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175K Amex Platinum points offer. Switch from CSR?
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Date: July 25th, 2025 9:22 AM Author: magical razzle corner indirect expression Sounds like Amex going to bump fee to $1K this fall. I can cop points and cancel next summer. Shrewd?
What is the cr CC now for mid-30s NYC professional? |
Date: July 25th, 2025 9:35 AM Author: Kink-friendly Nibblets Market They upped my gold yearly and I’m thinking of canceling. Sick of this shit. Been thinking of going platinum for 10 years but can’t justify a fuckin thousand dollars just for their scam points. My Chase sapphire gives you better points I feel like. I honestly just wait for them to have a Walmart or Home Depot 10% gift card deal and do that bc my wife buys shit. (http://www.autoadmit.com/thread.php?thread_id=5754472&forum_id=2E#49130108) |
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Date: July 25th, 2025 9:58 AM Author: ruddy talented toaster platinum only offers bonus points if you're buying hotels and flights through amex's portal, which is always way more expensive than booking direct. like so expensive the 10x points don't even make up for it most of the time. so the card is kind of SPS, except that the lounges are really nice. also there are big perks for booking from their fine hotels list, which are also expensive as shit. the card doesn't make sense for the average person. but if you fly a lot at airports with amex lounges and you regularly stay at $500+/night hotels, it's for you.
also i did this exact thing years ago when the bonus was 100k, plus there was some extra 10x points on grocery stores that i maxxxed out. i downgraded to gold before the renewal hit. it's a shrewd financial move if you don't renew it. 175k points is worth $1,750 minimum, so once the renewal hits you lose. |
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Date: July 25th, 2025 10:25 AM Author: Frozen orchestra pit philosopher-king Cr it really only makes sense if you're wealthy enough to go out of pocket (as opposed to redeeming points) on business class airfare and luxury hotels.
It's also 180 if your firm/employer lets you use your own personal card to make bookings for work travel, but I feel like most companies have tamped down on that. |
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Date: July 25th, 2025 10:27 AM Author: Kink-friendly Nibblets Market Last time I tried that my company nutted on me and turned me around and finished for a second time in my mouth (http://www.autoadmit.com/thread.php?thread_id=5754472&forum_id=2E#49130210) |
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Date: July 25th, 2025 10:31 AM Author: Frozen orchestra pit philosopher-king No points for you. Volume discount$ for the companies that overpay for corporate travel booking platforms that only exist because admins are too dumb/lazy to manage direct bookings and reimbursements. (http://www.autoadmit.com/thread.php?thread_id=5754472&forum_id=2E#49130216) |
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Date: July 25th, 2025 11:25 AM Author: ruddy talented toaster yeah the second case would be very 180, basically copping free luxury vacations on your employer's dime. (http://www.autoadmit.com/thread.php?thread_id=5754472&forum_id=2E#49130330) |
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Date: July 25th, 2025 11:50 AM Author: Frozen orchestra pit philosopher-king I was at a firm that allowed this in the 2010s, and point redemption rates were shockingly low compared to today. Flew first or business to Caribbean, Europe, Asia, pretty much wherever I wanted. Reward cards ruined everything by fueling poinTTTflation. (http://www.autoadmit.com/thread.php?thread_id=5754472&forum_id=2E#49130400) |
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Date: July 25th, 2025 12:13 PM Author: ruddy talented toaster you paid taxes on that "income", right? (http://www.autoadmit.com/thread.php?thread_id=5754472&forum_id=2E#49130451) |
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Date: July 25th, 2025 12:14 PM Author: Frozen orchestra pit philosopher-king Yeah (http://www.autoadmit.com/thread.php?thread_id=5754472&forum_id=2E#49130454) |
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Date: July 25th, 2025 3:33 PM Author: fuchsia cocky death wish This used to be a normal perk (http://www.autoadmit.com/thread.php?thread_id=5754472&forum_id=2E#49130903) |
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Date: July 25th, 2025 4:50 PM Author: ruddy talented toaster the problem is the amex portal gouges you, so no responsible company would allow you to book through them. and any really big company these days has their own airline and hotel arrangement. (http://www.autoadmit.com/thread.php?thread_id=5754472&forum_id=2E#49131112) |
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Date: July 25th, 2025 12:32 PM Author: Lascivious Carnelian Lay In the mid-2010s, the Citi Prestige card had this insane benefit where you'd get a fourth night free (statement credit) at any hotel you stayed at. I would frequently book 4 night stays for work (sometimes switching hotels after 4 days if it was a longer trip), pay with my Prestige card, get reimbursed by the firm, and then get the value of the 4th night sent back to me by Citi. Literally made like thousands of dollars doing this.
