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TAP Miles and Go American Express Card vs IHG One Rewards Premier

Both are well-respected travel cards. The TAP Miles and Go American Express Card comes from Cardless at $79/yr; the IHG One Rewards Premier from Chase at $99/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the IHG One Rewards Premier is the stronger pick today, the sign-up bonus is meaningfully larger ($925 more in estimated value) than the TAP Miles and Go American Express Card's. Get the IHG One Rewards Premier first; revisit the TAP Miles and Go American Express Card after you've earned that bonus.

FeatureTAP Miles and Go American Express CardIHG One Rewards Premier
Annual fee$79$99
Sign-up bonus40,000 bonus miles185,000 bonus points
Bonus value (est.)-$925
Min spend to unlock bonus$2,500 in 3 mo$3,000 in 3 mo
IssuerCardlessChase
Card categoryairlinehotel
Best earning category (Tap_air_portugal)3x1x
Transfer partnersNoneNone
Headline benefits
  • 3x miles on TAP purchases
  • 2 Lisbon lounge passes per year
  • Free extra checked bag
  • Star Alliance redemptions
  • Free night award annually
  • Platinum Elite status
  • 4th night free on awards
  • 10x at IHG properties
Read the full review
TAP Miles and Go American Express Card
$79/yr · 40,000 bonus miles
Read the full review
IHG One Rewards Premier
$99/yr · 185,000 bonus points

Editorial take: TAP Miles and Go American Express Card

The only US co-branded card for a European Star Alliance carrier. Useful if you fly TAP to Lisbon or onward Europe several times a year, since the lounge passes, free extra bag, and Premium Boarding can each be worth more than the $79 annual fee on a single transatlantic trip.

Editorial take: IHG One Rewards Premier

A solid hotel card if you stay at IHG properties regularly. The free night award and 4th night free on award stays can easily offset the $99 annual fee.

Common questions

Which card has the bigger sign-up bonus, TAP Miles and Go American Express Card or IHG One Rewards Premier?
The IHG One Rewards Premier has a public bonus (185,000 bonus points, worth roughly $925), while the TAP Miles and Go American Express Card doesn't advertise one right now.
Is the TAP Miles and Go American Express Card's $79 annual fee worth it compared to the IHG One Rewards Premier?
At $79/yr, the TAP Miles and Go American Express Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the IHG One Rewards Premier's, pick the one whose perks you'll actually use.
Can I have both the TAP Miles and Go American Express Card and IHG One Rewards Premier?
Yes, since they're from different issuers (Cardless and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the TAP Miles and Go American Express Card or the IHG One Rewards Premier first?
Get the one whose sign-up bonus you can hit comfortably without overspending. TAP Miles and Go American Express Card: $2,500 spend in 3 months. IHG One Rewards Premier: $3,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.