What Credit Score Is Needed To Get A Best Buy Card
This means that when approving candidates, they strictly consider the creditworthiness required for the Best Buy card. HSBC is currently approving candidates with a credit score of 604 for a Best Buy credit card. There is no annual fee for using the HSBC Best Buy credit card.
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Why You Might Want A Different Card
The American Express Gold card comes with a high annual fee, has some limitations when it comes to redeeming points, and some cardholders are critical of it lacking lounge benefits when traveling. Although youll earn plenty of points by spending in its high-earning categories like at restaurants and supermarkets, using those points will require a clever strategy on your part to be sure that youre maximizing your rewards potential. If youre looking for a low-maintenance rewards card, the Amex Gold may not be for you. Especially if youre not sure youll earn at least $250 in rewards value annually to neutralize the annual fee.
Centurion Card From American Express
Centurion®members can bring two additional guests or immediate family members intoAmex lounges with them free of charge, and can also buy day passes foradditional guests for $50 each.
This card is available by invitation only, sodont expect to see an application link anywhere online. While American Expressdoesnt publicly disclose the invitation criteria, its various fees can runthousands of dollars.
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Best Metal Credit Cards
What do credit cards have the best rewards?
- On the hunt for Flex Freedom
- Chase Sapphire Preferred Card
- American Express Blue Business Plus credit card
- Capital One Savor Cash Rewards Credit Card
- Capital One Venture Rewards Credit Card
- American Express Blue Cash Preferred Card
- Citi Personalized Cash Card
Disadvantages Of The American Express Gold
The American Express Gold is a specialized card. Beyond dining, supermarkets and airfare, youll earn only 1 point for every dollar you spend on everything else. This means the card works best when paired with a card like our benchmark credit card, the Citi® Double Cash Card, for purchases that dont fall into the Gold Cards bonus categories.
While the included credits are worth almost as much as the annual fee each year, they take a bit of strategy to use. The credits are capped at $10 per month, so you cant just use them in one fell swoop. Plus, the list of eligible restaurants is small. If you live in an urban area where Grubhub and Seamless are available, utilizing this credit becomes easier. But if you dont, maximizing the dining credit can be a challenge.
Also, while this wont impact many families, the 4x return at U.S. supermarkets is capped at $25,000 per calendar year with the Gold Card. If you spend more than that on groceries in a year, youll earn just 1 point per dollar after that.
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Digging Into The American Express Gold
The American Express Gold is a standout card, largely due to its clear efforts to be top-of-wallet in a few categories that are significant to many US households. Take a look at your budget do you spend a fair amount of your cash on food right now? Chances are, the answer is yes.
Amex designed the Gold Card to cater to those who spend nontrivial amounts at restaurants and on groceries, offering 4 points for every dollar you spend at restaurants worldwide and at supermarkets in the United States. Youll also net 3 points per dollar on flights booked directly with airlines, which isnt too shabby.
The current 60,000-point welcome bonus available after you spend $4,000 on purchases in your first six months of card membership is the highest bonus offer weve ever seen available on this card. And those Membership Rewards points are worth at least $600 when you redeem them via Amex Travel for airfare, and potentially a lot more than that with Amexs transfer partners.
Also, in 2018, American Express introduced a limited-time Rose Gold design for the Amex Gold, which was so popular that it was brought back again for a short while in 2019. Now, the issuer has announced that Rose Gold will be a permanent option for new card members going forward. That means you can choose between either the original Gold or Rose Gold design when youre approved for the card.
Shop And Travel With 8 Types Of Insurance Coverage
Travel Emergency Medical Insurance10
Coverage is provided for eligible persons under age 65 for up to 25 consecutive days, and for eligible persons age 65 and older for up to 3 consecutive days.
As a Scotiabank Gold American Express cardmember , you, your spouse and your dependent children are each eligible for up to $1 million in emergency medical coverage if sudden and unexpected illness or accidental injury should occur while travelling outside your province or territory of residence in Canada.
Coverage includes eligible expenses for hospital care, nursing care, prescription drugs, licensed ambulances and physicians’ and surgeons’ fees, as well as other eligible medical services and supplies.
The date of departure is counted as the first day.
This benefit is subject to an exclusion for pre-existing medical conditions.
If you are under age 65 and are travelling for more than 25 days or if you are age 65 and older and travelling for more than 3 days, you may choose to purchase additional days from the insurer prior to your departure date by calling 1-877-222-7342. You will receive a separate Certificate of Insurance if you choose to purchase this coverage.
