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TPG Reader Hall of Fame: $605,000 in vacations for 15 million points
Carissa is freelance writer and points and miles expert.
February 28, 2020 • 38 min read
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
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By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
Related stories
TPG featured card
Quick summary
A family accumulated nearly 15 million points and miles over seven years, enabling extensive international travel for six people, often in premium cabins and luxury hotels.
Their strategy involved applying for a wide range of travel rewards cards across the U.S. and Canada, maximizing welcome bonuses and maintaining flexibility in point usage.
Trips included destinations across Europe, Asia, North America and beyond, with detailed breakdowns of points spent and value received for both flights and hotels.
The article provides specific redemption examples, showing how strategic use of points can unlock significant travel value, especially for larger families.
What to consider
Some offers referenced are no longer available, so current terms may differ.
The family prioritized collecting welcome bonuses without immediate plans, allowing for opportunistic redemptions when high-value options arose.
Point valuations are provided per TPG's valuations as of the article's publication date, offering a benchmark for assessing redemption value.
What you'll miss from the article
A detailed look at how one family leveraged points and miles for multi-year, multi-continent travel, including specific redemption values and logistical insights for large-group award travel.
Generated by AI with support from our editorial team.
Update: Some offers mentioned below are no longer available. View the current offers here.
Today's Reader Hall of Fame story is absurd. And when we say absurd, we mean it in the best way possible. The story brought to you here today is courtesy of Darren and his family, who have spent the last seven years amassing points and spending them for the most far-flung vacations you can imagine.
Darren and his family have a small business, which helped them build up a massive stash of points. Aside from this, applying for nearly every top travel rewards credit card over the years has meant tons of rewards in welcome bonuses.
This includes cards for Darren and his wife and versions of credit cards in both the U.S. and Canada — so that they've got a total of 45 open cards. Here's just a sampling of some the U.S. cards they're using:
Chase Sapphire Reserve: Earn 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.
Chase Ink Business Plus (no longer available to new applicants, replaced with Ink Business Preferred Credit Card): Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months.
Ink Business Unlimited Credit Card (x2): Earn a $750 bonus after you make $7,500 in purchases within the first three months of account opening
Marriott Bonvoy Boundless Credit Card (x2): Currently offering 100,000 bonus points after spending $3,000 on purchases in your first three months from account opening.
Marriott Bonvoy Business® American Express® Card: Earn 100,000 bonus points after you use your new card to make $4,000 in purchases within the first three months of card membership.
IHG Rewards Premier Credit Card: Earn Earn 140,000 bonus points + 1 free night after spending $3,000 on purchases within the first three months of account opening.
The Hilton Honors American Express Business Card: Earn 130,000 Hilton Honors bonus points after you spend $3,000 in purchases on the card in the first three months of card membership.
The Amex EveryDay® Preferred Credit Card from American Express: Earn 15,000 American Express Membership Rewards points after after you use your new card to make $1,000 in eligible purchases within the first three months of card membership. Terms apply.
Hilton Honors American Express Surpass® Card: Earn 130,000 Hilton Honors bonus points after you spend $2,000 in purchases on the card in the first three months of card membership.
Hilton Honors Aspire Card from American Express (x2): Earn 150,000 bonus points after after you use your new card to make $4,000 in eligible purchases within the first three months of card membership. Terms apply.
American Express® Business Gold Card: Earn 70,000 bonus points after you spend $10,000 on eligible purchases in the first three months of card membership. Terms apply.
Alaska Airlines Visa Signature® credit card (x2): Limited time offer-50,000 bonus miles plus Alaska's Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) with this offer. To qualify, make $2,000 or more in purchases within the first 90 days of opening your account.
Citi® / AAdvantage® Platinum Select® World Elite Mastercard® (x2): Earn 50,000 bonus miles after you spend $2,500 on purchases in the first three months from account opening
The information for the Citi AAdvantage Platinum, Hilton Aspire Amex card, Amex EveryDay Preferred Credit Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Where exactly have they gone with 15 million of these points? Darren shared an astounding (and impressive) list:
Our first trip was just for myself to be able to visit with my mother when she had a health emergency in 2014.
Second trip was to send my father and a helper from Edmonton to Washington, D.C. to receive an award for his wine making.
Our next trip, my wife, four children and I flew business class from Orlando to London and return from Munich (on Lufthansa) and my mother and father-in-law from Edmonton to London and return from Munich (on Air Canada). We used 800,000 United Miles transferred over from Chase Ultimate Rewards, as well as welcome bonuses from the United MileagePlus credit cards.
We followed that up with a trip from Orlando to Costa Rica at Thanksgiving in 2014.
Next was a trip from Orlando to Vancouver for six of us where we had to renew our U.S. entrepreneur visas. We then went on to visit family for Christmas.
