Is it really worth the $195 AF, really want an amex charge and AAoA is finally at 2 years so I was going to try for it or would I be sufficent with like the Green.
EX score is a 691.
Prg has no af first year so you can test it out. Also green card isn't really a great card other then being a charge card, since amex ed beats it in most cases with no annual fee
@Harvey26 wrote:Is it really worth the $195 AF, really want an amex charge and AAoA is finally at 2 years so I was going to try for it or would I be sufficent with like the Green.
EX score is a 691.
It depends on your type of spend I suppose. I've had the card in the past and liked it, but I got it mainly for when I was starting up with amex. The AF is waived first year. Beyond that it culd be worth it if you have heavy airline spend. If you don't have significant airfare spend then the only reason I would consider it is if you needed a charge card, because you can't get a revolver that will cover your charges. The bonus categories beyond airlines are ok, but you can get better deals.
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@Mattopotamus wrote:
@Anonymous wrote:I recently got the PRG with the 50K offer. $195 AF does seem steep, but with it waived the first year and $100 airline credit each year by the time you pay first AF you will have $200 in airline credits. Which if you travel frequently can be really useful. It also gives 3x points on airlines which is more than CSP while also giving 2X at restaurants (like CSP) and 2X at grocery stores (unlike CSP). I also paired the app with an ED which with no AF and being a revolver can complement the PRG nicely for MR points.
I actually think you get 4 points for travel if you use the Amex travel portal
Just in follow-up to the post you quoted, If you have the ED card you are already getting 2x at grocery stores and that is without an AF at all. Also, looking at the terms you do not always get bonus points for purchases at restaurants located in hotels/casinos/event venues. It will come down to how these locations are coded. The restaurants have to be in the US. I'm wondering if it is the same thing with the CSP, since I never really looked at this before. One factor in favor of the PRG is that I don't see a cap on the category spend so if you have major spend per year on groceries (well beyond 6k) then it may be worth doing the math.
@jace8602 wrote:
@Harvey26 wrote:Is it really worth the $195 AF, really want an amex charge and AAoA is finally at 2 years so I was going to try for it or would I be sufficent with like the Green.
EX score is a 691.
Are you traveling and eating out a lot where you can earn the most points? Do you want or need the card? When it reports to the credit bureaus it doesn't show a credit limit only high balance. Amex charge cards all have the same credit criteria.
I eat out literally ALL the time and also saw the gas thing too