TAP Miles&Go American Express®
The TAP Miles&Go American Express® from First Electronic Bank earns up to 1.6% effective value on travel in Madeen's catalog snapshot. Its annual fee is $79. New applicants may see: Earn 40,000 Bonus Miles *After spending $2,500 in the first 90 days.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Travel
- Effective value
- 1.6%
- Annual fee
- $79
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the TAP Miles&Go American Express earn in each category?
Travel is the strongest category at 1.6% effective value (2x miles at about 0.8 cents each). That travel rate ranks higher than about 65% of the 1,546 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Travel is the strongest category at 1.6% effective value (2x miles at about 0.8 cents each). That travel rate ranks higher than about 65% of the 1,546 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x miles | 0.8% |
| Grocery Supermarkets and grocery stores | 1x miles | 0.8% |
| Gas Gas stations and fuel | 1x miles | 0.8% |
| Travel Flights, hotels, transit | 2x miles | 1.6% Top category |
| Other General everyday spend | 1x miles | 0.8% |
Madeen values TAP Miles&Go at about 0.8 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the TAP Miles&Go American Express reward caps and conditions?
The TAP Miles&Go American Express has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 2x on hotels
Who should get the TAP Miles&Go American Express?
The TAP Miles&Go American Express fits spenders who put meaningful volume in travel and can earn 2x miles. Best for spenders who put meaningful volume in travel and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
TAP Miles&Go American Express fits spenders who put meaningful volume in travel and can earn 2x miles. Madeen ranks its travel effective rate higher than about 65% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in travel and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Less compelling if the $79 annual fee is hard to offset.
Best for travel-heavy spend when the $79 fee fits your usage; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is travel at about 1.6% effective (2x miles).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $79 annual fee requires enough spend in bonus categories to offset.
- TAP Miles&Go value depends on how you redeem, not straight cash back.
Does the TAP Miles&Go American Express have an annual fee, and what's the welcome bonus?
The TAP Miles&Go American Express has an annual fee of $79 and a foreign transaction fee of None. New applicants may see: Earn 40,000 Bonus Miles *After spending $2,500 in the first 90 days.. Confirm current issuer terms before applying.
- Annual fee
- $79
- Foreign transaction fee
- None
- Signup bonus
- Earn 40,000 Bonus Miles *After spending $2,500 in the first 90 days.
What travel perks does the TAP Miles&Go American Express include?
The TAP Miles&Go American Express includes Lounge access, Free checked bag, Earn Status Miles, Extra baggage and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Lounge accessTwo passes to the TAP Premium Lounge at Lisbon Airport.
- Free checked bagCheck an extra bag on your TAP Air Portugal flights, twice per year.
What benefits come with the TAP Miles&Go American Express?
- Earn Status Miles
For every 5 miles earned with your card, earn 1 Status Mile, up to 10k per Annual Qualification period.
- Extra baggage
Check an extra bag on your TAP Air Portugal flights, twice per year.
- Lounge passes
Two passes to the TAP Premium Lounge at Lisbon Airport.
- Preferred boarding
Faster boarding for you and your travel companions on flights operated by TAP.
Common questions about the TAP Miles&Go American Express
Does the TAP Miles&Go American Express have an annual fee?
The TAP Miles&Go American Express carries an annual fee of $79 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the TAP Miles&Go American Express?
Travel is the strongest Madeen category for the TAP Miles&Go American Express at about 1.6% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the TAP Miles&Go American Express charge foreign transaction fees?
The TAP Miles&Go American Express does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the TAP Miles&Go American Express welcome bonus?
The TAP Miles&Go American Express welcome offer in our snapshot: Earn 40,000 Bonus Miles *After spending $2,500 in the first 90 days.. Minimum spend, eligibility, and offer windows are set by the issuer and can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Is the TAP Miles&Go American Express annual fee worth it?
Whether the $79 annual fee pays off depends on how much you spend in travel and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the TAP Miles&Go American Express?
Madeen's catalog lists a typical credit range of Good for the TAP Miles&Go American Express. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the TAP Miles&Go American Express compare to similar cards?
Compare the TAP Miles&Go American Express against Brooks Brothers World Mastercard (4% on Dining, $0 fee); Qatar Airways Privilege Club Infinite (3.8% on Dining, $499 fee); Bilt Obsidian Card (3% on Dining, $95 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
TAP Miles&Go American Express This card | Travel | 1.6% | $79 |
First Electronic Bank | Dining | 4% | $0 |
First Electronic Bank | Dining | 3.8% | $499 |
First Electronic Bank | Dining | 3% | $95 |
First Electronic Bank | Dining | 3% | $0 |
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