Can Amex cards be PC'd before 1 year.

[Subexistence]

I would like to know if Gold card can be converted to BCE before the annual fees come in. I want to chase sign up bonuses so I'm not sure if I should get BCE or Gold Card for sign-up bonuses although ultimately BCE will be my permanet card. I'm also not sure if 25,000 sign up points from Gold Card or $100 from BCE is worth more in gift cards?

[Discover2016]

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@Subexistence wrote:

I would like to know if Gold card can be converted to BCE before the annual fees come in. I want to chase sign up bonuses so I'm not sure if I should get BCE or Gold Card for sign-up bonuses although ultimately BCE will be my permanet card. I'm also not sure if 25,000 sign up points from Gold Card or $100 from BCE is worth more in gift cards?

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Charge cards can't be converted to credit cards like the BCE/BCP, they are completely different products. You can for example convert a BCE to BCP but not to different product family.

[Subexistence]

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@Discover2016 wrote:

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@Subexistence wrote:

I would like to know if Gold card can be converted to BCE before the annual fees come in. I want to chase sign up bonuses so I'm not sure if I should get BCE or Gold Card for sign-up bonuses although ultimately BCE will be my permanet card. I'm also not sure if 25,000 sign up points from Gold Card or $100 from BCE is worth more in gift cards?

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Charge cards can't be converted to credit cards like the BCE/BCP, they are completely different products. You can for example convert a BCE to BCP but not to different product family.

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Hold on Gold Card Premier Rewards is a charge card?

[Discover2016]

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@Subexistence wrote:

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@Discover2016 wrote:

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@Subexistence wrote:

I would like to know if Gold card can be converted to BCE before the annual fees come in. I want to chase sign up bonuses so I'm not sure if I should get BCE or Gold Card for sign-up bonuses although ultimately BCE will be my permanet card. I'm also not sure if 25,000 sign up points from Gold Card or $100 from BCE is worth more in gift cards?

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Charge cards can't be converted to credit cards like the BCE/BCP, they are completely different products. You can for example convert a BCE to BCP but not to different product family.

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Hold on Gold Card Premier Rewards is a charge card?

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Yep, the Gold, Gold Premier Rewards and Platinum are all charge cards and can't be PC'd outside of the charge family.

[Subexistence]

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@Discover2016 wrote:

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@Subexistence wrote:

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@Discover2016 wrote:

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@Subexistence wrote:

I would like to know if Gold card can be converted to BCE before the annual fees come in. I want to chase sign up bonuses so I'm not sure if I should get BCE or Gold Card for sign-up bonuses although ultimately BCE will be my permanet card. I'm also not sure if 25,000 sign up points from Gold Card or $100 from BCE is worth more in gift cards?

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Charge cards can't be converted to credit cards like the BCE/BCP, they are completely different products. You can for example convert a BCE to BCP but not to different product family.

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Hold on Gold Card Premier Rewards is a charge card?

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Yep, the Gold, Gold Premier Rewards and Platinum are all charge cards and can't be PC'd outside of the charge family.

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Looks like I'm going straight to blue cash. Thanks

[longtimelurker]

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@Subexistence wrote:

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@Discover2016 wrote:

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@Subexistence wrote:

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@Discover2016 wrote:

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@Subexistence wrote:

I would like to know if Gold card can be converted to BCE before the annual fees come in. I want to chase sign up bonuses so I'm not sure if I should get BCE or Gold Card for sign-up bonuses although ultimately BCE will be my permanet card. I'm also not sure if 25,000 sign up points from Gold Card or $100 from BCE is worth more in gift cards?

---

Charge cards can't be converted to credit cards like the BCE/BCP, they are completely different products. You can for example convert a BCE to BCP but not to different product family.

---

Hold on Gold Card Premier Rewards is a charge card?

---

Yep, the Gold, Gold Premier Rewards and Platinum are all charge cards and can't be PC'd outside of the charge family.

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Looks like I'm going straight to blue cash. Thanks

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Given that you didn't know PRG was a charge card, I suggest you spend a little bit researching the BCE before applying.  Things like not working well at many targets and Walmarts.   Then if you get it, other stuff such as rewards delayed one month, $25 increments etc.

[Anonymous]

Or do what I did.. get the BCE and the PRG lol!