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Regular Contributor
Posts: 181
Registered: ‎08-09-2012
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World Mastercard vs. Amex Zync Benefits

Just wondering which card you would use if scheduling a trip, buying a computer, or for any other high cost charge where a card's benefits may come in handy?  There are a lot of similarities between the two in regards to benefits, but I have no experience with the customer service from either company.  Seems like a lot would depend on their willingness to stand behind their benefits in an easy, time-efficient manner.  I'm waiting for my Zync to get here, and have had a Citi Dividend World Mastercard for the past year.  Just trying to figure out the best one to use for upcoming trips/large expenses.  I'm more concerned about the benefits than the points.  Thanks.




What's in my wallet:



Left to right:
NPSL ($10k approved)
$5k (EMV - Chip & PIN)
$7k (Visa Sig + EMV)
$7.5k (WEMC)

Transunion FICO: 709 (8/13/12) -> 740 (9/24/12)
Credit Karma: 772 (11/24/13)
Credit Sesame: 755 (11/5/13)
Valued Contributor
Posts: 1,990
Registered: ‎09-16-2011
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Re: World Mastercard vs. Amex Zync Benefits

Check each cards rewards programs, you may find  2 or more points per dollars at various electronic stores, newegg,  tigerdirect for example. Some times you get up to 10 points per dollar and they seem to change frequently. 


Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 12/15/2014
Valued Contributor
Posts: 2,505
Registered: ‎11-11-2010
0

Re: World Mastercard vs. Amex Zync Benefits

If I am buying a computer and want extended warranty, I will put it on the order of

 

AMEX (except Citi) > Discover > Visa Signature (except Citi) > Platinum Visa/MC & World MC & All Citi CC

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Regular Contributor
Posts: 181
Registered: ‎08-09-2012
0

Re: World Mastercard vs. Amex Zync Benefits

[ Edited ]

Any reason you specifically rule out Citi and place them last?  

 

And I guess you would say Amex > World Mastercard for travel benefits too?  Well, I guess not the benefits themselves, as a lot depends on the specific card, but as far as standing behind stated benefits (which appear to be almost identical between the two when comparing World Mastercard to the Zync, unless I'm missing something).




What's in my wallet:



Left to right:
NPSL ($10k approved)
$5k (EMV - Chip & PIN)
$7k (Visa Sig + EMV)
$7.5k (WEMC)

Transunion FICO: 709 (8/13/12) -> 740 (9/24/12)
Credit Karma: 772 (11/24/13)
Credit Sesame: 755 (11/5/13)
Valued Contributor
Posts: 2,505
Registered: ‎11-11-2010
0

Re: World Mastercard vs. Amex Zync Benefits

[ Edited ]

ramblin_wreck08 wrote:

Any reason you specifically rule out visa and place them last?  

 

And I guess you would say Amex > World Mastercard for travel benefits too?  Well, I guess not the benefits themselves, as a lot depends on the specific card, but as far as standing behind stated benefits (which appear to be almost identical between the two when comparing World Mastercard to the Zync, unless I'm missing something).


When it comes to purchase protection and extended warranty, AMEX wins hands down since you can file claim online and the review is excellent. Next is Discover (issued directly from Discover website, not card like Walmart Discover) for long duration of extended warranty (one additional year on top of original warranty less than 36 months).

 

Visa Signature follows Discover but Visa requires assessment, recipe and has about 2 weeks of turnaround for reimbursement.

 

Platinum Visa, all MasterCard, and all CC issued by Citi (Citi does not rely on Visa/MC/AMEX for warranty/protection) have the worst extended warranty (doubling original warranty only if original is less than a year).

 

Travel benefit wise it depends on which card you have.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Regular Contributor
Posts: 234
Registered: ‎08-04-2012
0

Re: World Mastercard vs. Amex Zync Benefits

American Express is the best choice. I purchased a laptop with the card and they covered the entire cost to repair it.

 

Also when I had to dispute a charge because a merchant would not refund Amex took care of it.

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