## TAP Miles&Go American Express® Credit Card # Think miles ahead Get access to exclusive benefits and earn miles on all your purchases ### Earn 40k Bonus Miles After spending $2,500 in the first 90 days\* [Apply now→](https://app2.cardless.com/apply/tap-air-portugal) $79 annual fee† \*See [Offer Terms](/content/cards/tap-air-portugal#offer-terms/index.html)† [Rates & Fees](/content/cards/tap-air-portugal#rates-fees/index.html), [Cardholder Agreement](/content/tap-cardholder-agreement/index.html) # Earn miles Earn TAP Miles&Go miles for every purchase you make. Including 3 miles per dollar spent on purchases from TAP Air Portugal. * * * ### 3xOn flights & all other purchases from TAP Air Portugal [\*Offer terms](/content/cards/tap-air-portugal\#offer-terms/index.html) * * * ### 2xOn hotels, car rentals & rideshare [\*Offer terms](/content/cards/tap-air-portugal\#offer-terms/index.html) * * * ### 1xOn all other purchases [\*Offer terms](/content/cards/tap-air-portugal\#offer-terms/index.html) * * * # Premium boarding and more The TAP Miles&Go Card also gives you benefits like premium boarding, lounge access, extra checked bags, and a path to earning extra Status Miles. ### Lounge passes 2 per year Two passes to the TAP Premium Lounge at Lisbon Airport. ### Extra baggage 2 per year Check an extra bag on your TAP Air Portugal flights, twice per year. ### Premium boarding Unlimited Faster boarding for you and your travel companions on flights operated by TAP. ### Earn Status Miles Up to 10,000 For every 5 miles earned with your card, earn 1 Status Mile, up to 10k per Annual Qualification period. # Use your card immediately Once approved, you’ll be able to use your TAP Miles&Go American Express® Credit Card instantly and start earning 3x miles on all TAP Air  Portugal purchases. ##### $79 Annual fee ##### $0 Foreign transaction fee [Rates & Fees](/content/cards/tap-air-portugal#rates-fees/index.html) ##### Modern credit cards from Cardless The TAP Miles&Go American Express® Credit Card is offered by Cardless. Easily manage your card account, redeem rewards, and access benefits from the palm of your hand. ##### Backed by the safety and security of American Express Safely use your TAP Miles&Go Card no matter where you are in the world. ## Learn more ##### How do I earn miles? Cardholders earn Miles on eligible purchases. For each dollar spent you’ll earn: 3x - On flights & all other purchases charged directly with TAP Air Portugal 2x - On hotels, car rentals & rideshare 1x - On all other purchases To learn more about specific rewards categories, please see the [TAP Miles&Go American Express Credit Card Program Agreement](https://legal.cardless.com/rewards_terms/tap/rewards_terms_and_conditions.pdf) for more information. * * * ##### How do I redeem my TAP Miles&Go miles? Miles you earn from eligible purchases with a TAP Miles&Go American Express® Card can be redeemed directly through TAP Air Portugal. - [Sign in](https://www.flytap.com/en-us/client-area) to your TAP Miles&Go account to redeem your miles for flights, upgrades, and other benefits. - [Learn more](https://www.flytap.com/en-us/miles-and-go) about TAP Miles&Go and the redemption options. * * * ##### How many checked bag allowances do I get as a cardholder? As a TAP Miles&Go American Express® cardholder you can check an extra bag on your TAP Air Portugal flights, twice per year, without extra fees. - You are eligible to receive two (2) complimentary baggage allowances per calendar year. - Applies to all flights on the same booking. ## How to claim #### At the time of booking your flight Enter your TAP Miles&Go frequent flyer number when prompted in the check out process. At check-in you'll be able to add one