Is American Express gold worth keeping after you spend all the bonus points?
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Thread created 10-08-2012 by The-Alchemist
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Amex Gold is crap. If you are going to keep Amex, either upgrade to the Premium Rewards Gold card or downgrade to the Zinc. With the PRG, you get much better point earnings, and with the Zinc, you...
Is American Express gold worth keeping after you spend all the bonus points?
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Thread created 10-08-2012 by The-Alchemist
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Zinc is a charge card, so no.
You can upgrade/downgrade between Zinc, Green, Gold, PRG, Platinum, and technically Centurion without issue, since they are all the same category of card. In fact,...
Is American Express gold worth keeping after you spend all the bonus points?
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Thread created 10-08-2012 by The-Alchemist
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Very true. My Amex PRG is actually still valid for use (just for looks though) even though I already product changed it to a Zync...
Is American Express gold worth keeping after you spend all the bonus points?
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Thread created 10-08-2012 by The-Alchemist
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To downgrade to Zinc will they have to cancel my card and make me do another credit app or will they just downgrade me?
Is American Express gold worth keeping after you spend all the bonus points?
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Thread created 10-08-2012 by The-Alchemist
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I just called and they wont downgrade me from gold premier rewards to zync.. they said it was a different card line or something :/
Is American Express gold worth keeping after you spend all the bonus points?
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Thread created 10-08-2012 by The-Alchemist
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Sorry, but that's simply incorrect and, in fact, exactly what I did.
Is American Express gold worth keeping after you spend all the bonus points?
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Thread created 10-08-2012 by The-Alchemist
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Yeah just call and ask for cancellation. Emphasize like "I really wouldn't like to cancel but the $XX annual fee is a bit too high.. etc"
They offered me the product change to a Zync like it was...
Is American Express gold worth keeping after you spend all the bonus points?
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Thread created 10-08-2012 by The-Alchemist
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On a related note, if I cancel my charge card account which I've had since the 90s after first opening a Amex Cosco credit card account, will my credit report still show the 'length of credit...
Is American Express gold worth keeping after you spend all the bonus points?
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Thread created 10-08-2012 by The-Alchemist
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i'm not paying an annual fee and it's still accruing the points for rewards. i don't use the card much and only spent around 450$ on it last month and received a little over 200 points. not quite...
Is American Express gold worth keeping after you spend all the bonus points?
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Thread created 10-08-2012 by The-Alchemist
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While I'm familiar with the Optima card by name, I'm not with it's benefits. Is it even worth keeping? Aren't there better Amex Credit Cards that are worth converting to?
Is American Express gold worth keeping after you spend all the bonus points?
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Thread created 10-08-2012 by The-Alchemist
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Okey dokey.
Same account nos.
But oh well, no big deal.
Reports on FT of some others getting the same downgrade.
but enough of my thread jacking.
Is American Express gold worth keeping after you spend all the bonus points?
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Thread created 10-08-2012 by The-Alchemist
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optima? :dontknow:
Is American Express gold worth keeping after you spend all the bonus points?
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Thread created 10-08-2012 by The-Alchemist
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My wife and I were both downgraded from Premier Gold cards to Blue cash cards previously.
Then we both got gold cards again. About time to convert or cancel again.
Is American Express gold worth keeping after you spend all the bonus points?
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Thread created 10-08-2012 by The-Alchemist
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Keep it. The only time I've ever seen an Optima in the wild anymore was at Costco, at that was just once. Thought it was some kind of business card at first.
Granted I've only seen an Amex Blue...
Is American Express gold worth keeping after you spend all the bonus points?
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Thread created 10-08-2012 by The-Alchemist
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PRG/gold is worth keeping if you have the spend in bonus categories, or spend enough to meet the bonus "thresholds" whose value far exceed the annual fee. Additionally, the best redemption for AMEX...
Is American Express gold worth keeping after you spend all the bonus points?
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Thread created 10-08-2012 by The-Alchemist
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Yes and no. The "length of credit history", as far as how long they have information for you, will probably still reflect how old that account was. The account itself will remain on your report for...
Is American Express gold worth keeping after you spend all the bonus points?
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Thread created 10-08-2012 by The-Alchemist
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:lol:
Not anymore: http://creditcardforum.com/blog/american-express-optima-card/
Is American Express gold worth keeping after you spend all the bonus points?
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Thread created 10-08-2012 by The-Alchemist
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:scratch: i still have my optima plat...wonder how long before i'm kicked out/converted. :D
Is American Express gold worth keeping after you spend all the bonus points?
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Thread created 10-08-2012 by The-Alchemist
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I'm afraid you are either incorrect or were mislead. It's a known fact that trying to change chargecredit is not possible. They are two different types of accounts. The only way to go from Gold (or...
Is American Express gold worth keeping after you spend all the bonus points?
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Thread created 10-08-2012 by The-Alchemist
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double points on gas? get 5% with penfed.
Is American Express gold worth keeping after you spend all the bonus points?
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Thread created 10-08-2012 by The-Alchemist
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As I said earlier, you can not "downgrade" or "convert" a charge card to a credit card. Period. So the only way that you could have gone from PRG to Blue Cash was to close out the PRG account and...
Is American Express gold worth keeping after you spend all the bonus points?
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Thread created 10-08-2012 by The-Alchemist
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IMHO, the Amex Reward program is woefully inadequate compared to competitors. Don't get me wrong, I think Amex excels in many areas. They have great customer service, excellent benefits, and have...
Is American Express gold worth keeping after you spend all the bonus points?
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Thread created 10-08-2012 by The-Alchemist
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I called the general questions department. Going to call cancel department today.
Is American Express gold worth keeping after you spend all the bonus points?
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Thread created 10-08-2012 by The-Alchemist
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23 Replies
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It costs 150 a year to hold onto and comes with some nice things along with great customer service. However, I have spent all my points and from my understanding you only get a bonus of 15k points a...
