- Green Member
- Posts: 11
- Joined: Wed Jan 22, 2014 10:25 am
- Location: US
I've been thinking about getting my first Amex recently, and have been eyeing the Platinum card due to the travel benefits and a few more features than the Gold offerings. Platinum does have the unattractive $450 AF, but I figured with doing $200 in either United or Delta gift cards since I travel them the most often out of the other carriers, that would take care of some of it. This would also be my first charge card instead of a credit card, but I 9 times out of 10 pay off all balances within the grace period anyway without accumulating interest charges. It's more of a gun shyness of just liking to have the convenience to carry a balance, but I suppose I can purpose the card just for purchases I know can be paid for immediately within the month, obviously.
One of the concerns that I had with reading about the shake up in some of the benefits was the airport lounge access. Since American Airlines and US Airways lounges are soon to be discontinued, I was curious about United since I fly them the most as of lately. Are their lounges included in the Priority Pass Select membership? If not, I wondered if flying with United with the Platinum card would allow me into a Delta lounge since they're on the list of airline lounges that are included.
Also, wondering if I should call instead of signing up online to see if they'll give me more than the current 25K points offer that is going on right now. I haven't gotten an invite in the mail to sign up with Amex (at least that I remember), nor do I see any inquiries when I've been logging into Equifax monitoring. Double checked on their "respond to mail offer" link and put in my information to do a lookup, and it returned that they hadn't sent me anything "but you might be interested in these cards" and displayed Gold, Platinum, and the Blue Preferred.
With a 738 score and the following accounts, I suppose I'm okay to apply:
BofA Cash Rewards [$6K limit]
Discover [$3K limit]
Capital One [never really use it, but $2,750]
Authorized user on an existing Amex Blue Cash Preferred [from my college days, parents account]
Length of Credit History: 10 Years, 10 Months [I was once an authorized user on a parent's Citi card that was opened in '03, closed 12/2013]
Average Account Age: 4 Years, 4 Months
1 inquiry in the past two years [opened a car loan this past summer, my first]
The hotel program incentives look pretty attractive, although I don't stay in hotels *often*, it's been part of the "convincing myself" process. The Starwood Preferred Guest status makes it somewhat worth my while as opposed to getting the Amex SPG card standalone.
From lurking around here the last few weeks, it seems like everyone has had stories about why they like Platinum better than the others in comparison it Gold and BCP, even though I know the revolvers have their own set of different benefits.
Anyone have any new stories starting out the year as to why you'd recommend Platinum at this point?