Amex Platinum additional card fee

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CarZin
 
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Amex Platinum additional card fee

Postby CarZin » Fri Feb 04, 2011 1:24 pm

I was prepared to get an American Express platinum, as my wife and I travel a lot and can make use of the amenities, but I stopped short of applying after I found out about the $175 a year EXTRA fee for an additional card...

Try and help me sort this out... As I see it, the extra card offers no additional benefits. The only thing the extra card allows my household to do is make American Express more money by charging off of it.

Am I missing something here? It would seem you'd have to either not care about American Express literally taking you for a ride or I am missing some key benefits with an additional card.

The fee has irritated me so much that I doubt I'll open an account at all. We have zero credit card debt, perfect credit scores, and were going to use this to charge all of our monthly expenses (and earn points). Now I think we'll just use the other card reward programs that dont charge for additional cards.

I have also read that only the primary card holder can make use of airline ticket miles. I dont know if that is true or not.


DoingHomework
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Postby DoingHomework » Fri Feb 04, 2011 3:11 pm

They used to charge an extra fee for a card for a spouse and that definitely kept me from getting the platinum. But I was under the impression that they eliminated the extra fee. Does anyone have the right answer to this?

If they changed it, the change is very recent, within the last 2 months.

CCG
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Postby CCG » Thu Feb 10, 2011 9:00 pm

Below are the fees for adding additional cards to the American Express Platinum as of Feb. 2011.

  • Platinum Card - Annual Fee: $175/year for upto 3 Additional Cards
  • Gold Card - Annual Fee: $45/year for upto 5 Additional Cards

To learn more please visit my American Express Platinum Card review.

All the best,
CreditCardGuru

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Elliot Castro
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Postby Elliot Castro » Fri Feb 11, 2011 3:10 am

We have zero credit card debt, perfect credit scores, and were going to use this to charge all of our monthly expenses (and earn points).


Well, this is not type of clients AmEx is looking for. Your perfect score actually hurts you, because clients who are consistantly late on time are of the big prize creditors are searching for. If you sit there and pay everything on time to get points, AmEx isn't going to make money on you, unless they charge you hefty annual fees.

They are out to make the money for themselves, not for you.

DoingHomework
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Postby DoingHomework » Mon Feb 14, 2011 4:00 pm

CreditCardGuru wrote:Below are the fees for adding additional cards to the American Express Platinum as of Feb. 2011.

  • Platinum Card - Annual Fee: $175/year for upto 3 Additional Cards
  • Gold Card - Annual Fee: $45/year for upto 5 Additional Cards

To learn more please visit my American Express Platinum Card review.

All the best,
CreditCardGuru


What is your source for this? I have the gold card and as of this month (Feb 2011) did not pay anything for an additional card.

The text on the terms and conditions disclosure on AMEX web site is identical for both the platinum and the gold card. Previous this is where the extra fee for additional cards was disclosed.

DoingHomework
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Postby DoingHomework » Thu Feb 17, 2011 1:45 pm

Ah, I get it now, if you have a platinum card it costs an extra $175 a year for up to three more platinum cards. If you want the additional cards to be gold cards instead then it is only $45 extra per year.

If you have a gold card then additional cards are free.


That is correct and I apologize for not clarifying.

-CCG

Credit_Consumer
 
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Postby Credit_Consumer » Wed Aug 15, 2012 2:18 pm

CarZin wrote:I was prepared to get an American Express platinum, as my wife and I travel a lot and can make use of the amenities, but I stopped short of applying after I found out about the $175 a year EXTRA fee for an additional card...


I got my AmEx Platinum through my broker at Morgan Stanley and got the extra card for my wife for free AND 50,000 points to boot! I highly recommend it!

isherlock
 
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Postby isherlock » Sun Aug 19, 2012 11:26 pm

Credit_Consumer wrote:I got my AmEx Platinum through my broker at Morgan Stanley and got the extra card for my wife for free AND 50,000 points to boot! I highly recommend it!


THe morgan stanley branded Platinum card, while share most benefits as the regular amex platinum, it has some pretty major differences too. you would get 1 additional platinum supplementary card for free, and the points are NOT membership reward points rather are called "morgan stanley smith barney reward points", they do let you transfer them to an amex MR account on 1 to 1 ratio until the end of the year.

ayn
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Postby ayn » Tue Aug 21, 2012 12:02 am

A while ago I upgraded our premier rewards gold cards ($175 annual fee, 5 (?) free additional cards, 2x and 3x MR pts earnings, etc) to Platinum, I also thought it was rather ridiculous that the additional platinum would be $175, so I went with the $45 regular gold card for the wife. I upgraded back to Platinum mainly because we're living out of the country for a year and will be traveling quite a bit, so the 0 FTF and additional platinum travel benefits are worth it.

I just upgraded her card to the platinum as well, because 0 FTF, her own Priority Pass ($27 each I believe otherwise), her own global entry refund. Those alone, if you travel enough, is worth the extra $130 a year.

That said, I still think it kinda sucks that the cheaper Premier Rewards has better MR pts earning ability than the platinum, and free additional cards vs $175 (platinum)/$45 (gold). They should at least give the gold additional card gratis, as it pretty much doesn't carry much benefits other than ability to use your airline credit, and earn MR pts for you.

tigerhunt2011
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Postby tigerhunt2011 » Mon Aug 27, 2012 10:56 am

I just got my PR Gold card in August and both when I applied and now, I can add on up to 5 additional cards for NO fee. Could the free additional cards be only for PR Gold not just the standard gold?
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AMEX PRG-NPSL-07/11
AMEX BCE-$2000-07/11
AMEX MB Platinum-NPSL-08/13-->07/11
AMEX Biz Gold Rewards-NPSL-08/13-->07/11
AMEX Biz DL SkyMiles Gold-04/13-->07/11
BofA Alaska Airlines Visa Classic-$2500-06/11
Barclays US Airways Platinum Mastercard-$1500-04/13
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Citi AA Select AMEX-$2000-01/13
Citi AA Visa-$2000-01/13
Citi AA Platinum Select Visa Signature-$5000-08/13
Citi AA Platinum Select World Mastercard-$2500-04/13
Citi Business AA World Mastercard-$1000-08/13
Citi ThankYou Preferred-$2000-04/13
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GECRB Paypal Mastercard-$3500-04/13



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