For 2015, the six of us went to Montreal (12-hour connection to visit old Montreal and have some poutine!), Athens, Rhodes, Bodrum, Cairo, Luxor, Amman (Petra), Istanbul, London and New York.
In 2016, our big trip for the six of us was to Hong Kong, Macao, Shanghai (we were at Shanghai Disney for the second day of it's grand opening!), Tokyo, Osaka/Kyoto, and Beijing.
Also in 2016, the six of us took a short trip to Washington using 53,500 Southwest points (and a Southwest Companion Pass).
In 2017, we moved across the continent, so no big summer overseas trip, but we did drive from Orlando to Edmonton over the course of 13 days.
For Christmas, 2017, I gave my wife and two oldest children tickets to see Hamilton in Chicago (which is way better than seeing Chicago in Hamilton!).
Also in 2017, my wife and I celebrated our 25th anniversary by taking a trip without the children to Sorrento, Pompeii, Naples, Venice, Innsbruck and Vienna.
In spring, 2018, all six of us went to Lima, Paracas, Cusco (Machu Picchu) and Lake Titicaca.
In the summer of 2019, all six of us went to Ireland and New York for a total of 13 days.
Finally, in the fall of 2019, my wife and I went completely around the world without the children. We flew from Edmonton to Dubai in business, Dubai to Singapore (two-night stopover) to Siem Reap in first class and business, Siem Reap to Da Nang using Servus Circle Rewards (the rewards program at our local credit union). We also took advantage of the Cathay Pacific first class ultra-low fare from Da Nang to Vancouver for $1,600 between us and then flew onward from Vancouver to Edmonton.
If you're out of breath just reading that, you're not alone. That's a ton of travel! The logistics of flying six (or more) people together in premium cabins is practically a full-time job. Here are the total points they've spent:
Program
Points used
Current TPG valuation (cents per point)
American Express
131,178
2
Citi
31,158
1.7
Chase
1,505,834
2
Alaska Airlines
125,000
1.8
ANA
234,000
1.4
Virgin Atlantic
50,000
1.5
American Airlines
842,500
1.4
Delta
9,500
1.2
United Airlines
1,805,000
1.3
Southwest Airlines
84,168
1.5
Sinapore Airlines
190,000
1.3
Avianca
39,000
1.7
Aeroplan
1,225,000
1.5
British Airways
314,000
1.5
Radisson
752,000
0.4
Wyndham
105,000
1.1
Hyatt
711,500
1.7
Choice
56,000
0.6
Marriott
1,360,000
0.8
IHG
957,000
0.5
Hilton
4,272,800
0.6
SPG
67,000
N/A
Servus Circle Rewards
58,390
Airmiles
8,500
Total points used
14,934,528
What does Darren have to say about all of this?
"We have always obtained as many welcome bonuses as we could when the offers seemed particularly lucrative without knowing where we might use the points or miles. This method to our madness has served us well, as having numerous options available, especially for hotels, allows us to use the ones that are most lucrative in any given location.
With four children, our budget would not have allowed us to travel to virtually any of these places even in economy seats and budget hotels, but with points and miles, we have been able to show our children the world and, frankly, spoil them with business-class flights and luxury hotels!"
Bodrum to Cairo to Luxor- Cairo to Amman to Istanbul
$4,753
132,000
$0.0360
Shanghai-Tokyo to Beijing
$5,101
102,000
$0.0500
Total
$9,854
234,000
$0.0421
British Airways
Miami-Liberia
$4,573
90,000
$0.0508
Orlando-Miami
$1,590
54,000
$0.0294
Hong Kong-Shanghai
$1,893.19
45,000
$0.0421
Montreal-Dublin
$2,264
50,000
$0.0453
Montreal-Dublin
$8,022
75,000
$0.1070
Total
$18,343.08
314,000
$0.0584
Aeroplan
Orlando-New York
$895
50,000
$0.0179
Edmonton-Orlando
$2,029
75,000
$0.0271
Edmonton-Orlandon
$508
25,000
$0.0203
Vancouver-Edmonton
$1,385
55,000
$0.0252
Orlando-Athens
$54,820
315,000
$0.1740
Dublin-New York
$21,053
330,000
$0.0638
Edmonton-Baltra to Quito to Panama City
$25,026
375,000
$0.0667
(Photo courtesy of Darren Keast.)
