Must be an Amex shill. Every bank vigilant due to (actually enforced) laws requiring them to be. CAP1 credited my gf for fraud charges after 4 days of a claim.
Yeah, if only. I have to use my Chase freedom unlimited at Costco for gas/groceries. It's good to have Visa/MasterCard along with Amex just in case it's not accepted.
My gold card is probably going to sit for a few months as my freedom flex card is currently giving me 7x dinning & 5x groceries. Compared to the 4x from amex
My AmEx blue cash pays 6% on groceries but has a $95 annual fee. But depending on how long you have the card you can get a $75 curtesy refund by calling an saying you want to cancel.
I cancelled the plat card after having it for many, many years. Pre-covid the card was actually travel focused, lounges were not overcrowed and the card had some good perks for the much lower-than-today fee. Post-Covid, its a glorified coupon book, it barely tries to give a crap about travel, and even if you use enough benefits to "beat" the fee, its not worth my time or effort.
You always speak from the perspective of an average person. You consider that $8,000 may be a lot of spend over a 6-month period for most people. Thank you for not losing sight of the average person through your success!
Biggest problem, higher annual fees than every competitor with questionable credits to offset them. Second biggest, creators that tell the audience it's easy to use your monthly, quarterly, semi- annual, and annual benefits to justify the high fee
AMEX indeed has higher spending requirements to get the sign up bonus. But they also give you more time to reach that requirement. Many issuers only give you 3 months to hit the target.
Not always. Wells Fargo and citi double cash are both 6 months off the top of my head. Doesn’t change the fact that inherently they’re much more expensive (spend to bonus ratio).
With respect to the "once per lifetime thing"; It's likely that AMEX is internally storing your info (SSN, BD, ext.) and have a digital profile on you linked to every card you've ever had with them. So it probably has nothing to do with the lifecycle of the credit reports.
What I love about amex is that they generally soft pull after you get your first card, AND they don't seem to care about how many new cards you've gotten recently. So they are a great (if not only) ecosystem to exhaust if you want to move very aggressively.
Lol I don't get why Amex has a prestigious image, it's one of the most liberal card issuers provided you have a half decent credit score. You don't need to play these 5/24 games with them, they simply don't care at all.
They still seem to draw in the more affluent community. Despite its ease to obtain, you NEVER see their cards in the hood. My neighborhood varies significantly by region and the types of cards you see used store by store are set like a pattern
Thanks for being impartial. Most credit card RUclipsrs simp over AMEX cards so much, like they are perfect, and have no downsides. Im not saying they are bad for everyone, but personally, i could not justify paying hundreds of dollars for an annual fee on a credit card.
Just returned from a trip to Hong Kong and ran into this same issue. I was already prepared for it, so it wasn’t a shock. But I wanted to test it out and try to use my AMEX Gold multiple times - but it wasn’t accepted. My Chase Sapphire Preferred ended up being my main card for the entire trip.
@@newagain9964 Ha. Valid question. This was the second country outside of the US where I wasn’t able to use AMEX😖 i’ll still travel with my Platinum for lounge access, and when on business trips my Delta Reserve for flights/prtections, etc. but for day-to-day spend - i’m sticking with a Visa/MasterCard all day long.
It's crazy how in Europe I experience that Amex not being accepted, but in Countries like Japan, it's widely accepted. Also, in NYC Chinatown which is notorious for Cash only, I have found some restaurants that Only accept Amex or Cash. What a turn of tables!
Probably too much card fraud in NYC, Amex charges a higher fees so there's no reason to pick visa or mastercard at least at the same time. You only accept Amex to either to keep to a particular customer group or your contract with the other cards was terminated because of some violation like charging a card fee on your bills (contractually, no store or restaurant can charge card users more vs a cash card).
Im perfectly happy with my Amex BCP. Its enough of a flex for me just that it is such a pretty looking card even if its not the most "premium" card. But it makes sense for me over the BCE because i actually spend enough on groceries. The gold and platinum dont align with my spending and cashback/points usage so they dont make sense for me. I wouldnt feel like i was flexing with those cards. Id just feel like an idiot 😂
If you owe them they will send debt collectors to your door take you to court freeze your assets in your account n t And help themselves to what you have I have paid them with debt collectors zwicker and associates and even though they are paid they still put my account in holding they are not good
It is an overpriced coupon book that is more of a status symbol with great lounges. You even have rules on how you can use your coupons and the order you can get the cards to get the welcome bonuses. The card is for very high spenders but it is honestly more of a card to flex witb
No complimentary guest access to the centurion lounges unless 75K spent on the card. With a hefty annual fee that is going up, they should at least add that back in. Imagine having this card for its great lounges, but your standing in line to get in and eventually never get in because your flights boarding lol.
My first points/miles card was an Amex gold card. Funny enough it was for the “status” because I’ve always wanted one. However, I’d say I’ve benefited from it through the sign up bonus plus the amount of food I buy. It’s a very sensible card for me to have. But with so many places not accepting Amex cards, I went out and got a Venture X (which has since become my primary spending card). My renewal fee was due this past month for the Amex card and I debated not renewing the card due to the venture X being superior and accepted more places, but ultimately decided to keep my Amex card
It’s about going up the ladder for MR points. If you skip the green/gold and go straight for the Platinum, you won’t be eligible for the other SUBs. I think it’s in the Amex language. You gotta start from green then gold then platinum. I think I saw there was a 175K offer from the 150K offer but it’s vanished.
Just came back from Australia (Brisbane, Sydney, & Gold Coast) & there were several merchants that didn’t accept Amex. It’s not too bad tho, lots of bars, clubs, and restaurants overall still accepted my gold card and racked lots of points! Even in super rural areas!
To be fair it depends on where you travel, Europe is very challenging and most restaurants will not accept it due to the fees. In Latin America you can get even 2 dollars for bread on the card, because the payment terminals are different
It is all about customer service, the insurance, and benefits. We travel with the Platinum card, we are covered and feel if we need help of any kind, we call.
Only reason why I have AMEX Plat is cuz I’m active military. Waived Fee and been living overseas which allows me travel a lot and utilize things like the lounge frequently
My Chase Preferred card is heavier than my other cards. They must be putting graphite in the plastic mix. Honestly...I can't imagine who would be impressed by that.
Amex once per lifetime rule actually isn’t true - it’s case by case, but I’m on my second gold card SUB in 4 years, cancelled my original gold card 2.5 years ago.
Hate pop-up jail - the real pain is no clear instruction on how to get out of it. The Internet has so many ppl posts on overcoming it, but everyone's situation is slightly different. It just makes you keep trying until you give up.
Hi John! I love your videos! I am finally learning about points for travel instead of just using cash back. How do you actually go about finding these flights? I personally use capital one and am having so much trouble finding any flights even just as an example
The Platinum doesn’t make sense to 75% of the people who have it. Good point on the charge cards vs the credit cards. My FICO skyrocketed after getting the AMEX Hilton cards. I do disagree about spending for points. We all spend money, so make it count. AMEX Platinum 1X vs 3X to 4X on other cards is throwing money away.
So the first issue... it's not an inherent American Express issue, that's a person issue. American Express can't do anything about it. #3 seems nit picky... people should know the difference between a credit card and a charge card.
It’s not tbh, it just tells the world you’re able to spend 250k+ dollars a year. Unless you earn twice as much and/or have a high net worth (7 figures), then it’s not much of a flex.
@@noebazan1999stop gaslighting. I’m not an Amex fan, but centurion is mos def a flex…but not every where. Such as store Clerks and what not don’t care about cards.
South Africa 🇿🇦 and Kuwait 🇰🇼 Takes AMEX… but a lot of places I been definitely don’t.. I use the Capital One Venture X as my backup for my back up use all card.
I was debating between the Gold or Platinum card, now that I know once you start with the platinum you won't be eligible for the gold. Bonus so I will start witht the gold Thank you. However how long will I have to wait to have a chance to get the platinum amax welcome bonus after I've received the gold bonus.
Your math is wrong with regards to the spend requirements for bonus. Capital One $4000 in 3 mo equates to $1333/mo whereas Amex $8000 in 6mo equates $1333/mo. Also Amex points are more valuable.
