American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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gangof4
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Which card to use

Postby gangof4 » Sun Jun 27, 2010 3:53 pm

This is a question for those with two different types of American Express cards . . .

Apart from the obvious reasons (like benefits unique to the type of card), how do you decide which card to use on a routine basis, such as dining out, ordering Online, etc.? Do you use both? Does Am Ex close accounts if there is not a certain minimum of activity per year?


Floppster
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Website: http://www.flyerboxx.com
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Postby Floppster » Sun Jun 27, 2010 8:29 pm

gangof4 wrote:This is a question for those with two different types of American Express cards . . .

Apart from the obvious reasons (like benefits unique to the type of card), how do you decide which card to use on a routine basis, such as dining out, ordering Online, etc.? Do you use both? Does Am Ex close accounts if there is not a certain minimum of activity per year?


I use my Amex Charge card for all my daily spending including dining and so on. I keep a recurring charge of maybe $20 a month on my Amex Credit Card so there is always at least a small amount of activity going on and on top of that I run all my charges where I think I will not be able to easily pay it of at the end of the month with this credit card. So far Amex didn't close any o my cards with them. They sometimes even increase my limit even though I don't need it. As of today they have never decreased my limit even if there was no account activity over a long period of time.
Intellectuals solve problems. Geniuses prevent them.
- Albert Einstein 1879-1955

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Mogul of Pineapples
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Postby Mogul of Pineapples » Sun Jul 11, 2010 12:09 am

I have a card for every category of spending to get the most rewards. One card for gas, groceries and drugstores. Another card for office supplies and cell phone bill. My Discover More for alternating quarterly categories. Amazon card for Amazon purchases. Other online purchases are put on an American Express in case I get scammed and need to dispute the charge. Everything else is split between a few other card I have. In short, the category is what determines which card I use.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred



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