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Date: July 25th, 2025 3:11 PM Author: Wonderful talking field personal credit line Holy shit. (http://www.autoadmit.com/thread.php?thread_id=5754472&forum_id=2E#49130811) |
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Date: July 25th, 2025 3:34 PM Author: fuchsia cocky death wish Thousands of dollars paid in hotel rooms tp (http://www.autoadmit.com/thread.php?thread_id=5754472&forum_id=2E#49130910) |
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Date: July 25th, 2025 4:53 PM Author: Light queen of the night dilemma i'm grandfathered in for this benefit. it's capped to 2x per year. you have to book through thankyou.com which sometimes isn't the best price. but i spend it at hotels where it's at least 2k/night so it's still great. i don't think it's a statement credit. they just charge you the 3 nights and cover the 4th. they don't cover taxes though. (http://www.autoadmit.com/thread.php?thread_id=5754472&forum_id=2E#49131121) |
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Date: July 25th, 2025 7:39 PM Author: Lascivious Carnelian Lay yeah, that might have been how it worked re statement credit. this was in like 2015 so beginning to get hazy to remember.
i do remember a big difference was that you didn't have to use thankyou.com, you could call their "concierge" who could book anything even if it wasn't available on the website. at some point they nerfed that and moved it to a 2x a year limit (it was unlimited before which must have just been setting money on fire with flyertalk autists abusing the benefit).
at the same time this card also had this insanely lucrative free golf benefit. i dont even golf, but i remember golfmos talking about how it allowed them to golf for free at PGA-rated courses. they got rid of that pretty quickly. |
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Date: July 25th, 2025 12:24 PM Author: Wonderful talking field personal credit line I don't have either CSR or Amex Platinum. If you generally stick to 1 or 2 hotel chains and maybe a specific airline then you're better off getting their top CC instead of a general card. I have the United Club and Marriott Brilliant. The former gives me access to United lounges and Brilliant has PP lounges. Therefore, I have no need to have another card with lounge access. Sure, I don't get Centurion lounges but that's not the end of the world.
The 175k offer means that you'll have to bother to get the card, get the offer, then cancel/downgrade or keep paying the $1k fee. |
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Date: July 25th, 2025 12:29 PM Author: Lascivious Carnelian Lay take the offer but only keep it for a year unless you find the perks are worth it. it's a shit card for actually earning points so only worth having if you use a lot of the benefits like lounge access. (http://www.autoadmit.com/thread.php?thread_id=5754472&forum_id=2E#49130494) |
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Date: July 25th, 2025 3:18 PM Author: Electric police squad Cr (http://www.autoadmit.com/thread.php?thread_id=5754472&forum_id=2E#49130834) |
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Date: July 25th, 2025 3:23 PM Author: Wonderful talking field personal credit line Just remember that this is apparently a once in a lifetime thing and that once you take advantage of it you won't be able to do it again. (http://www.autoadmit.com/thread.php?thread_id=5754472&forum_id=2E#49130845) |
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Date: July 25th, 2025 3:28 PM Author: Electric police squad Virtually risk free if you know you can meet the spending requirement to get the bonus, and cancel the card after a year. (http://www.autoadmit.com/thread.php?thread_id=5754472&forum_id=2E#49130866) |
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Date: July 25th, 2025 3:29 PM Author: Wonderful talking field personal credit line True. The only reason I haven't done it is because I'll forget to cancel it. (http://www.autoadmit.com/thread.php?thread_id=5754472&forum_id=2E#49130870) |
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Date: July 25th, 2025 3:47 PM Author: thriller buck-toothed private investor Focus the energy put towards this prole credit card maxing towards something productive. (http://www.autoadmit.com/thread.php?thread_id=5754472&forum_id=2E#49130961) |
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Date: July 25th, 2025 4:28 PM Author: Haunting Spectacular Codepig When are they editing the perks of Amex Plat? CSR just got nerfed into a glorified coupon book (http://www.autoadmit.com/thread.php?thread_id=5754472&forum_id=2E#49131063) |
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Date: July 25th, 2025 4:31 PM Author: ruddy talented toaster plat is the same, a bunch of stupid coupons ($50 every six months at saks!) plus 10x points on flights and hotels booked through amex at a silly markup. amex lounges are pretty sick though (if you can get in). (http://www.autoadmit.com/thread.php?thread_id=5754472&forum_id=2E#49131072) |
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Date: July 25th, 2025 4:33 PM Author: Kink-friendly Nibblets Market Food free at lounges? (http://www.autoadmit.com/thread.php?thread_id=5754472&forum_id=2E#49131077) |
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Date: July 25th, 2025 4:33 PM Author: ruddy talented toaster yeah and it's actually decent. good cocktails too, nice bathrooms. they're way, way better than the typical priority pass lounge.
