- Centurion Member
- Posts: 4040
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
I got a AAA membership recently (mostly for no-hassle, last-minute hotel/motel discounts). This makes PRG less of a clear value (since AAA obviously gives roadside assistance). My card anniversary is in late May, so the PRG AF would be $175 and not $195.
I think PRG is/will be after June 1 a decent card for someone who wants very few cards. It's good all-around, but doesn't really excel in any one area.
With EDP, PRG's rewards are nothing special. 3x MR points for flights is good, but my alternatives are 2 URs (CSP) or 1.5 MRs (EDP). The extra rewards are nothing special.
I have no airline loyalty, so the $100 airfare credit will be hit-or-miss. There's only a 60% chance that I'd get good value from it.
Most of my travel has been by car, train, or direct domestic flights, so lounges aren't that useful (making an Amex Platinum upgrade a poor value).
I have not used the FHR upgrade feature before, and probably won't use it much. When I travel, I tend to be asleep or out and about. A nice bed is good, but I like a low-cost room in a good location, and that doesn't seem to be the FHR style.
If Amex nixes ShopRunner on EDP and BCE, I can always buy it directly.
I have no plans to get "major credit" like a mortgage within the next two years. I may add an Arrival (or something similar) but probably won't be getting a ton of additional cards.
I was thinking for a while that I could make good use of the various offers Amex has, but I haven't been getting many good ones. I guess I could join Twitter or find some other backdoor to get good ones. Has anyone done this?
1. Can anyone think of factors I might consider beyond these in favor of keeping PRG?
2. When it comes to closing Amex charge cards, are there tricks I should know - like waiting 11 months? 13 months? Should I keep it for two full years to avoid AA on other cards? Would I get a partial AF refund if I waited 13 months?
I definitely do want the ability to get an Amex Platinum at some time in the future if I travel more. I know I didn't get the best bonus offer there is for EDP, so Amex isn't thrilled with my loyalty as a customer. They did still approve me, though.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech