American express credit cards - Revision history

Editor: /* Personal Cards */

2021-06-16T18:26:14Z

‎Personal Cards

Editor: /* Amex Rules and Tips */

2021-04-30T03:12:55Z

‎Amex Rules and Tips

Editor: /* Amex Rules and Tips */

2021-04-27T21:07:23Z

‎Amex Rules and Tips

Editor: /* Amex Rules and Tips */

2021-02-23T05:18:50Z

‎Amex Rules and Tips

Editor: /* Other Cards */

2021-02-23T01:18:55Z

‎Other Cards

Editor: /* Other Cards */

2021-02-23T01:18:38Z

‎Other Cards

Editor: /* Business Cards */

2021-02-23T01:13:27Z

‎Business Cards

Editor at 01:04, 23 February 2021

2021-02-23T01:04:36Z

Editor at 00:58, 23 February 2021

2021-02-23T00:58:58Z

Editor at 00:57, 23 February 2021

2021-02-23T00:57:37Z

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 === Personal Cards ===
-{{#invoke:CardGrid|output|platinumcard|everydaypreferred|bluecash|premierrewards|greencard}}
+{{#invoke:CardGrid|output|platinumcard|premierrewards|everydaypreferred|bluecash|greencard}}
 === Business Cards ===

← Older revision		Revision as of 03:12, 30 April 2021
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	<li>'''You should almost always make sure to earn a referral bonus on every credit card application'''. Unlike the other credit card companies, you can earn referral points when your friend gets ANY Amex credit card, not just one of the cards you already have. For example, you might earn a 20,000 point Membership Rewards bonus from your Platinum Card, when you refer a friend and they wind up getting one of the Hilton cards (your friend receives the normal Hilton signup offer). Don't refer yourself for a card, but you should still be safe to refer a spouse. </li>		<li>'''You should almost always make sure to earn a referral bonus on every credit card application'''. Unlike the other credit card companies, you can earn referral points when your friend gets ANY Amex credit card, not just one of the cards you already have. For example, you might earn a 20,000 point Membership Rewards bonus from your Platinum Card, when you refer a friend and they wind up getting one of the Hilton cards (your friend receives the normal Hilton signup offer). Don't refer yourself for a card, but you should still be safe to refer a spouse. </li>
		+
		+	In rare cases, Amex may alert you during the signup process that while you can apply for the card, you won't receive the signup bonus (even though you've never had the card before). If you see this alert, you can try applying without the referral link. In some instances, you will then be entitled to the signup bonus (but you'll unfortunately miss out on the referral).

	<li>'''You can only downgrade cards within the same family'''. And you can only downgrade credit cards to other credit cards and charge cards to other charge cards. However, many of their families are quite large, and contain no-annual-fee options.		<li>'''You can only downgrade cards within the same family'''. And you can only downgrade credit cards to other credit cards and charge cards to other charge cards. However, many of their families are quite large, and contain no-annual-fee options.

@@ Line 49: / Line 49: @@
 <li>'''Even if you've never had the card before, Amex may limit your ability to collect the signup bonus, based on your credit card application history'''. If so, they will pop-up a warning during the application process. You can still get the card, but you won't be eligible for the signup bonus.</li>
-<li>'''You can only have four to five Amex CREDIT cards at any one time'''. This counts both personal and business credit cards.  Amex issues two types of cards: "credit cards" and "charge cards". The charge cards, primarily the various flavors of the Platinum, Gold, and Green cards (except the personal Green card), don't count against the {{Amex Limit}} limit. In other words, you can have {{Amex Limit}}, in addition to as many charge cards as you want.  {{Link|Amex Limits}}.</li>
+<li>'''You can only have five Amex CREDIT cards at any one time'''. This counts both personal and business credit cards.  Amex issues two types of cards: "credit cards" and "charge cards". The charge cards, primarily the various flavors of the Platinum, Gold, and Green cards (except the personal Green card), don't count against the {{Amex Limit}} limit. In other words, you can have {{Amex Limit}}, in addition to as many charge cards as you want.  {{Link|Amex Limits}}.</li>
 <li>'''You can have multiple versions of the same card'''. For example, if you wanted to earn two Hilton hotel certificates each year, you could have two copies of the Hilton Surpass card. You would usually just earn a signup bonus for one of them.</li>