Here are the points they used for hotels:
Hotel Points
Radisson
City
Hotel
Nights
Value
Points
Value per point
London
Park Plaza Westminster Bridge
4
$2,278
124,000
$0.0184
London
Park Plaza County Hall
4
$1,774
124,000
$0.0143
Athens
Radisson Blu
8
$1,719
152,000
$0.0113
Istanbul
Radisson Blu Bosphorous
4
$2,386.08
150,000
$0.0159
Belize City
Radisson Fort George
4
$1,241
114,000
$0.0109
Dublin
Radisson Blu Dublin Airport
2
$460
88,000
$0.0052
Total
$9,859
752,000
Hyatt
Berlin
Grand Hyatt Berlin
4
$1,289
37,500
$0.0344
Paris
Park Hyatt Paris Vendome
6
$8,083
180,000
$0.0449
Costa Rica
Andaz Peninsula Papagayo
10
$4,909
150,000
$0.0327
Amman
Grand Hyatt Amman
4
$2,276
28,000
$0.1779
New Orleans
Hyatt French Quarter
1
$285
4,000
$0.0715
New Orleans
Hyatt French Quarter
2
$801
24,000
$0.0334
New York
Hyatt Regency on the Hudson
2
$864
24,000
$0.0360
Tokyo
Hyatt Regency Tokyo
6
$4,779.00
120,000
$0.0398
Tokyo
Hyatt Regency Tokyo
3
$1,034
36,000
$0.0287
Jacksonville
Hyatt Regency Jacksonville
1
$227.12
7,200
$0.0315
Park City, Utah
Hyatt Place Park City
2
$495
30,000
$0.0165
Vienna
Park Hyatt Vienna
2
$1,299
50,000
$0.0260
Orlando
Hyatt Regency Orlando Airport
1
$362.30
12,000
$0.0302
Siem Reap
Park Hyatt Siem Reap
2
$1,340.47
24,000
$0.0559
Total
$28,048.
711,500
IHG
Paris
Intercontinental Paris Le Grand
2
$1,647
70,000
$0.0235
Munich
Holiday Inn Munich Unterhaching
4
$767
72,000
$0.0107
London
Intercontinental Park Lane
3
$1,844
150,000
$0.0123
New York
Intercontinental New York Times Square
4
$2,373.26
200,000
$0.0119
Edmonton
Staybridge Suites West Edmonton
10
$1,813
45,000
$0.0403
Culpeper
Holiday Inn Express, Culpeper
2
$269
6,000
$0.0449
Ruckersville
Holiday Inn Express, Ruckersville
1
$247.80
20,000
$0.0124
Ruckersville
Holiday Inn Express, Ruckersville
1
$165
8,000
$0.0207
Moab
Holiday Inn Express, Moab
2
$477
80,000
$0.0060
Lima
Holiday Inn Lima Airport
2
$306.32
26,000
$0.0118
New York
Kimpton Eventi
4
$2,485
280,000
$0.0089
Total
$12,398
957,000
Wyndham
Billings
Days Inn Billings
2
$205
30,000
$0.0068
West Yellowstone
Days Inn West Yellowstone
4
$1,271
60,000
$0.0212
Cochrane
Super 8 Cochrane
1
$377
15,000
$0.0252
Total
$1,853.93
105,000
Chase
Edmonton
Hotel MacDonald
2
$612
22,505
$0.0272
Pompeii
Hotel Forum
1
$131
8,774
$0.0150
Puno
Tierra Viva Puno Plaza
3
$257
17,136
$0.0150
Aguas Caliente
Taypikala Boutique Machupicchu
2
$292
15,604
$0.0188
Husavik
Fosshotel Husavik
3
$570
38,000
$0.0150
Neskaupstadur
Hildibrand Hotel
1
$412
27,490
$0.0150
Hofn
Hotel Jokull
3
$831
55,410
$0.0150
Kirkjubaejarklaustur
Hotel Geirland
2
$587
39,198
$0.0150
Kingscourt
Cabra Castle Hotel
3
$733
47,538
$0.0154
Puerto Villamil
Hotel Cally Galapagos
6
$597
39,844
$0.0150
Puerto Ayora
Hotel Coloma
9
$885
59,052
$0.0150
Total
$5,911.95
370,551
Choice
Butte, MT
Econolodge Butte
1
$118
8,000
$0.0148
Ennis, Ireland
Hotel Woodstock
4
$636
48,000
$0.0133
Total
$754.84
56,000
Marriott
Bremen
Courtyard Bremen
6
$1,093
90,000
$0.0121
Bodrum
JW Marriott Bodrum
2
$893
30,000
$0.0298
Washington
Residence Inn Arlington
1
$431
25,000
$0.0173
Edmonton
Renaissance Marriott at the Airport
1
$201
15,000
$0.0134
Marion, Illinois
Fairfield Inn, Marion Illinois
2
$546
30,000
$0.0182
Calgary
Courtyard Calgary South
2
$328.38
40,000
$0.0082
Independence, MO
Fairfield Inn, Independence
2
$347.64
30,000
$0.0116
Vienna
MOXY Vienna Airport
1
$116
15,000
$0.0078
Edmonton
Renaissance Marriott at the Airport
1
$237
15,000
$0.0158
Cusco
JW Marriott El Convento