extra bag without extra fee. #### After you book a flight Update your booking via [TAP Air Portugal's website](https://www.flytap.com/en-us/) with your TAP Miles&Go frequent flyer number. At check-in you'll be able to add one extra bag without extra fee. You must add your TAP Miles&Go frequent flyer number at least 48 hours before departure to use this benefit. Having trouble? Contact [support@cardless.com](mailto:support@cardless.com) with your confirmation number and frequent flyer number. Subject to Cabin rules. See the [TAP Miles&Go American Express Credit Card Rewards Terms](https://support.cardless.com/hc/en-us/articles/19098350416791) for more information. * * * ##### What Lounges do I have access to? Lounge passes are available for use at the TAP Premium Lounge at Lisbon Airport, in Portugal. As a cardholder, you are eligible to receive two (2) TAP Premium Lounge passes per calendar year. TAP Premium Lounge passes are only available for the cardholder, and guests are not allowed at this time. Access is administered by TAP Air Portugal. [Learn more](https://www.flytap.com/en-us/at-the-airport/lounges?accordionid=23ee2e37-3f6b-4f35-a033-ed0c632a8299&tabid=filters-tabccc1a5a8-7921-4824-b2e1-6ee64c1c4d1e) about the TAP Premium Lounge. ## How to claim #### At the time of booking your flight Enter your TAP Miles&Go frequent flyer number when prompted in the check out process. Show your boarding pass to the lounge attendant for entry. #### After you book a flight Update your booking via [TAP Air Portugal's website](https://www.flytap.com/en-us/) with your TAP Miles&Go frequent flyer number. Lounge access will be visible on your boarding pass. Show your boarding pass to the lounge attendant for entry. * * * ##### What are Status Miles and how do I earn them? Status Miles can help you reach TAP Miles&Go Gold or Silver status, and offer extra benefits when you fly with TAP Air Portugal. For every 5 miles you earn by using your card, get 1 Status Mile. That’s 20% extra Status Miles on your miles earned, up to 10,000 Status Miles per year. [Learn more](https://www.flytap.com/en-us/miles-and-go/status/compare) about TAP Miles&Go Programme status. Status miles are not added to your miles balance and cannot be used for Award Tickets or other services. You will not earn Status Miles based on any “bonus” mileage accrual, such as sign-up/welcome bonuses and regular promotions, including any seasonal promotional campaigns. Status Miles are awarded and maintained by TAP. See the [TAP Miles&Go American Express Credit Card Program Agreement](https://support.cardless.com/hc/en-us/articles/19098350416791) for more information. * * * ##### What is Premium Boarding? Premium Boarding is a service that allows you and your companions to be one of the first passengers to board. Claim your seat, stow your carry-ons hassle-free, and get ready for a comfortable flight. As a TAP Miles&Go American Express® cardholder, you are eligible to receive unlimited Premium Boarding for you and any companions traveling on the same booking. [See here for more information](https://www.flytap.com/en-us/at-the-airport/boarding). * * * ##### What is the TAP Miles&Go Programme? The [TAP Miles&Go Programme](https://www.flytap.com/en-us/miles-and-go) is TAP Air Portugal’s loyalty program. Link your TAP Miles&Go account to Cardless, so any miles earned from eligible card purchases will be added to your TAP Miles&Go account after each statement cycle. You can redeem these miles for airline tickets, upgrades, and other benefits. * * * | Interest Rates and Interest Charges | | Annual Percentage Rate (APR) for Purchases | ## **19.49%** to **29.49%**
when you open your account, based on your creditworthiness.
