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Old 12-20-2020, 11:57 AM
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What do you all think of the AMEX Platinum or Gold vs other rewards cards?
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Old 12-20-2020, 12:03 PM
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Originally Posted by say again View Post
What do you all think of the AMEX Platinum or Gold vs other rewards cards?
Had the platinum for 5 years
Switched to the gold. The gold is a much better fit for my needs. You need to see what your needs are and what card works for those needs.

Platinum worked when we were without kids and traveled. Now with kids, 4x points on restaurants and groceries are our jam. Boy how life changes
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Old 12-20-2020, 01:02 PM
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Marriott Amex has a 100K bonus point deal now. I generally like the Delta Amex Reserve Card, which has good sign up bonuses and benefits .
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Old 12-20-2020, 02:12 PM
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Originally Posted by say again View Post
What do you all think of the AMEX Platinum or Gold vs other rewards cards?
If I had to pick from those 2, I would earn more from the gold (excluding the sign up bonus). I would rather go with Chase trifecta. Chase freedom unlimited, chase freedom flex, and Chase Sapphire Preferred or Reserve. The points from the freedom can transferred to the Sapphire, which can be transferred to Chase's partner or use it in the portal. I'm sitting on 260K points from Chase which most are earned from the Freedom's 3% or 5% categories. IMO if I have to pick one card it would be the Chase Sapphire Reserve.
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Old 12-20-2020, 02:14 PM
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Originally Posted by Silver02ex View Post
If I had to pick from those 2, I would earn more from the gold (excluding the sign up bonus). I would rather go with Chase trifecta. Chase freedom unlimited, chase freedom flex, and Chase Sapphire Preferred or Reserve. The points from the freedom can transferred to the Sapphire, which can be transferred to Chase's partner or use it in the portal. I'm sitting on 260K points from Chase which most are earned from the Freedom's 3% or 5% categories. IMO if I have to pick one card it would be the Chase Sapphire Reserve.
CSR is tough to beat if you have high travel/dining spend. Effectively a 4.5% return if you redeem through their travel portal.

The $300 annual travel rebate effectively brings annual fee down to $250. It was $450 but went to $550 this year.

A few other perks like Lyft Pink and DashPass have been useful to me as well.
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Old 12-20-2020, 02:17 PM
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Originally Posted by busdriver12 View Post
Marriott Amex has a 100K bonus point deal now. I generally like the Delta Amex Reserve Card, which has good sign up bonuses and benefits .
I believe those miles are limited to Delta. For the same annual fee the AMX platinum is 100K MR points (last I saw) that can be transfer to Delta or other travel partners, and have the same lounge access.
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Old 12-20-2020, 02:22 PM
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Originally Posted by ClncClarence View Post
CSR is tough to beat if you have high travel/dining spend. Effectively a 4.5% return if you redeem through their travel portal.

The $300 annual travel rebate effectively brings annual fee down to $250. It was $450 but went to $550 this year.

A few other perks like Lyft Pink and DashPass have been useful to me as well.
I can justify the $550 because I can use the Chase freedom unlimited or flex to get the 3% or 5% categories that transfer to the Sapphires which makes the trifecta more valuable. Plus the $300 travel credit can be used for groceries right now which helps.
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Old 12-20-2020, 02:25 PM
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Originally Posted by Silver02ex View Post
I can justify the $550 because I can use the Chase freedom unlimited or flex to get the 3% or 5% categories that transfer to the Sapphires which makes the trifecta more valuable. Plus the $300 travel credit can be used for groceries right now which helps.
Oh yeah I forgot they were including groceries in the 3x category right now as well.
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Old 12-20-2020, 04:16 PM
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Originally Posted by Silver02ex View Post
I believe those miles are limited to Delta. For the same annual fee the AMX platinum is 100K MR points (last I saw) that can be transfer to Delta or other travel partners, and have the same lounge access.
Interesting, that sounds like maybe the AMEX platinum is a better deal for many. I never use the Delta companion pass they give you with the Amex, but the MQMs are valuable to me, so I guess that’s what I’m trading off for.
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Old 12-20-2020, 05:02 PM
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Great info! Thanks. I was leaning towards AMEX for the rewards and the no APR if paid monthly.
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