Sun Country Airlines® Visa Signature® Card vs TAP Miles&Go American Express® Credit Card
Side-by-side comparison
| Sun Country Airlines® Visa Signature® Card | TAP Miles&Go American Express® Credit Card | |
|---|---|---|
| Annual fee | $89 | $79 |
| Welcome offer | 25,000 points | 40,000 miles |
| Dining | 1x | 1x |
| Groceries | 2x | 1x |
| Gas | 2x | 1x |
| Travel | 3x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $409 | $299 |
| Points type | Locked to Sun Country Rewards | Locked to TAP Miles&Go |
| Network | Visa | American Express |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | Sun Country Airlines® Visa Signature® Card | TAP Miles&Go American Express® Credit Card |
|---|---|---|
| Welcome bonus | 25,000 points | 40,000 miles |
| To earn it | $1,000 in 90 days | $2,500 in 90 days |
| Est. first-year value* | $570 | $620 |
| Est. ongoing value / yr* | $320 | $220 |
This one splits by time horizon. In year one the TAP Miles&Go American Express® Credit Card is ahead by roughly $50, thanks largely to its welcome offer. But the Sun Country Airlines® Visa Signature® Card earns more every year after, so if you keep it, it overtakes the TAP Miles&Go American Express® Credit Card after about 2 years. Chasing the sign-up bonus and open to canceling before the second annual fee? Take the TAP Miles&Go American Express® Credit Card. Planning to keep it for years? The Sun Country Airlines® Visa Signature® Card pulls ahead.
*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.
Perks, credits, and redemptions
| Perks | Sun Country Airlines® Visa Signature® Card | TAP Miles&Go American Express® Credit Card |
|---|---|---|
| Lounge access | None | Yes |
| Annual credits | None | None |
| Points & redemptions | Locked to a single program | Locked to a single program |
On perks and redemptions, only the TAP Miles&Go American Express® Credit Card gets you into airport lounges. Weigh those against the fee, since credits and lounge access only count if you will actually use them.
Transfer partners and point value
Neither card earns transferable points, so redemptions are cash-back or fixed portal value on both, roughly a cent per point. There is no airline or hotel transfer angle to separate them.
The verdict
On a typical year of household spending, the Sun Country Airlines® Visa Signature® Card earns about $409 a year in rewards and the TAP Miles&Go American Express® Credit Card about $299, valuing every point at a flat 1 cent. The Sun Country Airlines® Visa Signature® Card charges $89, which you clear through its rewards and perks. The TAP Miles&Go American Express® Credit Card charges $79, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Sun Country Airlines® Visa Signature® Card delivers more total value, about $100 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and travel. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the TAP Miles&Go American Express® Credit Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Sun Country Airlines® Visa Signature® Card if your spending leans toward groceries, gas, travel.