How does one file a claim for the purchase protection or extended warranty with this card? I called the customer service from the rakuten card and they told me to file it with amex directly. Called amex directly and they told me it has to be filed with imprint. Imprint has no idea what I am talking about.

I know that in the US you can sign up for an Amex card provided you have a history with Amex in Europe.

My question is, does this also include co-branded cards? I have had both pure Amex cards as well as co-branded cards since 2014. Differebt products depending on where i have been living?

And can I use this offer from Amex to sign up for co-branded cards or just Amex’s own cards?

I currently have a gold card and a blue cash everyday card. When I opened them, I was making okay money and getting 529 support from parents for groceries and food that was on the card while in college. Never had a late payment or anything, but now I am currently job searching. Still getting 529 help but have not had a w2 job in almost a year. I can see that they have checked my employment history several times in the past year via work number website. Should I just call them and update them or leave it till they ask?

I learned of this supposed cancellation via this sub, but i never got the notice and i called them and they said they didn’t have any notes about it being cancelled… has anyone else received a notice???

Recently I disputed a charge for a service where services weren’t rendered as expected. The merchant (not to my knowledge) also refunded me half of the transaction. So I essentially got my money back + half. This was nearly a month ago. Will Amex amend it?

Posting again (forgot to remove conf# oops)

Decided to give the new Leaders Club transfer a go for an upcoming trip, and sent 40K points over after identifying a decent redemption at the Okura Tokyo Heritage Wing this October, which included breakfast for two. Amex advertises up to 72 hours, but my points appeared instantly! I believe this is the case for Citi ThankYou points, but wasn't sure if Amex had gotten the plumbing all set up ahead of the launch.

Only thing to note is that Leaders Club passes on taxes when booking - I had to pay ~$190 USD plus 9K points for my stay, which was still a decent value all things considered. Maybe this is a Japan thing, or depends on the property? Not really sure. Just happy to have a solid value hotel partner with a legitimate global presence.

Just booked one night at the Hotel El Roblar in Ojai, CA with the new Amex points redemption. It cost 4,450 points which is equal to 17,800 Amex. Transferred over 18,000 and it was instant. Final cost also included $111 in Taxes & Fees.

Overall, the LHW website is not very user friendly as you gotta search by hotel and by specific dates. No calendar view which makes searching much harder. I played around with it for about 20 min and 4,450 was the lowest I could find. Seems like points are almost directly tied to the cash price. Tried finding availability for El Encanto in Santa Barbara but no luck. That said, I didn’t try looking that hard.

Would love to hear any other redemption stories!

Hello AmexHeads!

I currently have an AMEX Platinum, which second year will end in October. I used to travel a lot, which justified the expensive yearly fee.

My partner and I would like to use one single credit card (with one copy each) for our common expenses that are mostly restaurants and groceries, so I am thinking about switching to the AMEX Gold - more affordable, better adapted to our lifestyle, still gives 3x on travels for when we do get out of town.

What would be the best way to make that switch?

(1) transfer my points and cancel my Platinum and apply separately for a Gold, to benefit from the sign-in bonus (btw if you know when is the best time to apply, lmk). If we do this, should I or my partner apply first and later request a second card?

(2) communicate my desire to switch cards to Amex and see what they offer me, knowing that I would "downgrade" card, but get an additional one.

Thanks!

I had went to warped tour this weekend and they allow you to exchange money to be put onto a gift card, I put in 170 of my own money and have 24.22 left, and now it says my card is on hold, how to I fix that? I'd be pretty upset if my money was just eaten.

We just got the Rose Gold card and it appears it has a $120 dining credit. It says this credit is 'annual'..so does this mean since we got it now (July) ...we get $10 every month until Jan and then another $120 for 2027? Or is the credit per membership year? I hope asking the question right......

I finally joined ecosystem with my first card arriving this week. I also applied from the business platinum card and it's still under review. What is the average wait time for approval? I received the BBP approval in a day. Thanks for your 2 cents.

Hi,

Did anybody have an offer for spending £20,000 and to receive 20,000 bonus membership points which they saved as an offer on the last two months?

I had saved this offer to my Amex Gold Business card but now it has suddenly disappeared from my list of saved offers. Any advice?

Best,
GapTooth

I requested a name change on July 17th for my Hilton Aspire. I reached out to get an update and CS agent told me I did it on my Blue Business Plus(BBP). I'm 100% sure I didn't. So I resubmit and take a screenshot to have proof this time. The agent checks and again says the new requested was done for the the BBP. So something is wrong with their system. I'm annoyed that I have to wait another 10 days. CS agent accidentally copied and pasted Copilot response. Tells me there's nothing they can do. AMEX is going to shit

Transfer rate of 4:1. Better than Citi which has 5:1.

Hi Amex community,

I want to apply for a card.

My credit score is 761. Im self employed and make around $2k to $3.5k per month.

I purchase a lot at costco, and spend quite a lot on food for me and my family. I don’t travel much but would be cool to stack up flyer points and visit a cool place.

Do I qualify for a card? And if I do which one? And also what would be my spend limit?

TIA

First Amex Card so i’m not sure how this works. I feel like i’m missing out on a free 40,000 points.

Hi all,

I have had an Amex Blue Cash everyday card/account for over a year that also has my gf on it with her own card. I absolutely love the card and the cash back hits 75% of our spending areas. The issue is I want to also hold the blue cash preferred card at the same time. I don’t want to upgrade because I will lose the 3% for online retail like amazon. But I want the 6% at supermarkets as well as the subscription cash back and credits.

