American Express Membership Rewards Cards

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We have a separate page for the Platinum card, which also earns Membership Rewards. 

 


Gold Charge Card

Application Link (Target: 50,000; Current: 50,000 + 20% back at restaurants up to $100 for first three months)

Annual Fee: $250

Earning: 4x at U.S. restaurants and supermarkets (up to $25,000 per year); 3x points for flights directly with airlines or on amextravel.com; and 1x for everything else.

  • Restaurants that use Square to process payments typically do not trigger the 4x bonus.

Benefits: $100 fee credit with airlines, $120 dining credit ($10 per month only applicable with Grubhub, Seamless, Cheesecake Factory, Ruth's Chris, and Shake Shack), no foreign transaction fees, baggage insurance, secondary car insurance, roadside assistance, and 90-day purchase protection.


Business Gold Charge Card

Application Link (Target: 50,000; Current: 50,000)

Annual Fee: $295

Earning:

  • 4x points on two of the following categories that you spend the most each billing cycle: Airfare directly with airline, U.S. purchases for advertising in select media, U.S. purchases at gas stations, U.S. purchases for shipping, and U.S. computer hardware, software, and cloud computing purchases made directly from select providers. (4x only applies to first $150,000 in combined purchased per calendar year from the top two categories)
  • 1x everywhere else.

Benefits: 25% points back after you book a flight and pay with points, no foreign transaction fees, extended warranty, 120-day purchase protection, 90-day return protection, roadside assistance, baggage insurance, travel accident insurance, the Hotel Collection ($75 hotel credit plus upgrades on stays for 2 or more nights, but you don't earn hotel points or elite benefits)


Ameriprise Gold Charge Card

Application Link (Target: 25,000; Current: 25,000)

Annual Fee: $0 first year, then $160

Earning: 2x with flights booked directly with airlines, 2x at US restaurants, and 1x everywhere else.

Benefits: No foreign transaction fees, 90-day purchase protection, and 90-day return protection.


Everyday

Application Link (Target: 25,000; Current: 15,000)

Annual Fee: $0

Earning: 2x at US supermarkets (up to $6,000 a year), 1x everywhere else, and 20% bonus if you make more than 20 purchases in a billing period.

Benefits: 90-day purchase protection, and 90-day return protection.

 


Everyday Preferred

Application Link (Target: 30,000; Current: 15,000)

Annual Fee: $95

Earning: 3x at US supermarkets (up to $6,000), 2x at US gas stations, 1x everywhere else, and 50% bonus if you make more than 30 purchases in a billing period.

Benefits: Secondary car rental insurance, 90-day purchase protection, and 90-day return protection.


Green Charge Card

Application Link (Target: 25,000; Current: 15,000)

Annual Fee: $0 first year, $95 for subsequent years

Earning: 2x points at amextravel.com, and 1x everywhere else.

Benefits: Baggage insurance, 90-day purchase protection, and 90-day return protection.

 


Morgan Stanley

Application Link (Target: 10,000; Current: 10,000)

Annual Fee: $0

Earning: 2x on airfare, US restaurants, select department stores, and select car rental companies; 1x everywhere else.

Benefits: $100 bonus if you spend $25,000, can transfer points to Morgan Stanley brokerage account for 1 CPP (I would avoid), 90-day return protection, 90-day purchase protection, and secondary car insurance.