topic Amex PRG 65k offer in Credit Cards

Amex PRG 65k offer

Anonymous — Thu, 23 Jun 2016 12:19:20 GMT

Anyone else have this? Is this normal?

Re: Amex PRG 65k offer

takeshi74 — Thu, 23 Jun 2016 12:23:24 GMT

"Normal" includes a wide range of things. It's a targeted offer. It's normal for some to receive it and not others. It's not normal in that it is not the standard offer which can be found on the AmEx site which currently appears to be 25K.

https://www.americanexpress.com/us/credit-cards/premier-rewards-gold?linknav=us-ccsg-cardshop-cm-viewallcards-learnmore

Does your decision on the offer really depend on whether or not others ahve received it? You should be deciding based on your own needs/wants, just as with any card.

Re: Amex PRG 65k offer

Anonymous — Thu, 23 Jun 2016 12:24:49 GMT

Crap. I'm not ready to get this. I just got the British Airways. If I pass this up today, how likely could this be caught again in a couple months?

Re: Amex PRG 65k offer

Anonymous — Thu, 23 Jun 2016 12:35:38 GMT

@Anonymous wrote:
Crap. I'm not ready to get this. I just got the British Airways. If I pass this up today, how likely could this be caught again in a couple months?

We can't tell you that with any certainity, but getting the offer means that you (recently) met Amex's criteria for this. If things don't change much, it's likely that you will receive other targetted offers at some stage, not necessarily this exact one. For example, I just got one for 50K after $2K spend, which is either better or worse than yours depending on viewpoint.

Re: Amex PRG 65k offer

DrForce — Thu, 23 Jun 2016 12:41:51 GMT

I was able to get the 65K offer to show up pretty easily with a VPN and an incognito window.

Re: Amex PRG 65k offer

Anonymous — Thu, 23 Jun 2016 14:23:14 GMT

The points guy posted about that recently. I tried for a while to get it but to no avail. Can't app for PRG until August anyway cuz i need to finish meeting SPG and Platinum spend first.

Re: Amex PRG 65k offer

CreditJim — Thu, 23 Jun 2016 15:09:38 GMT

Wish I could get an increased offer on the business gold version, it's the only card I'm waiting for, and only seeing 50k right now.

Re: Amex PRG 65k offer

Anonymous — Thu, 23 Jun 2016 18:09:56 GMT

Same here. I've literally been checking for months. 50K offer right now.

Only Amex card I have is the Blue Cash Everyday opened in 2011. I barely use the card (if that matters).

Re: Amex PRG 65k offer

Anonymous — Thu, 23 Jun 2016 18:33:53 GMT

I wonder if saving the webpage would work. I saved in firefox archive format and the promo address under the apply link is the same. Still have the webpage open though, haven't decided yet. I would want to pickup Delta on the same Hardpull. I plan to initiate some extended travel in a couple/few months which is the pefect time to get them and originally what I planned. Finding a PRG bonus for 50k would work. And then since the Delta promo ends soon, I'd have to find a boosted bonus for that one too.

Re: Amex PRG 65k offer

Anonymous — Fri, 24 Jun 2016 02:45:22 GMT

I'm gonna wait for now.

Hey one other thing, is there a general floor on the spending limit for the PRG? Or does it tell you when you get the card?

Re: Amex PRG 65k offer

elim — Fri, 24 Jun 2016 03:08:31 GMT

@Anonymous wrote:
I'm gonna wait for now.

Hey one other thing, is there a general floor on the spending limit for the PRG? Or does it tell you when you get the card?

Not a floor but a ceiling... and you can check spending power whenever you like.

ETA: It is dynamic and will vary with your spend (the more you spend, the higher your allowed spending limit)

Re: Amex PRG 65k offer

Anonymous — Fri, 24 Jun 2016 03:10:01 GMT

I just meant floor as in a limit they don't go any lower than.

Ok, sounds good, thanks guys

Re: Amex PRG 65k offer

elim — Fri, 24 Jun 2016 03:10:26 GMT

@Anonymous wrote:
I just meant floor as in a limit they don't go any lower than.

