TAP Miles&Go American Express® Credit Card
A $79-a-year airline card from Cardless.
Rates, fees, and full terms are set by Cardless and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Our review
The TAP Miles&Go card earns miles in TAP Air Portugal's program, a niche currency of interest mainly to people flying to Portugal and Europe on TAP. It is an inexpensive card, but the miles are locked to a single foreign airline with a limited footprint.
For a traveler with TAP flights in their plans it can be a way to earn toward a trip, but for most US cardholders it is a very niche pick.
Think twice if: you do not fly TAP, since the miles are locked to that single foreign program.
Our 5.3 out of 10 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Earning rates at a glance
Rewards: how it earns
You earn modest bonuses in TAP Miles&Go miles plus a base rate elsewhere. The earning is light, and the miles are tied to TAP, so the value is really the welcome bonus and access to TAP redemptions to Europe.
| Category | Rate | Notes |
|---|---|---|
| Hotels | 2x | Bonus category |
| Transit and rideshare | 2x | Bonus category |
| Everything else | 1x | Everything else |
Brand and bonus rates: beyond the everyday categories above, this card also earns:
- 2x miles on hotels, car rentals, and rideshare
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Best ways to earn & redeem
Put your hotels and transit and rideshare spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus.
When you cash in, redeem the miles or points inside the single loyalty program this card is tied to. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Pros and cons
- Low $79 fee
- Useful for TAP flights to Europe
- Solid welcome bonus for a niche program
- Miles locked to TAP
- Light everyday earning
- Very niche appeal
The welcome bonus
The welcome bonus is solid: 40,000 miles after $2,500 in 90 days, a decent haul for a niche program and the main reason to get the card.
Is it worth the annual fee?
The $79 fee is low, but with the miles locked to TAP, you need specific TAP travel plans to justify it. Without them, there is little reason to pay it.
First-year value vs ongoing value
| Welcome bonus | 40,000 miles |
| To earn it | $2,500 in 90 days |
| Est. first-year value* | $620 |
| Est. ongoing value / yr* | $220 |
The welcome bonus makes year one the high point: roughly $620 in value once you count the bonus, this card’s rewards, and its credits, minus the $79 fee. After that, the honest figure is about $220 a year, so judge whether it earns its keep on the ongoing number, not the first-year headline.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- Preferred boarding and an extra checked bag twice a year
- No foreign transaction fees
Lounge access
This card includes airport lounge access. Here is exactly what you get, including the Priority Pass distinctions that vary by card:
- 2 visits per year to the TAP Premium Lounge at Lisbon Airport (LIS)
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
If you fly TAP to Portugal or Europe, this card is a low-cost way to earn toward a trip, mainly through the welcome bonus.
If TAP is not part of your travel, the locked miles will not help you. This is a very niche card.
Alternatives to the TAP Miles&Go American Express® Credit Card
Pairs well with
The TAP Miles&Go American Express® Credit Card earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.
Frequently asked questions
Best-card guides featuring this card
Learn more
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the TAP Miles&Go American Express® Credit Card lands.
Calculate My CardOffer details verified against issuer sources as of October 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
