TAP Air Portugal

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 plus a 10% fare discount code

limitations apply, see offer terms*
if approved by 8/4/25, for flights booked between 8/11-8/20/25

$79 annual fee

*After spending $2,500 in the first 90 days. See Offer Terms for more. Rates & Fees Cardholder Agreement

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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


2xOn hotels, car rentals & rideshare*Offer terms


1xOn all other purchases*Offer terms


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.

person in TAP Premium Lounge

Lounge passes

2 per year

Two passes to the TAP Premium Lounge at Lisbon Airport.
checking an extra bag at airport

Extra baggage

2 per year

Check an extra bag on your TAP Air Portugal flights, twice per year.
premium boarding

Premium boarding

Unlimited

Faster boarding for you and your travel companions on flights operated by TAP.
earn status miles

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.

mobile device using digital card reader
$79

Annual fee

$0

Foreign transaction fee

Rates & Fees

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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.

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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

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 for more information.


Miles you earn from eligible purchases with a TAP Miles&Go American Express® Card can be redeemed directly through TAP Air Portugal.

  • Sign in to your TAP Miles&Go account to redeem your miles for flights, upgrades, and other benefits.
  • Learn more about TAP Miles&Go and the redemption options.


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 your TAP Miles&Go frequent flyer number when prompted in the check out process. At checkin 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 with your TAP Miles&Go frequent flyer number. At checkin 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 with your confirmation number and frequent flyer number. 

 

Subject to Cabin rules. See the TAP Miles&Go American Express Credit Card Rewards Terms for more information.

 

 



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 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 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. 

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 with your confirmation number and frequent flyer number. 


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 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 for more information.


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.


The TAP Miles&Go Programme 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

20.24% to 27.24%

when you open your account, based on your creditworthiness.

After that, your APR will vary with the market based on changes to 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 $8
Up to $8
$0
Other Fees
None

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new transactions).

This Notice: The information about the costs of the card described in this form is accurate as of December 20, 2024. This information may have cahnged 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 1-888-227-3537.

Your Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are included in the Cardholder Agreement. See Billing Rights in the Cardholder Terms for more details.

Penalty Fees: We may charge a Late Payment Fee up to $8 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 $8 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: We will add a "margin" to the U.S. Prime Rate to determine your variable APR. For each billing period, we will use the U.S. Prime Rate or the average of the U.S. Prime Rates if there is more than one, published in the Money Rates column of The Wall Street Journal three business days prior to your billing statement closing date. Any new rate will apply as of the first day of your billing cycle during which the Prime Rate has changed. Any change in the U.S. Prime Rate may increase or decrease your finance charges, daily periodic rates, and your minimum payment. If the Wall Street Journal stops publishing the Prime Rate, we will select a similar reference rate.

    Purchase APR: Prime + 12.74% to Prime + 19.74%. Daily periodic rate of 0.0555% to 0.0746%.  

    U.S. Prime Rate effective as of December 20, 2024 is 7.50%.

How We Will Calculate the Interest Charge: We use the “average daily balance (including new transactions)” method to calculate the interest charge. This means that at the end of each Billing Cycle, 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. The “daily periodic rate” is equal to the APR applicable to the transaction type, divided by 365. To get the “average daily balance (including new transactions),” we take the beginning balance of your Account each day of the Billing Cycle, add any new transactions posted that day, and the periodic interest charge and fees incurred the previous day (compounding interest), and then subtract any payments or credits. If any day’s daily balance is a credit balance, we will treat it as a balance equal to $0.00. This gives us the daily balance. 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. This gives us the “average daily balance (including new transactions).” Due to rounding, this interest calculation may vary from the interest charge actually assessed. You can avoid interest charges on purchases if you pay your entire balance by the Payment Due Date each Billing Cycle. We will not charge you interest for an entire Billing Cycle on new purchases and fees posted during that Billing Cycle if you paid the entire Statement balance by the Payment Due Date in the previous Billing Cycle (or if your balance was $0.00 or a credit balance).

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) 227-3537.

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Issued by First Electronic Bank, Member FDIC. Offers subject to credit approval. Cardless, Inc. 350 Townsend St., #610 San Francisco, CA 94107
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