TAP Miles and Go American Express Card
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferEarn up to 40,000 bonus miles after spending $2,500 on the TAP Miles and Go Card within 90 days of account opening.
Benefits and fees last verified May 2026against the issuer's published terms.
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.
Earning Rates
At a glance
- 3x miles on TAP purchases
- 2 Lisbon lounge passes per year
- Free extra checked bag
- Star Alliance redemptions
Earning rates
4- flights
Earn 3 TAP Miles&Go miles per dollar on purchases made directly with TAP Air Portugal (flights booked on flytap.com, the TAP mobile app, or TAP ticket offices, plus TAP-coded ancillaries like seat selection, paid bags, and on-board purchases); this is the highest published earn rate on the card and one of the few ways to earn TAP miles at a multiplier on U.S.-issued plastic
- 1xgroceries
Earn 2 TAP Miles&Go miles per dollar at grocery stores in the U.S. (Cardless's grocery category is broad and includes most supermarkets, though warehouse clubs like Costco and Sam's Club, and superstores like Walmart and Target, typically code as 'discount stores' and earn at the 1X base rate)
- dining
Earn 1 TAP Miles&Go mile per dollar on all other eligible purchases, with no published spend cap on any of the bonus categories (the absence of a category cap is a competitive note relative to a handful of co-brand cards that throttle grocery and dining earn after a few thousand dollars per year)
- 3x
Stopover-in-Lisbon program: TAP Air Portugal famously allows free stopovers in Lisbon or Porto of up to 10 nights at no additional fare on TAP-operated transatlantic itineraries (the 'Portugal Stopover' program), which pairs well with the TAP Miles&Go Amex's 3X TAP earn and free checked bag benefit for U.S. flyers building a two-destination Europe trip
Transfer partners
2Statement credits
1- $79Best-fit positioning
Best-fit positioning: the TAP Miles&Go Amex is a niche co-brand card that earns its $79 annual fee back quickly for U.S. flyers who take even one TAP Air Portugal long-haul round-trip per year (free checked bag + no FX fees + 3X TAP + anniversary status credit), but is a poor fit for travelers who do not fly TAP and would be better served by a transferable-points card (Chase Sapphire Preferred, Amex Gold, Capital One Venture X) whose miles can be transferred to a broader set of airline programs
Perks & memberships
5- Airline perkOne free checked bag on TAP Air Portugal-operated flights for the primary cardholder when the TAP Miles&Go Amex Card is used to pay the fare; the benefit covers TAP's standard Discount/Basic fare class (which would otherwise charge for the first checked bag on long-haul Economy) and is one of the headline value drivers of the card for transatlantic TAP flyers
- No foreign feesNo foreign transaction fees on purchases made outside the United States, an essential feature on a co-brand card whose target customer flies internationally to Portugal and across Europe; the no-FX policy matches the post-refresh Delta SkyMiles Gold and is a meaningful upgrade over pre-2024 entry-tier airline cards that charged 2.7% FX
- Card networkAmerican Express network card: the TAP Miles&Go Amex is issued on the American Express payment network (not Visa or Mastercard), which means it is accepted at the same broad U.S. merchant base as other personal Amex cards but is meaningfully less accepted overseas in Europe than Visa/Mastercard alternatives; carry a backup Visa/Mastercard when traveling in Portugal and continental Europe
- RedemptionMonthly miles posting: TAP Miles&Go miles earned on Cardless purchases are credited to the cardholder's TAP Miles&Go account on a monthly cadence (typically within a few days of each statement closing), rather than annually or per-transaction, which is the standard cadence for U.S. co-brand cards and accelerates the cardholder's ability to redeem earned miles for award travel
- Status earningAnniversary status credit: TAP Miles&Go cardholders receive a status credit toward TAP Miles&Go Club elite tier qualification on each card anniversary, providing an annual lift toward Silver, Gold, or Platinum Club Miles&Go status without flying additional segments (the exact credit value is published in the card's terms and is one of the few ways for U.S.-based TAP flyers to make measurable Club status progress on the ground)
Travel & purchase protections
1- Purchase Protection and Extended Warranty: Cardless-issued cards generally include American Express network-level purchase protection and extended warranty benefits, though the specific per-claim and per-year limits on the TAP Miles&Go Amex are set by Cardless's underwriting agreement with Amex and should be verified in the card's benefit terms (Cardless's benefit packages are typically lighter than the legacy Amex-issued lineup)
More benefits & fine print (1)ShowHide
- Earn 2 TAP Miles&Go miles per dollar at restaurants worldwide, including takeout and delivery in the U.S., putting the dining category on par with the Delta SkyMiles Gold and Personal Platinum cards at a meaningfully lower annual fee
Before you decide, weigh alternatives
This is already one of the lower-fee cards in its category. Compare it side by side to confirm it is the right fit for how you spend.
How to Earn the Bonus
Spend $2,500 in the first 3 months to earn the 40,000 bonus miles bonus.
See the Current Offer
Earn 40,000 bonus miles
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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