Ok, sounds good.

Not sure but you can sometimes call them up and they will approve a large purchase if your spending power is low that month (they did for me).

Re: Amex PRG 65k offer

myjourney — Fri, 24 Jun 2016 03:42:56 GMT

I have to be honest here

This offer sucks in so many aspects

If you read it carefully

Get 40k after 2k spend .....Ummm hmmmm whatever

Get 25k in the second year ....Are you crazy here (really)

Lets examine this:

Well known fact you can get the 50k for 1k spend which has you up 50k the first 90 days + the 1k spend

= at the lowest numbers 51k

Adding an AU will get you 5k in 90 days

New total 56k

Guess what if you bite on this offer you wont get the 25k bonus points until ....wait for it .....

You pay the AF the 2nd year...... Aaaaaa didn't see that one coming did you?

So actually you're paying $195 for 25k points ....who comes up with theses offers ...oh yeah a bank

I won't waste my time with the calculation of the value of each point...do the math and see what you pay per point

What's worst is who excepts these offers....(sorry)

So if it were me cause I look at the entire picture and numbers

I could probably do far far better in the course of the year and end up with more than 65k points much easier and pay no AF

Then cut my losses if I don't feel the card is worth it and not for 40k on an extra 1k spend ....Duh

Re: Amex PRG 65k offer

Anonymous — Fri, 24 Jun 2016 03:55:16 GMT

yeah I am definitely going to get it with the 50k MR / 1k spend bonus. To be more tempting it would just need more MR up front without making the spend too crazy. 100k MR / 3k spend on the Platinum is just fine, for example.

Re: Amex PRG 65k offer

bourgogne — Fri, 24 Jun 2016 04:18:08 GMT

Adding an AU will get you 5k in 90 days

huh? prg au add is 2500 or did I miss something?

thx

Re: Amex PRG 65k offer

redpat — Fri, 24 Jun 2016 04:21:54 GMT

@myjourney wrote:
I have to be honest here
This offer sucks in so many aspects

If you read it carefully
Get 40k after 2k spend .....Ummm hmmmm whatever
Get 25k in the second year ....Are you crazy here (really)

Lets examine this:
Well known fact you can get the 50k for 1k spend which has you up 50k the first 90 days + the 1k spend
= at the lowest numbers 51k
Adding an AU will get you 5k in 90 days
New total 56k

Guess what if you bite on this offer you wont get the 25k bonus points until ....wait for it .....
You pay the AF the 2nd year...... Aaaaaa didn't see that one coming did you?
So actually you're paying $195 for 25k points ....who comes up with theses offers ...oh yeah a bank
I won't waste my time with the calculation of the value of each point...do the math and see what you pay per point
What's worst is who excepts these offers....(sorry)

So if it were me cause I look at the entire picture and numbers
I could probably do far far better in the course of the year and end up with more than 65k points much easier and pay no AF
Then cut my losses if I don't feel the card is worth it and not for 40k on an extra 1k spend ....Duh

I have to disagree, you are forgetting the $100 airline credit. Also, if you are going to keep the card and not churn it and spend isn't an issue it is a good deal.

Amex is giving individuals that keep their cards an opportunity to have an additional bonus in the second year. I'm looking at this card as a keeper so I'll take 65k over 50k and wait for my points no big deal for some.

Re: Amex PRG 65k offer

myjourney — Fri, 24 Jun 2016 04:34:34 GMT

@redpat wrote:
@myjourney wrote:
I have to be honest here
This offer sucks in so many aspects

If you read it carefully
Get 40k after 2k spend .....Ummm hmmmm whatever
Get 25k in the second year ....Are you crazy here (really)

Lets examine this:
Well known fact you can get the 50k for 1k spend which has you up 50k the first 90 days + the 1k spend
= at the lowest numbers 51k
Adding an AU will get you 5k in 90 days
New total 56k

