cancel
Showing results for 
Search instead for 
Did you mean: 

The end to Amex Airline GC workaround ?

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Established Contributor

Re: The end to Amex Airline GC workaround ?

If this is indeed fixed this kinda changes things in regards to my gold. I’m glad I got my 100$ gift card last month instead of waiting but this is definitely a bummer.

It will definitely be a lot harder to use the credit going forward which would probably steer many people away from the airline fee credit cards. Looking on the bright side, this would give me no reason to keep my AA Plat going forward.
Amex Gold NPSL, Amex Hilton Aspire 3k, Amex Marriott Bonvoy 1k, AMEX BBP 3.5k, AMEX Hilton Surpass 4.5k, BOA Cash Rewards 8.2k, BOA Better Balance Rewards 2k, Care Credit 15k, Chase Amazon Visa 19.825k, Discover 11.8k, Discover 12.5k, Nordstrom Store 4.5k , Fidelity Visa 10k, Cap 1 QS 15k, Cap 1 Savor 10.5k, Citi Rewards+ 4.4k, Citi DC 7.5k, Citi Advantage Platinum 5.5k, US Cash+ 3.5k, Altitude Reserve 9k, Paypal Mastercard 4k, Apple Card 6.5k
Message 11 of 91
Valued Contributor

Re: The end to Amex Airline GC workaround ?

breakeven.png

I will assess this after a year and see where my spending it. For the gold, depending on how much you value the MR points, one needs to spend 2k to 5k more to beat a 2% card if the AF is changed from 30 to 130.

 

If my spending won't support this, I will just close it.

Ⳏroſilē oſ ᥠ chԑap, ſrēqⴑēnt ſlyԑr ✈⛽☕ ⳎroⳎel ✈☕ ⸿sƦ ✈☕☙ ❡olδ ☙ Ⲙileⴑp ⚕ ββⳎ ⌚ ααƤƧ
⛪ ८ſu ┊ ↇᏨ ┊ ८ſ ┊ iէ ┊▲G ⛎ ᐰmzn √ᐰ ┊ wſ -√ ⛪ Ɲĕхт: ✿❀❁ ─ ☙ ēD┊ qš
Message 12 of 91
Highlighted
Valued Contributor

Re: The end to Amex Airline GC workaround ?

A new workaround seems to be emerging.

1. Find flight ticket, let's say it costs A.
2. Buy gift card worth B, ensure A-B is around 100 or less (amex reimbursement mechanism seems to be number based)
3. Apply the gift card, put the remainder balance on amex and it will then be credited for the amount of A-B.

Some DP at flyer talk seems to suggest this will work.
Ⳏroſilē oſ ᥠ chԑap, ſrēqⴑēnt ſlyԑr ✈⛽☕ ⳎroⳎel ✈☕ ⸿sƦ ✈☕☙ ❡olδ ☙ Ⲙileⴑp ⚕ ββⳎ ⌚ ααƤƧ
⛪ ८ſu ┊ ↇᏨ ┊ ८ſ ┊ iէ ┊▲G ⛎ ᐰmzn √ᐰ ┊ wſ -√ ⛪ Ɲĕхт: ✿❀❁ ─ ☙ ēD┊ qš
Message 13 of 91
Established Contributor

Re: The end to Amex Airline GC workaround ?

Yea it sucks because I literally just got the BBP to compliment my gold. My AF is due in October so I will go from there.

So basically you buy a gift card then use it as a partial payment towards a flight and it should trigger the credit?
Amex Gold NPSL, Amex Hilton Aspire 3k, Amex Marriott Bonvoy 1k, AMEX BBP 3.5k, AMEX Hilton Surpass 4.5k, BOA Cash Rewards 8.2k, BOA Better Balance Rewards 2k, Care Credit 15k, Chase Amazon Visa 19.825k, Discover 11.8k, Discover 12.5k, Nordstrom Store 4.5k , Fidelity Visa 10k, Cap 1 QS 15k, Cap 1 Savor 10.5k, Citi Rewards+ 4.4k, Citi DC 7.5k, Citi Advantage Platinum 5.5k, US Cash+ 3.5k, Altitude Reserve 9k, Paypal Mastercard 4k, Apple Card 6.5k
Message 14 of 91
Super Contributor

Re: The end to Amex Airline GC workaround ?

Is anyone really shocked if they did plug the loophole? Bloggers, such as TPG, basically did it in. Obviously the credit was never meant to cover GC purchases. I wouldn't be surprised at all if Amex's RAT team has simply decided enough is enough. They want people who are going to use the card for travel purchases (not gift cards), and they of course want some amount of breakage. With the gift card thing, there is no (or very reduced) breakage.

Message 15 of 91
Super Contributor

Re: The end to Amex Airline GC workaround ?


