cancel
Showing results for 
Search instead for 
Did you mean: 

Centurian + Platinum +Gold +Green + Zync

tag
crunching_numbers
Valued Contributor

Centurian + Platinum +Gold +Green + Zync

For those of you with multiple AMEX charge cards, what is the advantage of multiple cards? I have noticed more than one wallet with more than one card. I personally have a Rewards Plus Gold card and a revolver (BCP). It seems like having more would just mean more fees. Is there something I am missing?


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 1 of 14
13 REPLIES 13
espnjunkie
Established Contributor

Re: Centurian + Platinum +Gold +Green + Zync

Some people link a green/gold/pr gold/plat to a zync card for the bonus category packs. Other people may have a business amex charge and a personal amex charge. Aside from that there is not much point in having more than one charge account open.

“The real measure of your wealth is how much you’d be worth if you lost all your money.” ~Unknown
Citi Prestige World Elite Mastercard ($35,000.00), Merrill+ Visa Signature ($25,000.00), Amex BCP ($29,700.00), Amex Green (NPSL), Capital One Quicksilver World Mastercard ($10,000.00), Chase Ink Business Bold (NPSL)
TU-778 (12/03/2014))
EX (Plus) - 777 (10/21/2013)
EQ - 735 (April 2013)
Message 2 of 14
Anonymous
Not applicable

Re: Centurian + Platinum +Gold +Green + Zync

Other than multipliers, I would have no clue. Plat and cent are linked forming Platianium and pr is there for multipliers.

Message 3 of 14
dmbtay
Regular Contributor

Re: Centurian + Platinum +Gold +Green + Zync

We basically use zync to auto pay our cable bill & itunes (so roughly $250 a month x2 MR).  We use our platinum for almost everything else, with the exception of Blue Preferred for groceries (6% back on $6k per year = $360). 

Message 4 of 14
JustMe77
Frequent Contributor

Re: Centurian + Platinum +Gold +Green + Zync

 I think a lot of people here have multiple Amex's because of the backdating. If you are going to open a new card, might as well be a card that will backdate.

 

I can see multiple revolvers, but personally multiple charge cards seems odd to me too.

Current Cards: Banana Republic Visa ($5,300), Chase Freedom ($2,000), Discover It ($11,500), Amex Costco True Earnings ($5,000), Chase Slate ($2,500)
Message 5 of 14
crunching_numbers
Valued Contributor

Re: Centurian + Platinum +Gold +Green + Zync


@Anonymous wrote:

Other than multipliers, I would have no clue. Plat and cent are linked forming Platianium and pr is there for multipliers.



What, may I ask, is Platianium?


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 6 of 14
Anonymous
Not applicable

Re: Centurian + Platinum +Gold +Green + Zync


@crunching_numbers wrote:

@Anonymous wrote:

Other than multipliers, I would have no clue. Plat and cent are linked forming Platianium and pr is there for multipliers.



What, may I ask, is Platianium?


Lol finally someone asked. I was going for a version of Carbotanium with cards and came up with platanium. Carbotanium is carbon fiber and titanium and platanium is platinum and titanium. Smiley Very Happy 

Message 7 of 14
LS2982
Mega Contributor

Re: Centurian + Platinum +Gold +Green + Zync


@Anonymous wrote:

Other than multipliers, I would have no clue. Plat and cent are linked forming Platianium and pr is there for multipliers.



Smiley Very Happy




EQ FICO 548 3/3/16
Message 8 of 14
LS2982
Mega Contributor

Re: Centurian + Platinum +Gold +Green + Zync


@Anonymous wrote:

@crunching_numbers wrote:

@Anonymous wrote:

Other than multipliers, I would have no clue. Plat and cent are linked forming Platianium and pr is there for multipliers.



What, may I ask, is Platianium?


Lol finally someone asked. I was going for a version of Carbotanium with cards and came up with platanium. Carbotanium is carbon fiber and titanium and platanium is platinum and titanium. Smiley Very Happy 


Say that 5 times fast Smiley Frustrated




EQ FICO 548 3/3/16
Message 9 of 14
Walt_K
Senior Contributor

Re: Centurian + Platinum +Gold +Green + Zync

Platinum is a card that a lot of people carry for its benefits and not for the rewards.  It only earns 1 MR point for all purchases, and gets some additional bonus for purchases made through Amex's shopping portal, but its base earning is pretty much 1 point.  A lot of frequent travelers carry it for the lounge access alone, and never put any spend through the card.  They put their spend on other cards like PR Gold card, Starwood card, or maybe a non-Amex like Sapphire Prefferred.  For example, pairing it with the PR Gold, you put all of your airline travel through that card because it earns 3x points for all airfare.  This doesn't work if you don't spend that much on airfare, but if you spend a lot on airfare, especially reimbursable travel for work, the annual fees are easily made up for.


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


Take the FICO Fitness Challenge
Message 10 of 14
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.