I mean it is a flex though. Just because you don’t think it that way doesn’t mean everyone agrees with you. Most amex cards are charge cards not credit card like chase, which means you have to pay it off all your balance month whereas other credit companies lets you go with it. There’s many more reasons why amex is a flex card
@beastwithredpill Hi! In DR, there are several payment processors that handle payment on behalf of the credit card companies, however 3 of them own by far the biggest slice of the pie. Out of those 3 only one (Azul) accepts AMEX (but many of the small ones do accept it as well). So, you are right, in the more affluent and touristic areas (like Punta Cana) you’ll probably won’t have an issue when paying with your AMEX. However you may be pleasantly surprised to find that even in a restaurant in a small remote town your AMEX has a high probability of being accepted.
Ya not at all. I used to have Amex when I was a broke student with no regular income and now get rejected when I’m making way more money and have more than 800 credit scores haha
5/24 should be updated to 3/12 and be based more if/how much balance u carrying. it’s not crazy or risky to get 6 in 24 mos certainly if u carry little to no balance on cards.
I was denied with mid-700s credit for a run-of-the-mill chase card. AmEx approved me. I like AmEx because it does not count towards credit utilization.
@@jayk1701 Yea I found out now, I tried that at first but I was trying to book too close to the date of my trip so nothing was available. Amex is always available up until just weeks before the trip. But with Venture X I would need to plan like months in advance, which is okay. I'll probably cancel the AMEX when my renew date comes up.
Hey, the amex card is having a 90k points when spending 6k in the first 6 months, but i don’t spend that much on groceries, but i do spend around that much elsewhere, can i use it to buy all my other things ? Or what is the 1% eligible purchases
Would buying gift cards (let’s say for Walmart or Sam’s club) from a Neighborhood Walmart, still give me 4X points on the AmEx Gold? Those are part of my daily spending habits but I know that buying directly from Walmart or Sam’s foes not give points.
Question, you mentioned that there is a one life time offer for American Express platinum or gold. Two years ago I applied for the American Express platinum and got my welcome bonus for that card. This year I applied for the American Express gold card for the 90k point welcomed offer and I was approved and accepted for this bonus. A little confused why your saying they only offer one lifetime bonus offer when I was accepted for both. I guess this is not the norm for everyone?
Here is the blurb from Amex, they give you a chance to see if you qualify for the 2ed sign up bonus before you accept to sign up for the card. “If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.”
AMEX protects their customers so any funny business they GO AFTER the merchant and don’t play so YEAH I’m AMEX all day since I’ve had issues with other cards
I apply for AE they said I was approve , but then said We did not receive your acceptance of the card Your application was withdrawn What does this mean I did not receive and other letters or paper work from them Thanks
Im in popup jail for the aspire which is really annoying 😂I put 5-10k of spend on my gold and platinum every month and they are they only Amex cards I have so I have 0 idea why I am ineligible for the bonus
I was in pop jail when applying for the Schwab AmexPlat - and accidentally clicked to continue anyway. I didn’t want it without the bonus, so I cancelled the card. But I still had it, for an hour. Since I didn’t get the bonus though, could I still possibly get it in the future?
please adjust your Mic boost / bass setting / by- pass swicth.... your voice pop's , too much bass and not natural sounding . please. great info channel.
So I already have a quicksilver capital one that I’ve had since last may, should I switch to Amex? Or stick with capital one and get a Savor one and also the venture x? Also I like the Robinhood gold for the cash back 3% but I do see a lot of people saying they’ll slash that at some point within the year
I put about 100-120k spend on my Amex card every year and it provides me with tons of benefits! I fly buisness class all the time with the points. Amex Plat and Gold are keepers!
Yeah my man's got his boxers in a bunch for sure. 😂😂😂😅😅😅 Think he's just having a rough day he'll come around by Monday and be singing the Platinum tunes again
If you get an Amex platinum for clout and don’t know how to use the statement credits and bonus points you’re just being irresponsible. That’s not a downside to the card, in my opinion, it’s just the consumer not doing their research. That’s just my own opinion though, I do my research for every card I have gotten.