6
$3,273
240,000
$0.0136
Calgary
Delta Calgary South
2
$447
40,000
$0.0112
Anaheim
Residence Inn Anaheim Convention Center
2
$585
70,000
$0.0084
Enniskerry
Powerscourt Hotel
3
$910
105,000
$0.0087
Edmonton
Renaissance Marriott at the Airport
1
$366
20,000
$0.0183
Dubai
Al Maha Desert Resort
3
$5,677
180,000
$0.0315
Da Nang
Sheraton Grand DaNang
3
$793
105,000
$0.0076
Vancouver
Westin Wall Centre
1
$222
35,000
$0.0063
Calgary
Delta Calgary South
2
$390
25,000
$0.0156
Toronto
Sheraton Gateway in YYZ
2
$421
70,000
$0.0060
Flight YEG to GPS to UIO to PTY to YEG
$5,173.94
180,000
$0.0287
Total
$21,364
1,360,000
Hilton
Miami
Hilton Miami Downtown
1
$405
47,800
$0.0085
New York
Double Tree Suites Times Square
2
$1,005
160,000
$0.0063
Versailles
Waldorf Astoria Trianon Palace at Versailles
3
$2,449
240,000
$0.0102
Luxor
Hilton Luxor
6
$1,552
72,000
$0.0216
New York
Doubletree Suites Times Square
2
$814
80,000
$0.0102
St Augustine Beach
Hilton Garden Inn
2
$260
32,000
$0.0081
Hong Kong
Conrad Hong Kong
4
$3,485
320,000
$0.0109
Macau
Conrad Macao
4
$3,014
64,000
$0.0471
Shanghai
Waldorf Astoria Shanghai on the Bund
2
$1,874
160,000
$0.0117
Tokyo
Conrad Tokyo
4
$3,683
320,000
$0.0115
Osaka
Hilton Osaka
4
$1,907
200,000
$0.0095
Beijing
Doubletree Beijing
9
$1,759
90,000
$0.0196
Los Angeles
Embassy Suites LAX South
2
$491
80,000
$0.0061
Edmonton
Hampton Inn Sherwood Park
1
$96
17,000
$0.0057
Lake City
Home2 Suites
1
$177
29,000
$0.0061
Chattanooga
Embassy Suites at Hamilton
1
$223
34,000
$0.0066
Colby, Kansas
Hampton Inn Colby
2
$277
46,000
$0.0060
Breckenridge, CO
Doubletree Breckenridge
2
$489
68,000
$0.0072
Great Falls, Montana
Hampton Inn Great Falls
2
$293
51,000
$0.0057
Chicago
Hampton Inn Majestic
2
$760
100,000
$0.0076
Chicago
Hilton O'Hare Airport
1
$261
39,000
$0.0067
Sorrento
Hilton Sorrento Palace
2
$1,152
102,000
$0.0113
Venice
Hilton Molino Stucky
2
$1,318
104,000
$0.0127
Innsbruck
Hilton Innsbruck
1
$379
40,000
$0.0095
Paracas
Doubletree Resort Paracas
6
$2,366
238,000
$0.0099
Cusco
Hilton Garden Inn Cusco
2
$527
78,000
$0.0068
Orlando
Doubletree Suites Orlando
3
$627
91,000
$0.0069
Reykjavik
Hilton Reykavik Nordika
3
$1,689
180,000
$0.0094
Reykjavik
Reykjavik Konsulat
3
$2,444
210,000
$0.0116
San Diego
Hotel del Coronado
3
$2,031
285,000
$0.0071
Belfast
Hilton Belfast Templepatrick
6
$1,096
180,000
$0.0061
New York
The London NYC
4
$2,420
380,000
$0.0064
Las Vegas
Home2 Suites Las Vegas Strip South
1
$114
15,000
$0.0077
Singapore
Conrad Centennial Singapore
2
$1,139
120,000
$0.0095
Total
$42,593
4,272,800
SPG
Weimar
Hotel Elephant
4
$904
40,000
$0.0226
Cairo
Le Meridien Cairo Airport
2
$382
8,000
$0.0478
Cairo
Le Meridien Pyramids (suites)
2
$483
12,000
$0.0403
Rhodes
Sheraton Rhodes
2
$279
7,000
$0.0400
Total
$2,049
67,000
Darren and family have completely blown us away with their points savvy and incredible trips. You guys are truly an inspiration!
Updated on 9/7/22.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
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$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Intro offer
As High As 100,000 points. Find Out Your Offer.
Pros + cons
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Intro offer
As High As 100,000 points. Find Out Your Offer.
Pros + cons
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Intro offer
As High As 100,000 points. Find Out Your Offer.
Pros + cons
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
