Upgraded my Amex Gold To Platinum

[Vince G, CSN MFT]

Well, i was apprehensive about the 250 dollar annual fee but by simply making all of my purchases and paying my bills , i have over 104000 points and ive saved about 1300 dollars this year.  So, ive decided to go ahead and upgrade it since they have a 150k offer along with now having to travel more for work and things. I do think the 695 annual fee is outragous but if i have to travel, i want to do it as effectively and comfortably as possible...along with saving money.
 Honestly when i was a kid, i thought American Express cards were for glaciers only and not for us colored folks. 

[Spike]

Diner's Club from National to International


you have enough points to get a free drink next time you and Viss head out to Shoneys

[Vince G, CSN MFT]

Credit Cards are for saps.

Its a charge card, balance has to be paid in full every month.  I dont believe in credit cards

[Grape Ape]

Credit Cards are for saps.

Not using credit cards is for saps.

If disciplined, you get free cash for just paying with the card over regular money.

[Flexacon]

Not using credit cards is for saps.

If disciplined, you get free cash for just paying with the card over regular money.

This. Plus enhanced protection against shitty merchants.

Using a Credit cards if you struggle to pay off the debt would also be for saps.

[Flexacon]

You start buying things that you may not normally buy as you chase points and cash back. Have fun with the eventual usury level interest rates.

That says more about your poor impulse control than the credit card.

[Vince G, CSN MFT]

You start buying things that you may not normally buy as you chase points and cash back. Have fun with the eventual usury level interest rates.

I use it in place of my debit card.  I have more money in the bank because of that.  1300 in savings and 105,000 points.  Just used 15000 of them to buy new funishing for the house.  I should have done this years ago

[Pray_4_War]

Amex is a great company to work with.  Great customer service.  I don't travel so I'm sticking with the Gold card over Platinum.  I'm not an international baller like Vince.  I did just use a shit ton of points and got a new iPhone practically free.  I'm one of those lunatics that uses credit cards for all my expenses and I'm constantly looking for new ones to apply for.  You guys ever watch credit card Youtubers like The Credit Shifu and Ask Sebby?  I watch that shit all the time.  I enjoy it, it's kinda like a hobby.   

[Rambone]

Not using credit cards is for saps.

If disciplined, you get free cash for just paying with the card over regular money.

Exactly. It’s only for saps with no will power. If you can’t handle a credit card, listen to Dave Ramsey because you can’t control yourself.

[Pray_4_War]

I like free money, that's why I use credit cards.

[IroNat]

Vince,

I'm curious.

You got 105,000 points?

How many points do you get for each dollar spent?

[JustPlaneJane]

Vince,

I'm curious.

You got 105,000 points?

How many points do you get for each dollar spent?

1000 points per dollar spent.

🤣

[IroNat]

1000 points per dollar spent.

🤣

Oh my!

[Vince G, CSN MFT]

Vince,

I'm curious.

You got 105,000 points?

How many points do you get for each dollar spent?

I got 60k points after i spent 4000 within 6 months although i hit that mark after 2 months.  I just stopped using my debit card for purchases and put it on my Amex instead.  Thats all i did...didnt chane my spending habits, didnt do anything really other than use the card for purchase like Aaron told me to do.  Then it just kept building up.  I put a total of about 30k on the card this year just doing that

[El Diablo Blanco]

The platinum is nice when traveling through airports that have the Centurion lounges.  You get free drinks and food while you wait for your flights.

[oldtimer1]

I've had an AMEX for over 35 years. My wife pays the bill. You're saying you get reward points for using the card? She never told me. I spend about 10K on the card a year.  How much money is that in points? If it's a lot she has some splaining to do.

[IroNat]

I've had an AMEX for over 35 years. My wife pays the bill. You're saying you get reward points for using the card? She never told me. I spend about 10K on the card a year.  How much money is that in points? If it's a lot she has some splaining to do.

"Lucy...'splain!"

[Rambone]

"Lucy...'splain!"

Lol!!

[Hypertrophy]

"Lucy...'splain!"

Classic- hahaha

[IroNat]

Well, i was apprehensive about the 250 dollar annual fee but by simply making all of my purchases and paying my bills , i have over 104000 points and ive saved about 1300 dollars this year.  So, ive decided to go ahead and upgrade it since they have a 150k offer along with now having to travel more for work and things. I do think the 695 annual fee is outragous but if i have to travel, i want to do it as effectively and comfortably as possible...along with saving money.
 Honestly when i was a kid, i thought American Express cards were for glaciers only and not for us colored folks. 

Good for you, Vince.

You will lead your fellow coloreds out of bondage to financial freedom.

[oldtimer1]

"Lucy...'splain!"

Well, I am Cuban.

[Humble Narcissist]

Its a charge card, balance has to be paid in full every month.  I dont believe in credit cards

Why would you use one with an annual fee? I have an AMEX as well and got the offer for the platinum card. No thanks.

[G_Thang]

Credit Cards are for saps.

Dork.  I haven't paid for a flight/hotel package since 2009.  It's all AMEX points. All my gifts are AMEX cards purchased with points.

I met a guy at a convention a couple of years ago who took his family on 2 vacations a year on points.  If I remember he had a company that manufactured toothpicks.

I believe there are some VISA cards with better reward systems though.

[loco]

Free money, tax free, with no annual fee.

Citi Custom Cash Card Review: Low-Maintenance 5% Cash Back - NerdWallet
With the Citi Custom Cash Card, your bonus cash back is automatically adjusted based on your spending in the card’s eligible bonus categories. This makes earning rewards less complicated and labor intensive than with competitors' cards.
https://www.nerdwallet.com/reviews/credit-cards/citi-custom-cash


Costco Visa Review: Bulked-Up Savings for Members - NerdWallet
The Costco Anywhere Visa Card by Citi can indeed be used anywhere, not just at Costco, and it offers impressive rewards, but redemption can be a hassle.
4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter.
3% cash back on restaurants and eligible travel purchases.
2% cash back on all other purchases from Costco and Costco.com.
https://www.nerdwallet.com/reviews/credit-cards/costco-anywhere-visa


Citi Double Cash Review: 2% on Everything Is Tough to Beat - NerdWallet
The  is a valuable workhorse among credit cards. With superior flat-rate cash back, it’s ideal for consumers who want to haul in low-hassle cash rewards on everything they charge. What it…
https://www.nerdwallet.com/reviews/credit-cards/citi-double-cash


Amazon Prime Rewards Review: Perhaps the Ultimate Store Card - NerdWallet
The Amazon Prime Rewards Visa can reward you handsomely and consistently for shopping at Amazon and Whole Foods — but you must be an Amazon Prime member.
5% Back at Amazon.com and Whole Foods Market with an eligible Prime membership*
2% Back at restaurants, gas stations, and drugstores
https://www.nerdwallet.com/reviews/credit-cards/amazon-prime-rewards

[Bevo]

I make all my purchases with this card only