As the exclusive American Express issuer in Georgia, Bank of Georgia offers a tiered card line — Blue, Green, Gold and Platinum. Cards earn Membership Rewards (MR) points on spending: roughly 1 point per GEL on Blue, 2 on Gold and 3 on Platinum, convertible into the bank’s PLUS points.

Higher tiers add benefits such as travel insurance, a 55-day grace period, 24/7 concierge and airport lounge access. The Platinum card carries an annual fee of around 550 GEL; lower tiers cost less, with terms confirmed at issuance.

What's good

  • Membership Rewards points convertible to PLUS points
  • Premium tiers add lounge access and concierge

Trade-offs

  • Platinum annual fee is high at ~550 GEL
  • American Express acceptance narrower than Visa/Mastercard