@FortifiedHM wrote:
It's hard to imagine amex doesn't know this method.

Amex also needs to know, and I bet they do, that shutting down this will lead to loss of many business as well.

Yes, it's a loophole, but amex is a beneficiary of it too.

The thing is that on some level they want to lose that business. Amex doesn't want people who are exploiting loopholes. They want to advertise travel credits and pay them out to legitimate users and/or pay out as little as possible. This loophole makes it too easy for anyone to use, meaning people who really cannot justify the card are justifying it, coming ahead against the AF, and Amex is losing money.

 

It sucks, but I don't think they will lose any  business they really are concerned about

Message 16 of 91
Valued Contributor

Re: The end to Amex Airline GC workaround ?

I'm hoping this will make the Centurion Lounges less crowded.......

Personal Cards: Amex Gold, & Plat | Amex Delta Res | Amex Hilton | CSR | Citi AA Exec Business Cards: Ink+ | Amex BGR | Amex Plat
Message 17 of 91
Valued Contributor

Re: The end to Amex Airline GC workaround ?


@mr_suave wrote:
Yea it sucks because I literally just got the BBP to compliment my gold. My AF is due in October so I will go from there.

So basically you buy a gift card then use it as a partial payment towards a flight and it should trigger the credit?

idea is that amex will reimburse anything around 100 or less coming from an airline, because it thinks that much amount cannot be a ticket, so it must be a fee.

 

this seems to be the case at least with delta, as people has reported amex credit 100 or more even if its ticket cost.

 

this has not been tested with AA, at least I don't think it has been tested. But if AA GC is out of the window, this may just worth a try.

Ⳏroſilē oſ ᥠ chԑap, ſrēqⴑēnt ſlyԑr ✈⛽☕ ⳎroⳎel ✈☕ ⸿sƦ ✈☕☙ ❡olδ ☙ Ⲙileⴑp ⚕ ββⳎ ⌚ ααƤƧ
⛪ ८ſu ┊ ↇᏨ ┊ ८ſ ┊ iէ ┊▲G ⛎ ᐰmzn √ᐰ ┊ wſ -√ ⛪ Ɲĕхт: ✿❀❁ ─ ☙ ēD┊ qš
Message 18 of 91
Established Contributor

Re: The end to Amex Airline GC workaround ?

Hmm I agree. I’ve used up my Credit last month (thank goodness) for a gift card so I wouldn’t be able to try till next year, assuming I do keep the card.

Like most people, I never buy anything while in flight so that credit being limited to that would be pretty useless. I don’t like having to go out of my way to purchase something I normally wouldn’t.
Amex Gold NPSL, Amex Hilton Aspire 3k, Amex Marriott Bonvoy 1k, AMEX BBP 3.5k, AMEX Hilton Surpass 4.5k, BOA Cash Rewards 8.2k, BOA Better Balance Rewards 2k, Care Credit 15k, Chase Amazon Visa 19.825k, Discover 11.8k, Discover 12.5k, Nordstrom Store 4.5k , Fidelity Visa 10k, Cap 1 QS 15k, Cap 1 Savor 10.5k, Citi Rewards+ 4.4k, Citi DC 7.5k, Citi Advantage Platinum 5.5k, US Cash+ 3.5k, Altitude Reserve 9k, Paypal Mastercard 4k, Apple Card 6.5k
Message 19 of 91
Valued Contributor

Re: The end to Amex Airline GC workaround ?


@kdm31091 wrote:

@FortifiedHM wrote:
It's hard to imagine amex doesn't know this method.

Amex also needs to know, and I bet they do, that shutting down this will lead to loss of many business as well.

Yes, it's a loophole, but amex is a beneficiary of it too.

The thing is that on some level they want to lose that business. Amex doesn't want people who are exploiting loopholes. They want to advertise travel credits and pay them out to legitimate users and/or pay out as little as possible. This loophole makes it too easy for anyone to use, meaning people who really cannot justify the card are justifying it, coming ahead against the AF, and Amex is losing money.

 

It sucks, but I don't think they will lose any  business they really are concerned about


I completely agree with you on this.

 

The only small caveat is that when you fly premium cabin and/or have airline status you already get all these things for "free" that the credit covers, so the GC trick was a nice way for those people to utilize the credits.

 

As someone that has $550 a year in Amex Airline credits. It won't make me run to cancel my cards but if this pans out it will make me focus on the earning potential of the cards more as I will have to offset those AF's somehow.

 

Thankfully I've already used all $550 of the airline credits for this year.

Here's to hoping that Delta GC's dont change, as that will be my stratergy for next year. Will be stockpiling these for a rainy day when my AA flying will be over.





Total Revolving Limits $194,600

FICO 8 scores 04/2019
EX-778
TU-714
EQ-716
Message 20 of 91
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.