topic Re: AMEX Zync PC Options in Credit Cards

AMEX Zync PC Options

LS2982 — Sat, 13 Apr 2013 00:22:59 GMT

Confirmed with AMEX via twitter:

-All Zync PC's will be available 4/16

-You will only be able to PC to a charge card. Rovolvers will be a HP/App.

Well it looks like i'm going for PRG 4/16!

Re: AMEX Zync PC Options

Jayb5635 — Sat, 13 Apr 2013 00:31:25 GMT

Heard the same thing. Considering jumping to the platinum, but I think I'd have to wait since I've only had the Zync since August last year

Re: AMEX Zync PC Options

Anonymous — Sat, 13 Apr 2013 00:35:39 GMT

Thanks LS. Still deciding if a higher tier charge has a practical use for me right now. Would love the PRG but not wanting to pay the $175 right now.

Re: AMEX Zync PC Options

LS2982 — Sat, 13 Apr 2013 00:42:50 GMT

@Anonymous wrote:
Thanks LS. Still deciding if a higher tier charge has a practical use for me right now. Would love the PRG but not wanting to pay the $175 right now.

I ont want to pay the AF myself but its more of a "want" card. I'll be running about 2K a month through it.

Re: AMEX Zync PC Options

jamesdwi — Sat, 13 Apr 2013 03:34:40 GMT

Unless they come up with some AF discounts I think i will hold onto my ZYNC for a while, the PC will be one way, sure the PRG may be nice for year one, but then you are stuck with a $175 AF or a $95 AF if you downgrade to green. Personally if you want the PRG wait till January and AP its worth 1-2+ years of backdating goodness.that costs HP and a New TL If i AP inj january the new card will be 3 years old. Then I can just keep the zync for the next year.

Re: AMEX Zync PC Options

in0wh3r3ul1v3 — Sat, 13 Apr 2013 04:44:36 GMT

The Green Card seems to be the most practical and versatile card, but I'm not sure about the AF, as I'm a student w limited income. I think I'll keep my Unicorn just for funsies, and worry about the PC later. I really want the BCE, but haven't been able to get my util down to a reasonable figure. Maybe this'll be the year.

Thanks for the info OP.

Re: AMEX Zync PC Options

Anonymous — Sat, 13 Apr 2013 04:54:09 GMT

What's the rush to PC? Unless the rumors about rewards being removed have been confirmed, the Zync is still the best value of any Amex charge. I'm going to keep mine as long as I can.

Re: AMEX Zync PC Options

Anonymous — Sat, 13 Apr 2013 05:26:52 GMT

If we PC, you think we'd be eligible for the 25,000 bonus points promo?

Re: AMEX Zync PC Options

Lambo23 — Sat, 13 Apr 2013 05:37:39 GMT

I can confirm, I just messaged the Amex customer service online. They told me after 4/16 we can product change if the account is at least 1 year old. Also told me that we will still earn the 1 MRE point for every dollar spent.

If you PC you don't get the promo.

Re: AMEX Zync PC Options

Anonymous — Sat, 13 Apr 2013 06:09:40 GMT

Re: AMEX Zync PC Options

cabronsaim — Sat, 13 Apr 2013 06:33:19 GMT

I just PC my Amex gold to PRG, i did it online, i will not be getting the 25k promo because its a PC, thats only valid with a new separate app.
Im still happy tough, i use my card a lot on gas and i certainly plan on running 30k+, so that will bonus me an extra 15k miles next year, effectively making up for the AF

Re: AMEX Zync PC Options

phillyguy12 — Sat, 13 Apr 2013 13:49:25 GMT

i haven't heard anything about the rewards being removed ,but they did disc the packs and issued refunds for any packs you had, i had the connect and saw the refund earlier this week. i am in no hurry to PC either since all the other charge cards AF start @95. Overall i been disappointed by AMX because they did away w/ the MR mall now its just point per dollar. i will wait till im forced to change or hike up the AF on zync but its def. going to see alot less use now. i am only keeping it with the hopes of PC to BCE and get backdating next year sometime after all but 1 of my negs will be gone

Re: AMEX Zync PC Options

Scene — Sat, 13 Apr 2013 16:12:41 GMT

Are they discontinuing the Zync entirely? I noticed it is not even offered on the website anymore.

Re: AMEX Zync PC Options

Alcibiades — Sat, 13 Apr 2013 16:15:09 GMT

I attempted to close my Zync today, but was given a retention offer of $20 or 3,000 MR points. I took the MR points. The MR points are worth at least $0.01 per point, so I gain $5 above the annual fee. Plus, the CSR maintains that Zync spending will still get 1 MR point per dollar. I think I will just keep my recurring expenses (cable, cell phone, newspapers, etc) on my Zync card and sockdrawer it. I will bring it out during Small Business Saturday to get the credits offered there. No plans on trying to do a PC given I have a Platinum already and I don't want to pay a fee for the PRG this year.

Re: AMEX Zync PC Options

LS2982 — Sat, 13 Apr 2013 16:15:13 GMT

@Scene wrote:
Are they discontinuing the Zync entirely? I noticed it is not even offered on the website anymore.

AFAIK you can't apply for it but I think they are slowly phasing it out....possibly by end of the year/beggining of '14 making cardholders PC.

Re: AMEX Zync PC Options

Open123 — Sat, 13 Apr 2013 16:19:11 GMT

Alcibiades wrotelus, the CSR maintains that Zync spending will still get 1 MR point per dollar.

So long as it keeps earning MR points, I'd keep the Zync and not upgrade until I've accrued enough MRE points where I can book a nice flight through the MR program.

In the future, the way to go is Senior Member Green for $35 + Blue.

Re: AMEX Zync PC Options

Anonymous — Sat, 13 Apr 2013 17:45:07 GMT

I saw this on twitter:

Re: AMEX Zync PC Options

gijoe4500 — Sat, 13 Apr 2013 18:10:44 GMT

Different people have gotten different responses from the AskAmex twitter account. It varies just as much as the telephone CSR answers.

Re: AMEX Zync PC Options

LS2982 — Sat, 13 Apr 2013 18:12:26 GMT

@Anonymous wrote:
I saw this on twitter:

I would just say call in at the beginning of the month. These people cant seem to get a solid date set.

Re: AMEX Zync PC Options

p- — Thu, 18 Apr 2013 17:39:34 GMT

Can normal membership points be used for everyday charges like the MR Express points?

My wife is using the Unicorn card for reimburseable gas expenses right now. I am running the numbers on whether or not I should PC to something else.

I really like having a charge card that doesn't impact utilization. We make enough that a few dollars in rewards is not a big windfall for us, but at the same time I don't want to be in the red on the annual fee. Also, the NPSL is nice in case we have a month where there are significant travel expenses. She spends a minimum of 500 per month on gas. With the Zync, 6k a year in spending equates to less than 40 bucks in cashback. More than enough to cover the 25 dollar AF, but not much else. There are a few card benefits, plus the wow factor of flashing a unicorn.

If I spring for the PRG, she gets double points on gas for 12,000 minimum points per year. That's 120 bucks towards the 195 dollar fee, meaning I have to come up with 7,500 or 625 a month more in single point spending just to break even, or increase gas spending to 812. Probably not worth it.

The Gold Card is only 125, but I lose the double points on gas. So I end up with 60 bucks towards the fee, less than half of it. I have to spend a grand a month to break even.

The Green Card is 95, so I have to spend 800 a month to break even.

If I have analyzed this correctly, I should keep the Unicorn until the gas spending on the card hits 800. At that point, the return on the green and PRG are close enough.

Am I missing anything important?