Is Amex worth it?

I did the Delta as well. Got a free pair of Bose quite headphones for spending $500 in the first 3 months which is easy to spend in a week or two. Plus you get priority boarding and the free checked bag, if you travel will cover your fee in a heart beat. But then again I have cards that cover my three most used airlines and the checked bag fee pays for the card.

Not enough info to say. What would you use it for? Are you a frequent traveler?

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I have AMEX blue cash.. its $75 year fee but i make that and much more in cash rewards.

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same here. I have the blue cash preferred. 6% back on groceries, 3% back on gas and department stores, and 1% on everything else. I cover the annual membership fee with about a month of spending.

I have American Express Blue and have considered going to the gold or platinum bc they have offered 1yr free and 25k points after the first 3k spent...

I don't spend enough/earn enough points in a year to justify the $175 annual fee.

Never had an issue with Amex though, great service.

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Is Amex worth it?

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No it isn't. I had the gold for 2 years, $125 fee. Rewards suck compared to other cards in value. Just cancelled it before the new year.

they offered, but I had just gotten Discover. Didn't need 3 cards.

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I don't understand this. If you don't need the card, just throw it in a drawer. Why get rid of beneficial credit, unless you are just not got good at not spending what you don't have. In which case, I understand.

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No I'm very good at using credit cards, just doesn't make sense to me to have three. Especially if I'm not gonna use it.

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No I'm very good at using credit cards, just doesn't make sense to me to have three. Especially if I'm not gonna use it.

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What I'm getting at is why not keep the credit which is very beneficial to your credit score? It doesn't harm you to have the card at all.

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Alot of offers I've gotten (discover it, chase slate) have $0 fees.

So why does Amex hit me up for $175/yr? Is it worth it?

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I've started threads on this but I'm 27 and have the American Express Premier Rewards Gold card. First off, they sucker you into thinking it's some kind of status symbol or personal achievement. That's just BS. Nobody cares unless you're rocking the Black Card.

B***** don't get naked for Gold or Platinum. In fact, anybody who doesn't visit this board probably doesn't know you have to actually have good credit to get it.

Also, if you qualify for a Premier Rewards, you qualify for the Platinum. Platinum fee isn't waived first year and is $450 a month in travel. No accelerated Rewards. So its probably more beneficial to get the Premier unless you travel like 2-3 times a month.

As far as the card:

1. Got 25K for signing up. I'm already at 30K points. Enough for $250 gift card to multiple places like Brooks Brothers, etc. You rack up points fast if you buy stuff that you get 2X or 3X points for. I eat out alot. I only get 1 pt for restaurants. That sucks

2. There isn't a better card out there for managing your spend. None. I learned I waste alot of money and 63% of my spend is on groceries and entertainment. Go figure.

3. I used the travel insurance on a 3 day trip. Flat $20 bucks compared to $40 a day through the carrier. To me, it already paid some dividends.

4. There isn't no concierge service for Gold members of any level. You call the travel and they give you the run around. You want them to coordinate crap for you? Get a Platinum and pay the fee.

5. It's a good card but be conscious of what you spend. You're paying it off entirely in a couple weeks. It's good for travel and spend protection.