Discover the different Card types that Amex has to offer and match them to suit your lifestyle. Amex Gold isn't a travel card, it just earns rewards that have the most value when used for travel. Partner has an Amex everyday platinum cash back card. Late payment fee. Best Cash Back Credit Cards of November 2023. Most people get the Amex for the bonus offers and then use them for airmiles. You just can't change miles into cash back. I second the BILT card as well. Earn 20,000 25,000 Membership Rewards® points* PLUS spend anything in month 15 and get 5,000 Membership Rewards® points *when you spend £3,000 in your first three months of Cardmembership. 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. 5% discount. ) and U. No Annual Fee Cards. Nectar American Express – £120 in Nectar. 7% APR variable. Generally, Citi focuses on. S. 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. I’ve been using this setup for a while now. The Capital One Venture X card is Capital One’s ultra-premium credit card. $695 annual fee. You can either pay an additional $175 per year for up to three authorized users who get their own Platinum authorized user cards (see rates and fees). 10% cash-back for Uber Eats purchases. UK, May 6, 2021 – From 6 May, new and existing American Express® (NYSE: AXP) Preferred Rewards Gold Cardmembers can tuck into an exclusive new benefit with Deliveroo. 20. This comparison will hopefully help you determine which card is best for you. Christian_L7. Delta SkyMiles® Reserve American Express Card - best for sky club access. It's really a benefits card. 4x Membership Rewards points at U. In the publicly available rewards card space, The Platinum Card® from American Express is considered the cream of the crop. Information independently collected and not reviewed by Capital One. Blue Cash Preferred. I recently swapped over from my bank's card to the AMEX gold and have to say the main reason. 8% APR variable. S. American Express offers credit cards and charge cards mostly focused on luxury travel benefits, high-end rewards, and premium customer service. Here’s a few different methods. *Rewards. 4%. Step 2: Select Transfer Points under Redeem. 3** Earn 2% cash back on eligible gas purchases in Canada,. Cardholders can make up. 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. 95 to $24. These cards are ordered from the most premium level at the top to less premium towards the bottom: Centurion ® Card from American Express — Most premium. supermarkets on up to $6,000 per year in purchases (then 1%); 6% cash back on select U. such as APRs, should be a secondary concern in most people’s cash back credit card comparison. 2x miles on other purchases. The Amex gold for example offers 20k bonus miles sign up when spending 2k in three months. 5% cash-back on every purchase, while the Amex Gold card earns at least 1 Membership Rewards point on every purchase. Welcome bonus offer. With the Amex Platinum card, coverage is. APR. supermarkets. You can earn complimentary guest access for up to. 95 depending on location and coverage selected. 99%, based on your creditworthiness and other factors as determined at the time of account opening. gas stations; and 1% cash back on other purchases. Platinum; Feature: Gold: Platinum: Annual Fee: $250: $695: Reward Points: 90,000 after spending $4,000 in first 6 months: 150,000 after spending. streaming subscriptions; 3% back on transit including taxis/rideshare, parking, etc. 00% introductory interest rate on Cash Advances for the first 10 months (12. The American Express Fine Hotels + Resorts program provides elite-like benefits at more than 1,100 properties worldwide when you book through the program. American Express ® Preferred Rewards Gold Credit Card. 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. But that fee unlocks. However, with only a 1x earning rate, you'll earn a measly 2,676 points. Welcome bonuses on the Amex Green, Gold and Platinum. The Blue Cash Preferred Card currently offers a $250 statement credit after spending $3,000 in purchases within the first 6 months. Upgrade to the Platinum Card®. If you spend a lot on. It's really a benefits card. No minimum spend. Chase Sapphire Reserve® - best for chase ultimate rewards. Currently, you can earn 80,000 Membership Rewards points after spending $8,000 during your first six months of card membership. American Express ® Gold Card: Earn 60,000 points when you spend $6,000 on purchases in the first 6 months. Statement Credit Hassles. Venture X will have features that both make travel more comfortable and earn rewards towards travel. Chase Sapphire Preferred® Card - best for dining and travel. Capital One Savor Cash Rewards Credit Card. 99% on purchases. $650 ( rates & fees)New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership. supermarkets, U. The Amex Gold Card’s 60K-point initial bonus offer is available to new cardholders who spend at least $6,000 within 6 months of opening an account. 