Why You Should Turn off Pay Over Time and an Easy Way To Earn 20,000 Membership Rewards

American Express offers two different types of card - regular credit cards we are all very familiar with and the no pre-set spending limit cards.

A Review of the American Express Gold Card

If I had to choose just one card to use for all of my points earnings, I am fairly confident that I would choose the American Express® Gold Card. There’s a lot of compelling reasons why I’d choose the Amex Gold over others.

This workhorse has some of the best earning rates on common spending categories, along with good usable credits.

American Express Adds More Temporary Credits

Since the start of the pandemic, American Express has been quite proactive in adding non-travel benefits to its impressive lineup of credit cards. We’ve seen streaming services, shipping and dining credits, and more in 2020.

But for customers who still aren’t traveling much and aren’t taking advantage of all the travel-related benefits offered by the cards in their portfolio in 2021, Amex wants to make sure you still have a reason to use their products for your everyday spending.

How to Book Cheap Domestic Awards – SkyTeam Alliance

In this three-part series, we are looking at the basics of the cheapest domestic awards. This encompasses frequent flyer programs spanning all three alliances:

Oneworld – British Airways, Iberia, and American AirlinesStar Alliance – Avianca, Turkish Airlines, and UnitedSkyTeam – Air France/KLM and Delta (this post)

SkyTeam is one of the smaller airline alliances but that doesn't mean there aren't good options to book domestic awards.

In this article, we'll look at how we can use Air France/KLM Flying Blue and Korean Air SKYPASS programs to book domestic award flights on SkyTeam's U.S. based partner Delta Airlines.

Product Changing From An Expensive Annual Fee Card

The Chase Sapphire Reserve, the Citi Prestige, and the Amex Platinum card are premium credit cards with huge benefits and huge annual fees to match: $450.

The first year, these are fantastic cards. The second year, the value is less certain. We'll look at canceling and downgrading options in this post.

The First Year

Many people are scared off by that annual fee, which makes sense at a superficial level. We all got interested in miles and points to save money, not spend it. I was afraid of premium cards when I first jumped in the game.

EXPIRES TOMORROW: 75,000 Bonus Membership Rewards for American Express Platinum

This limited time offer EXPIRES TOMORROW June 22, 2016. Apply today to qualify for the 75,000 Membership Reward bonus! 

Through June 22, 2016, there is a publicly available offer for 75,000 bonus Membership Rewards after spending $3,000 on the Platinum Card from American Express Exclusively for Mercedes-Benz. Despite the name, the card is available to everyone, not just Mercedes-Benz customers.

I value those points at about $1,500.

Membership Rewards transfer to around 20 hotel and airline programs including Delta, Singapore, and British Airways.

The card has a $475 annual fee in the first year.

100k Membership Rewards for $3k Spending with American Express Platinum

As of 7:30 AM ET on August 28, what's working is calling American Express and asking to apply by phone. If they ask for the offer code:


Hat Tip: Graydon

There is a publicly available offer for 100,000 bonus Membership Rewards after spending $3,000 on the American Express Platinum. I value those points at about $2,000.

Mercedes-Benz Platinum Card from American Express Dead?

Researching another post, I tried to include a link to the Platinum Card from American Express Exclusively for Mercedes-Benz because it was the best personal sign up bonus for Membership Rewards at 50,000 Membership Rewards for spending $3k in three months.

If the Mercedes-Benz version of the card is dead, then the best Platinum card offers is the standard offer of 25,000 Membership Rewards after spending $2k in three months.

Sure there is a $450 annual fee--the Mercedes card had a $475 annual fee--but you can get easily more than $500 in statement credits plus worldwide airport lounge

Free Giveaway Friday, Delta Surcharge Relief, & Platinum Card non-News

1. Your Platinum Card's Membership Rewards will drop in value for Pay With Points redemptions on February 15, 2013 from 1.25 cents to 1 cent. This is pretty close to not being newsworthy, since Pay With Points is a bad deal at 1.25 cents. I'd rather transfer to Avios, Hawaiian Airlines, or even top off a Delta account before buying a cash ticket with Membership Rewards.

The Points Guy reports that you can call AMEX to cancel your Platinum card until December 30 at 800-525-3355 and receive a prorated refund of the $450 annual fee.