American Express
American Express

The American Express Membership Rewards Trifecta

In This Post:

      1. The American Express Membership Rewards Trifecta
      2. The American Express Platinum Card
      3. The American Express Gold Card 
      4. The Blue Business Plus Card
      5. Other Options

The American Express Membership Rewards Trifecta

Just like my recent post on the Citi Thank You Point Trifecta, American Express has some great card options for accumulating points to fly aspirational trips.  With American Express cards you are going to pay much higher annual fees but they offer much better benefits.  American Express cards are not for everybody, they are tailored for people who travel frequently.  They offer lounge access, hotel status, airfare and hotel credits, credits for Global Entry, Clear, etc.  If you don’t need those type of benefits then Citi cards would be a better option.

The Platinum Card

The American Express Platinum Card is usually regarded as the best travel credit card. What I like best about this card is getting access to airport lounges.  It provides access to 7 different lounge programs, including Delta Sky Clubs if you are flying Delta Airlines.  See my post here for the Ultimate Guide to Lounge Access.  It earns 5 points per dollar on flights booked directly with Airlines and 5 points per dollar on Hotels booked with Amex Travel.  It has an Annual Fee of $695.  In your first year you can earn credits of atleast $879 ($200 Airline Fee Credit, $200 Hotel Credit, $200 Uber Credits, $179 Clear Credit and $100 Global Entry Credit.  There are also other credits that are harder to get value from such as the Equinox credit, Digital Entertainment and Walmart+ Benefit.  This card is great for someone who travels frequently and would like lounge access.  Because of the current bonus offer of 100,000 points after spending $6,000 over 6 months i would recommend this card to anyone. 100,000 points is enough for a round trip business class flight to Europe on certain airlines.  The cash price for the same flight would normally cost much more than this card’s $695 annual fee.

The Gold Card

The American Express Gold Card is going to be your goto card for most of your daily expenses.  This card is going to be help you can earn more points on the ground than you can in the air.  It earns 4 points per dollar on Dining and 4 points per dollar on Groceries up to $25,000 per year (100,000 Points).  It has a $250 Annual fee but features $120 in Uber credits and $120 in Dining credits for Grubhub, Seamless or Boxed.  It also features a $100 Property credit when you book a 2 night hotel stay through The Hotel Collection.  It currently offers 60,000 bonus points after spending $4,000 over 6 months.

Blue Business Plus Card

The Blue Business Plus card is a great option for purchases that don’t fall into the bonus categories of The Platinum Card or The Gold card.  It has a $0 Annual Fee and earns 2 points per dollar on the first $50,000 dollars per year.  A lot of people think you have to have a business to get a business credit card.  The thing is people often don’t realize that they have a business.  If you sell someone online or if you ran a yard sale at your house, then you have a business.  This is called a sole proprietorship.  Usually it doesn’t require filling out any forms or having any written documentation about your business.  This card currently is offering 15,000 Membership Reward Points after spending $3,000 over 3 months.

Other Options

Amex has some other cards that could be paired up with these cards.  If your goal is to earn as many Membership Reward points as possible I would recommend the Amex Everyday Preferred card.  It could be an option instead of The Gold Card because it offers 3 points per dollar on Groceries, up to $6,000 (18,000 points)  You could even add this card and make it a Quadfecta setup if you maxed out the Grocery bonus on the Gold card.  If you use this card 30 or more times in a billing period you will earn 50% extra points on those purchases.  They are currently offering 15,000 Bonus Membership Reward Points after spending $2,000 in 6 months.

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