American Express Cards
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American Express Cards
Posted by Cajun Revolution on 12/7 at 3:21 pm
I've been told these are the best cards to use if you're going to have a charge card or credit card. Does anybody have any experiences with the travel perks? Any cons? Are they worth paying a fee to have?

Thanks.



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Posted by Hugo Stiglitz on 12/7 at 3:22 pm to Cajun Revolution
Well, they charge the most to vendors as far a processing fees go, so frick those guys.



This post was edited on 12/7 at 3:23 pm

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Posted by Cajun Revolution on 12/7 at 3:24 pm to Hugo Stiglitz
quote:

Well, they charge the most to vendors as far a processing fees go, so frick those guys.



So that's how they make their money. Gotcha. I was wondering about that. I mean, it seemed like they were just fronting money for people to pay off every month. LOL. Makes sense now.



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Posted by NASA_ISS_Tiger on 12/7 at 3:24 pm to Cajun Revolution
I do know they protect consumers well. I have one..and I use it primarily for business in lieu of the company card I've been provided. The AMEX points are nice as they don't expire. I've had to do charge backs on issues before..AMEX was easy to work with on that.


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Posted by ThereGoesHerschel on 12/7 at 3:24 pm to Cajun Revolution
Many, many places now only accept visa mastercard and discover due to AMEX's high charges to them. I would personally not get an Amex because there's probably not a ton of places you can even use it.


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Posted by macatak911 on 12/7 at 3:24 pm to Cajun Revolution
They are always doing cool shite like this:

LINK

I have the Delta Platinum.

Fee is like $150 if i recall but you get a buy one get one free on Delta and no check bag fees and get to board before everyone.

Also you get the general AMEX stuff like 90 days accidental damage. Drop that laptop within 90 days? Replaced for free.

Also you get double warranty on purchases up to a year. So that iPhone you just bought has two years total.



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Posted by lsuwontonwrap on 12/7 at 3:25 pm to Cajun Revolution
quote:

I've been told these are the best cards to use if you're going to have a charge card or credit card.


Who told you that? The people at American Express?



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Posted by Cajun Revolution on 12/7 at 3:27 pm to macatak911
I recently got rid of all my Credit Cards because theyre pretty much the devil.

I was looking at getting a AMEX Gold Rewards card. Supposed to give you alot of points for travel and I've seen a few posters talk about all the free travel they get of their rewards card.

Just wondering if it was worth it cause I could filter everything through that card. Get travel points. Profit.



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Posted by Cajun Revolution on 12/7 at 3:28 pm to lsuwontonwrap
quote:

Who told you that? The people at American Express?



You know any one else that offer a charge card with similar benefits?



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Posted by macatak911 on 12/7 at 3:29 pm to Cajun Revolution
quote:

Just wondering if it was worth it cause I could filter everything through that card. Get travel points. Profit.


That's what I do. I've amassed 250,000 Delta Skymiles since 2005. Would be stupid not to get a card with good rewards.

Just make sure you find a card that offers you something in return close to that annual fee.

The Dela Platinum made sense because a) we usually fly delta, b) bag fees waives, and c) using buy one get one free we always book a flight more than the $150 annual fee would have been. Like a $300 flight to NYC.



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Posted by jbond on 12/7 at 3:30 pm to Cajun Revolution
quote:

I've been told these are the best cards to use if you're going to have a charge card or credit card.


Both my parents have American Express cards and say the same thing. To be honest I don't really know what makes them so special, but I'm still in school and haven't ever really compared credit cards before.



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Posted by macatak911 on 12/7 at 3:32 pm to jbond
quote:

I don't really know what makes them so special,


a) travel perks

b) warranty/accidental damage

c) You're dealing with American Express rather than Chase/Cap One through Visa/MC. I've have fraud issues on my AMEX and my Chase and I would say my experience handing the bull shite was 10000x better with AMEX.



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Posted by Cajun Revolution on 12/7 at 3:32 pm to macatak911
quote:

e Dela Platinum made sense because a) we usually fly delta, b) bag fees waives, and c) using buy one get one free we always book a flight more than the $150 annual fee would have been. Like a $300 flight to NYC.


I think the fee on this one is $175 after the first year. I just applied and was approved for the AMEX Gold Premier Rewards card. No fee for the first year which is what drew me to it. There seems to be triple points on groceries and gas which is where I'll be racking up points.


This post was edited on 12/7 at 3:35 pm

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Posted by macatak911 on 12/7 at 3:34 pm to Cajun Revolution
quote:

No fee for the first year which is what drew me to it. There seems to be triple points on groceries and gas which is where I'll be racking up points.


Perfect!

Love me some rewards. I charge my rent to my Amazon.com card (don't take AMEX) and pay it off immediately just to get points. Free shite from Amazon!



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Posted by mark_in_table on 12/7 at 3:34 pm to Cajun Revolution
I have AMEX Blue Cash Everyday because i dont spend enough to justify paying a annual fee. Put if i got an annual fee card i would definetly get a AMEX Blue Cash Preferred.

$75 annual fee,
6% cash back at u.s. stand-alone supermarkets (up to $6000 then 1% after that)
3% cash back at u.s. stand alone gas stations
3% cash back at department stores

So i think if you spend like $50/ week on groceries it would pay for itself.

eta- didnt see the travel perks part so my post is useless.



This post was edited on 12/7 at 3:40 pm

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Posted by Cajun Revolution on 12/7 at 3:35 pm to macatak911
Actually its double points and triple points on airfare. I don't travel so much so that sucks but hell, who knows.


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Posted by macatak911 on 12/7 at 3:36 pm to Cajun Revolution
quote:

I don't travel so much so that sucks but hell


LSU TO THE ROSE BOWL!



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Posted by Cajun Revolution on 12/7 at 3:44 pm to mark_in_table
Your card would probably be more practical but I wanted a Charge Card, as to avoid every going into CC debt again. This seemed like the most advantageous. The Platinum with its $450/yr didnt seem worth it to me.

I'm looking for an excuse to travel and if I can rack up points through my everyday crap...so be it.



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Posted by gazelles on 12/7 at 3:57 pm to Cajun Revolution
i have the platinum

i dont fly much, but i easily drink $500 in drinks in the few times i do a year. free bags is nice too



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Posted by Cajun Revolution on 12/7 at 4:15 pm to gazelles
quote:

i easily drink $500 in drinks in the few times i do a year. free bags is nice too


Say what? You drink $500 worth of alcohol in the lounges? How does that work? You get access to lounges and get drinks for free?



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