TAP Miles&Go American Express®
First Electronic Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of First Electronic Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
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..
- Top category
- Travel
- Effective value
- 1.6%
- Annual fee
- $79
Best for travel-heavy spend when the $79 fee fits your usage; confirm issuer terms before applying. 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.
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 79% of the 2,849 cards we track in that category. The five-category effective-rate table on this page shows how TAP Miles&Go American Express compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight taxis.
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 79% of the 2,849 cards we track in that category. The five-category effective-rate table on this page shows how TAP Miles&Go American Express compares across dining, grocery, gas, travel, and other spend.
| 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.
- 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 79% 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.
Pros
- Strongest Madeen category is travel at about 1.6% effective (2x miles).
- That travel rate ranks higher than about 79% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
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.
What is the TAP Miles&Go American Express welcome bonus?
In Madeen's catalog snapshot, the TAP Miles&Go American Express welcome offer is 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 — confirm on the issuer application page before applying.
- Offer
- 40k TAP Miles&Go (~$320 estimated)
- Terms (catalog snapshot)
- Earn 40,000 Bonus Miles *After spending $2,500 in the first 90 days.
- Minimum spend
- $2,500
- Window
- 90Days
Does the TAP Miles&Go American Express have an annual fee?
The TAP Miles&Go American Express has an annual fee of $79 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $79
- Foreign transaction fee
- None
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.
Lounge access
Two passes to the TAP Premium Lounge at Lisbon Airport.
Free checked bag
$60/yrCheck an extra bag on your TAP Air Portugal flights, twice per year.
How we value this
Editorial: One domestic checked bag per round trip (~2 bags/year × ~$30) for occasional travelers.
What benefits come with the TAP Miles&Go American Express?
Lounge passes
$99/yrTwo passes to the TAP Premium Lounge at Lisbon Airport.
Extra baggage
$25/yrCheck an extra bag on your TAP Air Portugal flights, twice per year.
Preferred boarding
$25/yrFaster boarding for you and your travel companions on flights operated by TAP.
Earn Status Miles
For every 5 miles earned with your card, earn 1 Status Mile, up to 10k per Annual Qualification period.
Related encyclopedia topics
Common questions about the TAP Miles&Go American Express
Where do cardholders spend most with the TAP Miles&Go American Express?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on taxis and ride shares (2x), lodging (2x), rental cars (2x) for the TAP Miles&Go American Express. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
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.
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.
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.
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.
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. Compare effective rates across the cards you already carry in Madeen.
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 |
Side-by-side comparisons
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First Electronic Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of First Electronic Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
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