AMERICAN EXPRESS

 GOLD CARD

20,000 bonus points on joining and 2 points for £1 on Travel

2 points when spending abroad and at Supermarkets and petrol stations

1 point elsewhere

Transfer points to AF/KL, Alitalia, BA/BMI/DL/IB/, SAS, SQ and VA

Fee – £125 per annum, with 3 months free in first year. 2 Lounge passes earned.

Analysis

£12,000 of annual spending gived 32,000 points in first year

PLATINUM CARD

 

£300 Annual Fee and  40,000 bonus points on joining

Same earning rates as Gold Card but with a free Priority Pass membership

 

Analysis

£12,000 of annual spending gived 52,000 points in first year

===============================================================================================================================================================

DINERS CLUB

1 point per £5 charged

Access to 400 lounges worldwide

 

Analysis

 £12,000 of annual spend = 2,400 points.

With a transfer rate of 400 points to 1,000 AA miles this is 6,000 AA miles per annum. Not a very good exchange rate at all.

===============================================================================================================================================================

OVERVIEW:

Clearly the American Express cards come with high fees but can earn a significant number of Membership Rewards points which can then be transferred to your frequent flyer programme of choice, to perhaps top off a balance earned by other activities