Guess what if you bite on this offer you wont get the 25k bonus points until ....wait for it .....
You pay the AF the 2nd year...... Aaaaaa didn't see that one coming did you?
So actually you're paying $195 for 25k points ....who comes up with theses offers ...oh yeah a bank
I won't waste my time with the calculation of the value of each point...do the math and see what you pay per point
What's worst is who excepts these offers....(sorry)

So if it were me cause I look at the entire picture and numbers
I could probably do far far better in the course of the year and end up with more than 65k points much easier and pay no AF
Then cut my losses if I don't feel the card is worth it and not for 40k on an extra 1k spend ....Duh
I have to disagree, you are forgetting the $100 airline credit. Also, if you are going to keep the card and not churn it and spend isn't an issue it is a good deal.

Amex is giving individuals that keep their cards an opportunity to have an additional bonus in the second year. I'm looking at this card as a keeper so I'll take 65k over 50k and wait for my points no big deal for some.

Didn't even factor the $100 in nor was I saying you should ditch the card ....I have it and just paid my AF 3 daays ago

In fact the air credit can be applied twice for a $200 credit in the first year but the point is...

You can still make out much better w/o this offer and come out far better with less spend

IMHO you are correct the offer is designed for the card to be retained in the second year but you also have to factor in that not everyone will keep the card after the test drive and it has nothing to do with being a churner or not that person will get 40k bonus points plus whatever they spend

Which is far less than the person who gets the 50k offer + spend

Re: Amex PRG 65k offer

myjourney — Fri, 24 Jun 2016 04:43:23 GMT

Forgot to add those 25k points the 2nd year like any other reward system could be nurfed by then and be of less value and you still paid $195 for them

Just my .02 tho

Re: Amex PRG 65k offer

redpat — Fri, 24 Jun 2016 05:01:27 GMT

@myjourney wrote:
@redpat wrote:
@myjourney wrote:
I have to be honest here
This offer sucks in so many aspects

If you read it carefully
Get 40k after 2k spend .....Ummm hmmmm whatever
Get 25k in the second year ....Are you crazy here (really)

Lets examine this:
Well known fact you can get the 50k for 1k spend which has you up 50k the first 90 days + the 1k spend
= at the lowest numbers 51k
Adding an AU will get you 5k in 90 days
New total 56k

Guess what if you bite on this offer you wont get the 25k bonus points until ....wait for it .....
You pay the AF the 2nd year...... Aaaaaa didn't see that one coming did you?
So actually you're paying $195 for 25k points ....who comes up with theses offers ...oh yeah a bank
I won't waste my time with the calculation of the value of each point...do the math and see what you pay per point
What's worst is who excepts these offers....(sorry)

So if it were me cause I look at the entire picture and numbers
I could probably do far far better in the course of the year and end up with more than 65k points much easier and pay no AF
Then cut my losses if I don't feel the card is worth it and not for 40k on an extra 1k spend ....Duh
I have to disagree, you are forgetting the $100 airline credit. Also, if you are going to keep the card and not churn it and spend isn't an issue it is a good deal.

Amex is giving individuals that keep their cards an opportunity to have an additional bonus in the second year. I'm looking at this card as a keeper so I'll take 65k over 50k and wait for my points no big deal for some.
Didn't even factor the $100 in nor was I saying you should ditch the card ....I have it and just paid my AF 3 daays ago
In fact the air credit can be applied twice for a $200 credit in the first year but the point is...

You can still make out much better w/o this offer and come out far better with less spend
IMHO you are correct the offer is designed for the card to be retained in the second year but you also have to factor in that not everyone will keep the card after the test drive and it has nothing to do with being a churner or not that person will get 40k bonus points plus whatever they spend
Which is far less than the person who gets the 50k offer + spend

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I want this card and plan to keep it. Amex EDP is our personal spend card, everything goes on it (except cell & cable) and by adding the PRG will enhance the accumulation of MR points so having to meet spend would never be an issue with me because it's regular spend anyway.

This why this offer can be good for someone like me.

I just can't get the offer to come up in incognito.