After that, your APR will vary with the market based on the Prime Rate. | | Penalty APR and When it Applies | **None** | | How to Avoid Paying Interest | Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on your account if you pay your entire balance by the due date each month. | | Minimum Interest Charge | There is no minimum interest charge. You will be charged any interest due, regardless of amount. | | For Credit Card Tips from the Consumer Financial Protection Bureau (CFPB) | **To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau website at www.consumerfinance.gov/learnmore** | | Fees | | Annual Fee | **$79** | | Transaction Fees
- Foreign transaction | **$0** | | Penalty Fees
- Late Payment
- Return Payment
- Over-the-Credit Limit | Up to **$35**
Up to **$35**
$0 | | Other Fees | | **How We Will Calculate Your Balance**: We use a method called “average daily balance” (including new transactions). See your TAP Miles&Go American Express Card Cardholder Agreement for more details. **This Notice**: The information about the costs of the card described in this form is accurate as of **March 9, 2026**. This information may have changed after that date. To find out what may have changed, write to us at Cardless, 350 Townsend #610, San Francisco, CA 94107 or call us toll-free at (888) 716-4384. **Your Billing Rights**: Information on your rights to dispute transactions and how to exercise those rights are included in the Cardholder Agreement. See the “Billing Rights” in your Cardholder Agreement for more details. **Penalty Fees**: We may charge a Late Payment Fee up to $35 if we do not receive the minimum payment amount shown on your Statement by the due date shown on your Statement. As permitted by law, we may charge you a Return Payment Fee up to $35 each time any payment made by you is not paid by your financial institution for any reason. Neither the Late Payment fee nor the Return Payment fee will exceed the related minimum payment that was due. We will not charge a Late Payment Fee and a Returned Payment fee on the same payment. **How We Will Calculate Your Variable APRs:**Your Annual Percentage Rate is calculated by adding the Index (as defined below) to the margin disclosed in your Truth in Lending Act Disclosures. The Annual Percentage Rate (and Daily Periodic Rate or “DPR”) on this Account will vary from time to time due to changes to the Index. As a result, your APR (and DPR) may change as frequently as quarterly. The Index is the U.S. Prime Rate as published in The Wall Street Journal. We will use the U.S. Prime Rate as published in The Wall Street Journal on January 25, April 25, July 25, and October 25. If it is not published that day, we will use the immediately preceding published U.S. Prime Rate. If the Index has changed, the new APR (and DPR) will apply to your Account as of the first day of your February, May, August, and November Billing Cycles. If the Index increases (or decreases), you will pay a correspondingly higher (or lower) interest charge and may pay a higher (or lower) Minimum Payment Due. The U.S. Prime Rate is simply a pricing index and may not be the lowest interest rate available. If The Wall Street Journal temporarily or permanently stops publishing the U.S. Prime Rate, or how the U.S. Prime Rate is defined is changed, then we may select a new third party source for obtaining the U.S. Prime Rate or select a substitute Index not under our control, in our sole discretion. Purchase APR: Prime + 12.74% to Prime + 22.74%. Daily periodic rate of 0.0534% to 0.0808%. U.S. Prime Rate effective as of **December 16, 2025** **is 6.75%**. **How We Will Calculate the Interest Charge:** We use the “average daily balance (including new transactions)” method to calculate the interest charge on each type of transaction. This means at the end of each Billing Cycle for each transaction type, we: (1) multiply your “average daily balance (including new transactions)” by the Daily Periodic Rate for that transaction type, and (2) multiply the result by the number of days in the Billing Cycle. To get the “average daily balance (including new transactions),” for each transaction type, we first determine the “daily balance” by taking the beginning balance of each type of transaction on your Account each day of the Billing Cycle, add any new transactions posted that day, and the periodic interest charges incurred the previous day (compounding interest), along with any fees incurred the previous day, and then subtract any payments or credits applied to the principal balance. If any day's daily balance is a credit balance, we will treat it as a balance equal to $0.00. Then, we add up all the daily balances for each day of the Billing Cycle and divide the total by the number of days in the Billing Cycle to get the “average daily balance (including new transactions)” by transaction type. Then we multiply the Daily Periodic Rate applicable to the transaction type by the applicable “average daily balance (including new transactions)” for that transaction type and multiply the resulting number by the number of days in the Billing Cycle to calculate the interest charge for each transaction type. We add together the interest charge for each transaction type to determine the total interest charge owed on your Account for that Billing Cycle. Due to rounding, this interest calculation may vary slightly from the interest charge actually assessed. After the Payment Due Date, interest charges will continue to accrue on the total amount that remains unpaid after the applicable Payment Due Date, until it is paid in full. **Avoiding Paying Finance Charges**: If you pay your Statement's new balance in full by the payment due date, we will not charge interest on any new transactions that post to the purchase balance. If you have been paying your Account in full without finance charges, but fail to pay your next new balance in full, we will charge interest on the unpaid balance and any new transactions that post to the purchase balance. **Cash Advance/ATM Access**: This card does not have a cash advance or ATM access feature and thus you will not be able to take cash advances using your card. **Military Lending Act (MLA) Disclosure**: The following disclosure applies to persons covered by the MLA. Other governmental programs and laws may also govern or apply to this transaction but are not described in the following disclosure. Federal law provides important protections to members of the armed forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than credit application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive this information and a description of your payment obligation verbally, please call us toll free at (888) 716-4384.