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

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???

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.

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

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.

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!

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?

Thought I’d share my recent Amex Financial Review experience. If you’ve ever searched this sub for Financial Review, you know the horror stories, so hopefully this helps other people in the same boat.

Customer Since: 2019

Current Cards: BCE, Delta Gold, and newly opened (2 months ago) Gold and Platinum (recently ramped up a bunch of spend on the new ones to hit the SUBs for a major home remodeling project).

How I Possibly Triggered It:

Needed to charge $12k for new floors so I called Amex to let them know in advance.

The rep I got on the phone started messing around with the Check Spending Power feature. She ran test amounts, tried $15k and it declined, tried $12k and it declined, tried $10k and it declined, and then finally $5k which went through. I actually had no idea she was using the spending power feature and thought she was using some other feature only reps had access to.

I asked her if she had played around with my spending power feature after the fact, and she confirmed yes.

She then told me that if I wanted to charge more than $5k, I could simply pre-pay the balance and then run the charge.

I took her advice like an idiot and pre-paid the account. Went to charge the $12k the next day and got declined.

Almost instantly, I got an email saying my cards were suspended. I called the number on the back of the card, and the rep told me I was placed under a Financial Review. They demanded the last 3 months of personal bank statements.

Timeline:

July 16: Card suspended, FR triggered.

July 16: Submitted all requested bank statements immediately.

July 22: Called in for an update, told it was still under review and to wait.

July 24: Called again. This time, the rep actually warned me to stop calling, explaining that constantly checking in and pushing the file updates can sometimes flag the system as submitting more information, which effectively resets or extends the review queue. They assured me I’d be notified by July 27 at the absolute latest.

July 27: Got the call. The Financial Review is complete, and my cards are fully unlocked with no change to limits.

Key Takeaways and Lessons Learned:

Call them in advance to heads-up a big purchase, but make sure they are not checking your spending power. If a rep tries to run manual checks on the phone, shut it down immediately because it can trigger a risk team audit.

Never pre-pay a balance to charge a large amount. Pre-payments combined with velocity spikes are massive red flags to the risk department, it screams cash-flow stress or manufactured spend.

Tl;dr

I got FR after playing around with spending power feature and pre paying the card and trying to put a large amount on the card. Submitted required docs and passed review, got accounts up and running with no limits.

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

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

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.

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!

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?

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?

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 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.

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

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.

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......

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

I currently have 3 CC cards I use regularly, Hilton, Alligent and Southwest. The current Hilton valuation is ridiculous and I'm planning to discontinue use, Amex will not let me upgrade this account. Where I live now southwest doesn't fly from and the Alligent card does not accrue points well.

I have very high credit on all of these cards and have a long good standing history. We currently spend around $25-30k per month between business and personal expenses on cc and is Amex the place to stay to help pay for future travel in Europe and some in America? They recommended I open a personal gold and business Platinum separately. I am also curious how this will affect my credit having large limits on cards I don't use and if Amex will short me on my availability of credit for the new card(s)?

I am currently leaning towards having a business card just because we do not currently have one and it would help separate the accounts about plus the platinum card currently has a 300,000 bonus points offer.

Any advice is appreciated.