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Ok, allow me to digress I had the Zync card and had just upgraded to the PRG. Now, I do realize that it comes with good rewards, and yes I have to pay $175 a year. What I do not understand is that people complain about these fees. I have read so many post that, "when the AF comes up, I am going to cancel". I wonder, why even bother apply for these cards? Ohhh, I got it, for the initial reward points. If one push 20 to 50K a year on these cards, what the big deal? I can truly understand the fees for Platinum or JP Morgan has to be justify, but if your salary is 6 figures, then why complain? Some of my single purchases are well over my PRG fees, so I ask again, why app for these cards or complain about the fees?
To get sign up $$ and show off i guess !!!
Having an American Express Gold card just means you're willing to pay an outrageous AF for a glorified debit card.
I see no advantage to having one. NONE.
As long as your getting something out of AF pay it. My DW has BCP which is $75 a year but we get that back almost right away.
I don't see myself paying $100+ per year or even having multiple AF like some do just to have the cards...
I agree, to each their own...I am now off my soap box..;-)
@birjest wrote:I agree, to each their own...I am now off my soap box..;-)
The only thing I don't understand is a card with 0 rewards and no benefits, unless one really needed to hold a balance for the long haul. 0% promo sign-up bonus rewards cards (Freedom & Citi TY Preferred) all seem infinitely superior to me.
@DeadSpider wrote:As long as your getting something out of AF pay it. My DW has BCP which is $75 a year but we get that back almost right away.
I don't see myself paying $100+ per year or even having multiple AF like some do just to have the cards...
Exactly right. I plan to get a BCE since I'm single and wouldn't spend enough to justify a BCP.
But I don't understand paying the large AF on the Gold Charge card, when the benefits just aren't there.