topic Re: AMEX wants my business ? ? ? in Credit Card Applications

AMEX wants my business ? ? ?

Aim_High — Mon, 18 May 2020 22:32:12 GMT

I've had a few AMEX cards before and been looking at dipping back into those waters. After dancing around the preapprovals page for months, I've seen several better-than-average SUBs. Today, if I'm not mistaken, all my offers are above-average!

Is this my imagination or is everyone seeing these higher offers?

Or are these high offers?

Are there better ones that someone could reasonably receive?

Overall, this is probably the most enticing set of offers I've ever received personally, although I think I've heard of some selected higher spot ones. While I have other credit objectives, I'm debating if now is maybe the time to pull the trigger after all.

Thoughts?

Browser page is still open for now.

*The two most appropriate to profile would be the BCP and Gold.

75K MR points on Platinum ($5K spend in 3 months)

50K MR points on Gold ($4K spend in 3 months)

45K MR points on Green ($2K spend in 3 months)

$300 Cash SUB on Blue Cash Preferred ($1K spend in 3 months)

Re: AMEX wants my business ? ? ?

K-in-Boston — Mon, 18 May 2020 22:16:35 GMT

They are not record-breaking, but they are all elevated and very good offers. There would be NO shame in grabbing any of them.

Friends don't let friends mix and match cash back and MRs, though. So choose a side.

Re: AMEX wants my business ? ? ?

Aim_High — Mon, 18 May 2020 22:22:08 GMT

@K-in-Boston wrote:
They are not record-breaking, but they are all elevated and very good offers. There would be NO shame in grabbing any of them.
Friends don't let friends mix and match cash back and MRs, though. So choose a side.

Thanks, K! I had hoped you'd chime in since I know you know your travel cards and AMEX. That's kinda what I thought ... elevated but not record breaking. Still, better offers than they've been showing me overall.

So, what would you say the standard and record-breaking offers would be on each card in the past year or two?

Re: AMEX wants my business ? ? ?

wasCB14 — Mon, 18 May 2020 22:22:44 GMT

@K-in-Boston wrote:
They are not record-breaking, but they are all elevated and very good offers. There would be NO shame in grabbing any of them.

Friends don't let friends mix and match cash back and MRs, though. So choose a side.

Guilty here! But I only stray when I need a V/MC or can get 5%+.

I think 125k Platinum has been reported. I'd hold out for at least 100k there as a newly-returning-to-Amex customer.

Re: AMEX wants my business ? ? ?

Aim_High — Mon, 18 May 2020 22:27:54 GMT

@wasCB14 wrote:
I think 125k Platinum has been reported. I'd hold out for at least 100k there as a newly-returning-to-Amex customer.

I have heard of the 100K to 125K SUB on Platinum, but that seems to be pretty rare and targeted, from my understanding. Is that correct?

And the 50K on Gold is better than average. I think 35K is standard offer now. How high has anyone seen it go?

Re: AMEX wants my business ? ? ?

wasCB14 — Mon, 18 May 2020 22:30:23 GMT

@Aim_High wrote:
@wasCB14 wrote:
I think 125k Platinum has been reported. I'd hold out for at least 100k there as a newly-returning-to-Amex customer.
I have heard of the 100K to 125K SUB on Platinum, but that seems to be pretty rare and targeted, from my understanding. Is that correct?

And the 50K on Gold is better than average. I think 35K is standard offer now. How high has anyone seen it go?

I've heard of 75k, not sure of the details. I think there has also been 65k over two years.*

*40k+ 25k at renewal

Re: AMEX wants my business ? ? ?

K-in-Boston — Mon, 18 May 2020 22:32:00 GMT

60-40-30 on the charge cards and $250 on the revolver are the current referral offers and those are pretty much inline with standard offers. Waiting for a 100k on Platinum or 75k on Gold can be an exercise in futility but they do come up.

IIRC the 125k on Platinum may have been a targeted link that was shared and ripe for claw-back?

Re: AMEX wants my business ? ? ?

wasCB14 — Mon, 18 May 2020 22:36:31 GMT

@K-in-Boston wrote:
60-40-30 on the charge cards and $250 on the revolver are the current referral offers and those are pretty much inline with standard offers. Waiting for a 100k on Platinum or 75k on Gold can be an exercise in futility but they do come up.

IIRC the 125k on Platinum may have been a targeted link that was shared and ripe for claw-back?

I actually see only 35k on the Gold, not 40k. But I had PRG from 2014-2016 so AFAIK I'm not eligible for another 12 months or so.

Maybe I'm using my WWFCR too much and neglecting Amex cards after taking Schwab retention. No apps imminent, though.

Re: AMEX wants my business ? ? ?

Anonymous — Mon, 18 May 2020 22:39:43 GMT

@Aim_High wrote:
@wasCB14 wrote:
I think 125k Platinum has been reported. I'd hold out for at least 100k there as a newly-returning-to-Amex customer.
I have heard of the 100K to 125K SUB on Platinum, but that seems to be pretty rare and targeted, from my understanding. Is that correct?

And the 50K on Gold is better than average. I think 35K is standard offer now. How high has anyone seen it go?

If you have a player 2. You can get 20k referral + 50k SUB for 70k MR total for the Gold and 95k MR for the Platinum.

Re: AMEX wants my business ? ? ?

