This is as good a place as any to ask, so...
What's the appeal of having multiple Amex charge cards?
@Stralem wrote:This is as good a place as any to ask, so...
What's the appeal of having multiple Amex charge cards?
Rewards acceleration and benefits.
For example it was common for any serious Amex MR user who frequents this and a few other forums to pick up a Zync just for this reason alone.
The same could be said for the PRG which offers a different rewards set / benefits than the Plat as I understand it from reading various bits here. Doing something like Green/Gold doesn't make any sense, but other combinations potentially do. Currently there's backdating to consider as well, as the number of charge cards IIRC is tracked seperately from the revolvers; I believe it's 4 and 4 on personal or at least it used to be... I might be in a place some years or decades from now where it makes sense to ask for the Senior Green card for a minimal AF and however many years backdate to 2012 in my case even if I keep the Zync all that time which I intend to if I can.
@Revelate wrote:
@Stralem wrote:This is as good a place as any to ask, so...
What's the appeal of having multiple Amex charge cards?
Rewards acceleration and benefits.
For example it was common for any serious Amex MR user who frequents this and a few other forums to pick up a Zync just for this reason alone.
The same could be said for the PRG which offers a different rewards set / benefits than the Plat as I understand it from reading various bits here. Doing something like Green/Gold doesn't make any sense, but other combinations potentially do. Currently there's backdating to consider as well, as the number of charge cards IIRC is tracked seperately from the revolvers; I believe it's 4 and 4 on personal or at least it used to be... I might be in a place some years or decades from now where it makes sense to ask for the Senior Green card for a minimal AF and however many years backdate to 2012 in my case even if I keep the Zync all that time which I intend to if I can.
What is backdating?
@OHWWCB wrote:
@Revelate wrote:
@Stralem wrote:This is as good a place as any to ask, so...
What's the appeal of having multiple Amex charge cards?
Rewards acceleration and benefits.
For example it was common for any serious Amex MR user who frequents this and a few other forums to pick up a Zync just for this reason alone.
The same could be said for the PRG which offers a different rewards set / benefits than the Plat as I understand it from reading various bits here. Doing something like Green/Gold doesn't make any sense, but other combinations potentially do. Currently there's backdating to consider as well, as the number of charge cards IIRC is tracked seperately from the revolvers; I believe it's 4 and 4 on personal or at least it used to be... I might be in a place some years or decades from now where it makes sense to ask for the Senior Green card for a minimal AF and however many years backdate to 2012 in my case even if I keep the Zync all that time which I intend to if I can.
What is backdating?
Once you lock in your MSD (Member Since Date) the year of subsequent cc's will reflect your MSD. Additional cc's*, will reflect the month of THAT card and the year of your MSD.
If you are a primary cardholder, your CR's will be backdated as well. Amex recently changed their policy to exclude the CR backdating for ACMs - when you become a primary, your CR's would be backdated for YOUR new cc.
*personal cards - business cards it's a YMMV
@dallasjetfan wrote:I was just approved for Blue Cash and I need to see what I was approved for. If not high enough CL then I will close. I won't accept small CL's anymore. I also won't go through Financial reviews. I don't have to do it with any other CCC so not doing it with Amex.
Although that is your perogative but are you aware of their 3x CLI policy?