so $12. 5 - 0. Platinum Card members will be charged a $50 fee for each guest—or $30 for children aged two through 17. A sign-up bonus. Amex Gold vs. 99% on purchases, 21. But at that point there's better no AF cards for purely cash back. 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. Annual fee: $395-$695 (see Amex Platinum rates and fees) Welcome bonus: $1,000 or more in value, according to TPG valuations. Make Purchases Online. But the initiation and annual fees for the Centurion Card† make Amex Platinum's $695 annual fee (see rates and fees) look like child's play. The American Express® Gold Card offers a variety of benefits, including dining credits, Membership Rewards points, Uber Cash and preferred access to premium. First Year Fee: Rs. The card will set you back $250. Get stay vouchers worth INR 45,000 from Taj, SeleQtions and Vivanta Hotels. Best Rewards Credit Cards of 2023. The real attraction of the Maybank 2 Gold & Platinum Cards lies in its TreatsPoints and cashback benefits – up to 5x TreatsPoints on virtually every RM1 spent and 5% cashback on. JOHN GRIBBEN/THE POINTS GUY. Winner: The Platinum Card. First-year rewards value: $512. The Amex Platinum has a much higher annual fee: $695 compared to $250 for the Amex Gold card. You’ll see that in terms of everyday spend, the Amex Blue Cash Preferred card is far more rewarding than the Amex Platinum card, earning you between 3% to 6% cash-back on purchases such as gas and groceries. No minimum spend. 0 cents per point on average when transferred to a high. The Platinum Card’s welcome bonus is: Earn 80,000. The Capital One Venture X card is Capital One’s ultra-premium credit card. 1x points = 1% cashback when maximizing rewards). Foreign transaction fee: None. The Blue Cash Preferred ® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make. The Delta Gold Amex earns 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first six months of account opening. Air Miles Cards. While it’s the more expensive of the two, the Amex Gold card still provides significantly more value overall. S. 49% variable. In addition, there’s a annual credit of $300 for all bookings made through Capital One Travel. Delta SkyMiles ® Gold American Express Card. The Gold Card has a $250 annual fee 1 and offers a number of accelerated points-earning opportunities, especially for food lovers:. Both the American Express® Gold Rewards Card and The Platinum Card® from American Express fall into Amex’s category of travel cards with substantial. AMEX Gold gives 1% more back for groceries/restaurants. By Holly D. 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. Featured Benefits: Enjoy up to 10% cashback* for the first 3 months of Card issuance. You make a good point though about the credits. The Amex Green card has a $150 annual fee while the Amex Blue Cash Preferred card’s annual fee is $0 intro annual fee for the first year, then $95. 99% after that; annual fee $29). 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. 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.