Two noob questions:

1. I have a corporate green Amex, a personal platinum one, and have the opportunity to apply to a gold personal Amex with 60k sign on bonus. The fee is 250 minus 100 statement fee. It seems like a no brainer since the 120$ Uber credit statement should be additive to the platinum one, so the card pays by itself
2. Is October a good time to apply or should I wait? Not sure if you pay per calendar year or every 12 months cause I opened the platinum in Jan

Thanks!

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Definitely worth attempting to apply and get the gold SUB. It’s not the largest out there (currently see 90k via referrals but it has no statement credit. Also worth noting it has grub hub credits that are use it/lose it (like Uber credits) that actually makes the card truly free if used.

Now for the bad news.

Amex quite literally just started adding language to the gold card applications that prevents an individual from getting a SUB if they have a more premium card already (Plat). You can go gold->plat and get both subs, but not plat->gold. Please be aware of this change and it likely impacting you since you already have a plat. You’ll receive a pop up if you’re not eligible prompting you to not submit app or submit anyways before the hard pull on your credit.

^this. Try for 90k.

Its every 12 months the fee

Subs?

Sign up bonus. Points awarded for using the card enough in the first few months. Typically a fast pass to points

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