![Twenty One Pilots - “The Line” (from Arcane Season 2) [Official Music Video]](http://i.ytimg.com/vi/E2Rj2gQAyPA/mqdefault.jpg)
![[Full Guide] How to Climb the American Express Ladder in 2024](/img/1.gif)
I only like AMEX because, if I have a questionable charge...they are like pitbulls handling the situation.
Their customer service is the best!
One of the main reasons I love them!
FACTS! compared to chase good lord lol
That’s it? Every card does that. I got venture X, the preferred and the Platinum. They have all been the same for me with handling situations
Must be an Amex shill. Every bank vigilant due to (actually enforced) laws requiring them to be.
CAP1 credited my gf for fraud charges after 4 days of a claim.
If only Costco accept Amex back…
Lol that made me speed up my process to get an amex, they told me my credit cards don’t work and only accept amex. 😮
Yeah, if only. I have to use my Chase freedom unlimited at Costco for gas/groceries.
It's good to have Visa/MasterCard along with Amex just in case it's not accepted.
My gold card is probably going to sit for a few months as my freedom flex card is currently giving me 7x dinning & 5x groceries. Compared to the 4x from amex
My AmEx blue cash pays 6% on groceries but has a $95 annual fee. But depending on how long you have the card you can get a $75 curtesy refund by calling an saying you want to cancel.
I cancelled the plat card after having it for many, many years.
Pre-covid the card was actually travel focused, lounges were not overcrowed and the card had some good perks for the much lower-than-today fee.
Post-Covid, its a glorified coupon book, it barely tries to give a crap about travel, and even if you use enough benefits to "beat" the fee, its not worth my time or effort.
You always speak from the perspective of an average person. You consider that $8,000 may be a lot of spend over a 6-month period for most people. Thank you for not losing sight of the average person through your success!
Yes, we don't accept Amex to pay for our 0.50 USD noodle in Bangkok Thailand street cart
The fee for the transaction will be more than the meal cost
Amex: we have no FTF
Me: Yeah, you have no foreign transactions
Same with Discover 😂 Sure, if you can find someone overseas to take the card, it's free!
@@cptbob100 you live in The Philippines?
@@benchoflemons398 No, Filipino-American 🇺🇲
😂
I've used my amex overseas all the time. Lots of places took it.
Biggest problem, higher annual fees than every competitor with questionable credits to offset them.
Second biggest, creators that tell the audience it's easy to use your monthly, quarterly, semi- annual, and annual benefits to justify the high fee
The second biggest seems like grifting lol. Amex is trash.
Those credits are nonsense. These creators push amex so much
AMEX indeed has higher spending requirements to get the sign up bonus. But they also give you more time to reach that requirement. Many issuers only give you 3 months to hit the target.
Not always. Wells Fargo and citi double cash are both 6 months off the top of my head.
Doesn’t change the fact that inherently they’re much more expensive (spend to bonus ratio).
With respect to the "once per lifetime thing"; It's likely that AMEX is internally storing your info (SSN, BD, ext.) and have a digital profile on you linked to every card you've ever had with them. So it probably has nothing to do with the lifecycle of the credit reports.
I fully agree with you,
The most frtustating thing is using it outside the USA, where Visa or MC are widely accepted and fees are better.
Cheers
My how times have changed. Over the last few years almost every "influencer" has peddled these cards as the height of necessity.
10/10 I would still get all of these cards, and recommend the right one to the right people
What I love about amex is that they generally soft pull after you get your first card, AND they don't seem to care about how many new cards you've gotten recently. So they are a great (if not only) ecosystem to exhaust if you want to move very aggressively.
Lol I don't get why Amex has a prestigious image, it's one of the most liberal card issuers provided you have a half decent credit score. You don't need to play these 5/24 games with them, they simply don't care at all.
They still seem to draw in the more affluent community. Despite its ease to obtain, you NEVER see their cards in the hood. My neighborhood varies significantly by region and the types of cards you see used store by store are set like a pattern
The image may have been true before 90s. Esp in 50s-80s. Now they’re cookie cutter and desperate to grow annually
Thanks for being impartial. Most credit card RUclipsrs simp over AMEX cards so much, like they are perfect, and have no downsides. Im not saying they are bad for everyone, but personally, i could not justify paying hundreds of dollars for an annual fee on a credit card.
