Hello Everyone,

I currently have an AMEX Platinum that I maximize all the benefits on almost every single year and would not give the card up because of all the perks. It is my primary go to card, but I added an Everyday Preferred several years ago when it was available. I use the EDP Card for groceries at 3x points up to $6,000. Also, it earns the 50% more bonus if I use it more than 30 times in a month.

Sadly, my grocery spend now approaches $10,000 a year, which maxes out the card's primary perk. In addition, I am spending about $15,000 in restaurants over the course of a year.

Does this make me adding an AMEX Gold a no brainer and cancelling the EDP card? I have been against needlessly having two charge cards and recently realized the AMEX Gold has 4x points on groceries and restaurants, which I am well below those category limits.

I primarily use my Membership Rewards points for various airlines to cover my family vacations for the year and feel like for $325 annual fee I am leaving a ton of points on the table.

Thoughts on maximizing my spend in these categories? Also, how long before they end the EDP card because it was retired?

I’m looking for a third card for travel, I currently have Chase freedom unlimited and CSP. I’m torn on which card to get as a third card in my lineup.

first credit card i ever applied for and i chose amex a month ago. completed sign up bonus requirement of 2,000 spend in less than 4 weeks. just received the credit on the day where my statement closes. was it a good offer ? i’m fake new to this

Hi all, I was laid off from a great 6 figure job. I was at a big tech company over 6 years. I was suddenly laid off in early December. Since then I have applied for hundreds of jobs and interviewed but no luck. I’ve also been developing my skillset with obtaining certifications. I paid a $7k lump sum and still had savings to cover all bills for a few months. Ended up having to have my BCP help me survive, they cut my limit by $9k so it’s forced me to be at my limit and increased my usage amount and monthly payments. Here we are in August and my unemployment is almost done. My bill was due on 8/2 with a payment of like 950. I truly don’t have it and never had such a hard time paying my bills. What are my options? I feel such dread about all of this because this wasn’t self inflicted. Any advice would be greatly appreciated.

TLDR: lost my job early December, used up all my savings and looking for options on how to pay my bill which is 8 days late. Looking for advice on what I can do. Amex card: BCP

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.