Trip Cancellation/Trip Interruption Insurance10
Protect your travel investment with trip cancellation and trip interruption insurance at no extra cost when you charge at least 75% of your trip costs to your Card.
Flight Delay Insurance10
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Limitations On Travel Spending
Although transferring points for travel is a clear benefit of the Amex Gold and is arguably its best redemption option, rewards for spending on travel are a bit underwhelming. Youll earn just 3 points per dollar on flights booked directly with airlines or through the American Express Travel portal.
Although this rewards rate is solid at a glance, its held back by the fact that only airfare purchased through American Express Travel counts as travel with the Amex Gold. You wont earn bonus points for flights booked with third-party travel flights or for hotel bookings or rental cars.
American Express Gold Vs The Platinum Card From American Express
The American Express Platinum card could be a better choice if its luxury benefits and top-tier 5X points on eligible travel and hotels would be more lucrative for you. Whether or not the $695 annual fee on the Platinum card is worth it will depend on your spending habits and how many of its features you plan to use, but there are plenty of added perks to help neutralize some of the required spending for you.
The American Express Gold and Platinum naturally earn the same type of rewards and can be redeemed similarly, but the Amex Platinums rewards are weighted heavily toward airfare and hotel travel purchases while the Amex Gold caters toward dining and U.S. supermarket spending. The Platinum Cards 10X points on restaurants worldwide for the first six months is a seriously alluring offer for foodies abroad, but the stellar rate is temporary. Considering that the Amex Gold also earns 3X points on airfare and offers several dining credits, the Gold is a much better choice for the cost if you value rewards spending on food over premier travel benefits.
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Top Cardmatch Offer: Amex Gold 75k Offer
New to American Express cards? That seems to be your best bet to qualifying for this 75,000-point offer through CardMatch. On the bright side, Amex has recently been targeting more users that have an excellent credit score regardless of their history with the bank.
Still, these offers wont be available for all users. So just check and see what you can pull up. As we mentioned, the normal welcome bonus offer on the American Express® Gold Card is 60,000 points after $4,000 in spending in the first six months. That in itself is outstanding: For years, the bonus has been 35,000 points for the same spending requirement.
This Amex Gold increased offer to earn 75,000 Membership Rewards points after spending the $4,000 in three months matches the highest bonus offer ever for this card.
You can easily get $750 in free travel from this bonus and likely several times more than that. Check out some of the best ways to use your bonus from the Amex Gold Card.
Just recently, American Express has reintroduced the flashy Amex Rose Gold version of the physical metal credit card.
If youve never heard of CardMatch, its run by Creditcards.com and helps prospective cardholders find targeted credit card offers. Every person will likely have different offers presented to them based on what cards they hold in their wallet. The best part is there is no hard credit pull to see what youre targeted for. Filling out the formwill not impact your credit score.
Delta Skymiles Reserve American Express Card
Delta SkyMiles® Reserve American Express Card cardholders need to be flying on a same-day Delta-marketed or -operated flight to be able to access Amex lounges. You can bring up to two guests per visit with you for $50 per person.
The Delta SkyMiles® Reserve American Express Card comes with a welcome bonus of 40,000 bonus miles plus 10,000 Medallion® Qualification Miles, or MQMs, after you spend $3,000 in purchases in the first 3 months your account is open.
Youll also earn three miles per $1 spent on Delta purchases, and one mile per $1 on all other purchases. This card has a $550 annual fee.
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People Who Are Under 5/24 And Want More Chase Cards
As mentioned above, Chases 5/24 rule is one of the most important considerations in building a starter strategy for credit cards. Five cards can seem like a lot to someone who has never even had one before, but those slots go by quickly and once youve used them up, it takes a while to get them back.
The Amex Gold is probably going to be around for a while, so theres no reason to fire off an application for it right now if it means compromising your strategy with Chase.
People Looking To Complete The Amex Trifecta
The two biggest weak spots in the Amex Gold Cards bonus categories can be easily fixed by pairing it with one of two other strong Amex cards: The Platinum Card® from American Express or The Blue Business® Plus Credit Card from American Express.
No matter how much money you spend on dining and groceries a year, youll likely want to combine multiple cards into the Amex trifecta to maximize your bonus-category earning.
If you combine these three cards and use each one for its bonus categories, youll end up earning anywhere from 2-5x points, or 4-10% back on nearly all of your purchases. And these cards really fit together like puzzle pieces, with the Amex Platinum providing luxury perks, such as lounge access and hotel elite status, that the Gold Card doesnt, and the Blue Business Plus elevating your base earning rate on non-bonus spending from 1x to 2x without costing you a penny in annual fees .
