TAP Miles&Go American Express Card
By Alex Compton · Last verified
Lisbon lounge passes and free bags for Portugal regulars.
Welcome Bonus
40,000
≈$440 value
Spend Requirement
$2,500
in 3 months
Annual Fee
$79
No FTF
Credit Score
670+
(Good)
Current offer note: Public offer confirmed unchanged
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | 40,000 | $2,500 in 3 mo | Terms reconfirmedPublic offer confirmed unchanged | Cardless TAP Miles&Go American Express Card page → |
| 2026-06 | 40,000 | $2,500 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2021-12 | 40,000 | $2,500 in 3 mo | Earliest recordOriginal Cardless TAP card, the fintech's first airline cobrand | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- confirmed
40,000 miles after $2,500 in 90 days, $79 fee, 3x/2x/1x earning, lounge passes, bags, boarding and Status Miles confirmed.
Cardless TAP Miles&Go American Express Card page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 3xTAP Air Portugal purchases
- 2xHotels, car rentals and rideshare
- 1xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Two TAP Premium Lounge passes at Lisbon Airport each year
- ✦Two complimentary checked bags per year on TAP flights
- ✦Unlimited premium boarding for you and travel companions
- ✦Up to 10,000 Status Miles per year from card spend
Why it earns its spot
- +Perk stack is generous for a $79 fee
- +Status Miles accrual is a real shortcut toward TAP elite tiers
Where it costs you
- −TAP awards carry stiff fuel surcharges that eat into mile value
- −Single-airline utility focused on Portugal connections
The Compound Verdict
Cardless launched the original TAP card in 2021 as its first airline product and now runs it on the Amex network. For US travelers who funnel through Lisbon a couple of times a year, the bags, boarding and lounge passes beat the math on most $79 cards. As a pure mileage play it is mid-tier because TAP's surcharges drag the currency down.
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