The Amex Card I Want

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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MemberSince 79
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Postby MemberSince 79 » Sat Feb 01, 2014 9:30 pm

djrez4 wrote:I like Spunky's idea. A la carte membership perks... Pay for what you want.


Amex tried thst with ZYNC and, I have to assume since they ended the program, it wasn't good business.
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back when it meant something.
And a few other cash back cards as well.


MrMosby
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Postby MrMosby » Sat Feb 01, 2014 11:46 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.


Ramsey's a prick :-). But truthfully, the attention isn't all it's cracked up to be. The Ritz card I have is Anodized Titanium (heavier than the Sapphire) and 50% of the time when I hand it to someone they ask questions.

"What kind of card is that"
"Is that the black card"
"Wow this is heavy, what's it made out of"
"What do I have to do to get that card"

Sometimes it's fun to be "that guy," except when it's not (like when my inlaws are out for dinner with us).
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FastSRT8
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Postby FastSRT8 » Sun Feb 02, 2014 1:14 am

MrMosby wrote:Ramsey's a prick :-). But truthfully, the attention isn't all it's cracked up to be. The Ritz card I have is Anodized Titanium (heavier than the Sapphire) and 50% of the time when I hand it to someone they ask questions.

"What kind of card is that"
"Is that the black card"
"Wow this is heavy, what's it made out of"
"What do I have to do to get that card"

Sometimes it's fun to be "that guy," except when it's not (like when my inlaws are out for dinner with us).



In-laws outlaws. Whatever.

I try to ignore mine. I go about my business and you do yours. Just be cordial.
Carpe diem quam minimum credula postero!

PrinceKristopher
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Postby PrinceKristopher » Sun Feb 02, 2014 9:08 am

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


So funny I came across this post! I've been lurking on the forum for sometime now. I actually work at the BunnyRanch. Sadly we don't accept American Express....

UPS Gregg
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Postby UPS Gregg » Sun Feb 02, 2014 2:14 pm

MrMosby wrote:Ramsey's a prick :-). But truthfully, the attention isn't all it's cracked up to be. The Ritz card I have is Anodized Titanium (heavier than the Sapphire) and 50% of the time when I hand it to someone they ask questions.

"What kind of card is that"
"Is that the black card"
"Wow this is heavy, what's it made out of"
"What do I have to do to get that card"

Sometimes it's fun to be "that guy," except when it's not (like when my inlaws are out for dinner with us).


Concerning Dave Ramsey..... discovering him on my radio dial back in 2004 was the best thing that ever happened to me. But I've been out of debt (minus the house) for 7 years now and will be the first to tell anyone that some of his methods and opinions involve broad sweeping generalizations. But they do get results and he is dead on about the Centurion Card.

I actually considered the Ritz Card too but my travel patterns aren't consistent enough so I was worried that I couldn't recoup the annual fee every year. I went with the Marriott Rewards Card and it came in the mail yesterday and that sucker is pretty heavy too because it's made of metal. Plus, it's black and looks all fancy and what not. But rest assured I got the card strictly for the 70,000 bonus points and free night on every yearly anniversary. It was just too good a deal to pass up.
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*USAA Signature Visa Card CL-$15,000.00
*USAA Rewards Amex CL-$15,000.00
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PrinceKristopher
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Postby PrinceKristopher » Sun Feb 02, 2014 4:34 pm

Maybe one day we will all get what we want......

As A BunnyRanch employee I can tell you we don't accept American Express... :)

MrMosby
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Postby MrMosby » Sun Feb 02, 2014 9:11 pm

I went with the Marriott Rewards Card and it came in the mail yesterday and that sucker is pretty heavy too because it's made of metal. Plus, it's black and looks all fancy and what not. But rest assured I got the card strictly for the 70,000 bonus points and free night on every yearly anniversary. It was just too good a deal to pass up.[/QUOTE]

I'm a consultant, so it made a lot more sense for me I guess. Most of my work is in driving distance, but I am in hotels quite frequently. And it has just enough perks for when I actually have to fly :-)
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Spunky
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Postby Spunky » Mon Feb 03, 2014 12:44 pm

MemberSince 79 wrote:Amex tried thst with ZYNC and, I have to assume since they ended the program, it wasn't good business.


I'm very new to Amex proper so the Zync card is new to me, although from what I've dug up it illustrates a pretty good way of engineering underwhelming value. Steep prices for very specific reward categories, and only express points? It also looked like a further segmentation of the experience.

I actually think there is an important distinction between a la carte and a modular or portfolio kind of approach. There are actually some interesting problems with such granularity as Zync—fun to tinker with when you're talking about an intrinsic or functional value (customizing a car, computer, apparel) but in this case you're dealing with marginal financial perks and "what if" coverages... I don't know, the salad bar too easily leads to a flat, underwhelming salad.

What I'm thinking is not so much fine-tuned control over specific reward categories, but continue their product design as discrete groupings of targeted benefits. You pay for additional types and/or higher levels of membership, but your account has one "point of contact" with the outside world through a card.

I'd imagine a big challenge beyond adoption with this is internal accounting, assuming they have product groups set up as independent P&Ls or something, how to split revenue for charges on a unified account etc.
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MemberSince 79
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Postby MemberSince 79 » Tue Feb 04, 2014 5:08 pm

The world seem to have come down to two types of cards; travel and cash back. Years back, Citi offered one that would do either or and you could switch back and forth, but Amex seems to want two distinct different cards. I would prefer one, but it looks like that is not their market.
Gold American Express, since 1979,
back when it meant something.
And a few other cash back cards as well.



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