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. S. Best American Express Credit Cards. The Platinum Card® from American Express: Premium travel and lifestyle benefits, including airport lounge access, airline fee credits, and Uber Cash. For many, this is the best credit card to own thanks to its combination of good cashback and low income requirements. If you're able to max them out, you'll bring the card's effective annual fee down to just $10. There’s a limit of 2 claims per eligible card account in each 12-month period. supermarkets (on up to $25,000 in purchases per year) and restaurants – and redeem rewards. Whether you’d prefer to earn up to 6% cash back in certain spending categories or would rather pay no annual fee, Amex has a cash back Card for you. Replacing it would be an Uber Cash benefit, presumably piggybacking off of the success from The Platinum Card ® from American Express’ Uber Cash benefit. Learn More. Meanwhile, the welcome offer for the Amex Business Gold is worth $1,400 — albeit with a higher spending requirement. On an absolute basis, the Amex Gold card boosted its value proposition significantly (offering up to $120 in annual Uber Cash and removing a hard-to-use $100 airline fee credit). You'll earn at least 1 point per dollar spent with your card. Credit Card Summary. The cashback card at £125 vs 30 000. 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. Cash back is received in the form of Lowe’s Business Rewards points that can be redeemed for statement credits or select gift cards. Variable APR: 19. Once you've made this change, your earning rate will shift from a set cash-back percentage to a set number of Amex points per dollar spent. You'll also gain access to Chase Offers with the card. CNN Underscored Money. 4% cash-back on dining, including restaurants, cafes, bars, lounges,. 2 cents per point, which means that the 90,000-point bonus offer is worth. Gift cards. Delta Platinum Amex welcome offer. Credit Cards. As you can see, the Freedom Unlimited card earns at least 1. If Schwab still had the 2% cashback card, I would go for that. Prices range from $12. £2,000 – £0 Cashback Everyday vs £16 BA Amex. 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. The American Express ® Gold Card automatically wins in this category due to its much lower annual fee of $250 (see rates and fees), compared to the $695 annual fee for The Platinum Card ® from. Points values tend to get closer to the 1. 4% return on spend. 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. supermarkets (on up to $25,000 per calendar year in purchases. -based travelers can transfer points from HSBC rewards and Citi ThankYou Points to Qatar Airways Privilege Club for a 25% bonus. Car Rental Loss and Damage Insurance [$175] The Amex Gold card comes with secondary car rental insurance but offers the option to purchase primary Premium Protection for 1 low fee that covers the entire rental period. So you could look at it as getting a small rebate on your spending. 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. At Amex, cash back is earned in the form of Reward Dollars that can be redeemed for statement credits, with no redemption minimum. Both cards offer travel and purchase protections, rental car coverage, and exclusive access to American Express Experiences. supermarkets (up to $25,000 per year). American Express® Platinum Travel Credit Card. Would take a lot of recurring spend for gas with the 1c extra in gas rewards to overcome the $200 signup bonus of the BofA customized cash (maxing gas at $7k spend at an extra 1% would only be an extra $70 per year on the Costco Visa vs the $200 BofA signup bonus). $ 250. The Amex Platinum consistently has one of the most valuable welcome offers out there. 4 Min Read 16 NOV 2023. First-year value: $1,262. It has an annual fee of $699 but they're offering a 60,000 signup bonus, which essentially means a $99 annual. 99% / 21. 1X point on all other eligible purchases. S. The American Express Platinum Card comes in different flavors. 15 grams. Here’s how you’ll earn rewards on the Capital One Venture card and the Amex Gold card: Capital One Venture Card. Platinum Cashback Everyday Credit Card. Affinity credit cards. 5% discount. This bonus is worth roughly $564, based on TPG's most recent valuations. 2 cents per point, this means that an elevated offer of 90,000-point bonus offer is worth ~$1,980, where as a 60,000-point bonus offer is worth ~$1,320. This welcome bonus is smaller than the Platinum Card’s, but that annual fee is only $250 (See Rates & Fees). While the issuer. The American Express Platinum Charge Card has no limit - this is rare among platinum cards and, for this reason, only suitable for high-earners who always repay their balance. The earning rate of 4 Membership Rewards points per dollar at restaurants and U. S. American Express® Platinum Card. If you want a similar card that doesn’t charge an annual fee, then the Amex Blue Cash Everyday card is the perfect option. ago. The Chase. The annual fee on the Amex Gold card, however, is much higher. 