topic Amex network cards in Credit Cards

Amex network cards

Anonymous — Thu, 30 Apr 2020 14:11:28 GMT

The Amex network cards which as I understand it are ones offered by a differant lender.

For example the wells fargo Propel card. I have a couple of questions about those.

1) A Amex "network card" does not count toward the amex limit of 5 cards?

2) The Propel card can earn points, Would those be Amex points or another point system?

Re: Amex network cards

Brian_Earl_Spilner — Thu, 30 Apr 2020 14:18:46 GMT

1) no

2) their own system

Re: Amex network cards

Anonymous — Thu, 30 Apr 2020 14:17:16 GMT

@Anonymous wrote:
The Amex network cards which as I understand it are ones offered by a differant lender.
For example the wells fargo Propel card. I have a couple of questions about those.
1) A Amex "network card" does not count toward the amex limit of 5 cards?
2) The Propel card can earn points, Would those be Amex points or another point system?

Network cards do not count towards Amex issued 5 card soft cap.

Propel points system is unrelated to Amex issued system.

Re: Amex network cards

blindambition — Thu, 30 Apr 2020 14:21:22 GMT

They just use the network. Not used by Amex internally with their cards.

The point system would be related to the cards specific point system. Ie; Propel would be WF point system, Macy's points would be Macy's point system.

Re: Amex network cards

Anonymous — Thu, 30 Apr 2020 14:31:49 GMT

Thanks for the quick responses. I appreciate it.

Re: Amex network cards

M_Smart007 — Thu, 30 Apr 2020 16:51:38 GMT

@blindambition wrote:
They just use the network. Not used by Amex internally with their cards.
The point system would be related to the cards specific point system. Ie; Propel would be WF point system, Macy's points would be Macy's point system.

Thanks @KingSelfie

Re: Amex network cards

UpperNwGuy — Thu, 30 Apr 2020 17:39:46 GMT

The bottom line is that these network cards are not a backdoor for getting established with Amex.

Re: Amex network cards

Anonymous — Thu, 30 Apr 2020 17:43:42 GMT

@UpperNwGuy wrote:
The bottom line is that these network cards are not a backdoor for getting established with Amex.

Right. As I said in another thread, people get confused because there isn't for example a Visa Bank that issues cards and lets other banks on its network. Then we would have questions about whether say whether the Visa Bank rules (2/360, 0.5x CLI.....) apply to Chase Freedom and whether URs are the same as Visa points.

Re: Amex network cards

wasCB14 — Mon, 04 May 2020 05:55:27 GMT

@Anonymous wrote:
@UpperNwGuy wrote:
The bottom line is that these network cards are not a backdoor for getting established with Amex.
Right. As I said in another thread, people get confused because there isn't for example a Visa Bank that issues cards and lets other banks on its network. Then we would have questions about whether say whether the Visa Bank rules (2/360, 0.5x CLI.....) apply to Chase Freedom and whether URs are the same as Visa points.

Though marketing materials from the old "Visa Black" (for which Barclaycard gave no indication it was the issuer outside of the fine print) led quite a few people to believe otherwise!