topic Re: Keeping AMEX PRG after AF in Credit Cards

Keeping AMEX PRG after AF

kchengg1 — Tue, 04 Nov 2014 04:59:13 GMT

How many of you guys kept your AMEX PRG after the annual fee?

Re: Keeping AMEX PRG after AF

09Lexie — Tue, 04 Nov 2014 05:06:18 GMT

@kchengg1 wrote:
How many of you guys kept your AMEX PRG after the annual fee?

I have had mine for years.

Re: Keeping AMEX PRG after AF

takeshi74 — Tue, 04 Nov 2014 13:34:40 GMT

Don't rely on polling. Determine if the card is beneficial to you.

Re: Keeping AMEX PRG after AF

ibmrad7 — Tue, 04 Nov 2014 13:37:54 GMT

@takeshi74 wrote:
Don't rely on polling. Determine if the card is beneficial to you.

+1. This....

Re: Keeping AMEX PRG after AF

Anonymous — Tue, 04 Nov 2014 14:34:12 GMT

@takeshi74 wrote:
Don't rely on polling. Determine if the card is beneficial to you.

To be fair, we don't know if the OP was just going to get a total count: to decide "97 do, 114 don't, OK, I'll drop mine" Perhaps hoping for useful answers like "I am keeping mine because of the [awesome little known benefit]" or "No, the new EDP gives me more of the benefits for less"

Re: Keeping AMEX PRG after AF

ibmrad7 — Tue, 04 Nov 2014 14:38:51 GMT

True but his question simply asks "How many" actually kept the card after AF.

Re: Keeping AMEX PRG after AF

HiLine — Tue, 04 Nov 2014 15:40:15 GMT

Luckily, American Express charges annual fees on a pro rata basis, so after AF or before AF doesn't really matter. I did not keep my PRG long enough for the AF to hit.

Re: Keeping AMEX PRG after AF

AvadaKedavra — Tue, 04 Nov 2014 16:54:01 GMT

I mainly got mine for the sign up bonus. I have other cards with better rewards and any benefits specific to the PRG I don't utilize so I can't imagine keeping it past the 0 AF period.

Re: Keeping AMEX PRG after AF

Jlu — Tue, 04 Nov 2014 17:11:37 GMT

@AvadaKedavra wrote:
I mainly got mine for the sign up bonus. I have other cards with better rewards and any benefits specific to the PRG I don't utilize so I can't imagine keeping it past the 0 AF period.

This. I used mine as a 'foot in the door' so to speak. It allowed me to get the SPG, which was my goal card. I will be closing the PRG before the AF hits next year.

The MR bonus paid for a 2 week rental of a red convertible mustang while I was in Seattle this summer. That was worth it.

Re: Keeping AMEX PRG after AF

Anonymous — Thu, 06 Nov 2014 01:53:08 GMT

@Jlu wrote:

This. I used mine as a 'foot in the door' so to speak. It allowed me to get the SPG, which was my goal card. I will be closing the PRG before the AF hits next year.

The MR bonus paid for a 2 week rental of a red convertible mustang while I was in Seattle this summer. That was worth it.

Way to go!

You must have gotten the 50,000 MR bonus

Re: Keeping AMEX PRG after AF

js0319 — Thu, 06 Nov 2014 05:05:51 GMT

Now that I have the EDP, it's hard for me to justify the PRG. I did just pay for the AF, so I guess I have it at least another year.

Re: Keeping AMEX PRG after AF

Anonymous — Thu, 06 Nov 2014 09:53:03 GMT

@takeshi74 wrote:
Don't rely on polling. Determine if the card is beneficial to you.

+2.

The PRG gives you bonus points on different categories as the EDP and ED, but for most people, they're better off with the ED series.

You can also ask for any retention offers that may be available to you. For all you know the retention offer itself could justify the entire AF easily.