Joining McK. Currently picking out my corporate card. Amex Platinum/Gold require me to pay my own yearly fee but they obviously have better perks like airline lounge access, and points. Is it worth it? Are the points I accumulate mine? Will I have them when and if I leave the firm?

likefunny
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AMEX Platinum: Just saying thanks to all the tips y’all share in here. I was able to get a $500 statement credit (other option was 50K pts). Just call and ask to be transfer to retention services and explain politely that the annual fee isn’t justified due to COVID and lack of work travel! I also cancelled my Clear membership and got that pro rated refund too (or keep it and get 2 months free).

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I had 60 day late payment of 35 bucks in Jan. It was new Amex Hilton card I opened for stupid points. It was reported and my credit score had been consistently dropping from last 6 months. It was 780 and now is 735. I realized this 3 months and been paying my credit card bills immediately. Infact I have overpaid each card to have negative balance so my credit utilization is almost zero. What else I can do to repair the damage. I am applying for homeloan and this is big issue to get best rate

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Did any of you get credit on your Amex Corp card like the one below? My roommate and I got this credit, but for different amounts. Not sure what it’s about :/ not complaining. Just checking

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Woke up at 4am with an interesting question. How much money (range) on average does travel points (miles, hotel, Amex, expensed meals) add to our salary if you travel 80% of the year?

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I’m going to use my (crap) corporate AmEx to expense my $234 Spectrum cable bill. “Working from home” requires 10+ hours a day of high speed Internet. Come at me, finance.

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I have CSR, Amex Plat, Amex Gold, and Amex Bonvoy ($95 fee one). Are they worth keeping, esp. CSR and Plat? For Amex Gold, they have already charged my account. Anyway to reduce the fee after the fact?

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Anyone else get annoyed by the 2-3 days it takes Marriott to post points to your account? Like Delta is almost instant and when you transfer amex points its instant. Why does Marriott take so long...?

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How many of you are thinking about closing your premium credit cards (CSR, Amex Platinum etc) considering lack of ability to travel and dine out?

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Looking into AMEX credit cards since the Chase Sapphire Reserve upped their fee and the additional “benefits” suck. What card is better, Gold or Platinum? Not sure which ones to get

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Got charged with delinquency fees on my AMEX for not submitting expenses. How can I get out of this? $700 charge.

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Thoughts/experiences on AMEX Gold...? Recommend or nah?

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Should you ever spend Amex or a Chase points on anything besides transfers to airline partners?

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I somehow have a -$7.84 balance on my AMEX after leaving the company. Any way to get this paid out lol

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Not sure if this is the right bowl but has anyone tried to get a fee waiver for their Amex or Chase cards, since we aren’t really using the cards (i.e lounge access, travel insurance etc)

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How is Diners Club still in business and why on earth would my firm choose them instead of Amex?!?!?

likefunny
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Just woke up and will miss 6am✈️ any help rescheduling? AMEX? Delta? Don’t want to pay the fee, client budget?

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I'll be joining the consulting world very soon and am thinking about getting a new personal credit card. My meal expenses are per diem so I'm thinking about the AmEx Gold card as it has 4x points on dining. I was wondering if anyone had any suggestions on personal cards for consultants and how to go about my corporate card as well! TIA

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Tell me I am not alone in extreme procrastination for filing expenses...this recent spiral caught up to me and now my Amex card is disabled 🙄 whoops.

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FYI: if you have an Amex corporate card and a personal Amex Platinum or Gold card, you can get a $150 (plat) or $100 (gold) annual statement credit. Works for both cards if you have both!

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Anyone has the Amex gold card? Was hoping to get opinions on if you like the card or not ( 250 annual fee + 35k points when u spend 4k)

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So I used Amex plat to buy a flight to Peru. My flight got canceled due to the virus, can I use the flight cancellation insurance the card provides to get my money back?

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CONFIRMED: delta gift card partial airfare loophole works for amex platinum $200 credit. Note: not the old trick where you just buy a giftcard, details below.

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Would you rather have 5x amex MR points or 3x chase UR points for each dollar spent on flights? Why? Company let's me book flights on personal cards and trying to decide which to choose.

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Got 200k Amex points to transfer - any suggestions? Can do 1:1 on Delta or 1:1.4 on Marriott. Any other ideas?

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Miles / points balances: Are you carrying large balances? What’s your mitigation plan to move those balances in case of further devaluations? I’ve always been an earn & burn guy, but leaning towards cashing a lot of them out (or transferring them to linked accounts to “cash” out). E.g.- moving Marriott points to AMEX member rewards.

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Do you guys think having the Chase Sapphire Reserve or AMEX Platinum is still worth the $550 annual fee?

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What are people’s thoughts on the best way to redeem Amex points right now? I’m leaving the firm in a couple of weeks and have 180k points to blow

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When you get a rental car, what do you do to make sure you don’t get taken advantage of for some bogus issue/scratch that’s already on the car? Take pic/video before, tell the checkout person of any issues (although this can be hard especially if at a smaller airport & you get the keys in the airport and there’s no gate when you leave), buy the rental insurance? If you have a card that covers rental cars (CSR, Amex Hilton) do you decline rental insurance and use the card benefits?

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Chase Sapphire or Amex Platinum/Gold?

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I have 300,000 Amex points. What is the best way getting good value to spend them?

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Iyo, what’s the best way to maximize value from AMEX points. Was going to use 30k for $300 gc to staples for a new iPad. Is that a waste?

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Best AMEX points redemption right now?

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Any recommendations on credit cards before I start in a couple months? Leaning towards Amex since I’m anticipating being aligned with Delta, and the corporate cards are Amex as well but I’d love some feedback on which cards folks thought were worth the AFs

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How do you guys use your AmEx points?

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About to drop a chunk of change at Tiffany & Co. Advice on cards offering bonus points? Already checked AmEx and Chase UR. Thank you!

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Best travel credit card with no foreign transaction fees? Wanting it for Europe. I already have Amex and discover but not sure how accepted they’ll be

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Those with Amex Plat. What are you using your $200 travel credit on?

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I pay to earn the AMEX points on my corporate card. My “membership” ends in September. Is it worth renewing for $55 to keep the points and continue to earn - not knowing when I will travel again and break even / “profit” from this? It’s also only $55 so I feel like might be worth to spend so I don’t need to cash out on my accumulated points. For reference: I don’t have a personal AMEX, only corporate

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Has anyone have luck getting out of their annual membership fee for their Amex Delta Platinum Card? Seems unlikely since it provides an annual free companion pass ( that I never get to use) but I thought I’d ask.

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Article on the economics of the CSR. Nothing particularly mind blowing, but still interestinghttps://amp-businessinsider-com.cdn.ampproject.org/c/s/amp.businessinsider.com/why-travel-rewards-credit-cards-are-still-profitable-for-banks-2017-3.

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Chase sapphire reserved vs the chase Marriott credit card? Is it worth having both?

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likefunny
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any jpm folks here familiar with Chase Capital and what they exactly do??

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Does requesting a higher limit on your credit card improve your credit score presuming you don't change your spending habits?

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What is best conversion on CSR UR points folks have seen? Both in terms of statement credit or otherwise? Trying to understand.

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likesmarthelpful
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