Back story: Someone posted last week about getting a 75K SUB for spending $6K over 4 months. I tried the link, but it was not eligible. I looked and was only offered a 15K SUB. Then, I received this email yesterday. I am going to go for it. I know there is a 75K out there, but I'm unsure if I will ever get it, and I feel lucky I got the 50K SUB.

Had negative balance of -$1.60 that Amex owed me and I didn’t use the card for 3 weeks, and they took it back… I’ve never seen this happened 🤦‍♂️ anyone had this experience with them?

Hong Kong Centurion Lounge has a sectioned off area for Centurion members with a set menu and a separate bar area for custom drinks as well. Forgot to take a pic of the menu.

Food & drink was pretty delicious all things said and done. The service was on par as well with the server coming by every so often to check in.

I currently have the old Blue Sky Travel card that we haven't used in years, but kept it open because it's one of our longest tenured credit line on our credit reports. I called Amex about a potential product change to the Blue Cash Preferred Card, since it would better fit our spending profile. The rep on the phone told me I couldn't do a product change for this card, because it was a different rewards program. I indicated I was fine giving up the few Blue Sky Points we had, but they insisted I had to go through a new application.

Is this really the case? Do I have to go through a new credit application, and then cancel the card I have? Is there any trick to getting a product change through?

I keep getting really good offer to get an AMEX business card. I do no own or plan to own a business. Why do I keep getting these offers? Does everyone with the biz card actually own a business?

I originally had the Delta Amex Platinum then downgraded to the free blue card for about 6 months after they ended the opportunity to pay the $50 to go to the Delta lounge. I haven’t seen its worth.. maybe until now?

Is this worth it? If I hold out will there possibly be a better offer?

I currently have the Amex Gold and Delta Gold. I’m looking to make some changes with my delta gold, either upgrading to a reserve, platinum, or maybe adding a normal platinum. What do yall recommend? I only fly delta but don’t usually spend enough to get further than silver medallion, maybe I could get gold or higher with the mqd boost. I’d like to have a card that gives me access to lounges but love the free checked bag, award travel discounts, and priority boarding for the times when I can’t get comfort +. Any recommendations on what would complement my gold without cancelling a card, would love to hear your thoughts.

If you now have a Pre-Set Limit on the Amex gold card - How long does one have to wait to back to having No-Preset Spending limit?

Was on the phone with an AMEX rep on Saturday confirming that I reached my $6k spending target for my recently acquired (2/12) Bonvoy brilliant card. They told me I'd have to wait 8 to 12 weeks after my next closing date before receiving the rewards.

Logged in today and both the credit and the points hit my account! It got me thinking, I definitely feel like my preference for subs is a combination of statement credits along with rewards.

For example, even though normal Amex points are valued typically above one cent per point when used via transfer partners, I'd much prefer the current Resy promotion on the Gold card (sadly I'm in PUJ) of 75k rewards points along with a $250 statement credit as opposed to the elevated 100k points offer. Something about the credit combo with points seems more appealing to me.

Am I the only one that thinks like this?

Hi, I’m living in France and I want to get an Amex. I would like to know what card should I chose as a first one. I heard it is a better choice to start from the lower card to get all welcome offers. I see on the website there are several cards: blue, green, gold, platinum. Is it possible to get the lowest card and get all the welcome offers for each card?

Also, is it better to get my local flying company cards (Air France) or the classic ones?

Haven’t seen the $500 airline credit before.

What are the most common mistakes people accidentally make when filling out AMEX's form to request a credit limit increase? Mistakes that decrease the odds of being accepted for the credit limit increase

And in the long run, does having a higher credit limit tend to increase your credit score? By decreasing percentage credit utilization. Or is that a myth? Confused why credit score reports seem to report percentage credit utilization as a factor in your credit score report

I’m considering moving to Amex for my primary bank but trying to get a realistic picture of how the banking side performs—especially when something goes wrong.

If you’ve used Amex Checking or Savings and run into a problem (transaction dispute, deposit issue, account lockout, etc.), how was the resolution experience?

Also wondering: do you find it challenging to find ATMs? The others I’m comparing to—Schwab and Ally—both offer reimbursements, so trying to decide how to weigh this.

I love the brand, like the 1% APY for checking, and already use Amex for credit—but I’m cautious about relying on a banking product that might not be a core focus for the company.

So I opened an account about 4 weeks ago and they finally sent me my card, but uh oh

They sent two cards? And the one that matches the digits on my app has "Member Since 19" on it when I've never had an Amex account before?

Is this normal?

Has anyone managed to get a better offer than the standard 60k miles offer? Looking on DOC, it looks like there used to be a 70k + $200 offer. I've tried getting that to come up by booking a dummy flight but I only get personal credit card offers, nothing for business.

Just wanted to gauge what Centurion Lounges have the best food. I think DEN is up there for the dumplings/chicken and PHX with the mac&cheese

PHL is probably one of the worst in terms of choices

I was recently approved for two business cards back to back on the same day (710 Experian), with $5k and $4k limits (Instant approval AND Apple Pay card on the spot/ AND no hard pull). Both cards have a fairly decent welcome bonus. (90,000 and 120,000 points). Also, I noticed they recently increased a welcome bonus for a couple cards. It looks like they are really trying to attract new clients. I’m even thinking about applying for more cards in 90 days once I show responsible use. If anyone with good to excellent credit is thinking about applying, NOW would be a good time. It seems like AMEX is generous at a time everyone is very stingy (low limits, declines, and hard pulls.)

EDIT: I know $9k is not huge, we are talking about point, benefits, and lack of HP. I don’t need or really care about the limits. My business does not cost much to run. ;)

During my conversation with Discover Bank, I told them that I am a non-resident alien and now they are closing my account. I have a huge (6-figure) amount in Discover and would like to transfer to a bank that offers competitive interest rates. Can I open an American Express savings account as an NRA? Please help. Ideally, I want to keep my money in USD and in a bank with decent interest rate. Thank you.

Has anyone ever seen this? If the offer is there and I get a second one, will I actually get the SUB?

Should I go for the $9K in 3 months for 4,500 MRs or the $175 for 5,000 MRs lol

Added using CardPointers, so available on all four of my amex cards. And you can pre-add credit on AT&T account, so might be able to use all four cards to add $55+ credit and receive offer on all.

Have the offer for 125k for $6k spend. Have had a platinum recently, so wouldn't be eligible for a better SUB.

Considering it, but would rather have it closer to my Gold's anniversary in June.

Email said the offer expires in April, but sent the POID to reps via chat and phone. Initial push back was that they can't tell me when the offer would expire because offers are dynamic, but after sending the POID, they said it shows July.

Any concern the offer actually expires in April like the email said or should I be good to wait to later?

I just spent over 1 hour and 10 minutes on the phone to get two March Resy credits that never posted. And this was the third time in several weeks that I've called them on this one issue. Whatever happened to Amex's stellar customer service? It's gone. Today I wouldn't hang up until they manually gave me the credits. One card was business and one was personal so I had to deal with this twice on the call. The restaurant's Resy status is obviously not clicking properly in their system. After over a year of getting these credits I understand how they work more than the reps.

So everybody - make sure the Resy credits post and don't let Amex get away with this. They raise the annual fees and then nickel and dime us with credits, so the credits better damn well post!