01-26-2010 06:25 PM - edited 01-26-2010 07:09 PM
So I have had my Green for a week, & just got an offer to get the Gold card today in the mail...
Is there a point to upgrading? I can't seem to find any difference except for the higher AF.
**Edited to add: I think the Gold offer is just a mass mailing...so perhaps it would actually be bad to accept it this soon after the Green??
01-27-2010 04:02 AM
01-27-2010 08:09 PM
01-28-2010 06:44 AM
The account reported to CR's does not indicate what type of account (Green, Gold, Plat). It just indicates AMEX, open date, high balance, etc. So as far as your CR is concerned, there is no difference.
Here is a comparison page:
Gold is supposed to have more comprehensive Travel insurance, misc travel services, gold card events access, international companion fly for free, Hertz rental membership, etc.
If you don't travel alot, don't go to events, don't rent from Hertz, aren't needing to take a companion internationally, etc....then you probably don't need the Gold.
However, if you go to a single event per year, then having access to ticket 2-3 days early in the "preferred seating" sections is worth it. Other AMEX cards can get you early access to tickets, but not to the preferred seating, meaning you have to go nose bleed. So for popular or fast sell out events, this is nice to have.
As for the travel insurance, many cards now provide travel insurance. I just filed a claim through USAA AMEX for trip cancellation due to sickness.
01-30-2010 08:46 AM
01-30-2010 09:13 AM
01-30-2010 01:58 PM
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.