40 spent using the card. The American Express® Green Card * ’s current welcome bonus is: 40,000 points after spending $3,000 on purchases in the first 6 months. streaming subscriptions. That could add up to $100 in statement credits. Offer ends 9 January 2024. For some, the Amex Gold's lower annual fee, dining credit, monthly Uber Cash and great bonus categories may make more sense than carrying the Platinum card. $250: The Platinum Card ® from American Express: Earn 80,000 points after spending $8,000 on purchases in the first 6 months. The Gold Card Membership Rewards. With the Preferred® card you have tiered-rewards earning of 6% cash back at U. 5K points per £5K spent from October 12 onwards, so I see it as another win for myself. 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. Membership provides significant benefits, including unique rewards, advantageous pricing options, excellent customer service, and numerous travel-related amenities. Blue Cash Everyday® Card from American Express - best for cash-back beginners. For starters, the Amex Gold card offers 4 points / $1 spent at spent at restaurants worldwide (plus takeout and delivery in the U. Interest-free period: 56 days on purchases if the balance is paid in full each month (30. While it’s the more expensive of the two, the Amex Gold card still provides significantly more value overall. Then there are the less exciting fees. S. On top of the welcome offer, Rose Gold offers a number of ways to earn accelerated Membership Rewards points:3. Platinum comparison Unlike the American Express Gold Card, the The Platinum Card® from American Express offers cell phone protection up to $800 per claim, or $1,600 (two claims) per 12-month period when you. Earn 5X Membership Rewards® Points for flights booked directly with airlines. The card's $695 annual fee, which increased from $550 in 2021, is among the highest in the industry. supermarkets on up to $6,000 per year in purchases, then 1%. Limited Time Offer: Earn 25,000 Membership Rewards® points* PLUS spend anything in month 15 and get 5,000 Membership Rewards® points *when you spend £3,000 in your first three months of Cardmembership. , 4 points per $1 at U. Our Verdict. The APR on this card ranges from 21. As a top-tier travel card, the Amex Platinum card usually charges a $695 annual fee (see rates & fees ). Get rewarded for being you with one point for every pound you spend. Some cards offer rewards in the form of cash back. But at that point there's better no AF cards for purely cash back. 24%-29. I currently have a chase card and am enjoying the 1% cash back - I think mine runs out in June as I joined late. Based on TPG's valuation of 2 cents each for Membership Rewards points, the welcome offer for the Amex Gold is worth $1,200. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. 99%. 99% Variable,0% on purchases for 12 months. S. 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. 50 spent with the card. You can repeat this offer 3 times, for a total of $15 back. The current public offer is: Earn 60,000 points when you spend $6,000 on purchases in the first 6 months. Related: Card showdown: Amex Business Gold vs. Amex cards that offer rewards at U. The APR on this card ranges from 21. Amex Gold benefits. The Platinum Card’s welcome bonus is: Earn 80,000. Then get the gold a little later (60k). Enjoy dining and on-site hotel experience credits. 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. 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. While some cards may earn a cash back (or points) bonus on only one or two categories, the Blue Cash Preferred actually offers a bonus on four areas of spending: 6% back on select U. Get platinum first for the 100k offer (normal is 60k. 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. This card charges a much lower $250 annual fee, yet it offers an annual up to $120 in Uber credits. Rates & Fees. Representative 88. With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U. 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. S. American Express Gold vs. In general, Amex is more prestigious than Citi. See related: Amex Gold vs. American Express® Gold Card. These cards are ordered from the most premium level at the top to less premium towards the bottom: Centurion ® Card from American Express — Most premium. Platinum cards have higher minimum credit limits than gold cards. BocciaChoc • 53 • 3 yr. The good news is, Amex Platinum cardholders have access to up to $300 a year in statement credits when they use their card on the Equinox+ digital fitness app or eligible Equinox club memberships. 99% - 29. S. The Amex Platinum has a much higher annual fee: $695 compared to $250 for the Amex Gold card. The CSP costs $35 more if you use all of the credits for both. 95 depending on location and coverage selected. For starters, the Amex Gold card offers 4 points / $1 spent at spent at restaurants worldwide (plus takeout and delivery in the U. 1 Plus no annual fee in the first year. Best American Express Credit Cards in 2023. 