@@ Line 38: / Line 38: @@
 <ul class="bulletlist">
-<li>'''American Express operates its own reward program called {{Link|Membership Rewards|Membership Rewards}}, which earns points that can be transferred to a couple of dozen different airlines'''. Membership Rewards make it easy to earn huge quantities of points you can use for frequent flyer tickets. Unlike Ultimate Rewards, the only good use of Membership Rewards points is (usually) booking frequent flyer tickets. But, if you are planning on using your reward points for award tickets, Membership Rewards points may be even more valuable than Ultimate Rewards points, due to the larger number of transfer partners, occasional transfer bonuses, and the increased ability to earn points from signup bonuses.</li>
+<li>'''American Express operates its own reward program called {{Link|Membership Rewards|Membership Rewards}}, which earns points that can be transferred to a couple of dozen different frequent flyer programs'''. It is the clear best program for earning points for frequent flyer tickets, due to its large number of transfer partners, occasional transfer bonuses, and greatly increased ability to earn points from signup and referral bonuses. But unlike Ultimate Rewards, the best you can usually do with other redemptions is 1 cent per point (unless you have the Business Platinum Card or the Schwab Platinum Card).</li>
 {{Logo|Membership Rewards}}.
-<li>'''You can usually only earn a signup bonus for any specific American Express card once per lifetime—it is often worthwhile to wait for a good offer'''. The actual rule is that you can't earn a signup bonus for a card that you have had before, regardless of whether you previously earned a signup bonus, or not.  However, many targeted offers bypass this limitation, allowing you to earn a bonus a second time (you need to check to see if the fine print mentions the once-per-lifetime limitation or check with an American Express phone representative).</li>
+<li>'''You can usually only earn a signup bonus for any specific American Express card once per lifetime—it is often worthwhile to wait for a good offer'''. The actual rule is that you can't earn a signup bonus for a card that you have had before, regardless of whether you previously earned a signup bonus or not.  However, many targeted offers bypass this limitation, allowing you to earn a bonus a second time (you need to check to see if the fine print mentions the once-per-lifetime limitation or check with an American Express phone representative).</li>
 You can also sometimes earn a bonus for upgrading one of your cards to a more expensive card, even if you had previously earned a signup bonus for the card you are upgrading to.
-Even if you have multiple businesses, with separate EINs, you still can't earn a signup bonus for a card you've had before (except through certain targeted offers). Business and personal cards are considered separate cards, so you can earn the bonus on a business card, even if you've already earned the bonus on the personal card, and vise versa.
+Even if you have multiple businesses, with separate EINs, you still can't earn a signup bonus for a card you've had before (except through certain targeted offers). Business and personal cards are considered separate cards, so you can earn the bonus on a business card, even if you've already earned the bonus on the personal card and vise versa.
-<li>'''Even if you've never had the card before, Amex may limit your ability to collect the signup bonus, based on your credit card application history'''. If so, they will pop-up a warning, during the application process. You can still get the card, but you won't be eligible for the signup bonus.</li>
+<li>'''Even if you've never had the card before, Amex may limit your ability to collect the signup bonus, based on your credit card application history'''. If so, they will pop-up a warning during the application process. You can still get the card, but you won't be eligible for the signup bonus.</li>
 <li>'''You can only have four to five Amex CREDIT cards at any one time'''. This counts both personal and business credit cards.  Amex issues two types of cards: "credit cards" and "charge cards". The charge cards, primarily the various flavors of the Platinum, Gold, and Green cards (except the personal Green card), don't count against the {{Amex Limit}} limit. In other words, you can have {{Amex Limit}}, in addition to as many charge cards as you want.  {{Link|Amex Limits}}.</li>
-<li>'''You can have multiple versions of the same card'''. You just usually entitled to the signup bonus on the second card. For example, if you wanted to earn two Hilton hotel certificates each year, you could have two copies of the Hilton Surpass card.</li>
+<li>'''You can have multiple versions of the same card'''. For example, if you wanted to earn two Hilton hotel certificates each year, you could have two copies of the Hilton Surpass card. You would usually just earn a signup bonus for one of them.</li>
 <li>'''If you are initially declined, there is a good chance that you can still get the card if you call their reconsideration line'''. You just may need to make a few changes to your accounts.</li>
-<li>'''You can earn referral points when your friend gets ANY Amex credit card'''. You can earn a referral bonus from your American Express card when one of your friends uses your referral link, regardless of what card they wind up getting. For example, you can earn a 15,000 point Membership Rewards bonus from your Platinum Card, when you refer a friend and they wind up getting one of the Hilton cards (your friend receives the Hilton offer).  While you might be able to refer yourself to an additional card, don't do it. Amex has come back later and pulled back the referral points from people who've done this. You should still be safe for referring a spouse. </li>
+<li>'''You should almost always make sure to earn a referral bonus on every credit card application'''. Unlike the other credit card companies, you can earn referral points when your friend gets ANY Amex credit card, not just one of the cards you already have. For example, you might earn a 20,000 point Membership Rewards bonus from your Platinum Card, when you refer a friend and they wind up getting one of the Hilton cards (your friend receives the normal Hilton signup offer).  Don't refer yourself for a card, but you should still be safe to refer a spouse. </li>
-<li>'''You can only downgrade cards within the same family'''. And. you can only downgrade credit cards to other credit cards, and charge cards to other charge cards. However, many of their families are quite large, and contain no-annual-fee options.
+<li>'''You can only downgrade cards within the same family'''. And you can only downgrade credit cards to other credit cards and charge cards to other charge cards. However, many of their families are quite large, and contain no-annual-fee options.
 <li>'''Amex is often generous with retention offers'''. You can often get a new offer every few months, not just once per year.</li>
-<li>'''Advanced details'''. You can only get approved for two credit cards every 90 days, and one card every five days. But, there is no hard rule for charge cards. If you are declined for a card, Amex will usually only make a "soft" inquiry. They will NOT usually match a higher signup bonus that becomes available after you sign up for the card. Amex will sometimes send a new card by priority mail.</li>
+<li>'''Advanced details'''. You can only get approved for two credit cards every 90 days and one card every five days. But there is no hard rule for charge cards. If you are declined for a card, Amex will usually only make a "soft" inquiry. They will NOT usually match a higher signup bonus that becomes available after you sign up for the card. Amex will sometimes send a new card by priority mail.</li>
 </ul>

