Need to get a personal charge card, too

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
6 posts
Posts: 2
Joined: Wed Feb 20, 2013 6:53 pm
Location: Ct

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 ?

Platinum Member
Platinum Member
Posts: 66
Joined: Tue Oct 30, 2012 7:10 pm
Location: Atlanta, GA

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.
Looking to maximize credit, for myself and others.

Fidelity Investment Rewards
American Express Platinum for Morgan Stanley
Chase Sapphire Preferred

Centurion Member
Centurion Member
Posts: 532
Joined: Thu Jan 17, 2013 7:20 pm
Location: United States

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. :)
American Express Platinum (NPSL)
Penfed Platinum Reward Visa ($28K)
Chase Freedom Visa ($25K)
Fidelity American Express ($20K)
American Express Blue Cash Preferred ($20K)
Bank of America Cash Rewards MasterCard ($20K)
Citi Thank You Preferred Visa ($9.5K)
Chase Sapphire Preferred ($7.5K)
US Bank Cash + Visa Signature ($7K)
Discover IT ($4K)

User avatar
Centurion Member
Centurion Member
Posts: 630
Joined: Thu May 10, 2012 10:10 pm
Location: North Los Angeles County

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

LOL@ Sevenfeet for the lottery check...that'll definitely increase one's chances of getting a
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

Centurion Member
Centurion Member
Posts: 797
Joined: Tue Oct 02, 2012 3:25 pm
Location: Texas

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.
Amex Platinum
Amex BCP 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K

Posts: 2
Joined: Wed Feb 20, 2013 6:53 pm
Location: Ct

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?

Return to “American Express”

Who is online

Users browsing this forum: No registered users and 3 guests