99% Variable,0% on purchases for 12 months. Thus, on earnings. Scotiabank Value ® Visa* Card. This works out to be a 20% discount if you spend exactly $700. Rates & Fees winner The Platinum Card® from American Express Sponsored Card 707 3. Platinum Cashback – Up to £125 bonus cashback. As an Amex Cardmember, you get two complimentary Supplementary Cards. Downgrade the card to the Rewards card before you're in the second year. The Amex Platinum has a much higher annual fee: $695 compared to $250 for the Amex Gold card. Amex Offer for MGM’s Luxury Hotels. 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. 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. 6. Bottom Line: Using Amex Offers is a simple way to earn bonus points or save money. The Gold Card has a $250 annual fee 1 and offers a number of accelerated points-earning opportunities, especially for food lovers:. 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. Earn Points. After the first year, you can get the ARCC which also gives you points, if you want to keep collecting those, or empty your points into Nectar and close it - the fee is refunded pro-rata. Whether you’d prefer to earn up to 6% cash back in certain spending categories or would rather pay no annual fee, Amex has a cash back Card for you. S. The Amex Plum card costs nothing the first year but costs $250 per year after that. From oat lattes to overdue lunches, and from cat food to car tax, everything you do is an opportunity to rack up the rewards. Annual Fee. American Express Platinum Reserve Credit CardAmerican Express® Platinum Reserve SM Credit 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. Show Pros, Cons, and More. 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. You make a good point though about the credits. I second the BILT card as well. American Express ® Gold Card: Earn 60,000 points when you spend $6,000 on purchases in the first 6 months. Image Credit: Walmart. legal info (external) legal (external) $29. On top of that, get an extra 2,500 bonus points for every £5,000 you spend, up to a maximum of 12,500 bonus points per year. streaming subscriptions. streaming subscriptions, transit, and U. 5 cents to 1 cent per point. Welcome bonus: 120,000 Membership Rewards points after spending $15,000 on eligible purchases in the first three months of card. S. Platinum spending example. The Gold Card’s rewards on U. JOHN GRIBBEN/THE POINTS GUY. (Photo by Chris Dong/The Points Guy) The Amex Platinum card is a travel-focused card, earning 5x points on flights directly with airlines or through Amex Travel, on up to $500,000 per calendar year, and on prepaid hotel reservations made through Amex Travel. The American Express® Gold Card’s current welcome. If its your first credit card though, not sure if you'd get approved. Darren Murph. The CSP costs $35 more if you use all of the credits for both. Earn 60,000 points when you spend $6,000 on purchases in the first 6 months. American Express Gold vs. $550. supermarkets on up to $6,000 per year in purchases, then 1%, 3% cash back at U. Currently, there are 4 Amex card levels in the travel rewards category. Points & Rewards. Venture X will have features that both make travel more comfortable and earn rewards towards travel. » MORE: Full review of the American Express. Best two-year value: The Platinum Card® from American Express. Image Credit: American Express. Based on my research on this subreddit, is it fair to say that the straight 5% cash back I can get on the Citibank Custom Cash card (no annual fee) is going to be a better deal than the AmEx Gold ($250 annual fee) 4x points on restaurants, even with. You just can't change miles into cash back. American Express also. Moderate—Cash-back cards exist that earn bonuses in specific categories or as high as 2% to 2. 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. 24% based on your credit score and other factors at the time you apply for an account. 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. 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. Why You Shouldn’t Get Cash-back From the Amex Platinum Card. With the introductory offer on the Gold card and the free first year, the Gold card can be worth more than the cash back card - if you spend enough to trigger. S. The level of cash back you can earn depends on the individual card. Here is the earning structure on this card:This card is great for those who want to earn cash-back with U. AmEx Gold vs Citi Custom Cash. I currently have a chase card and am enjoying the 1% cash back - I think mine runs out in June as I joined late. Either sub is great, there's no wrong choice here. 5% cash back on all purchases. The fact that you don't have to have one card for groceries and one for restaurants makes it that much better. You also can book discounted premium tickets, use benefits like a 35% points rebate on. 