Credit Card Center Advertiser Disclosure

Regular Contributor
Posts: 243
Registered: ‎02-29-2012
0 Kudos

Amex PRG or Platinum?

I have been using the Zync for the past 9 months, charging up to 1.5k per month. When I first got it, I was not interested in redeeming my points for travel, as I was not traveling. However, things are going to change. I will be traveling once per year (starting next year, around March) from NYC to Santo Domingo, and I will be purchasing two tickets. I am thinking of waiting until my Zync becomes upgradeable, and then going for either the PRG or Platinum. That way, I can save my points and then transfer them to a program to buy the tickets next year. Or perhaps I However, I am not sure which one to go for. I am thinking about the Platinum because of the luggage fee credit, but I have never travel so I don't know how much the luggage fee will be. On the other hand, the PRG will give me triple points for travel.


Any thoughts? Since I will only be traveling once per year, is the PRG or Platinum even worth it?

Zync from American Express- NPSL
Amex BCE- $1,000
Discover IT- $1,500
Bank of America 1-2-3 Rewards-$1,000
Chase Freedom- $500
Capital One- $500
Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
0 Kudos

Re: Amex PRG or Platinum?

If the luggage fee credit is the only perk you are going to get out of the platinum, then it isn't worth it. Go with the PRG instead.
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Established Contributor
Posts: 945
Registered: ‎07-24-2012
0 Kudos

Re: Amex PRG or Platinum?

First of all please don't upgrade your Zync card. You will not receive a signup bonus and those can be lucrative. How much spend per year can you put on the new card? Do the math and see if you can earn enough points via spend to redeem points for flights. If the answer is no then it's not worth it. If it's close then perhaps the Platinum $200 airline credit will help make it worth it for you. Baggage fees are about $25 per bag per person one way for the first bag, and more for the second. Two people with one bag each for the trip you noted would be $100 so it might not be worth it if that's your only flight per year. 


Honestly one flight per year should not warrant a card with airline benefits. The AF would be greater than the perks. 

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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.