M_Smart007 — Mon, 18 May 2020 22:40:42 GMT

@Aim_High, read your title " AMEX wants my business "

..looked at the cards and thought, hmmmmm "Amex wants those AF's

Re: AMEX wants my business ? ? ?

K-in-Boston — Mon, 18 May 2020 22:42:42 GMT

Is that screenshot from today? Why are your referral offers better than mine, Steve? I'm taking my toys and going home. 🧸

Re: AMEX wants my business ? ? ?

Anonymous — Mon, 18 May 2020 22:57:14 GMT

@K-in-Boston wrote:
Is that screenshot from today? Why are your referral offers better than mine, Steve? I'm taking my toys and going home. 🧸

Yes, 10 mins ago. It a secret hack. lol I email the referral link to my gmail then from there open the link in Chrome incognito mode. The offers are always higher than the standard referral offers.

Re: AMEX wants my business ? ? ?

Aim_High — Mon, 18 May 2020 22:48:31 GMT

@wasCB14 wrote:
@K-in-Boston wrote:
60-40-30 on the charge cards ... Waiting for a ... 75k on Gold can be an exercise in futility but they do come up.
I actually see only 35k on the Gold, not 40k. But I had PRG from 2014-2016 so AFAIK I'm not eligible for another 12 months or so.

That's what I've seen more of. Gold has been 35K most times I've seen it. So a 50K offer is worth at least another 10K-15K in MR points, which is about $200 to $300 at estimated 0.02 ccp, correct? That seems a pretty good increase over the going rate.

My dilema is that I'm normally AF-averse. I thought pretty carefully before I apped for the CSR, and now I'm getting 3% - 6% back on it for dining. And I already get 3% or better back on groceries on other cards. Not sure I'll maximize the credits or 3x MR on airfare due to spending habits. If I knew I'd use the credits, it would be a no-brainer.

Re: AMEX wants my business ? ? ?

Anonymous — Mon, 18 May 2020 22:50:44 GMT

My sub for the Green card a few months ago was 45000 MR points if $2000 spent in 3 months. The standard offer on the site was slightly lower. Think maybe 30-35000.

Re: AMEX wants my business ? ? ?

Anonymous — Mon, 18 May 2020 23:07:10 GMT

@Aim_High wrote:
@wasCB14 wrote:
@K-in-Boston wrote:
60-40-30 on the charge cards ... Waiting for a ... 75k on Gold can be an exercise in futility but they do come up.
I actually see only 35k on the Gold, not 40k. But I had PRG from 2014-2016 so AFAIK I'm not eligible for another 12 months or so.
That's what I've seen more of. Gold has been 35K most times I've seen it. So a 50K offer is worth at least another 10K-15K in MR points, which is about $200 to $300 at estimated 0.02 ccp, correct? That seems a pretty good increase over the going rate.

My dilema is that I'm normally AF-averse. I thought pretty carefully before I apped for the CSR, and now I'm getting 3% - 6% back on it for dining. And I already get 3% or better back on groceries on other cards. Not sure I'll maximize the credits or 3x MR on airfare due to spending habits. If I knew I'd use the credits, it would be a no-brainer.

For my Gold card, I eat Shake Shack or Grubhub at least a few times a month. That takes care of the $120 credit. Southwest flights under $100 triggers the airline fee credit or the gift card/flight hack for Delta Airlines takes care of my airline fee credits.

Re: AMEX wants my business ? ? ?

M_Smart007 — Mon, 18 May 2020 23:07:34 GMT

@Anonymous wrote:
My sub for the Green card a few months ago was 45000 MR points if $2000 spent in 3 months. The standard offer on the site was slightly lower. Think maybe 30-35000.

I took that same exact offer, could not resist 45000 ..even though I do not need the card. Will likely close it.

Re: AMEX wants my business ? ? ?

Aim_High — Mon, 18 May 2020 23:24:20 GMT

Also got this AMEX offer ...

150K Hilton Honors points on the SURPASS card.

I think this bonus was 125K - 135K recently????

And that is the same offer I'm showing right now

for the much more expensive ASPIRE card

($450 AF versus $95 AF)

Re: AMEX wants my business ? ? ?

Aim_High — Mon, 18 May 2020 23:25:54 GMT

@M_Smart007 wrote:
@Aim_High, read your title " AMEX wants my business "

..looked at the cards and thought, hmmmmm "Amex wants those AF's

I know, right?

Dangling that darn carrot again.

Unfortunately, they know it works! lol

Re: AMEX wants my business ? ? ?

Anonymous — Mon, 18 May 2020 23:40:16 GMT

@Aim_High wrote:
Also got this AMEX offer ...

150K Hilton Honors points on the SURPASS card.

I think this bonus was 125K - 135K recently????
And that is the same offer I'm showing right now
for the much more expensive ASPIRE card
($450 AF versus $95 AF)

Yes, the standard is 125k for $2k spend for the Surpass. On Hilton.com it is 130k for $2k spend. The elevated or incognito mode is 150k points for $3k spend.

Re: AMEX wants my business ? ? ?

M_Smart007 — Tue, 19 May 2020 00:35:40 GMT

@Aim_High wrote:
@M_Smart007 wrote:
@Aim_High, read your title " AMEX wants my business "

..looked at the cards and thought, hmmmmm "Amex wants those AF's
I know, right?
Dangling that darn carrot again.
Unfortunately, they know it works! lol

Ha!, They have been at it for years ... almost perfected