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. Based on TPG's valuation of 2 cents each for Membership Rewards points, the welcome offer for the Amex Gold is worth $1,200. Welcome bonus offer. 6% Cash Back on select U. Platinum spending example. Earning: Over 3% returns on travel or other common bonus categories. Platinum cardholders usually earn more rewards points per $1 spent than gold cardholders. Looking to get a credit card to obtain discounts on my dining. Cashback is a credit card benefit that allows you to earn money back on things you buy with the relevant card. A general guide is to use the Platinum and. Delta SkyMiles® Platinum American Express Card: Basics. S. Here’s why: The Platinum Card® from American Express charges a whopping $695 annual fee that could make your jaw drop. 07 and the BMO CashBack World Elite Mastercard earns $490. Platinum Card members will be charged a $50 fee for each guest—or $30 for children aged two through 17. The American Express ® Gold Card is a game-changer. With the Amex Gold, you get 4X points on up to. 4X points at U. Updated 10:10 PM EDT, Mon November 13, 2023. S. However, it’s a bad idea to do so because you’ll only get. Offer captured on July 22, 2022, and may not be available to all applicants. Hot Tip: Check out our complete guide on the best credit cards to use for Airbnb and VRBO stays. With a $95 annual fee, this Card offers 3X points at U. spooky1054025 • 3 yr. Whenever you make a purchase on the Amex Platinum card, the rewards you earn are called Membership Rewards points. 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. S. Amex Platinum Cashback Everyday Get 5% cashback for the first three months, then ongoing cashback of up to 1% – though you must spend £3,000+ per year to get any cashback. Since we value Membership Rewards points at about 2. 88: $400 Statement Credit: Scotiabank Gold Amex:. I am finding it real hard to make a case to keep this card open in 2023. For example, if the Amex Platinum's annual fee is too much of a financial commitment, you can look into the American Express® Green Card which earns 3X points on travel and dining at a much lower. Read our comparison chart below. By using all. S. 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. This card charges a much lower $250 annual fee, yet it offers an annual up to $120 in Uber credits. 5 miles per dollar spent on hotels and rental cars booked through Capital One Travel. Though it has an annual fee of $155. The card earns 4X points at restaurants and 4X points at U. You will receive a statement credit or bonus Membership Rewards points within 90 days. $695: Capital One Venture Rewards Credit Card: Earn 75,000 miles when you spend $4,000 on purchases in the. CNN Underscored Money. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit. Welcome Bonus Earn $250 Annual Fee $0 intro annual fee for the. Variable APR: 19. Earn up to 100,000 Membership Rewards® points when you upgrade to the Platinum Credit Card® from the American Express Preferred Rewards Gold Credit Card®. Whether you want to collect Membership Rewards® points, travel the world or enjoy exclusive curated experiences, Amex makes it all possible. It’s usually best to pay a rewards card’s bill in full every month, unless there. Meanwhile, the welcome offer for the Amex Business Gold is worth $1,400 — albeit with a higher spending requirement. 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. Platinum Cashback vs Gold Rewards : r/amex by -tsr Platinum Cashback vs Gold Rewards I currently have the Platinum Cashback, I used this for about a year to test if it. *Average value based on Fine Hotels. Best. Compare the free BA Amex to the free Amex Platinum Cashback Everyday. 6% back at U. Best Citi Credit Cards. Currently, you can earn 80,000 Membership Rewards points after spending $8,000 during your first six months of card membership. 60,000-point welcome bonus after spending $4,000 in the first 6 months of card membership. Reward points per $1. Best Bank Of America Credit Cards. For example, you could receive a cashback yield of 0. Julian Kheel. Gold is 90K + 20% back. American Express® Gold Card review. American Express® Platinum Travel Credit Card. With The Platinum Card, you get automatic Marriott Bonvoy Gold Elite Status and Hilton Honors Gold Status, premium car rental status for various car rental programs and airport lounge access. The American Express® Gold Card offers a variety of benefits, including dining credits, Membership Rewards points, Uber Cash and preferred access to premium. Delta SkyMiles ® Gold American Express Card. Make Purchases Online. 10. 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. No rebate cap. 80,000-point. 4X points at restaurants around the world, including Uber Eats purchases and other delivery services. Delta SkyMiles® Gold American Express Card - best for occasional delta flyers. American Express® Gold Card. Annual Fee.