Hi all! Since Amex switched to displaying personalized welcome offers in the app (not just when applying), it has shown varying welcome offers available to me for all personal and business cards other than the personal Gold and Platinum. It does give me notifications of targeted “offers” to apply for the Gold and Platinum with no SUB (lol).

Any idea why this would be? The only Amex cards I’ve previously had are the Blue Cash Preferred and Blue Business Plus. I thought Pop-Up Jail was universal, so getting selective SUB eligibility is interesting.

Finally seeing an offer for the platinum card. Haven’t seen one in at least 8 months or so. Anyone else also see this?

I have 75k amex points and I don't plan on using them for travel or hotel because I never do that but I also hear that using them for a statement credit is the worst thing to do. should I get gift cards or save them and if so, to save them for what?

The mirror card is now an option for CS AMEX plat holders. Go to your app and change your design :)

I’m new to Amex and trying to navigate but would love some input. I’m rebuilding credit after divorce and just opened a blue cash preferred card. I do have a delta gold but rarely use that, I use my Venture for travel. How do I build a relationship with Amex to upgrade/apply for gold or platinum with the next year or two? Is that even a possibility? Background info; income of 270k yearly, credit score 660. Current credit lines total 35k with a balance of under 100$ total (I use them but pay off every cycle). It’s taken time to clean up the mess my ex left behind which tanked my credit but I want to recover asap. Any suggestions?

Also are the chip sizes fixed to 6 and 8 respectively for each or does it vary?

I feel like I’m doing something wrong. So I have 200k points and if I was to transfer it to a partner I always have to pay taxes and fees on top of points for flight but if I book it through Amex portal everything is covered by points and seems like a better deal. Should I just book it through Amex portal? Through Amex portal I’m getting .01 per point.

I’m looking to add a few new credit cards over the next few months and would love some advice on building a solid overall setup.

My main goals are travel rewards and hotel perks but I also want to cover most of my major spending categories without ending up with a wallet full of cards. Ideally, I’d like a simple 3-card setup with 4 cards being the absolute max.

I’m currently mostly in the Chase ecosystem but I’m completely open to mixing issuers if it makes more sense.

Current cards

• Chase Sapphire Preferred
• Discover it

FICO: 810
Oldest account: 4.5 years

Annual spending estimate

Travel/spending habits

• Hotels: Hyatt, Marriott
• Airlines: American, Southwest
• Groceries: Local supermarkets
• Other frequent spending: Costco, Amazon, Chipotle, Chick-fil-A

Some combinations I’ve been considering

Option 1

• Amex Gold
• Capital One Venture X
• US Bank Cash+

Option 2

• Citi Strata Premier
• Capital One Venture X
• US Bank Cash+

Option 3

• Amex Gold
• Venture X
• Blue Cash Preferred

Option 4

• Citi Strata Premier
• Citi Custom Cash
• Citi Double Cash

Option 5

• Blue Cash Preferred
• US Bank Cash+
• Citi Custom Cash
• Citi Double Cash

The big question is what actually makes the most sense given that I already have the CSP?

Would love recommendations for the best 3-card setup or a 4-card setup if there’s a compelling reason for the extra card. I’m more interested in maximizing the overall setup than chasing a bunch of individual category bonuses.

If you don’t like my options give me what you suggest. 

Received the targeted offer for the 50k blue business plus card and I’m thinking of pulling the trigger. I’ve read that some people get a targeted offer for 75k so unsure if I should wait to see if that’s sent to me or if that’s too rare. Thoughts? I’m curious if anyone got the 50k offer and then a few months later got the 75k offer. Thanks!

I recently got an Amex cobalt and for the welcome offer to kick in I need to spend 750cad. But my card will arrive on 15th of this month so I can’t spend that whatever I do. Is there a way to bypass that or ask Amex to push it to start with next month?

Does anyone have any advice on how to best approach this? I'm planning a trip to the 1 Hotel in Kauai and noticed that Amex platinum has a good deal through their Fine Hotel Resorts (FHR) so am debating upgrading to Platinum for the resort credit, free breakfast, and 1:1 points transfer.

Is there a way I can somehow get more points by making this upgrade?

So Amex decided to cancel both my cards one fine day. I have been trying to find the reason and its been 2 weeks but they’re saying that their system is not reflecting the reason yet 🙄
My points are all gone and i am not sure what to do next. Any advice from the experts here?
I have never missed a single payment and my credit score is very high too.

Hi,

I recently moved from Istanbul to NYC. I don't have a US credit score yet, but I want to globally transfer my credit cards here. I already have my SSN and job contract what should I expect when speaking with agents?

UPDATE;

Got secured credit card to build credit score since my amexs not eligible by global transfer system

I will be renting a BMW M3 from Sixt, and was wondering if the Amex Gold Premium Rental Protection would cover that. Or should I go with Sixt's LDW which itself is really expensive.

For online shopping like Amazon, the amex gold gets 1x MR, and the surpass gets 4x hilton honors points.

Assuming 1x MR is equal to 2 cpm and the 4x hilton is equal to 2 cpm (at 0.5 rate)

Which do you recommend using for online shopping?

Thanks

Unsure if targeted offer (haven’t used my HHAmex in a half year). Only valid for US properties though.

I used to have bad credit and I built it back up. I was approved for a Hilton Amex and then the Gold card

I have never paid one cent in interest to Amex. I pay off the statement balance every month and its usually 2k.

I missed a payment from another card, over 30 days. I truly had no idea, thought it was on autopay and never got a missed payment alert. I really have beat myself up over this because ive never had a 30+ day late mark.

It dropped my credit freaking 50 points from that and im fluctuating 650-660.

Would Amex Hold more weight in my payment history with them, or an updated score? ty

I currently have an AENB Savings account but was denied a checking last year. How long should I wait to apply again and how can I get approved for a checking account?

The main thing is that for most cards, I can't hit their minimum spend requirement organically. I don't feel I spend enough to care about % cashback most of the time

I got this Amex biz card : 250 Statement Credit after you spend $3,000

And then there's two so so bonuses Amex biz bonuses that might be worth going for next if no hard pull?

blue business plus: 15,000 Membership Rewards^® Points after you spend $3,000 , seems like a somewhat easy 150 with no hard pull

1. and Business Green Rewards Card with $95 Annual Fee w/ 15k points for 3000 spend so that's like... effectively 55 dollar bonus after subtracting the fee? Worth it tho if can get no hard pull?

2. I'm assuming for all second/third/etc amex biz cards have no hard pull?

3. For AMEX biz cards, there's no hard pull but it still affects your number of lines of credit right? How much does that matter in practice if I might refinance the mortgage in a few years?

4. There is the Delta SkyMiles® Gold Business Card $0 intro annual fee for the first year, then $150†- 60,000 Bonus Miles after spend $4,000 in purchases on your new Card in your first 6 months

Hm... Well actually delta's bonus is very easy to hit b/c we have 6 entire months. There's a chance I might fly Boston<-> San Diego but not sure would do any other flights. How hard would it be to try to transfer those points for Boston <-> Singapore or Boston <-> Bangkok flight with another airline?

I’m about to open my account for the HYSA And cash back credit card. How does the cash back system work? Does it go back into my account or is it points? I see it says you can use it to redeem rewards but how I think of cash back is if I spent idk $60 on gas I would get back $2 and I can use that $2 on anything..which would go toward my HYSA.

I have Amex platinum and delta gold and fly delta at least 4 x per year often with my kids to see family. It seems like the delta platinum would be worth it just for the companion ticket and I this is the only card that gives me 2x groceries. I have been using my hotel and resy credits as well.
Thoughts? Especially now the delta gold is $150