About to apply for AMEX Platinum. Any final tips?

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
takeshi
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Postby takeshi » Fri May 23, 2014 10:19 am

VisaSpeak wrote:Do you think I will have any trouble getting the Plat? I checked Creditkarma and it pegs my score at 740 range,

CK's FAKO doesn't really mean much. Does AmEx pull TU for you to begin with?

VisaSpeak wrote:I get 40,000 points - which I can sell for around $500. So I basically get the plat card free for 2 years, and it looks much cooler than the GOLD.

I guess you can say I want it for the status

Earn rate on MR points (better on the PRG) doesn't matter? I'd agree that it seems odd to go after a high AF card which mainly offers travel benefits if travel doesn't matter but to each his own.


VisaSpeak
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Postby VisaSpeak » Fri May 23, 2014 11:27 am

I have the Freedom as the everyday card

benhollberg
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Postby benhollberg » Sun May 25, 2014 5:02 pm

If you're not going to travel you can still buy airline gift cards with your credit, then sell those gift cards. You won't get a full 100% of the value but it'll help out on the annual fee.

To the others, the card also has perks other than travel. Think about concierge, better retail protections, and if you're into the status then it is the gateway to Centurion. While I probably wouldn't get this card for only those reasons, I get what he is telling us.
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VisaSpeak
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Postby VisaSpeak » Sun May 25, 2014 9:39 pm

I was approved so I'm pretty excited

astronautcowboy
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Postby astronautcowboy » Sun May 25, 2014 11:43 pm

takeshi wrote:CK's FAKO doesn't really mean much. Does AmEx pull TU for you to begin with?


No kidding; it lists a Macy's card owned by my mom or dad from before I was born as one of mine. I suppose that is my curse for moving back home and having the same name as my dad. (The card didn't show on my annual credit report.)

Dman316
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Postby Dman316 » Mon May 26, 2014 9:14 am

AMEX Platinum is pretty much worthless if you don't travel since that's where most of the benefits are.
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MB131174
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Postby MB131174 » Mon May 26, 2014 10:02 am

Dman316 wrote:AMEX Platinum is pretty much worthless if you don't travel since that's where most of the benefits are.


Couldn't agree more. I closed my charge card with AmEx over a year ago. Wanted to put a tighter reign on my spending so I reapplied and got the green card. I don't make enough flights (that I pay for) or gas up the car enough to justify the PRG, I don't really attend concerts, so the green was the best fit. Forces me to better stay in budget (won't allow me to "oh I can take a month or two to pay this off" like the revolvers do), has the protection of AmEx, etc. Yeah, the platinum is flashy; but honestly, cashiers don't even give cards a second look. Most places you swipe your own card anyway now. So, green it is.
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VisaSpeak
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Postby VisaSpeak » Mon May 26, 2014 1:13 pm

I did it for the added prestige.

The AMEX PRG isnt even a good rewards card itself, and for only $275 more a year, I can get a more prestigious card? Sure, why not..

Then with the point bonus, its basically free for two years. Why not?

tigerowl06
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Postby tigerowl06 » Mon May 26, 2014 11:06 pm

I need to open up a business transforming people's Zync/Green/PRG/Plat cards into Centurion-looking cards. I mean just transform the card. Like with paint.
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tigerowl06
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Postby tigerowl06 » Tue May 27, 2014 2:29 am

Somehow, my little sister got an offer in the mail for Platinum with a 100K signup bonus. She hasn't graduated yet. I would have taken THAT offer.
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