Blue cash everyday have no Annual fee..
@@motorcycleartist Correct, but most of the time, they are pushing the Platinum or the Gold
Just returned from a trip to Hong Kong and ran into this same issue. I was already prepared for it, so it wasn’t a shock. But I wanted to test it out and try to use my AMEX Gold multiple times - but it wasn’t accepted. My Chase Sapphire Preferred ended up being my main card for the entire trip.
Why even take an Amex outside of USA? 😂
@@newagain9964 Ha. Valid question. This was the second country outside of the US where I wasn’t able to use AMEX😖 i’ll still travel with my Platinum for lounge access, and when on business trips my Delta Reserve for flights/prtections, etc. but for day-to-day spend - i’m sticking with a Visa/MasterCard all day long.
@@newagain9964that’s the big question lmfao
It's crazy how in Europe I experience that Amex not being accepted, but in Countries like Japan, it's widely accepted.
Also, in NYC Chinatown which is notorious for Cash only, I have found some restaurants that Only accept Amex or Cash. What a turn of tables!
Fine by me I only travel to Japan cause that’s literally the only foreign country I like
Which NYC Chinatown? The Manhattan one
Probably too much card fraud in NYC, Amex charges a higher fees so there's no reason to pick visa or mastercard at least at the same time. You only accept Amex to either to keep to a particular customer group or your contract with the other cards was terminated because of some violation like charging a card fee on your bills (contractually, no store or restaurant can charge card users more vs a cash card).
@@randomaccount9212 yeah the Manhattan one. I saw signs at Nom Wah Tea Parlor, Shanghai 21, etc
🤔Surrreee. Chinatown only takes Amex. 😂. Y’all silly.
Wow really great video!!!!!! Probably the only one talking about these negatives!
He lost me when he said pay for your friend funiture. To much trust, people be taking for ever to pay back.
Im perfectly happy with my Amex BCP. Its enough of a flex for me just that it is such a pretty looking card even if its not the most "premium" card. But it makes sense for me over the BCE because i actually spend enough on groceries. The gold and platinum dont align with my spending and cashback/points usage so they dont make sense for me. I wouldnt feel like i was flexing with those cards. Id just feel like an idiot 😂
Thank you for your honesty
You don’t need an American Express at all. Don’t fall for their tricks and confusion. Don’t accommodate your life for them.
If you owe them they will send debt collectors to your door take you to court freeze your assets in your account n t
And help themselves to what you have I have paid them with debt collectors zwicker and associates and even though they are paid they still put my account in holding they are not good
It is an overpriced coupon book that is more of a status symbol with great lounges. You even have rules on how you can use your coupons and the order you can get the cards to get the welcome bonuses.
The card is for very high spenders but it is honestly more of a card to flex witb
No complimentary guest access to the centurion lounges unless 75K spent on the card. With a hefty annual fee that is going up, they should at least add that back in. Imagine having this card for its great lounges, but your standing in line to get in and eventually never get in because your flights boarding lol.
the whole order of cards and lifetime bonus words makes me back away from Amex. I want the cards I want. And instead a 24-48mo no bonus would be fair.
Would the best idea be to start with the Amex Green before going Gold and then Platinum?
Best way to stack bonuses, but if you get greedy and close too early you will be put in popup jail
Technichally, Yes, but make sure you can adequately use the Green's multipliers before applying
My first points/miles card was an Amex gold card. Funny enough it was for the “status” because I’ve always wanted one. However, I’d say I’ve benefited from it through the sign up bonus plus the amount of food I buy. It’s a very sensible card for me to have. But with so many places not accepting Amex cards, I went out and got a Venture X (which has since become my primary spending card). My renewal fee was due this past month for the Amex card and I debated not renewing the card due to the venture X being superior and accepted more places, but ultimately decided to keep my Amex card
I think Capital One and US Bank are good regional banks with good travel cards and accounts.
Capital one is national. And NOT a good bank. But does have its uses.
