- Centurion Member
- Posts: 339
- Joined: Fri May 11, 2012 4:08 pm
- Location: Atlantic City, NJ
Out of curiosity, what makes you want the Gold card? Zync has most of the same basic Amex benefits as Green/Gold/PRG at a fraction of the annual fee, unless you signed up for a bunch of the reward packs. Gold is really only worth it unless you go to a lot of entertainment events throughout the year and will take advantage of its perks-- PRG, although having a nice sign on bonus, is outclassed in rewards by the Blue Cash revolvers (esp when you weigh the annual fees, there is no comparison). Other than simply to take advantage of the initial incentive bonus, PRG isn't really that great unless you are a big time traveler, in which case Platinum would be much better to suit your needs. Besides, if you are an AU on that Sapphire Preferred account, that pretty much takes care of your travel needs so the PRG wouldn't really be needed. If you are interested in the PRG because of the extra points on the groceries, there are MUCH more lucrative cards out there for this category, look up the Fidelity Amex or Priceline Visa which both offer 2x on everything and have no annual fee, or the Amex Blue Cash Preferred which offers 6x on groceries at less than half the annual fee of the PRG.
It seems like a lot of the members on this board who are holders of personal Amex Gold and PRG are remorseful of their decisions to get these cards, and don't find that the benefits outweigh the annual fees. I have a Green card myself, and am a little disappointed for all it doesn't do for that $95 annual fee as opposed to all my other cards that greatly outperform it at less or even no annual fee. I planned to app for Zync come January to take advantage of backdating and so I could dump the almost identical Green card, but unfortunately new Zync accounts are no longer available. The annual fee for the Zync ($35 I think, although I could be wrong) is much more fair for the benefits it offers, and is ultimately in my own opinion a better deal than the other Amex charge cards, with the exception of Platinum. That being said, I do think Amex would probably approve you for another charge card.
Just my own thoughts. In any case good luck with your decision.
Now she's eyeless.
The snakes she held once
Eat up her hands.