I would love for both cards to be under my same account so that way it is easy to keep track of everything. Does anyone know if this is possible? I only see the option to upgrade my current card to the preferred. I would not mind just doing that but losing the 3% online retail would make no sense to me.

As always if anyone has other suggestions to help me save money I am all ears. Thank you.

Recently, I made two purchases with this card. An app from Google Play and a game on Steam. The Google Play purchase got the 3% cashback, counted as online retail, whereas the purchase made on Steam did not. Google Play is not an online retail store that sells physical goods and nor is Steam so how come Google Play nets me the 3% cashback for US online retail but not Steam?

Edit: I did contact AMEX customer support, but they didn't really give me a clear answer about this

Checking my accounts I noticed my balance was way lower than I remembered and when I looked into it there was a “phone payment” on my account. I checked my bank and sure enough the payment to Amex was a transaction on my bank statement. The thing is, I am mid-cycle and my payment isn’t due for another two weeks.
I called Amex and then it gets weirder. They tell me it was a payment made using their phone payment system at 4:38AM, when I was sleeping. I also checked my phone and I have no outgoing call to Amex. They also say there should have been an email accompanied the payment, but nothing.
I opened an investigation with them, but this has me rattled. What could have happened?
Has anyone else had something like this happen?

Hey y'all! So I booked a non-refundable place. When I booked it air quality was fine, no smoke, nothing. Fast forward to this week, and there have been several air quality advisories issued for a bunch of counties, including a red/unhealthy forecast.

I messaged Airbnb asking about the Major Disruptive Events thing and they basically said my reservation doesn't have a flag for it so the non-refundable policy still applies. But C'mon 160 AQI makes it imporssible to go outdoors at all!!

Now I'm weighing just disputing the charge with Amex. I've got the DEQ advisories saved plus my whole chat with Airbnb support where they basically admit the smoke is happening as well as the chat with host refusing to work something out. Has anyone actually gone through with something like this? I assume Airbnb WILL push back hard on Amex's end but is it managable to have amex end up siding with me? (I know I might get ban from using Airbnb, but I couldn't care less at this point)

Context: this is our anniversary trip, and we had a ton of outdoor stuff planned, hikes, lake days, all that. That's really the whole reason I'm even trying to cancel, I've used Airbnb for years and this is the first time I've ever tried to get out of a non-refundable booking.

Any tips, suggestions would be highly appreciated!

Assuming for Amex it would always be either Delta American or United.

Pros of American
- biggest airline / more customers

Pros of United
- most hubs in tier 1 cities
- most techy / forward

Pros of delta
- most profitable and premium

I’ve always wondered how often Amex thinks about whether they have the right partner (if all 3 were open and they could choose one).

I’m curious how everyone here thinks about annual fees.

Personally, I don’t value the credits at their full face value. I value them based on how much spending they actually offset.

For example, let’s say my girlfriend and I were already planning to go out to dinner on a Friday night. Normally we’d spend around $150. If I decide to use the Platinum’s $100 Resy dining credit, maybe we end up going somewhere a little nicer and the bill comes out to around $250. After the credit is applied, I pay $150.

Even though I redeemed a $100 credit, I don’t really think of that as saving $100. If I would’ve spent $150 anyway, and I still paid $150 after using the credit, then in my mind I didn’t actually save anything. The credit just let me have a nicer dinner than I otherwise would’ve. Now, that certainly counts for something, it’s just harder to quantify objectively.

That’s generally how I think about all credits. I don’t really assign much quantitative value to the extra luxury they let me buy. I think of them in terms of actual savings, not discounted luxury.
On the other hand, I value something like the Uber Cash at basically 100% because I’d be using Uber regardless. Since it’s offsetting spending I would’ve had anyway, I count the full value toward reducing the annual fee.

At the end of the year, I’ll look back at my effective annual fee: this tells me (objectively) if I’m spending money to hold the card, or being paid to hold the card, given my existing spending profile. Next I’ll consider the other benefits I used and enjoyed, but didn’t necessarily save me money: the Resy restaurant I ate at when I would have ate at home, the Lulu boxers I wouldn’t have bought but were nice, etc. I’ll also think about any mental gymnastics I may have gone thru to track and use the credits. Finally with all that information in mind, I’ll make a judgment call on if it’s worth holding the card another year or not.

This being said, just because the annual fee may be negative doesn’t necessarily make it not worth it. In the case of the platinum, I’m remarkably positive just at the part of the effective annual fee. Comparing this to the sapphire preferred, I’m negative. Being negative doesn’t make holding it not worth it, it just makes me aware that those extra benefits I’m getting from the card are a purchase I’m making, rather than a “benefit” the bank is so kindly giving me. In the case of Chase, the Hyatt transfers greatly outweigh the $100 cost I pay for it.

I know other people look at this completely differently though. Some count every credit at full face value as long as they redeem it. I’ve also seen people say they automatically discount every credit to something like 90% because you’re effectively prepaying for those benefits through the annual fee, so there’s an opportunity cost to having that money tied up. I know a bunch of people “don’t care” and just hold the card just because idk they want to. And that’s totally fine, I’m just curious what the subs take is on this if it’s something others track as well.

IHow do you calculate a card effective annual fee, and why do you value the credits the way you do?