Current Platinum Card holder, any value in getting a Blue Cash?

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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swivel
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Current Platinum Card holder, any value in getting a Blue Cash?

Postby swivel » Wed Jan 12, 2011 2:02 am

I currently have and pretty much exclusively use an American Express Platinum Card for everything. I've been very pleased with it and its services. However, I was looking into getting another rewards credit card in addition to my Platinum Card and financial sites across the web seem to recommend either the American Express Blue Cash or Discover More cards.

Based on the informed opinions on this board, is there is any point or value in getting another American Express (Blue Cash) if I already have the Platinum? Any thoughts or recommendations would be greatly appreciated. Thanks!


jeffysdad
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Postby jeffysdad » Wed Jan 12, 2011 7:48 am

If I were paying nearly $500/year for the platinum card I would not want to dilute any of my reward potential by using any other card. I think you should carry a Visa/MC for those rate times that Amex isn't accepted. It is also good to have two cards in case a fraud alert is ever put on your primary card and you are temporarily prevented from using it.

Blue Cash is only of value to those who charge enough to get over the speedbump to the higher rewards. You probably wouldn't want to spend that much on the card as it would reduce your reward potential on the platinum card.
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.

swivel
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Postby swivel » Wed Jan 12, 2011 9:11 pm

Thanks jeffysdad (love The Ringer reference by the way).

I noticed in your signature you have both Discover More and Blue Cash cards. I'm trying to determine the best new card for my mother to get as well, with additional cardholders. Do you recommend one over the other based on typical monthly spending of 2,000-6,000 and bills paid in full each month? She wants a 'no fees' card but since I am a fan of the AMEX Platinum, I found myself shopping it to her but unable to really explain the benefits and disadvantages of adding a charge card to the mix over the other two. Thanks a bunch.

jeffysdad
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Postby jeffysdad » Thu Jan 13, 2011 6:37 am

Swivel, if Mom likes to manage her account online and isn't really particular about the best rewards, I would suggest the Discover card as Discover has the best website, imo. However, remember that Disc. isn't taken everywhere, just almost everywhere. I would also consider the Chae Sapphire and Freedom cards, both of which are no fee as long as you don't opt for the premium Sapphire. Chase has a decent website and their customer service is ok for Freedom and excellent for Sapphire. Discover customer service also is excellent, imo.
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.

swivel
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Postby swivel » Sun Jan 16, 2011 2:45 am

Thanks again. We have it narrowed down to the Discover, Freedom, and Blue Cash, with my tendencies now toward Discover or Chase thanks to your advice. Although, I was curious about just making her a signer on my Platinum Card, which I will look into tomorrow.



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