i gave up the plat because i don't fly enough and i never book hotels. but i sure miss the lounges. i would intentionally look for longer layovers at airports with amex lounges. |
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Date: July 26th, 2025 3:29 PM Author: magical razzle corner indirect expression Upgrade this fall. Rumor is annual fee is going to $1K. (http://www.autoadmit.com/thread.php?thread_id=5754472&forum_id=2E#49132976) |
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Date: July 25th, 2025 4:35 PM Author: charismatic area volcanic crater Gemini card is free and you earn BTC. (http://www.autoadmit.com/thread.php?thread_id=5754472&forum_id=2E#49131080) |
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Date: July 25th, 2025 4:52 PM Author: Wonderful talking field personal credit line That's ok for a free cash back card. But that's not what CSR and Amex Platinum is competing with. You get elite cards for the perks (lounge access, maybe elite status with certain airlines/hotel brands, etc.). (http://www.autoadmit.com/thread.php?thread_id=5754472&forum_id=2E#49131118) |
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Date: July 25th, 2025 4:57 PM Author: Light queen of the night dilemma i got it because it's free but it's pretty shitty. the categories are capped i think. i'm hoping the coinbase one is uncapped. if it's uncapped then i'll probably shift a lot of spending to that one instead of the 2% cash back. (http://www.autoadmit.com/thread.php?thread_id=5754472&forum_id=2E#49131127) |
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Date: July 26th, 2025 8:45 PM Author: Wonderful talking field personal credit line Holy shit, that's worse than I thought. "All qualifying purchases under the 4% back category earn 4% back on up to $300 in spend per month (then 1% thereafter in that month). Spend cycle will refresh on the 1st of each calendar month." (http://www.autoadmit.com/thread.php?thread_id=5754472&forum_id=2E#49133532) |
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Date: July 26th, 2025 8:46 PM Author: Charcoal motley point how much is it in $ the pts (http://www.autoadmit.com/thread.php?thread_id=5754472&forum_id=2E#49133533) |
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Date: July 26th, 2025 8:48 PM Author: Wonderful talking field personal credit line $1750. Points for all of these are generally worth around 1 cent. (http://www.autoadmit.com/thread.php?thread_id=5754472&forum_id=2E#49133539) |
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Date: July 27th, 2025 11:08 AM Author: magical razzle corner indirect expression Decided cr approach is get the Amex Platinum for a year and downgrade Chase from Reserve to Preferred. Next year I'll switch to Capital One Venture X and keep the CSP. (http://www.autoadmit.com/thread.php?thread_id=5754472&forum_id=2E#49134456) |
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Date: July 27th, 2025 11:10 AM Author: Coral Self-centered Quadroon Kill all lawyers (http://www.autoadmit.com/thread.php?thread_id=5754472&forum_id=2E#49134459) |
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Date: July 27th, 2025 12:58 PM Author: magical razzle corner indirect expression Not a lawyer :) (http://www.autoadmit.com/thread.php?thread_id=5754472&forum_id=2E#49134722) |