Help with amex questions

[myjourney]

I need to get a good explanation of the reward structure of Amex green and gold!

The benefits of each?

I think there's a difference in the point system? 

If there is a difference in points which is best?

How much spending needed on each card to offset the AF?

I'm leaning toward green just to get my foot in the door on the first attempt and as you can see its a lot of info needed to help me make the best selection!

I'm stuck which one to app for in June

Thanks family greatly appreciated

[CreditScholar]

* There isn't much of a difference between green and the basic gold, other than access to gold events.

* The green has a $95 AF while the gold is $125

* Both give 1 MR point per dollar spent

* The premier rewards gold (PRG) has a $175 AF, but gives 3x points on airfare, 2x on gas and groceries, and 1x on everything else.

I personally wouldn't get a green unless I was spending at least 15k per year, although others may disagree. However if you're using it as a pathway to get additional Amex cards, then it may be worth it even if you're spending less than that. There's really no reason to get the gold.

[myjourney]

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@CreditScholar wrote:

* There isn't much of a difference between green and the basic gold, other than access to gold events.

* The green has a $95 AF while the gold is $125

* Both give 1 MR point per dollar spent

* The premier rewards gold (PRG) has a $175 AF, but gives 3x points on airfare, 2x on gas and groceries, and 1x on everything else.

I personally wouldn't get a green unless I was spending at least 15k per year, although others may disagree. However if you're using it as a pathway to get additional Amex cards, then it may be worth it even if you're spending less than that. There's really no reason to get the gold.

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Thanks Creditscholar duly noted and yes the long term is a pathway now you gave me a 2nd question to that .....can those points be transfered to a revolver

[CreditScholar]

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@myjourney wrote:

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@CreditScholar wrote:

* There isn't much of a difference between green and the basic gold, other than access to gold events.

* The green has a $95 AF while the gold is $125

* Both give 1 MR point per dollar spent

* The premier rewards gold (PRG) has a $175 AF, but gives 3x points on airfare, 2x on gas and groceries, and 1x on everything else.

I personally wouldn't get a green unless I was spending at least 15k per year, although others may disagree. However if you're using it as a pathway to get additional Amex cards, then it may be worth it even if you're spending less than that. There's really no reason to get the gold.

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Thanks Creditscholar duly noted and yes the long term is a pathway now you gave me a 2nd question to that .....can those points be transfered to a revolver

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No they can't, unless you're referring to their MB revolver which also earns MR points. The MB is also their ugliest card by a large margin IMO.

MR points can however be transferred to various airline programs as miles. As a general rule the best use of MR points is for travel redemptions, but most of those require quite a few points to get a decent value.

[myjourney]

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@CreditScholar wrote:

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@myjourney wrote:

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@CreditScholar wrote:

* There isn't much of a difference between green and the basic gold, other than access to gold events.

* The green has a $95 AF while the gold is $125

* Both give 1 MR point per dollar spent

* The premier rewards gold (PRG) has a $175 AF, but gives 3x points on airfare, 2x on gas and groceries, and 1x on everything else.

I personally wouldn't get a green unless I was spending at least 15k per year, although others may disagree. However if you're using it as a pathway to get additional Amex cards, then it may be worth it even if you're spending less than that. There's really no reason to get the gold.

---

Thanks Creditscholar duly noted and yes the long term is a pathway now you gave me a 2nd question to that .....can those points be transfered to a revolver

---

No they can't, unless you're referring to their MB revolver which also earns MR points. The MB is also their ugliest card by a large margin IMO.

MR points can however be transferred to various airline programs as miles. As a general rule the best use of MR points is for travel redemptions, but most of those require quite a few points to get a decent value.

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[Anonymous]

The only way to preserve MR points is to open a plain Blue revolver. The Blue revolver participates in the MRE program (like Amex Zync) and will preserve your MR balance. The downside is that you won't be able to transfer MRE points to FF programs so they are worth very little.

[myjourney]

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@Anonymous wrote:

The only way to preserve MR points is to open a plain Blue revolver. The Blue revolver participates in the MRE program (like Amex Zync) and will preserve your MR balance. The downside is that you won't be able to transfer MRE points to FF programs so they are worth very little.

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Thanks bluedog1

All of you are helping in my selection

[myjourney]

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@myjourney wrote:

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@CreditScholar wrote:

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@myjourney wrote:

---

@CreditScholar wrote:

* There isn't much of a difference between green and the basic gold, other than access to gold events.

* The green has a $95 AF while the gold is $125

* Both give 1 MR point per dollar spent

* The premier rewards gold (PRG) has a $175 AF, but gives 3x points on airfare, 2x on gas and groceries, and 1x on everything else.

I personally wouldn't get a green unless I was spending at least 15k per year, although others may disagree. However if you're using it as a pathway to get additional Amex cards, then it may be worth it even if you're spending less than that. There's really no reason to get the gold.

---

Thanks Creditscholar duly noted and yes the long term is a pathway now you gave me a 2nd question to that .....can those points be transfered to a revolver

---

No they can't, unless you're referring to their MB revolver which also earns MR points. The MB is also their ugliest card by a large margin IMO.

MR points can however be transferred to various airline programs as miles. As a general rule the best use of MR points is for travel redemptions, but most of those require quite a few points to get a decent value.

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What is MB revolver? 

[09Lexie]

I was thinking the same thing!

[myjourney]

Someone will help us