@@ Line 30: / Line 30: @@
 <li>'''[//www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-plum-card-amex Plum Business Card]'''. The Plum Card doesn't offer traditional rewards. But it provides 1.5% cashback if you pay your balance within 10 days of your statement closing date. As long as you remember to pay early, it works just like any other 1.5% cards. </li>
-<li>'''[[https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/lowes-credit-cards Lowe's Business Rewards Card]'''. 3% back at restaurants, office supply stores, and wireless phone service. 2% back at Lowes. There are plenty of cards with better rewards for these categories (and that won't take up one of your Amex credit card slots.</li>
+<li>'''[//www.americanexpress.com/us/credit-cards/business/business-credit-cards/lowes-credit-cards Lowe's Business Rewards Card]'''. 3% back at restaurants, office supply stores, and wireless phone service. 2% back at Lowes. There are plenty of cards with better rewards for these categories (and that won't take up one of your Amex credit card slots.</li>
 </ul>

@@ Line 27: / Line 27: @@
 <ul class="checklist">
 <li>'''[//www.americanexpress.com/us/credit-cards/card/cash-magnet/ Cash Magnet Card]'''. A 1.5% cashback card isn't very interesting. But, the card does come with a somewhat interesting signup bonus. You get $150 after spending $1,000 (during the first three months) and another $150 if you spend a total of $7,500 in the first year.</li>
 </ul>

@@ Line 12: / Line 12: @@
 === Business Cards ===
-{{#invoke:CardGrid|output|platinumbiz|bluebiz|goldbiz|bluecashbiz|greenbiz|amexprime|lowesbiz}}
+{{#invoke:CardGrid|output|platinumbiz|bluebiz|goldbiz|bluecashbiz|greenbiz|amexprime}}
 === Amex Airline and Hotel Cards (Personal) ===

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 {{Main|article}}
 === Personal Cards ===
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 === Amex Airline and Hotel Cards (Business) ===
-{{#invoke:CardGrid|output|deltagoldbiz|deltaplatinumbiz|delttareservebiz|hiltonbiz|spgbiz}}<noinclude>
+{{#invoke:CardGrid|output|deltagoldbiz|deltaplatinumbiz|delttareservebiz|hiltonbiz|spgbiz}}
 === Other Cards ===

← Older revision		Revision as of 00:57, 23 February 2021
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	{{Main\|article}}		{{Main\|article}}
−	~~</noinclude>~~
	=== Personal Cards ===		=== Personal Cards ===