Need to get a personal charge card, too

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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Michael79
 
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Need to get a personal charge card, too

Postby Michael79 » Wed Feb 20, 2013 6:59 pm

I've had a business platinum for years and I now need to not only have the Business card but a personal one as well. I've been told to get the premier rewards gold card. And have been told that amex will essentially look at them as the same profile as I'm responsible for all the charges. Is this the best card to get? Does it effect a centurion invitation ?


jriley
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Postby jriley » Thu Feb 21, 2013 7:03 pm

Yes, Premier Rewards Gold is amongst their best cards. I'd recommend it.

Centurion status is a hard thing to comment on... I can't speak authoritatively, but would say that it likely would not hurt your chances to spend more with AmEx.
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Sevenfeet
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Postby Sevenfeet » Thu Feb 21, 2013 7:20 pm

Centurion is a "don't call us, we'll call you thing." You have to send a lot of money through a personal Gold or Platinum card to trigger a Centurion invitation. And no one quite knows what triggers that invite.

Of course, if I won the lottery, I'd probably call them and email them a picture of me holding a big cardboard check. :)
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Snowman
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Postby Snowman » Thu Feb 21, 2013 7:43 pm

As far as the best card to get, I look at it like this

If you want an Amex Charge card for the benefits, it's hard to beat the Platinum
If you want an Amex Charge for an easier way to get points and then transfer them to FF programs, then the PRG is an excellent card with a little less annual fee.

I do have a PRG and I love it, unfortunately I don't know if I should be keeping it as my income is rather low but they accepted me anyhow. It is a charge card and as such you have no preset limit, but from what I have read it is your gross income X2. Ex. I make 950-1k every month so my internal limit would be around 1,800-2k, at least this what I have heard. Your history with them matters a lot as well and how much they are willing to let you spend.

As far as the centurion invite, you have to spend quite a bit in order to be able to get the card. Amex likes to see a lot of luxury spending, and I've heard that you must be a Platinum card holder for 4-5 years and spend nearly 250k (or probably more at this point to be considered) and good standing with Amex. If you meet these conditions and whatever else Amex is looking for in the credit profile for Centurion holders they will send you an invite most likely, but it is an elusive and extremely rare card. I have seen one once before and it was when I was at work a few months ago and I cashed out this guest with a Centurion, nice guy and very good tipper...lol.

LOL@ Sevenfeet for the lottery check...that'll definitely increase one's chances of getting a centurion..lol.
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Robrus1
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Postby Robrus1 » Fri Feb 22, 2013 7:55 am

If I remember correctly minimum spend for Centurion has now been bumped to 300K a year to be considered, however it isn't guaranteed you'll be invited. If you spend/are planning to spend this much or more per year, then get the Platinum. Be patient and wait for an invite and hopefully after a few years of doing this you shall be invited. Until then, I'd recommend the PRG if you use your business platinum for travel. If you're going to use a personal charge card for lots of traveling the Platinum has more benefits, but you'll rack up more points with the PRG.
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Michael79
 
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Postby Michael79 » Sat Feb 23, 2013 4:01 pm

So even though I have a business platinum card I will also need a personal platinum to ever possibly be considered for centurion?



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