The Amex Card I Want

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
Spunky
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Postby Spunky » Sat Feb 01, 2014 2:55 pm

I would love to see a card that fully merges the two benefits as well, but I also recognize the clear delineation in products. The PRG is geared toward regular domestic spending, the Platinum is oriented completely toward international travel. Different products for different periods of life.

This distinction also suggests a separation of business units internally at Amex. Creating a new "super" product between Gold/Platinum and Centurion (Titanium? Unobtanium?) seems like it would just create a big messy gray area between all three divisions.

As the end customer, what I find disruptive are internally-competitive decision points that make it seem like I'm working with completely different companies—do I put a flight on PRG for 3x/4x points, or do I elect the superior insurance coverages of Platinum? These end up feeling like cost decisions rather than benefit/value-driven.

So something I would be very curious to see is a unification of accounts and benefits behind the scenes. If you add or remove product levels/types, the best available benefits take priority. The customer experience focus shifts to overall membership with Amex and what features you have access to.

Heck, I know most people love the bling factor of plastic colors, but the cards themselves could become a single un-tiered American Express Member card. Your customer "level" is between you and Amex. I think that kind of restraint could be marketed uniquely to sidestep the "bling" wars. Mature, discrete, classy.
MB Amex Platinum | Amex Premier Gold | Amex Everyday Preferred 25k | Citi Executive 22.5k | Barclay Arrival 12.5k | USAA Amex 10.5k | WF Platinum Visa 5k | Chase Visa | GECRB Visa

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PrinceKristopher
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Postby PrinceKristopher » Sat Feb 01, 2014 5:32 pm

MrMosby wrote:What if they threw in Gold Status at the Bunny Ranch?


Ive been lurking on the board for sometime now!! Funny I should came across this post! I work at the BunnyRanch and sadly we DONT accept American Express

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djrez4
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Postby djrez4 » Sat Feb 01, 2014 6:57 pm

I like Spunky's idea. A la carte membership perks... Pay for what you want.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
[/RIGHT]

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FastSRT8
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Postby FastSRT8 » Sat Feb 01, 2014 7:11 pm

It's a good idea but I'm afraid this sort of outside the box thinking is held by only a few thus from Amex point of view, not financially viable.

People love bling. People go crazy for attention... that's sadly what this world wants
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UPS Gregg
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Postby UPS Gregg » Sat Feb 01, 2014 7:24 pm

An Amex card that is accepted EVERYWHERE that VISA and MasterCard is accepted would be a start.
Current FICO: 805 (Equifax)

Current Cards:

*USAA Platinum MasterCard CL-$1,000.00
*USAA Signature Visa Card CL-$15,000.00
*USAA Rewards Amex CL-$15,000.00
*HSBC Best Buy Card CL-$3,300.00
*Amex Macy's CL-$8,000.00
*JPMorgan Chase Marriott Rewards Premier Visa Signature CL-$20,000.00

Moneytalks
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Postby Moneytalks » Sat Feb 01, 2014 7:40 pm

GGAAHHH, I WANT THE BLACK CARD BECAUSE IT MAKES ME BETTER THAN YOU....haha, jk, but that's how some people act when they're at the cash register (I've seen it happen)

I like the idea...problem is, Amex isn't a "build a bear workshop", they offer products and you accept them as they are or go over to Chase, Citi, etc.
Wallet: Amex BCE & Chase Freedom. (Credit Card dieting since 2014)

UPS Gregg
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Postby UPS Gregg » Sat Feb 01, 2014 8:00 pm

Moneytalks wrote:GGAAHHH, I WANT THE BLACK CARD BECAUSE IT MAKES ME BETTER THAN YOU....haha, jk, but that's how some people act when they're at the cash register (I've seen it happen)

I like the idea...problem is, Amex isn't a "build a bear workshop", they offer products and you accept them as they are or go over to Chase, Citi, etc.


I did just go over to Chase. LOL!
Current FICO: 805 (Equifax)

Current Cards:

*USAA Platinum MasterCard CL-$1,000.00
*USAA Signature Visa Card CL-$15,000.00
*USAA Rewards Amex CL-$15,000.00
*HSBC Best Buy Card CL-$3,300.00
*Amex Macy's CL-$8,000.00
*JPMorgan Chase Marriott Rewards Premier Visa Signature CL-$20,000.00

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FastSRT8
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Postby FastSRT8 » Sat Feb 01, 2014 8:16 pm

Moneytalks wrote:GGAAHHH, I WANT THE BLACK CARD BECAUSE IT MAKES ME BETTER THAN YOU....haha, jk, but that's how some people act when they're at the cash register (I've seen it happen)


OMG ROFL.... I have never seen that in person although I've heard of all the more common comments associated with the said black card. IF I did hear that, I would simply tell the guy or gal.... why don't you just go to Ebay 'like I did' and order one up. It's non functional but you can have it with you name on it :p. You can pose at will!" Stick it on the first slot of your wallet and start impressing hahahahhahaha
Carpe diem quam minimum credula postero!

UPS Gregg
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Postby UPS Gregg » Sat Feb 01, 2014 8:38 pm

FastSRT8 wrote:OMG ROFL.... I have never seen that in person although I've heard of all the more common comments associated with the said black card. IF I did hear that, I would simply tell the guy or gal.... why don't you just go to Ebay 'like I did' and order one up. It's non functional but you can have it with you name on it :p. You can pose at will!" Stick it on the first slot of your wallet and start impressing hahahahhahaha


Anyone I know, or have ever met, that knows how much the Centurion card costs every year wouldn't be impressed if someone handed it to them to pay. Especially a fake one. LOL! There are so many Dave Ramsey fans around here so paying that much just for the status that comes with the card (which is what many, not all, Centurion Card holders probably do) is considered rather silly (financially speaking) to most. I remember when the Centurion Card was all over the news and web a couple of years ago. Dave Ramsey had a ball bashing it.
Current FICO: 805 (Equifax)

Current Cards:

*USAA Platinum MasterCard CL-$1,000.00
*USAA Signature Visa Card CL-$15,000.00
*USAA Rewards Amex CL-$15,000.00
*HSBC Best Buy Card CL-$3,300.00
*Amex Macy's CL-$8,000.00
*JPMorgan Chase Marriott Rewards Premier Visa Signature CL-$20,000.00

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FastSRT8
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Postby FastSRT8 » Sat Feb 01, 2014 9:06 pm

UPS Gregg wrote:Anyone I know, or have ever met, that knows how much the Centurion card costs every year wouldn't be impressed if someone handed it to them to pay. Especially a fake one. LOL! There are so many Dave Ramsey fans around here so paying that much just for the status that comes with the card (which is what many, not all, Centurion Card holders probably do) is considered rather silly (financially speaking) to most. I remember when the Centurion Card was all over the news and web a couple of years ago. Dave Ramsey had a ball bashing it.


LOL I wish I could have followed the ball bashing back in the day. It would have been fun. Clearly it's not for everyone. To each their own. But I agree. If you are flaunting it every time then there is an issue there. If like me one uses it to pay and doesn't give it any added attention, then to me that speaks volumes.
Carpe diem quam minimum credula postero!



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