cancel
Showing results for 
Search instead for 
Did you mean: 

Amex Plat no SUB

Highlighted
Valued Contributor

Amex Plat no SUB

Don't think its worth it.  My spend is migrating back to Amex, as CSR can easily be positive without much spend.  There are other factors too that have nothing to do with Chase.  I may be able to get SUB in a few months with higher spend.  Also I'm planning a significant amount, for me, in the coming years.

 

If you'd take Plat without a SUB convince me please.  I have Gold, EDP, and BBP for MR cards

PERSONAL; Amex | AOD FCU | BBVA | BECU | Capital 1 | Chase | Citi | Discover | Key | NFCU | PSECU | SECU MD | Synchrony | US Bank
BUSINESS; Amex | Citi
F8 Current F8s ~740 Best Ever F8s ~775
TOTAL PERSONAL CL > $350k and TCL > $365k
Message 1 of 9
8 REPLIES 8
Highlighted
Moderator

Re: Amex Plat no SUB

Personally, I wouldn't.  Unless you have significant, dedicated spend on the card that would offset the SUB year-to-year.   But, that's just me.

Message 2 of 9
Highlighted
Valued Contributor

Re: Amex Plat no SUB


@FinStar wrote:

Personally, I wouldn't.  Unless you have significant, dedicated spend on the card that would offset the SUB year-to-year.   But, that's just me.


I was thinking the same.  I could likely get PEV but its a nice SUB.  I can certainly wait it out and see if the evil pop up goes away.  Its not too hard to find a 75k SUB.

PERSONAL; Amex | AOD FCU | BBVA | BECU | Capital 1 | Chase | Citi | Discover | Key | NFCU | PSECU | SECU MD | Synchrony | US Bank
BUSINESS; Amex | Citi
F8 Current F8s ~740 Best Ever F8s ~775
TOTAL PERSONAL CL > $350k and TCL > $365k
Message 3 of 9
Highlighted
Super Contributor

Re: Amex Plat no SUB

Unless you're in an airport lounge once a week, and couldn't access it some other way or with some other card, wait.

 

I know your EDP, like mine, is from a re-upgrade. Any thought on which of EDP or Gold you'll keep?

 

I'm going to eventually re-downgrade EDP (but I'm still locked in for a while to keep my upgrade bonus) and PC my new regular Platinum to Gold, leaving Schwab as it is.

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, CFF+CF, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC
Upgrade/downgrade games: BCE, EDP
SUB: JetBlue, Amex Platinum
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 4 of 9
Highlighted
Community Leader
Super Contributor

Re: Amex Plat no SUB

The only Platinum card I'd consider getting without a bonus attached to it is the Schwab version. That's only if you have a glut of points, have no plans to spend them anytime soon, and want the cash relatively soon with their point redemptions at 1.25 cpp. Otherwise I'd wait it out til the popup goes bye bye

2020 is like a steak cooked well-done that needs to get out of my face. - @imapharmacygirl
Message 5 of 9
Highlighted
Valued Contributor

Re: Amex Plat no SUB

If I were to downgrade it would be EDP. I'd get more combined value from Plat and Gold.  

PERSONAL; Amex | AOD FCU | BBVA | BECU | Capital 1 | Chase | Citi | Discover | Key | NFCU | PSECU | SECU MD | Synchrony | US Bank
BUSINESS; Amex | Citi
F8 Current F8s ~740 Best Ever F8s ~775
TOTAL PERSONAL CL > $350k and TCL > $365k
Message 6 of 9
Highlighted
Frequent Contributor

Re: Amex Plat no SUB


@Caught750 wrote:

Don't think its worth it.  My spend is migrating back to Amex, as CSR can easily be positive without much spend.  There are other factors too that have nothing to do with Chase.  I may be able to get SUB in a few months with higher spend.  Also I'm planning a significant amount, for me, in the coming years.

 

If you'd take Plat without a SUB convince me please.  I have Gold, EDP, and BBP for MR cards


No convincing from me here; I don't care about lounges very much, and I'd rather have Green 3x all travel (including carshare/rideshare, transit, parking, tolls, trains) than Platinum 5x airfare/hotel portal as a companion to Gold.

I was willing to see if I could get Platinum with a SUB because 10x for 6 months in important categories + 6 months to nail the SUB is pretty dynamite, but when I got the "you had this card" for a card that AMEX closed on me in 2009 as part of a Chapter 13 I filed a few years later... Uh, whatever, OK, thanks, no sale. The only one I might go for is the Morgan Stanley one, that you can get for free with the right account combinations (I might have an in thanks to their E*Trade acquisition).

Fidelity VISA Signature 11.5k
Capital One VentureOne 11k
Amex Gold NPSL
Amex Green NPSL
PayPal Synchrony MC 6.4k
Petal2 VISA 6k
DiscoverIt Cashback 5k
Hotels.com 5k
Capital One QS 3.5k
AMEX Hilton Aspire 3.1k
Apple Card 3k
Amazon/Synchrony 3k
Cathay Pacific/Synchrony 2.5k
AMEX Hilton 1k
Target 800
Ch 13 filed 12/13 discharged as paid 1/19
Message 7 of 9
Highlighted
Moderator

Re: Amex Plat no SUB

Without knowing which perks you would be using, what value you would place on them, which credits you would be using organically anyway (airline, Sak's, Uber), and which Amex Offers you might be using to receive further credits, there's really no way to answer this for you unless you are buying at least $10,000 in airfare annually, in which case the answer is very likely yes due to the elevated earnings over Gold.

 

I've done product changes without a SUB because I gained immediate benefit from doing so, so there are certainly cases where a card makes sense whether you are eligible for a SUB or not.

Message 8 of 9
Highlighted
Valued Contributor

Re: Amex Plat no SUB

I'd benefit from the hotel statuses, would fly out of EWR, or JFK/LGA depending on the destination.  Mostly Delta with some United so lounge access would be used.  I'd also use the air credits and some uber.

 

 

 

PERSONAL; Amex | AOD FCU | BBVA | BECU | Capital 1 | Chase | Citi | Discover | Key | NFCU | PSECU | SECU MD | Synchrony | US Bank
BUSINESS; Amex | Citi
F8 Current F8s ~740 Best Ever F8s ~775
TOTAL PERSONAL CL > $350k and TCL > $365k
Message 9 of 9
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.