Zync Questions

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3 posts
bmw1990Z
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Zync Questions

Postby bmw1990Z » Tue Apr 17, 2012 10:07 pm

There may well be another thread about this but I didn't see it when I searched so....

I am interested in the zync but a couple of things hold me back from applying...
(1) Is ZYNC upgradable (ie to green,gold,platinum) ? I've read its not but couldn't find a definite answer.

(2) What is the purpose of the MR EXPRESS program if all the packs are subpar? The only reason I am considering this card is because I have never had an AMEX before but I have excellent credit history, granted its one year old.

Thoughts are appreciated.
Cards in my wallet:
-Citi Forward Card for College Students-July 2011
-American Express Platinum Delta Skymiles--July 2013


Money card
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Postby Money card » Tue Apr 17, 2012 10:58 pm

Bmw they are not upgradeable. For example let's say you got the card and a year later you wanted a green. You couldn't keep the same account number. You can apply for a Green card but you can't have the same account number on the green as what you have on your Zync.

The Zync is a lower level card. It's above blue and below green.

ivotedale
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Postby ivotedale » Tue Apr 17, 2012 11:21 pm

(1) is the Zync card upgradeable?

No it is not, nor do I think it will be for a very long time, if at all.

(2) What is the purpose of MRE points...?

Before looking at answering the question- I'll assume it's safe to say the Zync is more or less an "entry-level charge card" as far as Amex is concerned.

When you got your first job, did your employer start you off w/ a salary at $50,000 a year w/ full benefits? No, certainly not! If you weren't a lucky soul, you most likely started near minimum wage as a cashier, server, etc. doing minimal tasks, grunt work (or maybe I'm just speaking for myself!).

Comparably, someone getting one of their first/entry-level credit/charge cards shouldn't be expecting stellar rewards immediately- save that for when you build your average age of accounts/credit in general. From there you can get credit limit increases, etc. Don't get me wrong though- I have heard of those with the Gold charge card and beyond w/ this card as well- but again it depends on what your spending habits are.

Either way, I think the $25 minimal annual fee is worth American Express benefits (non-rewards program benefts, like return-protection, somewhat-roadside-assistance, etc). Obviously, if you look at the packs, it will depend whether or not you spend a ton of money in each respective category- I certainly don't. I personally signed up for the foodie pack ($25 annually), but I'm probably (and barely) breaking about even w/ the money being spent in restaurants per year.

Granted, this is all coming from someone who has had this card under a year- will probably cancel when the one-year mark comes around. This is mainly because I got approved for green, with the sole intent of using standard MR points for traveling, which I intend to do more of this year.

Not a bad card by any means, but if it doesn't fit your spending/earning habits, feel free to certainly look elsewhere.
Currently: American Express Blue Sky, American Express Zync, Chase Freedom Visa, Capital One Newcomers--->converted to Capital One Quicksilver Mastercard NO AF



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