@@newagain9964 Well, what would you recommend?
No Costco
Costco doesn’t even accept mastercard😅
I got bonuses on both AE cards last month. Applied for AE Plat and AE gold in that order and got both bonuses.
I've never heard of "Gift of College" gift cards. Useful idea.
City and Barclays have really weird policies and reject applications and calling reconsideration line is waste of time.
dont you get the green or blue amex first before even getting the gold?
It’s about going up the ladder for MR points. If you skip the green/gold and go straight for the Platinum, you won’t be eligible for the other SUBs. I think it’s in the Amex language. You gotta start from green then gold then platinum. I think I saw there was a 175K offer from the 150K offer but it’s vanished.
Basically. Start with lowest fee card in each “family” and work way up so u don’t get locked out.
Just came back from Australia (Brisbane, Sydney, & Gold Coast) & there were several merchants that didn’t accept Amex. It’s not too bad tho, lots of bars, clubs, and restaurants overall still accepted my gold card and racked lots of points! Even in super rural areas!
To be fair it depends on where you travel, Europe is very challenging and most restaurants will not accept it due to the fees. In Latin America you can get even 2 dollars for bread on the card, because the payment terminals are different
It is all about customer service, the insurance, and benefits.
We travel with the Platinum card, we are covered and feel if we need help of any kind, we call.
Only reason why I have AMEX Plat is cuz I’m active military. Waived Fee and been living overseas which allows me travel a lot and utilize things like the lounge frequently
My Chase Preferred card is heavier than my other cards. They must be putting graphite in the plastic mix. Honestly...I can't imagine who would be impressed by that.
9:38 You forgot to suggest using the card to pay your taxes, to reach the min spend, in your entire explanation, here.
Amex once per lifetime rule actually isn’t true - it’s case by case, but I’m on my second gold card SUB in 4 years, cancelled my original gold card 2.5 years ago.
I have two business gold cards, cancelled them both after a couple years due to frustrations with purchasing power and annual fees
You know in Thailand, AMEX Plat costs $1100 a year its insane.
Hate pop-up jail - the real pain is no clear instruction on how to get out of it. The Internet has so many ppl posts on overcoming it, but everyone's situation is slightly different. It just makes you keep trying until you give up.
I've had the everyday blue for over 10 years.
Hi John! I love your videos! I am finally learning about points for travel instead of just using cash back. How do you actually go about finding these flights? I personally use capital one and am having so much trouble finding any flights even just as an example
Especially right now, gold amex with some of the SUB incentives you could be getting 10-15x on dining.
The Platinum doesn’t make sense to 75% of the people who have it. Good point on the charge cards vs the credit cards. My FICO skyrocketed after getting the AMEX Hilton cards. I do disagree about spending for points. We all spend money, so make it count. AMEX Platinum 1X vs 3X to 4X on other cards is throwing money away.
So the first issue... it's not an inherent American Express issue, that's a person issue. American Express can't do anything about it. #3 seems nit picky... people should know the difference between a credit card and a charge card.
In Israel Amex is accepted in most places.
I thought the black card was a flex?😳🤔🤷🏽♂️
It’s not tbh, it just tells the world you’re able to spend 250k+ dollars a year. Unless you earn twice as much and/or have a high net worth (7 figures), then it’s not much of a flex.
@@noebazan1999stop gaslighting. I’m not an Amex fan, but centurion is mos def a flex…but not every where. Such as store Clerks and what not don’t care about cards.
@@noebazan1999ive heard from multiple creators that its not +250k a year, but its actually +250k a month
South Africa 🇿🇦 and Kuwait 🇰🇼 Takes AMEX… but a lot of places I been definitely don’t.. I use the Capital One Venture X as my backup for my back up use all card.
Why even bother using Amex outside of an American or luxury local hotels? Why even use Amex outside USA?
Just in time for the platinum new all time SUB of 175k, wonder if the AF will go up as well.
I was debating between the Gold or Platinum card, now that I know once you start with the platinum you won't be eligible for the gold. Bonus so I will start witht the gold Thank you. However how long will I have to wait to have a chance to get the platinum amax welcome bonus after I've received the gold bonus.
