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List best benefits from using amex green card. or your favorite :-) $95 annual fee worth it?
The only benefit I see is it helps you get your foot in the door with Amex to qualify for their better cards and that leads to a lot of good benefits! ;P
haha. I hope I end up making good money to use those high cards! My parents have the platinum but they charge over 250+ alone on bull**bleep**. they want a black.
Is the Amex Green worth it? Here is the thread:
Ron.
I would just point out that the thread Ron links to was from before the discontinuation of the zync. While zync existed, the green had little value. Now, however, it is the cheapest charge card available for personal use. It's main benefit is for people with high monthly spends, but low credit limits or people who used to have plat or prg, don't travel any more, but have a bunch of mr points they want to keep active.
@Cdnewmanpac wrote:I would just point out that the thread Ron links to was from before the discontinuation of the zync. While zync existed, the green had little value. Now, however, it is the cheapest charge card available for personal use. It's main benefit is for people with high monthly spends, but low credit limits or people who used to have plat or prg, don't travel any more, but have a bunch of mr points they want to keep active.
AKA......No benefit at all!
IMO the Green card is a straight rip off. There are tons of no/low af cards that give better benefits/cashback/points. Hell, even the US Bank Cash+ is better. 5% back on airfair/hotels/restaurants/car rentals and Visa Sig benefits. It's a no brainer IMO. Even if you transfer the MR points to an airline at 2-3x value the Cash+ would still save you money. Just my opinion. Now the BCP is a different story....
Double post and off topic. sorry
@garci349 wrote:
Im putting about 1k a month. Its my only card with rewards
Why don't you ask BoA to add 123 rewards to your card? Or ask US BANK for a PC? Boa was more than happy to PC my Visa card to whatever I wanted, Visa plat to 123 to travel rewards and to a Travel Rewards Sig.
@flowfaster wrote:AKA......No benefit at all!
IMO the Green card is a straight rip off. There are tons of no/low af cards that give better benefits/cashback/points. Hell, even the US Bank Cash+ is better. 5% back on airfair/hotels/restaurants/car rentals and Visa Sig benefits. It's a no brainer IMO. Even if you transfer the MR points to an airline at 2-3x value the Cash+ would still save you money. Just my opinion. Now the BCP is a different story....
I agree, but it's always difficult to know whether a card is really worth it!
One common thing is people "saving" with points etc, but are in fact buying things that that wouldn't otherwise buy, just to get the rewards (which is of course why the issuers and partners create these cards).
For that reason I prefer straight cash back cards that don't encourage special behavior like "Since Chase Freedom has 5% at store X this quarter, I will go there and buy..."
So I like cards like the Fidelity Amex, which you can just use instead of cash (where they take it of course) without changing your behavior and get 2% off, and then special cases like BCP and PenFed Platinum Rewards, which have very generous (near)-cash back in the useful year-round categories of groceries and gas.
(But nothing like hypocrisy: I have bought arguably unnecessary gift cards at grocery stores with my BCP "because they are 6% off."!)
If your patterns are different, such as always eating out and not driving, but love travel, the Amex Green is a better choice (but as flowfaster says, probably not the best choice).
Other than the prestige factor, airline status and CSRs, I didn't notice too many tangible differences benefits-wise from the platinum vs the centurion. The only thing that really stood out is how people received you upon showing them the card. In many cases it was more hassle than it was worth.
@garci349 wrote:haha. I hope I end up making good money to use those high cards! My parents have the platinum but they charge over 250+ alone on bull**bleep**. they want a black.