American Express Tips?

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
40 posts
bmw1990Z
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Location: USA

Postby bmw1990Z » Sat Apr 07, 2012 11:06 am

DoingHomework wrote: I mean, jeez,, if it's a matter of finding the money to pay the annual fee, just turn your thermostat down one degree and wear a sweater. That's the kind of money we're talking about here.


Yes! The annual fee for this card amounts to around 15 bucks per month...most of us pay that in starbucks drinks, cellphones etc. That is cheap considering all the benefits you get in exchange. If you REALLY can't spare that much a month come up with a different card.
Cards in my wallet:
-Citi Forward Card for College Students-July 2011
-American Express Platinum Delta Skymiles--July 2013


UPS Gregg
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Location: Tennessee

Postby UPS Gregg » Sat Apr 07, 2012 5:00 pm

DoingHomework wrote:Lighten up. My post was mostly just kidding you. You are right, many, maybe most, people will simply be throwing money away with high annual fee cards. But some of us are able to make good use of the perks and/or are willing and able to pay a few $ for the vanity. Frankly, you would not find me shopping in a Nordstroms or Barneys or whatever the stores are that AMEX partners with for shopping. But many folks do shop there so what's the big deal if they want a shiny card to flash at the checkout counter?


Most of us work hard for our money. What difference does it make to you what we choose to spend it on? Most people spend far more per year n cable TV or text messaging charges than they do on their platinum card! I mean, jeez,, if it's a matter of finding the money to pay the annual fee, just turn your thermostat down one degree and wear a sweater. That's the kind of money we're talking about here.


If you were kidding it wasn't obvious. The perks for the gold card, as well as most any other AF card, aren't worth the fees. If someone wants to have the card simply to flash at the counter than that is their prerogative. Frankly I feel sorry for them but oh we'll. It's the people that don't have an ego to entertain and want value for their dollars that I'm trying to reach. They are the ones that could benefit from my "opinions". The rest though.......it really is your prerogative.


bmw1990Z wrote:Yes! The annual fee for this card amounts to around 15 bucks per month...most of us pay that in starbucks drinks, cellphones etc. That is cheap considering all the benefits you get in exchange. If you REALLY can't spare that much a month come up with a different card.


$15 is dirt cheap but still gets the member nothing in return that a no fee card can't. Nothing practical to most people anyway. Just because I can afford to pay it doesn't mean that I should. Like I said before.....its all about value and MOST Amex cards don't have it.
Current FICO: 805 (Equifax)

Current Cards:

*USAA Platinum MasterCard CL-$1,000.00
*USAA Signature Visa Card CL-$15,000.00
*USAA Rewards Amex CL-$15,000.00
*HSBC Best Buy Card CL-$3,300.00
*Amex Macy's CL-$8,000.00
*JPMorgan Chase Marriott Rewards Premier Visa Signature CL-$20,000.00

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Cyberius
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Postby Cyberius » Sat Apr 07, 2012 5:34 pm

UPS Gregg wrote:$15 is dirt cheap but still gets the member nothing in return that a no fee card can't. Nothing practical to most people anyway. Just because I can afford to pay it doesn't mean that I should. Like I said before.....its all about value and MOST Amex cards don't have it.


I'd beg to differ. My Amex treats me right and the fees are well worth it. Just because you don't want to pay them doesn't mean others don't - and that other's can't recover the fees.

bmw1990Z
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Postby bmw1990Z » Sat Apr 07, 2012 10:31 pm

UPS Greg....
I don't want to get in it with you (as you've already been proven wrong by various members on here..) but you simply need not post in the AMEX forum on this webpage. It's clear that you do not agree that AMEX cards have good value. For anyone who lives any kind of a social life would realize the value in these cards from travel to dining out, concierge services amex is the best. It's more than worth the fee for whatever card you choose. We realize you don't want to pay the fee, so when someone posts a forum asking what to do with their new card, and you see they have just received a card you are against, DO NOT POST ON IT! No one here values your opinion on the subject as it is clear you are against the american express card which the user posted a thread about.
Cards in my wallet:

-Citi Forward Card for College Students-July 2011

-American Express Platinum Delta Skymiles--July 2013

UPS Gregg
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Postby UPS Gregg » Sun Apr 08, 2012 9:44 am

bmw1990Z wrote:UPS Greg....
I don't want to get in it with you (as you've already been proven wrong by various members on here..) but you simply need not post in the AMEX forum on this webpage. It's clear that you do not agree that AMEX cards have good value. For anyone who lives any kind of a social life would realize the value in theese cards from travel to dining out, concierge services amex is the best. It's more than worth the fee for whatever card you choose. We realize you don't want to pay the fee, so when someone posts a forum asking what to do with their new card, and you see they have just recieved a card you are against, DO NOT POST ON IT! No one here values your opinion on the subject as it is clear you are against the american express card which the user posted a thread about.


