Help Talk Me Out of App'ing for PRG

[j615]

The revamped PRG rewards structure looks appetizing and it's been lingering around my mind for the past week. What's making me think twice is that I already have the CSP, which is my primarily used card. But I just love how Amex has a better website and phone app along with everything being so seamless.

I don't know if it's worth it to have both these travel cards. I have to admit I love the design of the Amex charge cards which is selling me on it also.

[redpat]

I'm in the same boat.  PRG is looking pretty good now to compliment my amex plat.  MR.  

Not a bad move to get it.  Sorry, probably not the answer you are looking for.

[Anonymous]

I'm here for you! Dont do it. Lol. Seriously though, you app for what you can use. That's my motto anyways! If it has good travel points/rewards and you travel.. enough said

[kdm31091]

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@j615 wrote:

The revamped PRG rewards structure looks appetizing and it's been lingering around my mind for the past week. What's making me think twice is that I already have the CSP, which is my primarily used card. But I just love how Amex has a better website and phone app along with everything being so seamless.

I don't know if it's worth it to have both these travel cards. I have to admit I love the design of the Amex charge cards which is selling me on it also.

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You don't need it. You don't app for a card because of a good website or app. If you like and use CSP primarily, stick with it.

[redpat]

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@kdm31091 wrote:

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@j615 wrote:

The revamped PRG rewards structure looks appetizing and it's been lingering around my mind for the past week. What's making me think twice is that I already have the CSP, which is my primarily used card. But I just love how Amex has a better website and phone app along with everything being so seamless.

I don't know if it's worth it to have both these travel cards. I have to admit I love the design of the Amex charge cards which is selling me on it also.

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You don't need it. You don't app for a card because of a good website or app. If you like and use CSP primarily, stick with it.

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OP is also looking at the revamped rewards structure which he correct.  PRG does look like a great alternative to CSP now, because of the changes w/ same AF after $100 airline credit.  So if you travel a lot you should look at PRG now.  Also, not everyone takes amex so CSP is also good to have.

[Anonymous]

Write the down the Pros and Cons of having the card.  Once you do that, it will help you decide if you really want it or not. 

[NRB525]

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@j615 wrote:

The revamped PRG rewards structure looks appetizing and it's been lingering around my mind for the past week. What's making me think twice is that I already have the CSP, which is my primarily used card. But I just love how Amex has a better website and phone app along with everything being so seamless.

I don't know if it's worth it to have both these travel cards. I have to admit I love the design of the Amex charge cards which is selling me on it also.

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I got the Hilton no AF AMEX card a couple of months ago, and it's been a disappointing eye-opening experience. I never realized how bad the AMEX coding is for bonus points. (I also confirmed on my two other AMEX, the Delta Gold and a BofA AMEX, that no matter the card, the AMEX network codes these the same)

First, the cafeteria at work codes AMEX as "Business Other Services" not restaurant or fast food, so no dining bonus points. US Bank codes it as Fast Food so I'm going to be setting up my Cash+ with a 5% category for that. All my VISA and MC cards show it as some form of Dining, I got 5% Dining category in Q1 with my Freedom card.

Second, my regular grocery store Fred Meyer is coding in AMEX as "Warehouse" which means no extra points on the Hilton AMEX card. Again, Freedom, US Bank, and all other VISA / MC have no problem coding this as Grocerry.

Third, the fuel station at the same Fred Meyer codes AMEX as "Automated Fuel" but gives no category points. Freedom, US Bank, and VISA MC? Yeppers, Gasoline category.

So, if I want to get AMEX category points for Dining, Grocery, and Gas, I have to change my spend location. In a way it's good to know this because I wouldn't waste a HP on a PRG, BCP or EDP, but it's definitely a frustration with AMEX coding. I realize there are corner cases, but I guess I shop in the dunce corner

[Anonymous]

Don't base your decision on how the card looks, but on the relative benefits of the card. Is it worth it to have two travel cards? Will it dilute your benefits?