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Which AMEX should I keep?

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Frequent Contributor

Re: Which AMEX should I keep?

Is the AF negotiable for the Gold card? ....or can it be lowered?

Message 11 of 14
Super Contributor

Re: Which AMEX should I keep?


@ccpat wrote:

Is the AF negotiable for the Gold card? ....or can it be lowered?


It's not negotiable, the fee is what it is. You can offset by using the various credits, but it cannot actually be lowered.

Message 12 of 14
Community Leader
Senior Contributor

Re: Which AMEX should I keep?


@Obscure-Expert wrote:

I would keep the BCP for 6% on groceries, get a ED or plain Blue to keep your MR's in, kill the Gold, and then pick up an Uber for 4% Dining....this saves you $250/yr.


If the OP wants to go this route, I'd suggest hanging onto the BCP (or a no-fee downgrade) long enough to be able to transfer most of its limit to the ED.

Message 13 of 14
Valued Contributor

Re: Which AMEX should I keep?


@ccpat wrote:

Is the AF negotiable for the Gold card? ....or can it be lowered?


Last year I called and got a retention offer which helped offset the fee.  I still had to pay the full $195 (at that time) but I got 10K points for spending $1500 I was going to spend anyway.

Message 14 of 14
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