I haven't been proven wrong as of yet. It doesn't matter what kind of social life one lives when determining if paying $175/month is worth it. Simple math will do. After that it comes down to choice. Do you want it because just because it's an Amex and are willing to pay the fee (which several have admitted so far)? Several have also stated that it's not really an annual fee (yet that's what Amex calls it) and is actually a membership fee so if anything that shows that I'm right. I'm starting to think that either some of you aren't actually reading my posts entirely or there is serious lack of reading comprehension going on here with you guys. Let's look at my first post for example......

"Cancel the ones with annual fees. They are not worth it. The Platinum is only worth it if you travel A LOT and if you really use each and every benefit. The PR Gold, Gold, and so on have people paying fees that don't really amount to nothing more than membership fees, while the member ends up with nothing to show for it."

Ok so I CLEARLY acknowledged that the platinum is worth it. Several times actually, yet, I've been blasted for stating otherwise. It's like no one read that! Amazing right? Then I stated the other cards fees amount to nothing more than membership fees and then a couple of people said the same thing! Yet, I'm supposed to have been proven wrong?! LOL! Then my personal choice in retail spending and hotels (as if they know me) was attacked in a snobbish way. Yeah.....that really proves me wrong. In fact, if anything, it proves me right. And where was the outcry for that? Why weren't they asked to stop posting? Since when is it ok to make personal attacks in a forum but taboo to simply disagree? Well, I will tell you what's up with that. It's an attempt to silence those that don't agree whether or not they are right or not. But then again....all this would have turned out better if the reading comprehension wasn't so lack luster.
Current FICO: 805 (Equifax)

Current Cards:

*USAA Platinum MasterCard CL-$1,000.00
*USAA Signature Visa Card CL-$15,000.00
*USAA Rewards Amex CL-$15,000.00
*HSBC Best Buy Card CL-$3,300.00
*Amex Macy's CL-$8,000.00
*JPMorgan Chase Marriott Rewards Premier Visa Signature CL-$20,000.00

JCarter
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Postby JCarter » Fri Apr 13, 2012 4:24 am

Philosophuer wrote:All great points, I'll just use it for the year, ask them to waive it next year or just cancel it. I have the blue with 0 interest, but I save it for large purchase on a rainy day. Business isn't always great so it's my back up. I do appreciate all of u guys insight, professionalism, and honesty. Going forward if u have advice please let me know. I will be posting new questions soon and I can use the viewpoints and info


You will never get American Express to waive an annual fee, but if you ask they will give you the amount of the fee in MR points, which you may cash out into gift cards or travel benefits.

4Runner
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Postby 4Runner » Sat Apr 14, 2012 12:05 am

Have you ever gotten MR points instead of getting the AF waived?

Crashem
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Location: San Francisco, CA

Postby Crashem » Sat Apr 14, 2012 1:26 am

They will offer mr points and I have heard of statement credits as well. Do search for Amex Renton bonus
Amex Centurion, Amex Platinum, Amex BCP 8k->24k (5/23/12), Amex TE 15k, Cap One 1.5% 15k->20k (8/7/13), CSP 25k, Chase Palladium 100k, Citibank AA 35k (AU), Firestone 1.8k->2.2k->2.4k (8/20/12), JFCU Jloc 30k, PenFed Plat Rewards 30k, SF Fire 30k, US Bank Cash+ 25k

PopiLopi
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Postby PopiLopi » Sun Apr 15, 2012 7:01 pm

I feel amex annual fees are well worth it. I mean, I just filed a claimed with return protection for an item the merchant won't take back and I got my $235 credited back the next day to my account. My Zync's card is only $25 annual fee + $40 I pay in extra pts packs and that's well worth it just for this claim... I know they also offer purchase protection, extended warranty and roadside assistance so I'm also saving $90+ on AAA services and $80+ on Apple Protection that I won't have to buy...

I only travel 2-3 times a year and I'm pretty sure that even the $450 annual fee of the platinum would do it if I take advantage of the benefits it's giving me
Amex: Business Platinum (09/12) BCP $10,500 (03/13)
Visa: Capital One Journey $750 (04/11) Chase Freedom $1,800 (04/12)
MasterCard Citi AAdvantage Platinum Select $8,500 (05/13)
Discover: Discover It $2500 (07/11)
Store Cards: Amazon $3900 (12/11) Macy's $500 (04/11) Kohl's $500 (05/12) Victoria's Secret $750 (11/12)

et_ph
 
Posts: 2
Joined: Fri May 11, 2012 9:56 pm
Location: Atlanta, GA

Postby et_ph » Fri May 11, 2012 10:57 pm

Um, not to get back on topic, but the original poster was thinking of accepting the PRG for the 1st year $0 fee, then cancelling it before being hit w/the fee....



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