- Centurion Member
- Posts: 875
- Joined: Thu Apr 30, 2009 2:32 pm
- Location: Texas
You can probably get a gold card with the first year free just for the asking. If you do a lot of travel, then it might be worth it. But don't be so impressed by Amex that you feel you have to ask them for a card. If you have a good credit history, it is an honor for them to have you as a customer.
Frankly, I think there are reward cards available from Visa/MC that charge no annual fee that are better than what Amex offers (unless you travel an awful lot). Amex is for people who travel a lot and/or like the prestige of a gold or platinum Amex card. Amex customer service is generally good but no better than what you can find for free if you look carefully.
As for which gold card is right for you, you can research that on their website. I used to have one of them but I forget which. I applied and got it with the first year free and x number of bonus points. They didn't give me the bonus points until after I filed a complaint with the Better Business Bureau. I lost all respect for Amex after that and closed the account after I cashed in the points for my 50 bucks or whatever it was.
Whatever you decide to do, remember that the CCs and banks serve YOU. Learn all the rules and follow them to the letter, then make them earn your business and complain when they fall short.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).
*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.