Bank Feature Summaries

Comparing the Benefits of Different Flavors of AmEx Platinum Cards

AmEx Platinum has several flavors. Their sign-up bonuses are independent, so you can get each one of them. The benefits are basically the same, but with a few differences. This post summarize the comparisons between all these flavors. Here are the links to the reviews of all these cards: AmEx Platinum regular version AmEx Platinum for Mercedes-Benz (Discontinued) AmEx Platinum…
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$3,587 Saved In 15 Months with Amex Offers

Introduction From decreasing the cost of everyday purchases like groceries and cell phone bills to Hacking the Cost of an Engagement Ring, Amex Offers provide one of the most lucrative opportunities in the credit card churning game. The opportunity is so lucrative that earnings can rival signup bonuses as the best return on credit card spend. This post summarizes how I…
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Amex PRG-Platinum Upgrade/Downgrade? Get the Travel Credit Twice!

Introduction I recently received an offer for 60,000 Membership Rewards (MR) points after spending $5,000 by upgrading my Amex Premier Rewards Gold (PRG) to an Amex Platinum. The offer was received via email with the subject line “Congratulations [NAME], Get Exciting Benefits When You Upgrade to the Platinum Card!” Of course I accepted the offer. The best part amount Amex upgrade offers…
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Introduction to Amex Offers (2018.1 Update: No Longer Able To Add Offers via Twitter/Facebook!)

2018.1 Update: Now AmEx stopped the option to add AmEx Offers via Twitter/Facebook, and in the future all AmEx Offers must be added via AmEx website. Then all third party AmEx cards will no longer be able to use AmEx Offers. HT: DoC. Introduction Amex Offers is a very lucrative discount program for Amex cardholders that provides bonus Membership Rewards (MR)…
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If I Obtained an AmEx Card by Product Changing, Am I Still Eligible for the Sign-Up Bonus?

It is well known that, AmEx has a “once per lifetime” policy for its sign-up bonuses. The exact term is: “Welcome bonus offer not available to applicants who have or have had this product.” But if you dig deep in the credit card game, you should know the concept that: the most important thing is now what the term says;…
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New Chase Application Rule: Auto-Decline for Any New Sapphire Product If You Currently Hold One

UPDATE: According to DoC, in addition to the changes posted below, cardholders now also have to wait 24 months from getting the signup bonus on a Sapphire product before getting another signup bonus on an additional Sapphire product. This clock starts once the bonus is issued. Additionally, there will be no changes to current cardholders with multiple Sapphire products. According…
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Don’t Like the New Amex Account Design? Here’s The Link To A (Very) Old Design!

These days, banks are constantly changing their online account design. The intent is good of course: they want users to have better experiences. However, sometimes new designs are worse. Yesterday (2017.06.12), AmEx changed its design again. I feel that the new design is mainly for mobile users. If you visit on your computer/laptop, the information density is very low. Besides, it’s not…
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Churning the 100k Amex Hilton Upgrade Offer! [2017.5 Update: Third Upgrade Success!]

Update 2017.5.30: I just chatted with an Amex rep and my third upgrade round for 100,000 Hilton points is pending! Hopefully the points will post today so I can try to downgrade and upgrade one more time before the offer expires on May 31. If you haven’t upgraded yet and are eligible via the link below, now is the time! Introduction American Express…
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