topic Re: AMEX PRG in Credit Cards

AMEX PRG

SarcasticComputer — Wed, 03 Oct 2012 00:08:38 GMT

I recently applied and was approved for the zync card. I decided that it honestly didn't fit my lifestyle and that the Amex PRG fit it better. I applied for the PRG card and was approved. Now that I have the PRG card, what do I do with the zync card? Do I cancel it, sock-drawer it, or do I use both? I wish I had done more research before applying for the zync card, as I most likely will not get the new member introduction points.

Re: AMEX PRG

Anonymous — Wed, 03 Oct 2012 00:11:55 GMT

well it has an annual fee so i would cancel it. Although i here they discontinued it so it maybe a collectors item soon lol

Re: AMEX PRG

jsucool76 — Wed, 03 Oct 2012 00:12:54 GMT

@SarcasticComputer wrote:
I recently applied and was approved for the zync card. I decided that it honestly didn't fit my lifestyle and that the Amex PRG fit it better. I applied for the PRG card and was approved. Now that I have the PRG card, what do I do with the zync card? Do I cancel it, sock-drawer it, or do I use both? I wish I had done more research before applying for the zync card, as I most likely will not get the new member introduction points.

I would leave zync open for at least the first year since AF is waived. Then you might actually benefit when you find out what they do with the zync since it is no longer available.

Plus, don't you want to be one of the holders of the currently most exclusive amex card

Re: AMEX PRG

SarcasticComputer — Wed, 03 Oct 2012 00:15:57 GMT

This is true. I should frame it and then try to sell it 10 years from now on Pawn Stars. Is there any benefit to using both cards together? I also have a Delta Skymiles card.

Re: AMEX PRG

Anonymous — Wed, 03 Oct 2012 00:16:40 GMT

I wouldnt use the Zync because the PRG has a much better rewards program.

Re: AMEX PRG

SarcasticComputer — Wed, 03 Oct 2012 00:17:54 GMT

Can the points I've earned (via the zync card) be transferred to regular MR points rather than MR express points?

Re: AMEX PRG

jsucool76 — Wed, 03 Oct 2012 00:17:57 GMT

@SarcasticComputer wrote:
This is true. I should frame it and then try to sell it 10 years from now on Pawn Stars. Is there any benefit to using both cards together? I also have a Delta Skymiles card.

If you happened to purchase any packs when you applied there might be. (You can no longer add packs.) When you have a Zync which earns MRe points, and a other tier charge card (green, gold, PRG, Plat) you can (AFAIK) transfer the MRe points to the other card and turn them into regular MR points. So if you have dining pack or something where you earn 2x points on dining, you could then (once again, AFAIK) transfer MRe from zync to PRG and get more bang for your buck (or point in this case).

IDK if that still works with zync being discontinued or what.

Re: AMEX PRG

SarcasticComputer — Wed, 03 Oct 2012 00:26:27 GMT

@jsucool76 wrote:
@SarcasticComputer wrote:
This is true. I should frame it and then try to sell it 10 years from now on Pawn Stars. Is there any benefit to using both cards together? I also have a Delta Skymiles card.
If you happened to purchase any packs when you applied there might be. (You can no longer add packs.) When you have a Zync which earns MRe points, and a other tier charge card (green, gold, PRG, Plat) you can (AFAIK) transfer the MRe points to the other card and turn them into regular MR points. So if you have dining pack or something where you earn 2x points on dining, you could then (once again, AFAIK) transfer MRe from zync to PRG and get more bang for your buck (or point in this case).

IDK if that still works with zync being discontinued or what.

I do have the resturant pack on the zync, so I will be able to transfer the point when I use the zync? My main desire to have the MR points is so that I can convert them to miles.

Re: AMEX PRG

jsucool76 — Wed, 03 Oct 2012 00:33:49 GMT

@SarcasticComputer wrote:
@jsucool76 wrote:
@SarcasticComputer wrote:
This is true. I should frame it and then try to sell it 10 years from now on Pawn Stars. Is there any benefit to using both cards together? I also have a Delta Skymiles card.
If you happened to purchase any packs when you applied there might be. (You can no longer add packs.) When you have a Zync which earns MRe points, and a other tier charge card (green, gold, PRG, Plat) you can (AFAIK) transfer the MRe points to the other card and turn them into regular MR points. So if you have dining pack or something where you earn 2x points on dining, you could then (once again, AFAIK) transfer MRe from zync to PRG and get more bang for your buck (or point in this case).