I will still take any American Express card over any chase card because of the service American Express is giving!!
I want the BCE & BBP… that’s about it for now on my credit card road map/wish list.
You never said if you got a bonus for the Schwab bonus.
You one of those guys you hate?
Your math is wrong with regards to the spend requirements for bonus. Capital One $4000 in 3 mo equates to $1333/mo whereas Amex $8000 in 6mo equates $1333/mo. Also Amex points are more valuable.
I mean it is a flex though. Just because you don’t think it that way doesn’t mean everyone agrees with you. Most amex cards are charge cards not credit card like chase, which means you have to pay it off all your balance month whereas other credit companies lets you go with it. There’s many more reasons why amex is a flex card
Using a debt instrument to flex is not a flex.
I am from Brazil and ove here Amex is accepted just like Master and Visa . Europe is a problem !
Quando fui para o Brasil, havia lugares onde eu não podia usar AMEX
💡Probably about 80% of businesses don’t take Amex in most countries outside USA. Even if they have capability to!
@beastwithredpill Hi! In DR, there are several payment processors that handle payment on behalf of the credit card companies, however 3 of them own by far the biggest slice of the pie. Out of those 3 only one (Azul) accepts AMEX (but many of the small ones do accept it as well). So, you are right, in the more affluent and touristic areas (like Punta Cana) you’ll probably won’t have an issue when paying with your AMEX. However you may be pleasantly surprised to find that even in a restaurant in a small remote town your AMEX has a high probability of being accepted.
@@newagain9964 not in Brazil.
@@heisferdy really? When Have u been here ? What cities Did u go to?
Don't spend too much time in Asia & expect to be able to easily use your AMEX cards.
Thanks for the video. Can you do a video how exist of the Pop jail?
Ya not at all. I used to have Amex when I was a broke student with no regular income and now get rejected when I’m making way more money and have more than 800 credit scores haha
Chase is the worst they denied you even with 800 scores
5/24 should be updated to 3/12 and be based more if/how much balance u carrying. it’s not crazy or risky to get 6 in 24 mos certainly if u carry little to no balance on cards.
Really depends on your relationship with them. Lower scores can get in or get the CSR. Just need to have a good relationship with them
@@JV_ApexPerpetualu know Chase still denies tens of thousands every yr even if u have CSR and 800 score and been no problem to them for years, right??
@@newagain9964 it’s YMWV for everyone. But there’s several DPs online with Chase and their approval process. 5/24 and everything.
I was denied with mid-700s credit for a run-of-the-mill chase card. AmEx approved me. I like AmEx because it does not count towards credit utilization.
Just got the targeted 150k for platinum but that 8k spending in 6 months is what has been putting me off
You could do it, at least they give you 6 months. Do you own a business?
I'm in AMEX personal card pop-up jail. Not business, but personal only. I can only get an SUB with business cards.
What about good things? No fee in Europe? Settle payment on big purchases, rewards and etc..
He hit #1 right on the head.👏🏽👏🏽👏🏽
TBQH ANA is the only reason I have Amex, if Capital One decides to partner up with ANA I'd dump it in a heartbeat.
You can transfer your capital one points to Aeroplan and book ANA through there. That’s how I booked my Japan trip. Hope that helps.
@@jayk1701 Yea I found out now, I tried that at first but I was trying to book too close to the date of my trip so nothing was available. Amex is always available up until just weeks before the trip. But with Venture X I would need to plan like months in advance, which is okay. I'll probably cancel the AMEX when my renew date comes up.
is staying below 30% credit utilization more important than getting to the minium spend threshold to get the points from a sign on bonus?
Amex has the best sign up bonuses right now
No
Thanks!
I've literally never been anywhere where Amex wasn't accepted.
Costco...
Thinking about getting the platinum only because of the concert pre sales
He, why do I have to listen to you for over 17 minutes to know the ...6 problems with Amex...?
you dont ....just click the cross right top 🤣
Hey, the amex card is having a 90k points when spending 6k in the first 6 months, but i don’t spend that much on groceries, but i do spend around that much elsewhere, can i use it to buy all my other things ? Or what is the 1% eligible purchases
Would buying gift cards (let’s say for Walmart or Sam’s club) from a Neighborhood Walmart, still give me 4X points on the AmEx Gold? Those are part of my daily spending habits but I know that buying directly from Walmart or Sam’s foes not give points.
