04-12-2013 11:33 PM
04-13-2013 06:49 AM
i haven't heard anything about the rewards being removed ,but they did disc the packs and issued refunds for any packs you had, i had the connect and saw the refund earlier this week. i am in no hurry to PC either since all the other charge cards AF start @95. Overall i been disappointed by AMX because they did away w/ the MR mall now its just point per dollar. i will wait till im forced to change or hike up the AF on zync but its def. going to see alot less use now. i am only keeping it with the hopes of PC to BCE and get backdating next year sometime after all but 1 of my negs will be gone
04-13-2013 09:15 AM
I attempted to close my Zync today, but was given a retention offer of $20 or 3,000 MR points. I took the MR points. The MR points are worth at least $0.01 per point, so I gain $5 above the annual fee. Plus, the CSR maintains that Zync spending will still get 1 MR point per dollar. I think I will just keep my recurring expenses (cable, cell phone, newspapers, etc) on my Zync card and sockdrawer it. I will bring it out during Small Business Saturday to get the credits offered there. No plans on trying to do a PC given I have a Platinum already and I don't want to pay a fee for the PRG this year.
04-13-2013 09:15 AM
Are they discontinuing the Zync entirely? I noticed it is not even offered on the website anymore.
AFAIK you can't apply for it but I think they are slowly phasing it out....possibly by end of the year/beggining of '14 making cardholders PC.
04-13-2013 09:19 AM
Alcibiades wrotelus, the CSR maintains that Zync spending will still get 1 MR point per dollar.
So long as it keeps earning MR points, I'd keep the Zync and not upgrade until I've accrued enough MRE points where I can book a nice flight through the MR program.
In the future, the way to go is Senior Member Green for $35 + Blue.
04-13-2013 11:10 AM
Different people have gotten different responses from the AskAmex twitter account. It varies just as much as the telephone CSR answers.
04-13-2013 11:12 AM
I saw this on twitter:
I would just say call in at the beginning of the month. These people cant seem to get a solid date set.
04-18-2013 10:39 AM
Can normal membership points be used for everyday charges like the MR Express points?
My wife is using the Unicorn card for reimburseable gas expenses right now. I am running the numbers on whether or not I should PC to something else.
I really like having a charge card that doesn't impact utilization. We make enough that a few dollars in rewards is not a big windfall for us, but at the same time I don't want to be in the red on the annual fee. Also, the NPSL is nice in case we have a month where there are significant travel expenses. She spends a minimum of 500 per month on gas. With the Zync, 6k a year in spending equates to less than 40 bucks in cashback. More than enough to cover the 25 dollar AF, but not much else. There are a few card benefits, plus the wow factor of flashing a unicorn.
If I spring for the PRG, she gets double points on gas for 12,000 minimum points per year. That's 120 bucks towards the 195 dollar fee, meaning I have to come up with 7,500 or 625 a month more in single point spending just to break even, or increase gas spending to 812. Probably not worth it.
The Gold Card is only 125, but I lose the double points on gas. So I end up with 60 bucks towards the fee, less than half of it. I have to spend a grand a month to break even.
The Green Card is 95, so I have to spend 800 a month to break even.
If I have analyzed this correctly, I should keep the Unicorn until the gas spending on the card hits 800. At that point, the return on the green and PRG are close enough.
Am I missing anything important?
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.