Many of the 'old timers' on here probably already know this, but for any new folks I wanted to share that if you need to close an American Express card you can do so via chat, and it's painless.
It took maybe all of two minutes, and the CSR was extremely professional and courteous. He asked one time why I wanted to close the card, and I simply stated the truth... that the Blue Cash Preferred card is a better match for my spending habits. He simply replied that he respected my decision, and after a few disclaimers it was done.
Easy-peasy.
The Green card isn't a bad product (and I was absolutely thrilled to get it last April) but it just doesn't fit with my current spending patterns. If my needs change (hey, it can happen...) I'll likely just app for the PRG instead, especially since the PRG will allow you to have an additional card for no additional fee. That combined with the other 'perks' would actually make the PRG come out cheaper than the Green with an additional card (at least for me). This assumes they would approve me for the PRG, of course.
My signature looks a bit 'bare' at the moment (I had really gotten used to seeing that logo down there) but it's for the best. 
@Mattopotamus wrote:The green card really needs to be phased out. Now that they have actual credit cards, many without an annual fee, I cannot see the point of the green card or the gold card for that matter. The Gold preferred and platinum have a place, but the former seem useless.
I certainly see your point. The only good candidate for the Green card (that I can think of) is somebody who just needs a NPSL charge card for a special purpose, for example to keep an authorized user from having access to an actual 'credit line' (college kid, family member, etc.). Something about knowing up-front that revolving isn't an option seems to keep some folks in line. 
For someone not interested in rewards at all, $95 + $30 is more reasonable than the PRG fee of $195, but I freely admit this likely describes a very small group of people... most folks (especially on here) really would do better to get the PRG.
@UncleB wrote:
@Mattopotamus wrote:The green card really needs to be phased out. Now that they have actual credit cards, many without an annual fee, I cannot see the point of the green card or the gold card for that matter. The Gold preferred and platinum have a place, but the former seem useless.
I certainly see your point. The only good candidate for the Green card (that I can think of) is somebody who just needs a NPSL charge card for a special purpose, for example to keep an authorized user from having access to an actual 'credit line' (college kid, family member, etc.). Something about knowing up-front that revolving isn't an option seems to keep some folks in line.
For someone not interested in rewards at all, $95 + $30 is more reasonable than the PRG fee of $195, but I freely admit this likely describes a very small group of people... most folks (especially on here) really would do better to get the PRG.
Actually $175, mine just hit
@DoroLucky wrote:
@UncleB wrote:
@Mattopotamus wrote:The green card really needs to be phased out. Now that they have actual credit cards, many without an annual fee, I cannot see the point of the green card or the gold card for that matter. The Gold preferred and platinum have a place, but the former seem useless.
I certainly see your point. The only good candidate for the Green card (that I can think of) is somebody who just needs a NPSL charge card for a special purpose, for example to keep an authorized user from having access to an actual 'credit line' (college kid, family member, etc.). Something about knowing up-front that revolving isn't an option seems to keep some folks in line.
For someone not interested in rewards at all, $95 + $30 is more reasonable than the PRG fee of $195, but I freely admit this likely describes a very small group of people... most folks (especially on here) really would do better to get the PRG.
Actually $175, mine just hit
You must be grandfathered at an old rate... the new rate is $195 for the PRG. The 'regular' Gold is $160 for new card members.
I don't think it should be discontinued. I think they should give the Green card a slight reward structure (2x MR for travel and restaurants?) and perhaps a $40-50 reimbursement for travel incidentals. The card occasionally has a 25k (I believe) sign up bonus every so often, so perhaps AmEx should make it a permanent public offer. As for the regular Gold (not PRG), I don't really know what purpose that is serving.
Personally, I am so glad to have an unrestricted AmEx Zync card with a high exposure limit because I enjoy having a charge card, but not enough to justify the Green's AF.
Personally, I am so glad to have an unrestricted AmEx Zync card with a high exposure limit because I enjoy having a charge card, but not enough to justify the Green's AF.