IDK if that still works with zync being discontinued or what.
I do have the resturant pack on the zync, so I will be able to transfer the point when I use the zync? My main desire to have the MR points is so that I can convert them to miles.

I'm fairly certain you can transfer any MRe points to regular MR points so long as you have an MR point card (which you do (the PRG))

Re: AMEX PRG

Anonymous — Wed, 03 Oct 2012 01:25:05 GMT

Yes all my Zync MRE's (all 80,000 of them) converted to MR points when I got my PRG. All the spending I do on the Zync now converts to MR's (I still use the Zync for the 2x points Lowes pack!!!!)

Re: AMEX PRG

SarcasticComputer — Wed, 03 Oct 2012 01:27:55 GMT

@Anonymous wrote:
Yes all my Zync MRE's (all 80,000 of them) converted to MR points when I got my PRG. All the spending I do on the Zync now converts to MR's (I still use the Zync for the 2x points Lowes pack!!!!)

What made you decide to get the PRG in addition to the zync?

Re: AMEX PRG

Anonymous — Wed, 03 Oct 2012 01:40:48 GMT

3x on groceries, 2x on gas... I spend at least $600/mo in groceries and at least $500/mo in gas so I wanted more points.

...then I got the BCE to start building my actual CL's to improve my credit score because I was strictly a charge card user for 2 years. So I am really only using the BCE for a couple months to hopefully get the 3x CLI.

I had the Zync first because the low AF was attractive and my spending was not nearly as high 2 years ago. When I started to realize my spending could justify the AF for the PRG I got the PRG. I kept the Zync because it was the only account on my wifes credit report (she was an AU on it) and I wanted to start building her credit up for her so I wanted to keep the acct active while I do it (which is why I added the Lowes pack because it helps offset the AF since we do a lot of things on our home as well as my parents are renovating their home so I charge a lot of what they buy on it and they give me the money and I get the 2x points!!!!.)

Re: AMEX PRG

SarcasticComputer — Wed, 03 Oct 2012 01:46:58 GMT

@Anonymous wrote:
3x on groceries, 2x on gas... I spend at least $600/mo in groceries and at least $500/mo in gas so I wanted more points.

...then I got the BCE to start building my actual CL's to improve my credit score because I was strictly a charge card user for 2 years. So I am really only using the BCE for a couple months to hopefully get the 3x CLI.

I had the Zync first because the low AF was attractive and my spending was not nearly as high 2 years ago. When I started to realize my spending could justify the AF for the PRG I got the PRG. I kept the Zync because it was the only account on my wifes credit report (she was an AU on it) and I wanted to start building her credit up for her so I wanted to keep the acct active while I do it (which is why I added the Lowes pack because it helps offset the AF since we do a lot of things on our home as well as my parents are renovating their home so I charge a lot of what they buy on it and they give me the money and I get the 2x points!!!!.)

Makes a lot of sense. Do you typically run a lot through the card each month? Did Amex give you any problems with adding your wife as an AU? I plan to do the same and have read some other users complaining about Amex not liking AU using their card a lot. On a side note...I feel bad for you spending $500 a month on gas! I spend a lot, but nowhere near that much.

Re: AMEX PRG

Anonymous — Wed, 03 Oct 2012 01:58:40 GMT

My wife has an AU on all of my Amex accounts. Its easy - just do it online in your account. Cards came within a week.

I typically run anywhere from 2.5-3k per month through the cards. I have ran upwards of 8k one month and a charge of 5k in one shot.

As for the gas, I typically put about 20k miles per year on my car (work, everyday life, traveling) - which is why leases don't work for me lol...

Re: AMEX PRG

SarcasticComputer — Wed, 03 Oct 2012 03:56:34 GMT

Can someone tell me if I will actually get the welcome offers - bonus points and no AF since I already had a zync card?

Re: AMEX PRG

Anonymous — Wed, 03 Oct 2012 04:09:13 GMT

No AF yes you can get that by getting another account. As for bonus MR points - not unless they offer them to you to upgrade. But, app'ing for a new card with bonus points for spending you cannot get the bonus (currently as their terms stand)

Re: AMEX PRG

SarcasticComputer — Wed, 03 Oct 2012 04:12:17 GMT

I just want to clarify- there will be no AF for the first year , but I will not get the bonus points?