Crashem wrote:Couple things I noticed about the Palladium:
1) Price Protection: lower price in 90 days, they will make good (up to some low amount $1500?)
2) The priorty pass for lounges is better
3) Points can be moved to United miles
4) Ton of protections but haven't had time to compare vs Centurion
5) Conceriege on Palladium seems more personal (i think they both use Circles but different teams).
6) You know your limit and with this card you can go 2x or 3x above as well.
The benefits vary on which "level" of Palladium you have. If I can get my brochure scanned in, I will lay out the differences.
If you apply through the card through your wealth management office, then you get a level (3) (assuming that is how it is classified, is numbers?) card. Through Chase Premier Banking for the law group, it's a level (2) and then directly applying is a level (1).
I have mine via the private banking arm of JPMorgan, so I can really only speak as to what they offer.
1. Price protection is 90 days, upto $5500 per order. Meaning you can't have a price difference of $25,000 and expect to get it all refunded if the items are not on different orders.
2. Priority pass is priority pass, it is just the next level up from a standard pass. You can order this yourself directly.
3. Points can be moved to UA, AA, DL, SX, US, BA, QX directly for miles. You can also buy your tickets via JPMorgan's travel center.
4. Protections generally are better with Centurion. Just simply better all around at American Express on these things.
5. Circles handles the JPMorgan Select Card, and Chase's Sapphire Preferred. (Along with Centurion) Palladium is with VIP Desk.
My one complaint is that the concierge here actually tends to harass you to buy stuff through them, but they are pretty decent on working on tasks.
6. The card has a credit limit which is 10% of your liquid balance in your cash management account. You CAN go for strictly based upon credit, but it will not be as high. If you need to exceed this limit, your banker will establish an overdraft line of credit, otherwise you are not exceeding the limit.