Question, you mentioned that there is a one life time offer for American Express platinum or gold. Two years ago I applied for the American Express platinum and got my welcome bonus for that card. This year I applied for the American Express gold card for the 90k point welcomed offer and I was approved and accepted for this bonus. A little confused why your saying they only offer one lifetime bonus offer when I was accepted for both. I guess this is not the norm for everyone?
Here is the blurb from Amex, they give you a chance to see if you qualify for the 2ed sign up bonus before you accept to sign up for the card.
“If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.”
They also throw words like “you may qualify for a sign up bonus”.
AMEX protects their customers so any funny business they GO AFTER the merchant and don’t play so YEAH I’m AMEX all day since I’ve had issues with other cards
I apply for AE they said I was approve , but then said
We did not receive your acceptance of the card
Your application was withdrawn
What does this mean I did not receive and other letters or paper work from them
Thanks
Amex Green>Gold>Platinum the way to get max points
So lifetime bonus what about retention bonuses? Don’t they give you a bonus to stay(albeit small but still)
QUESTION: where do I buy a “gift of college gift card”?
Im in popup jail for the aspire which is really annoying 😂I put 5-10k of spend on my gold and platinum every month and they are they only Amex cards I have so I have 0 idea why I am ineligible for the bonus
Wow. PUJ for credit card when u only have 2 charge. I haven’t bothered applying for a 3rd cc. Kinda over Amex already after not even a year.
I was in pop jail when applying for the Schwab AmexPlat - and accidentally clicked to continue anyway. I didn’t want it without the bonus, so I cancelled the card. But I still had it, for an hour. Since I didn’t get the bonus though, could I still possibly get it in the future?
Not unless Amex changes rules in future. No bonus for u.
Amex waives the fees for active duty military…. Definitely not a status of making a lot of money by having a card.
4k for 3 month = 8k for 6 month. 1,33k per month
please adjust your Mic boost / bass setting / by- pass swicth.... your voice pop's , too much bass and not natural sounding . please. great info channel.
amex green? can you drop a vid on that pls?
So I already have a quicksilver capital one that I’ve had since last may, should I switch to Amex? Or stick with capital one and get a Savor one and also the venture x? Also I like the Robinhood gold for the cash back 3% but I do see a lot of people saying they’ll slash that at some point within the year
I hate to love AMEX...and love to hate AMEX.
Need chapters!
Can you make a video about how to get a US Amex if you are not a US citizen, Becouse European Amex benefits suck.
And then you will be flagged for a final review and they will freeze your account’s unannounced 😮
Wake up, people who can, get the premium cards for status, not to get stuff. Poor people want free stuff
I got 175k points offer😅!
When did you apply?
@ChantaviaBurton I did not. But I saw this this offer twice on thursday or Friday in incognito mode.
I put about 100-120k spend on my Amex card every year and it provides me with tons of benefits! I fly buisness class all the time with the points. Amex Plat and Gold are keepers!
This is immature but first
You are correct. You’re a loser.
At least you acknowledge it
Yeah my man's got his boxers in a bunch for sure. 😂😂😂😅😅😅 Think he's just having a rough day he'll come around by Monday and be singing the Platinum tunes again
Cringe
I think most people are just waiting to inherit their dead parents money/property.
Fax. Many have parents with assets. I don’t. But oh well. Sux tho when they beat chest and boast how they come from “nothing”.
If you get an Amex platinum for clout and don’t know how to use the statement credits and bonus points you’re just being irresponsible. That’s not a downside to the card, in my opinion, it’s just the consumer not doing their research. That’s just my own opinion though, I do my research for every card I have gotten.
I use my gold for every work dinner and venmo request people😂
So is amex target affluent households or cheap households? I cant tell by this comment.
Visa master just more useful
Ouuuuuu these young millennials gonna be mad at you they throw there Amex platty everywhere ranking up in debt flexing for Social media 😅😅