American Express PRG....ever really a keeper card?

[Anonymous]

Thanks for the replies.

I definitely do like the reward categories. They fit my spend pretty well for everyday purchases. And I do like the protections you get with American Express. I'll likely get the card.

It's just when you compare it to something like a combo of a CSP + Freedom Unlimited for a combined $95 AF it seems a little more questionable for similar rewards at a higher AF. And I think Amex is a little more strict in how you can get 3x or 4x on travel categories, whereas Chase seems to be a much generous in their rewards category defintions on all travel.

[mongstradamus]

Chase really has broad definitions of dining as well DD and Starbucks count wouldn't exactly call those places dining . Another thing to consider is which program you will spend your points with . Mr has a lot more partners ur has only a few now even less with loss of ke. Jet blue is nice but not something I think will ever use

[shoegal]

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@CreditCuriosity wrote:

If eligible for business cards I would opt personally for the Business Blue Plus over the PRG personally as no AF and earns 2 MR on anything up to 50k..  My poor ED card just sits collecting dust after the release of the BBP card.  Platinum is a whole different beast mainly used for perks and 5x's on airlines.  Just my 2 cents. 

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After getting the BBP this summer, both my PRG and ED cards are SD. ☹️

But at least they got used daily for a year.

[Shadowfactor]

I’m a bit skeptical to use my BBP as a full replacement for PRG.
I wouldn’t mind cancelling my PRG and using BBP instead but I’m not sure I would feel comfortable putting that much personal spend through my business Amex.

I’ve read several times that Amex doesn’t really care but at the same time that would be 90% personal spend on the card and only 10% business. I spend around 5K in personal charges on my PRG.

Right now I use the BBP for business spend and some personal that I wouldn’t get extra points on for any other card. Currently this works out to under $300 a month personal spend.

[simplynoir]

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@Shadowfactor wrote:
I wouldn’t mind cancelling my PRG and using BBP instead but I’m not sure I would feel comfortable putting that much personal spend through my business Amex.

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AMEX usually cares not that you put personal on business or vice versa.

[Shadowfactor]

That’s what I’ve consistently read that Amex doesn’t really seem to care about putting personal spend on a business card.

I might do it after a year of having my BBP but if I suddenly stop spending 4-5K a month on my personal cards and start spending it on the business they might notice.

[mongstradamus]

The thing about BBP for most people how comfortable are they applying for business cards on paper the flat 2% rate is pretty nice, but it can come down also to how much you spend on gas and groceries compared to a edp or smething like that.

[mkhan1093]

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@Shadowfactor wrote:
That’s what I’ve consistently read that Amex doesn’t really seem to care about putting personal spend on a business card.

I might do it after a year of having my BBP but if I suddenly stop spending 4-5K a month on my personal cards and start spending it on the business they might notice.

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In my personal experience, they don't care at all about things like that. To them, business cards and personal cards are essentially the same kind of product and I think calling one a business card is more for marketing's sake than it is for anything else. I highly doubt it'll raise any eyebrows if they see spend shift from one card to another so you shouldn't feel like you're being watched and should focus on maximizing those MRs

[simplynoir]

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@mkhan1093 wrote:

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@Shadowfactor

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In my personal experience, they don't care at all about things like that. To them, business cards and personal cards are essentially the same kind of product and I think calling one a business card is more for marketing's sake than it is for anything else.

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People might have personal and business cards to seperate expenses for accounting purposes.

[MrDFinance]

The $25,000 Pay Over time limit I have makes it a keeper for me...Not to mention it's a decent point earner....

A huge limit that isn't counted towards my utilization is a perk you can't get anywhere else other then the Platinum