We recommend the American Express® Preferred Rewards Gold Card to frequent travelers and are members of a few frequent flyer or frequent guest program as the membership rewards program allows you to transfer points directly to those programs. The card and program allows you to earn unlimited points which do not expire.

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Affinity card is A credit card offered in conjunction with two organizations, one a card issuer and the other a nonfinancial group with which consumers have an affinity. Universities, sports franchises and nonprofit organizations are examples of affinity groups that often offer special discounts or deals for using their credit cards issued in partnership with a major bank.

American Express is Also known as AMEX, this company is one of the main international credit card issuing schemes. It issues its own credit cards—unlike Visa and MasterCard—and is responsible for its own relationships with retailers.

Annual Fee is An annual (yearly) fee associated with having a credit card. This is a separate fee from interest rate on purchases.

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