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Is Capital One Venture The Best Metal Card To Have
Capital One Venture also has a reasonable annual fee and has no foreign transaction fees. When you consider that cardholders can use miles to pay for travel-related purchases that are charged to their account, it becomes clear why Capital One Venture is the best metal card and one of the best cards in the world.
How To Get Your Own Rose Gold Version
The rose gold version was first unveiled for a limited time in the summer of 2018, only to return again briefly in the summer of 2019 via referral only. Anyone who didnt get it within one of those windows was out of luck. Now its a heck of a lot easier to get your hands on this hot hue.
For those interested in applying for the card, you can select from either the traditional gold version or the rose gold version during the application process. But if you already own the Gold card in the traditional yellow gold version, you can call American Express and ask them to send you a rose gold version.
You should know that American Express has not stated any end date for the availability of rose gold version Amex Gold. Keep in mind that even if youre drawn to the card for its color, that shouldnt factor into your decision to apply. Before applying for thisor any other card make sure that your spending patterns match up with this cards attributes.
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Can You Get Lounge Access With The American Express Gold Card
The American Express® Gold Card doesnt come with complimentary lounge access.
If the steep annual fee for the Platinum Card® from American Express isnt worth it to you, but you still want occasional lounge access, the American Express® Green Card comes with $100 in yearly statement fee credits for LoungeBuddy, a program that lets you book lounge passes starting at $25.
What Is The Amex Rose Gold Card
The Amex Rose Gold Card is the same as the Amex Gold Card, except for the formers distinctive tint. Both color options feature the same rewards scheme and cardholder benefits, and both earn points in the lucrative and popular American Express Membership Rewards program.
Keep in mind that Amex Membership Rewards are one of the most flexible rewards currencies you can earn. You can use Amex Membership Rewards to book travel through AmexTravel.com or for point transfers to Amex airline and hotel partners. Meanwhile, you can also redeem Amex Membership Rewards points for statement credits, purchases made directly with retailers, gift cards and more.
Tip: At the moment, you can get preapproved through CardMatch for a welcome bonus of up to 75,000 points on the American Express® Gold Card and 150,000 points on the The Platinum Card® from American Express. When you see the preapproved banner in CardMatch instead of prequalified, you have even better chances of getting the card. Additionally, you may be able to get preapproved for the Blue Cash Preferred® Card from American Express or Blue Cash Everyday® Card from American Express. Head over to CardMatch to check offers you qualify for without any impact to your credit.
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No Foreign Transaction Fee
International purchases, whether youre traveling abroad or shopping online from foreign merchants, wont cost you extra with Amex Gold, thanks to its 0% foreign fee. The average credit card adds 1.46% to every international charge. And many American Express credit cards charge a foreign transaction fee of 2.7%.
Alternate Rose Gold Card Art
In February 2021, American Express brought back the fan-favorite Rose Gold alternative card art for both new applicants and current cardholderspermanently. This rose gold tint was previously only available for limited times and only through referral offers. You can choose either the traditional Gold or the Rose Gold art prior to submitting your application, or you may be eligible to request the Rose Gold art if youre already an Amex Gold cardholder.
Although the Rose Gold card is the exact same card as the normal American Express Gold , this rosy finish could be a quaint benefit if the previously limited-time opportunities slipped through your fingers.
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How To Get The Most Out Of The Amex Gold
While the Amex Gold does cost $250 per year to carry, there are plenty of reasons to consider applying. Some of them have to do with the value you can get out of the card, yet some people have applied just to get their hands on the Rose Gold version of the card, which Amex recently made available on a permanent basis.
Either way, here are some tips to get the most out of your card:
- Try out our CardMatch tool to see if you qualify for a more generous welcome offer than what is being offered to the public.
- Add your Amex Gold Card as the preferred method of payment on your Uber account so you can take full advantage of each months Uber credits.
- Keep an eye on Amex Offers that apply to your card, which can help you earn more Amex points or bonus cash on eligible purchases.
- Look for opportunities each month to use your $10 in monthly dining credits. If you dont live near a restaurant that qualifies for this credit, check out Grubhub food delivery options in your area.
- Use your card for airfare purchases made through AmexTravel.com or for airfare purchases made directly with airlines to maximize the 3X points category.
- Avoid using Amexs Pay Over Time feature, which will leave you forking over interest at a 15.99% to 22.99% variable APR.