- Centurion Member
- Posts: 4060
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
Kevin, if the rewards and perks of an Amex charge card make sense for you, then get one. The effective CL an grow very quickly and exceed what a WMC/VS card can generally offer.
I used to feel the way you do...but all I care about now CL-wise is whether a charge can go through or not, and Amex is really the best at that.
And Amex is also great for unusual transactions. CSP requires travel notifications and occasionally rejects a genuine transaction. CSP has blocked my online transactions before (multiple transaction on one day), and I had to call them 24 hours later (when I got merchant emails about rejected transactions) to find out what the problem with the card was. They did nothing to reach out to me. Discover has declined a transaction, but at least sent me an email right away to let me know there was suspicious activity.
I like it that Amex will just go through smoothly for slightly-unusual transactions. I don't have to worry about a too-suspicious fraud detection algorithm.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech