I also got the everyday card as my first AMEX but I was able to the Platinum card for the 75,000 point sign up bonus. So where it wasn't the 100k it was still more than the normal bonus.
My first AMEX card was Gold. Then I upgraded to Platinum with a bonus offer. It worked out great. I do agree that just start with Platinum. It's not hard to get and the strength of the card is good.
My first Amex card was the gold card, then I upgraded to PRG last year. Suddenly, I was inquisitive in the credit card system, so I was doing my own research by watching Sebby's and Credit Shifu's videos. You guys are awesome and thanks for providing these awesome card information. I got a Plat offer of 75k last month, so I got this instead of upgrading my PRG. Thus, I am holding two Amex cards. I was thinking of getting rid of PRG, but couldn't ignore the x2 MRP that I can use daily (Plus, $100 airline credit). Plus, I have Chase Sapphire Preferred, but I am getting rid of that soon - I am barely using it, lol. Instead, I will get a cashback card probably Uber Visa!
I feel if you don't travel at least 3 times a year, you can't get true value from that card. You are better off getting the CSR. Unless you like Centurion lounges, the amex doesn't provide much more than the CSR. What do you say Sebby?
My first Amex Card is the Blue Cash Everyday Card. I got it on your recommendation since my biggest expense is groceries. I don’t feel I am missing out on the Amex platinum card because I have the CSR. There is some chance I may go for the WF propel Amex because I have a WF Portfolio checking and there is some sort of relationship bonus with the Propel Card.
If you get the platinum first, I believe you won’t be elegible for the bonuses for the green and gold. If you go after the 100k for the platinum, you’ll miss the bonuses from the other cards…so going for the platinum first doesn’t make sense if you want the other bonuses.
Loving the thought process. Seems counterintuitive, but the math is there. Don't know if I'll ever do the Platinum. My first and only AmEx card to date is the Blue Cash Everyday card. Use it for grocery runs when Discover and Freedom aren't "in season". I do eventually want an MR earner, but mostly for special deals (e.g. the recent Amazon deal).
My first Amex card that I was just approved for last week was BCE card. I was surprised at the low limit of 1k when the other cards I applied for had limits between 8k and 12k.
I got the gold biz, spg biz, blue biz then platinum biz. A friend used a screenshot from a 100k offer and they matched hers. The amex rep then told her that she could refer people, call the rep and get that offer matched. I did this as my 4th amex card $10k spend for 100k mr.
So like you can use a credit card to pay tuition (at least at my college) so hitting minimum spend could be the easiest thing ever just making payments with the card and paying it off and repeat if necessary, the argument against students getting the platinum would be the annual fee and the value they could get out of it because you’re in class so you’re not gonna be able to reap the benefits.
In Canada some of our Amex cards are different than the states. I have one Amex card and it's the Essential card. Mainly because it has an 8.99% AIR. I kind of regret getting it because after more research I realized I could use the Amex Blue Sky card. They cant switch me and said I'd have to apply for it.
My first Amex -->The everyday card. For my wedding anniversary I'm cashing in on $100 MR points for The Capital Grille. That dry aged steak is calling us. Some the Ritz card is off the table, I'll apply for the CSR next year....then the Amex Platinum. Great vid!!!!!!
Randomly noticed this comment but: Tascam DR-10L. It's been an amazing workhorse and very convenient when traveling (vs. Zoom H1/H1n). I recently upgraded to a Countryman B3 for some plane vlogs but DR-10L bundle is the best bang/buck (to me).
My first card was the Amex platinum. Was shocked I was approved lol but makes sense that it is a charge card. I ended up product changing to gold after a couple years.
Brian David Are you aware of the benefits? I have benefit remarkably since owning the platinum and have fully switched from the luxury card black card to it and it is a amazing credit card
It is a controversial suggestion. Thought: The Ameriprise Card is fee free for the year with no bonus, a $550 value for the year. And you can get the $200 travel credit, and another $200 travel when 1/1/19 comes when it resets. Just a thought.
I regret getting the American Express Green card as my first American Express card. I got that card before I knew that signup bonuses existed. My dad was pushing me to get that card since it had the lowest annual fee and you had to pay it off every month. If I knew that signup bonuses existed back then, I would have totally skipped out on the green card and gotten something like the Gold Premier Rewards card. If you do have a Platinum card, I think having the everyday card is very important just in case you run into financial trouble so that you can protect your Membership Rewards points.
I got approvals for good and platinum. I dont do lots of travel tho hence platinum but for gold going out to eat would be my use. What would be the best .. I think the everyday to just step into the Amex world to let them know I’m interested to be a long time customer…. Opinions opinions
What about getting the SPG or SPG luxury as your first amex card? Would that effect any sign up bonus? I want to take advantage of their increased sign up bonus.
I spend ~100k on a PRG and have been targeted for 175k after 25k spend(100k for $10k then 75k for $15k within the first 3 months). It was through the mail. However, I knew I couldn't meet the spend without MS, so I didn't apply for that offer. It hurt my soul. However I did get 100k for the Platinum(with $100 off the annual fee as a statement credit) as well as 75k for the PRG and 75k for the BGR. I still spend ~$100k a year with them and still get targeted offers for the Business Plat when I log in. Patience is key here. I signed up for the public offer for the Schwab version when it was 40k and it went to 60k shortly after. I called in to see if I could get the 20k and had no luck. After that, I made it a rule to never sign up for an MR card unless it was a historic high(of course, the min spend has to be within reach also). You're probably right about them targeting non customers, but as it is with everything else in this hobby, YMMV.
Just wana say i love this chanel. Very thorough in explanation. And simple material people can understand. Im not close to getting an amex myself. My bf made me an authorized user on his to help further repair my credit. ( i cant use his lol) but i went from having a $300 secured card limit to having a 10k limit (plus my little bitty $300) on my credit report. Its boosted my score. Im wondering if they will eventually treat me different when i go for mine after credit repair. Is there a video on that? He has the delta platinum amex
I have the everyday card since 2005 when it was called American Express blue. I dont fly but I do go to hotels when I drive somewhere. Is it worth transferring to hilton or Marriott?
My first AMEX card was both the Everyday card and the Blue Cash. I applied for both of them the same day and received a call from AMEX afterwards, wanting to make sure it wasn't an accident. Now I have the AMEX Gold as well, but I haven't gotten another card since I want the CSR but over 5/24 until next year. I barely use my everyday and blue cash now. After I hopefully get the CSR, I will possible upgrade my Gold to platinum and use the CSR as my main card. I still have time to think of a game plan.
I would recommend against upgrading Amex cards if you haven't had it in the past (TLDR: 2 bonuses vs. 1 bonus): www.asksebby.com/blog/should-you-upgrade-your-american-express-card
I would have been happier with the amex premium SPG. The Platnium SPG rewards are a bit weak (no lounge access at the hotel) and if you travel internationally, it is hard to use the credit on the airline. I am basically traveling around the earth once this year but will spend zero on baggage fees and food.
I got a 50,000 point offer for the Gold Amex in the mail after already owning the everyday card and the blue cashback amex also. Then I got an offer for the platinum one for 60k points, which I didn't took. Only getting it if I get the 100k offer.
Been thinking about the plat for p2, but its not something that could fit into their base easily so I may refer them to a delta plat since we travel domestically together a few times a year and could easily use the companion certs. Plus thinking about mortgage in the future and I want to make sure we've got a solid base.
Everyday is my only AMEX now until the SPG Luxury come out...muhahahaha! Great video Sebby, thumbs up. Wish you can do a video about the Barclays Wyndham Platinum card and/or Founderscard.
i think you are a genius on the subject matter credit in general but the only way you can rack up points worth anything is if you spend heavy credit cards is debt the more you borrow the more you become a slave to the lender
I just received a 70,000 point Amex gold offer, should I still Amex Plat later? I’m annoyed I passed on a 80,000 point Chase preferred offer and ended up getting the card later at 60,000🤦🏾♂️. I don’t want to make a similar mistake again.🤷🏾♂️
I had the Amex Gold Premier rewards for about 6 years. They offered me the Platinum with the same account number and 25k point if I spend 3k in 90 days. Without credit check. Did I just get lucky? Or they felt I was worthy of it in their eyes?
I was going to apply for an Amex this year, but the Platinum is far too expensive and I have low expenditure, mostly just bills and groceries. The Gold looks attractive, but was also considering the British Airways one or the Cashback Everyday one as they have no fees and I've never had an Amex before, have just 1 year credit history and only 2 cards. The Blue card is not available here in the UK though...
Is the gold card the easiest charge card to get approved for ? and is it easier to be approved for the gold card then one of the normal credit cards like the blue
I just got the Amex Gold last week. I applied and got approved then...applied for the Everyday Card and was approved as well. So I guess I did everything backwards. I don't really need the Platinum card because I don't travel that much right now. I may get targeted for it however since I am already a customer with 2 cards. Credit Score was 670 on Experian. I have gotten about 8 credit cards in the last 3 months. lol I have hit a wall now and got turned down twice for Chase Sapphire and the INK card a few days ago. So...I guess I will wait for til at least the spring til I apply for anything because my Credit Score took a major hit. 20pts down. It will go back up in a month or so I suspect. Too many inquiries now. But utilization is looking really good now!!.....15%
Rosalyn McClore you can't get the chase card since you are over 5/24 . Look up the 5/24 rule. You won't be able to get the chase card until 2020. 5 cards every 24 months is the chase rule.
Yeah.....I learned that later. I don't need it Thank God! But I will get one! I have 2 AMEXs's , a Discover, 2 Capitol One Cards, and Best Buy Buy Visa. I think I can make it 2 yrs. I can't believe I got all those cards in such a short span of time. I went through a business loss 8 yrs ago and fell into a real slump. Guess I'm back! lol But, gardening for a while. lol This channel is so great. I have learned so much.
You can sprinkle in business cards during the 2 year wait since they don't add into your 5/24. Bank bonuses are also fun if you have capital to move around.
Thank you, thank you, thank you for this video cause I was thinking hard about getting the Amex Everyday Preferred card first, but now I know better. Go head with your tanned and relaxed self lol I will be using your link for card match too.
I realize that Amex takes into account a number of factors beside your credit score, but what would your guess be as to the lower-end score that Amex would approve for the Gold charge card, and the Platinum charge card ? .... assuming of course that you also have a decent income and/or assets.
To clarify, you're suggesting after applying and receiving the Chase Freedom or Freedom unlimited and managing it for 1-3 months, we should apply for Chase Saffire proffered or reserved as well after? How long should we wait between those, 6 months and wait another three before applying for the AMEX @AskSebby
He’s saying apply for a CFF or CFU card. (Let’s say you get the CFF) After 1-3 months, apply for the CFU credit card. (At this point you are utilizing 2 of 5 card approvals within the 5/24 rule. After 6-12 months of good credit history, apply for the CSP or CSR (Your only subjected to get one of these cards!). This will finish off your chase trifecta. The key is, to obtain you Chase Trifecta, whilst making way for other cards amongst the market while staying under Chase’s 5/24 rule. Hope this helps
Hi Sebby, is the bonus separate for charge cards and normal cards? I currently do not have any AMEX cards and got targeted for a 70K bonus for the Delta gold card. If I apply for this card, does this mean I wont be targeted for the 100K platinum offer?
My first amex card was the sky blue card I still have it I just want to know is it still good to have it for flights or get the Platinum card cuz I work for the airline so sometime I get free flight but at time I have to travel on other airlines so I want to know what would be the best value for my mone
Darn. Wish I had watched this video earlier. My first AmEx card was the Blue cash everyday & the Platinum was the 2nd. The 75,000 pt welcome bonus was good, but I like 100k better lol
I want gave a big thank u to amex for helping out ppl that need to b help i love u guys n what ever u guys need for im right hear u guys r number one all my full respect for amex
Have lots of personal spend over next year. I checked and was target for Amex Plat 100K offer yesterday. However I am currently 4/24 (all Chase cards) And wanted to switch to business cards at this point until I drop down again and I am able to pick up a few Chase Keeper cards. Thoughts on best first Amex Business card: Platinum? BGR? SPG Biz? BBP?
I'm currently at 3/24, planning to app CFU next week. Have CSR & CF now. Was thinking my 5th would be some Chase cobranded Hotel card. // Poked the CardMatch just to see and I have AmEx Platinum 100kMR/$5k and PRG 50kMR/$1k offers. Cool! // buuuut, how rare are these? Should I consider changing my plan to grab one of the AmEx's?
If you don't have an Amex card yet: I would finish off 5/24. The offers will still be around. If you already have an Amex card, I would probably pick up the Platinum (we've seen the PRG 50k but with higher min spend so less of a concern). If you're waiting, 5th should probably be SW Priority of United Explorer given the "One Lane Rule" with SPG/Marriott.
I just picked up the SPG card to get the 75K bonus to go along with the Chase Marriott 100K bonus I just hit minimum spend on. I'll see if they send me a 100K offer in a few months.
Question: I currently have the AMEX Green card and was planning on upgrading to the Gold premier rewards. Should I get the gold card or go for the platinum?
Upgrading means you're locking yourself out of the PRG signup bonus... for no reason: www.asksebby.com/blog/should-you-upgrade-your-american-express-card
Hey Sebastian, I've been trying to upgrade my Amex Optima card for a while now. I have talked to many reps and no luck, they tell me there is no card I can upgrade to from the Optima card. Should I cancel this card and take the credit score ding or should I keep it?
Can I get the Schwab platinum bonus sign up offer if I already have the regular Platinum Card? And if so, should I cancel my normal card during a certain time period when I get the Schwab platinum?
I just signed up for the Delta Amex card and I'm regretting it, i want to downgrade or upgrade to a different one... is it possible? I haven't received the card by mail yet.
I also got the everyday card as my first AMEX but I was able to the Platinum card for the 75,000 point sign up bonus. So where it wasn't the 100k it was still more than the normal bonus.
My first AMEX card was Gold. Then I upgraded to Platinum with a bonus offer. It worked out great. I do agree that just start with Platinum. It's not hard to get and the strength of the card is good.
Pete Skeet what if u alrrady have the csr?
The Platinum card was my first Amex card. I hit the minimum spend for the 60,000 point and maxed out the referrals for the year.
My first Amex was the Green Card, then they call me for the change to the Gold Card and now i have de The Platinum Card
My first Amex card was the gold card, then I upgraded to PRG last year. Suddenly, I was inquisitive in the credit card system, so I was doing my own research by watching Sebby's and Credit Shifu's videos. You guys are awesome and thanks for providing these awesome card information. I got a Plat offer of 75k last month, so I got this instead of upgrading my PRG. Thus, I am holding two Amex cards. I was thinking of getting rid of PRG, but couldn't ignore the x2 MRP that I can use daily (Plus, $100 airline credit). Plus, I have Chase Sapphire Preferred, but I am getting rid of that soon - I am barely using it, lol. Instead, I will get a cashback card probably Uber Visa!
I feel if you don't travel at least 3 times a year, you can't get true value from that card. You are better off getting the CSR. Unless you like Centurion lounges, the amex doesn't provide much more than the CSR. What do you say Sebby?
Witcherworks this i agree with i plan on getting the Amex gold now then the csr and chase freedom unlimited later this spring
what does csr stand for?
@@Kahoobb Chase Saphire Reserved
My first Amex Card is the Blue Cash Everyday Card. I got it on your recommendation since my biggest expense is groceries. I don’t feel I am missing out on the Amex platinum card because I have the CSR. There is some chance I may go for the WF propel Amex because I have a WF Portfolio checking and there is some sort of relationship bonus with the Propel Card.
If you get the platinum first, I believe you won’t be elegible for the bonuses for the green and gold. If you go after the 100k for the platinum, you’ll miss the bonuses from the other cards…so going for the platinum first doesn’t make sense if you want the other bonuses.
My first AMEX card is the Hilton Ascend
Basically, start with Student/secure cards, then grow with chase. And go straight for the platinum after. Love the strategy thanks!
Loving the thought process. Seems counterintuitive, but the math is there. Don't know if I'll ever do the Platinum. My first and only AmEx card to date is the Blue Cash Everyday card. Use it for grocery runs when Discover and Freedom aren't "in season". I do eventually want an MR earner, but mostly for special deals (e.g. the recent Amazon deal).
Mine was the blue cash preferred
My first Amex, annual fee and charge card is the GREEN 6 days ago and I'm working on the $2000 in 6 months for 50,000 points.
The drill metaphor works because you get screwed out of all those points. A little on the nose but effective.
Sebby loves his analogies. 🤣
🙃
Love the analogies. Drives the point home in a non geeky way for us beginners..thanks
My first Amex card that I was just approved for last week was BCE card. I was surprised at the low limit of 1k when the other cards I applied for had limits between 8k and 12k.
My first Amex is the platinum
how can someone not expect to get screwed when you have a drill in your hand?
I got the gold biz, spg biz, blue biz then platinum biz. A friend used a screenshot from a 100k offer and they matched hers. The amex rep then told her that she could refer people, call the rep and get that offer matched. I did this as my 4th amex card $10k spend for 100k mr.
So like you can use a credit card to pay tuition (at least at my college) so hitting minimum spend could be the easiest thing ever just making payments with the card and paying it off and repeat if necessary, the argument against students getting the platinum would be the annual fee and the value they could get out of it because you’re in class so you’re not gonna be able to reap the benefits.
I like the knife, stick, and marshmallow analogy 😂🌚❤️
In Canada some of our Amex cards are different than the states. I have one Amex card and it's the Essential card. Mainly because it has an 8.99% AIR. I kind of regret getting it because after more research I realized I could use the Amex Blue Sky card. They cant switch me and said I'd have to apply for it.
Thanks so much Sebby! I've been looking for a video like this for a long time. Keep up the great content!
You can apply for two amex card at the same time and it will only be 1 inquiry
My first Amex -->The everyday card. For my wedding anniversary I'm cashing in on $100 MR points for The Capital Grille. That dry aged steak is calling us. Some the Ritz card is off the table, I'll apply for the CSR next year....then the Amex Platinum. Great vid!!!!!!
You've listed your equipment but not your lavaliere. I'm assuming you sync in post production. Thanks. Love your channel.
Randomly noticed this comment but: Tascam DR-10L. It's been an amazing workhorse and very convenient when traveling (vs. Zoom H1/H1n).
I recently upgraded to a Countryman B3 for some plane vlogs but DR-10L bundle is the best bang/buck (to me).
My first card was the Amex platinum. Was shocked I was approved lol but makes sense that it is a charge card. I ended up product changing to gold after a couple years.
RNS TV it is I downgraded since I wasn’t using all the benefits to justify the annual fee
Brian David Are you aware of the benefits? I have benefit remarkably since owning the platinum and have fully switched from the luxury card black card to it and it is a amazing credit card
Damn i just got my platinum.... after my every day card
Not sure if this counts. But I had the Costco Amex card which was transitioned to CITI. And then a year late, got targeted for the 100k platinum.
If anything, they might have seen you as a prior customer who left = "bring them back in!"
Looks like it worked out in your favor :)
Same here.
I have the Amex Plat, Amex Cash Pre, Amex Hilton, Amex Gold Business, and Amex Green. I luv my Amex’s
I just read an article on CNBC that a guy purchased a $60,000 Tesla with a credit card using Plastiq. Insane lol.
It is a controversial suggestion. Thought: The Ameriprise Card is fee free for the year with no bonus, a $550 value for the year. And you can get the $200 travel credit, and another $200 travel when 1/1/19 comes when it resets. Just a thought.
1st Amex card 📝Amex Optima in 1997
I have the optima now in 2021 lol
I regret getting the American Express Green card as my first American Express card. I got that card before I knew that signup bonuses existed. My dad was pushing me to get that card since it had the lowest annual fee and you had to pay it off every month. If I knew that signup bonuses existed back then, I would have totally skipped out on the green card and gotten something like the Gold Premier Rewards card. If you do have a Platinum card, I think having the everyday card is very important just in case you run into financial trouble so that you can protect your Membership Rewards points.
I got approvals for good and platinum. I dont do lots of travel tho hence platinum but for gold going out to eat would be my use. What would be the best .. I think the everyday to just step into the Amex world to let them know I’m interested to be a long time customer…. Opinions opinions
What about getting the SPG or SPG luxury as your first amex card? Would that effect any sign up bonus? I want to take advantage of their increased sign up bonus.
I only have 1 Amex card and it’s the BBP. Does the fact that this is a business card make any difference in the targeting of offers from Amex?
which card should I get if I just want it for concerts and special events
I spend ~100k on a PRG and have been targeted for 175k after 25k spend(100k for $10k then 75k for $15k within the first 3 months). It was through the mail. However, I knew I couldn't meet the spend without MS, so I didn't apply for that offer. It hurt my soul. However I did get 100k for the Platinum(with $100 off the annual fee as a statement credit) as well as 75k for the PRG and 75k for the BGR. I still spend ~$100k a year with them and still get targeted offers for the Business Plat when I log in. Patience is key here. I signed up for the public offer for the Schwab version when it was 40k and it went to 60k shortly after. I called in to see if I could get the 20k and had no luck. After that, I made it a rule to never sign up for an MR card unless it was a historic high(of course, the min spend has to be within reach also). You're probably right about them targeting non customers, but as it is with everything else in this hobby, YMMV.
Just wana say i love this chanel. Very thorough in explanation. And simple material people can understand. Im not close to getting an amex myself. My bf made me an authorized user on his to help further repair my credit. ( i cant use his lol) but i went from having a $300 secured card limit to having a 10k limit (plus my little bitty $300) on my credit report. Its boosted my score. Im wondering if they will eventually treat me different when i go for mine after credit repair. Is there a video on that? He has the delta platinum amex
.. do you think it's a good card to keep for more than a year? (To keep in your stable of cards?)
Do a video about shopping through the ebates portal with AmEx platinum and.. Is it racking up double MR points?
Dont have any amex as of now but thinking of getting Amex business platinum as my first amex. Is it a good idea? Please advise
I have the everyday card since 2005 when it was called American Express blue. I dont fly but I do go to hotels when I drive somewhere. Is it worth transferring to hilton or Marriott?
Is my Wells Fargo propel card considered as an American Express card?
Not for this purpose.
I’m using Amex savings account with over $20,000. Will I get approved for my first card easier?
Amex approvals are usually pretty easy if you don't have any negatives on your credit report :)
@@AskSebby hey sebby what if you have a $2000 balance from a $10000 card will they approve you? Ex score are over 750.
My first AMEX card was both the Everyday card and the Blue Cash. I applied for both of them the same day and received a call from AMEX afterwards, wanting to make sure it wasn't an accident. Now I have the AMEX Gold as well, but I haven't gotten another card since I want the CSR but over 5/24 until next year. I barely use my everyday and blue cash now. After I hopefully get the CSR, I will possible upgrade my Gold to platinum and use the CSR as my main card. I still have time to think of a game plan.
I would recommend against upgrading Amex cards if you haven't had it in the past (TLDR: 2 bonuses vs. 1 bonus): www.asksebby.com/blog/should-you-upgrade-your-american-express-card
This would have been good to know days earlier because I literally just applied for the other two. :-/
I would have been happier with the amex premium SPG. The Platnium SPG rewards are a bit weak (no lounge access at the hotel) and if you travel internationally, it is hard to use the credit on the airline. I am basically traveling around the earth once this year but will spend zero on baggage fees and food.
Glad to see another video! Thanks!
I was offered 70k points for the AMEX Gold card though. Should i hop on that ? Maybe i should wait for a Platinum 100k - 125k Offer?
My first AMEX Card was the Green Card years ago. I only had the Hilton Honors Credit Card until I got the Platinum Card (to see if I like it).
Hello Seby, How about for a home base business, what card can you recommend?
CIC/CIU/CIP.
where’s the link for card match?
I got a 50,000 point offer for the Gold Amex in the mail after already owning the everyday card and the blue cashback amex also. Then I got an offer for the platinum one for 60k points, which I didn't took. Only getting it if I get the 100k offer.
Been thinking about the plat for p2, but its not something that could fit into their base easily so I may refer them to a delta plat since we travel domestically together a few times a year and could easily use the companion certs. Plus thinking about mortgage in the future and I want to make sure we've got a solid base.
Everyday is my only AMEX now until the SPG Luxury come out...muhahahaha! Great video Sebby, thumbs up. Wish you can do a video about the Barclays Wyndham Platinum card and/or Founderscard.
I would l I'll e to see that
I'm only a business card customer with them. will the card match 100k offers be out of my reach?
i think you are a genius on the subject matter credit in general but the only way you can rack up points worth anything is if you spend heavy credit cards is debt the more you borrow the more you become a slave to the lender
I just received a 70,000 point Amex gold offer, should I still Amex Plat later? I’m annoyed I passed on a 80,000 point Chase preferred offer and ended up getting the card later at 60,000🤦🏾♂️. I don’t want to make a similar mistake again.🤷🏾♂️
I got got the cobalt card as my first amex card
I had the Amex Gold Premier rewards for about 6 years. They offered me the Platinum with the same account number and 25k point if I spend 3k in 90 days. Without credit check. Did I just get lucky? Or they felt I was worthy of it in their eyes?
And here I got the ED card to get on the Amex radar in case I ever swap my CSR for it 🤦🏼♂️ here’s hoping for a 100k offer in the future
Does this apply for cobranded cards? If I get the Hilton Aspire am I less likely to get Amex Platinum 100K offer?
I was going to apply for an Amex this year, but the Platinum is far too expensive and I have low expenditure, mostly just bills and groceries. The Gold looks attractive, but was also considering the British Airways one or the Cashback Everyday one as they have no fees and I've never had an Amex before, have just 1 year credit history and only 2 cards. The Blue card is not available here in the UK though...
Do you get travel points if you book through booking agencies?
Is the gold card the easiest charge card to get approved for ? and is it easier to be approved for the gold card then one of the normal credit cards like the blue
I want to get the blue cash everyday, will this affect the 100k offer since I dont have an MR card?
Always great advice from you thank you, I sub.
I just got the Amex Gold last week. I applied and got approved then...applied for the Everyday Card and was approved as well. So I guess I did everything backwards. I don't really need the Platinum card because I don't travel that much right now. I may get targeted for it however since I am already a customer with 2 cards. Credit Score was 670 on Experian. I have gotten about 8 credit cards in the last 3 months. lol I have hit a wall now and got turned down twice for Chase Sapphire and the INK card a few days ago. So...I guess I will wait for til at least the spring til I apply for anything because my Credit Score took a major hit. 20pts down. It will go back up in a month or so I suspect. Too many inquiries now. But utilization is looking really good now!!.....15%
Rosalyn McClore you can't get the chase card since you are over 5/24 . Look up the 5/24 rule. You won't be able to get the chase card until 2020. 5 cards every 24 months is the chase rule.
Yeah.....I learned that later. I don't need it Thank God! But I will get one! I have 2 AMEXs's , a Discover, 2 Capitol One Cards, and Best Buy Buy Visa. I think I can make it 2 yrs. I can't believe I got all those cards in such a short span of time. I went through a business loss 8 yrs ago and fell into a real slump. Guess I'm back! lol But, gardening for a while. lol This channel is so great. I have learned so much.
You can sprinkle in business cards during the 2 year wait since they don't add into your 5/24.
Bank bonuses are also fun if you have capital to move around.
I just decided I should have gotten a Simply Cash Business Amex. That card would work great for me. I probably wont get approved now would I? lol
Thanks for that suggestion.
Thank you, thank you, thank you for this video cause I was thinking hard about getting the Amex Everyday Preferred card first, but now I know better. Go head with your tanned and relaxed self lol I will be using your link for card match too.
Wondering if you chase trifecta, is it better tonget amex spg. If you dont need the platinum
I realize that Amex takes into account a number of factors beside your credit score, but what would your guess be as to the lower-end score that Amex would approve for the Gold charge card, and the Platinum charge card ? .... assuming of course that you also have a decent income and/or assets.
650. 675 ideally. Charge cards are lower risk for them since you have to pay them off in full every month.
To clarify, you're suggesting after applying and receiving the Chase Freedom or Freedom unlimited and managing it for 1-3 months, we should apply for Chase Saffire proffered or reserved as well after? How long should we wait between those, 6 months and wait another three before applying for the AMEX @AskSebby
He’s saying apply for a CFF or CFU card. (Let’s say you get the CFF) After 1-3 months, apply for the CFU credit card. (At this point you are utilizing 2 of 5 card approvals within the 5/24 rule. After 6-12 months of good credit history, apply for the CSP or CSR (Your only subjected to get one of these cards!). This will finish off your chase trifecta. The key is, to obtain you Chase Trifecta, whilst making way for other cards amongst the market while staying under Chase’s 5/24 rule. Hope this helps
Hi Sebby, is the bonus separate for charge cards and normal cards? I currently do not have any AMEX cards and got targeted for a 70K bonus for the Delta gold card. If I apply for this card, does this mean I wont be targeted for the 100K platinum offer?
My first amex card was the sky blue card I still have it I just want to know is it still good to have it for flights or get the Platinum card cuz I work for the airline so sometime I get free flight but at time I have to travel on other airlines so I want to know what would be the best value for my mone
Darn. Wish I had watched this video earlier. My first AmEx card was the Blue cash everyday & the Platinum was the 2nd. The 75,000 pt welcome bonus was good, but I like 100k better lol
Should I get the proffered over the everyday
I want gave a big thank u to amex for helping out ppl that need to b help i love u guys n what ever u guys need for im right hear u guys r number one all my full respect for amex
I love your channel keep up the videos thank you this really helps me
my first amex card was the green card...now I have the prg card...I got and invitation in the mail to get the platinum card...
Any knowledge on the Amex Optima card?
Have lots of personal spend over next year. I checked and was target for Amex Plat 100K offer yesterday.
However I am currently 4/24 (all Chase cards)
And wanted to switch to business cards at this point until I drop down again and I am able to pick up a few Chase Keeper cards.
Thoughts on best first Amex Business card: Platinum? BGR? SPG Biz? BBP?
I just wouldn't grab any Amex cards since it might screw up the targeting.
CIU/CIC/CIP and finish off 5/24 seem like the best bet (vs. risking it).
What credit score, income would you expect to need to get CS Amex Plat?
I'm currently at 3/24, planning to app CFU next week. Have CSR & CF now. Was thinking my 5th would be some Chase cobranded Hotel card. // Poked the CardMatch just to see and I have AmEx Platinum 100kMR/$5k and PRG 50kMR/$1k offers. Cool! // buuuut, how rare are these? Should I consider changing my plan to grab one of the AmEx's?
If you don't have an Amex card yet: I would finish off 5/24. The offers will still be around.
If you already have an Amex card, I would probably pick up the Platinum (we've seen the PRG 50k but with higher min spend so less of a concern).
If you're waiting, 5th should probably be SW Priority of United Explorer given the "One Lane Rule" with SPG/Marriott.
I'm an authorized user on someone else's Amex, does this make me already a customer in Amex's eyes?
Good question. Have you tried calling them and asking?
I just picked up the SPG card to get the 75K bonus to go along with the Chase Marriott 100K bonus I just hit minimum spend on. I'll see if they send me a 100K offer in a few months.
Reminder that you have a 3 day window for the SPG Luxury card due to the "One Lane Rule" starting on Aug 26.
Do a card collection video
My first AMEX was literally just 2 weeks ago with the PRG
I have a 50k ($1k spend) offer from Amex for the PRG card, would you suggest getting this or waiting for the 100k offer for the Platinum?
Cyril Ogude wow 1k spend for 50k MR for the gold? That's Definitely a no-brainer, the offer they sent me is 2k spend for 30k
YMMV but I would hold off.
Many people do the PRG + Plat on the same day to take advantage of the targeting.
Question: I currently have the AMEX Green card and was planning on upgrading to the Gold premier rewards. Should I get the gold card or go for the platinum?
Upgrading means you're locking yourself out of the PRG signup bonus... for no reason: www.asksebby.com/blog/should-you-upgrade-your-american-express-card
THANK YOU I WANTED THIS FOR SO LONG!
5:05 ::brings face closely to screen::
is that a SCREWdriver bit you got there? hahaha i’ll see my way out now
Hey Sebastian, I've been trying to upgrade my Amex Optima card for a while now. I have talked to many reps and no luck, they tell me there is no card I can upgrade to from the Optima card. Should I cancel this card and take the credit score ding or should I keep it?
Is there an AF? If not, just keep it. Otherwise, I would keep calling.
Can I get the Schwab platinum bonus sign up offer if I already have the regular Platinum Card? And if so, should I cancel my normal card during a certain time period when I get the Schwab platinum?
Yes, different products.
I recommend keeping cards for at least 1 year (12 months).
Delta first. Platinum second.
Why am I never targeted? I have really good credit and several cards already
Maybe income Vs. Total Credit Limit of all your cards 🤷♀️
Man you are so cold ...SO COLD
How does one get targeted ?
I just signed up for the Delta Amex card and I'm regretting it, i want to downgrade or upgrade to a different one... is it possible? I haven't received the card by mail yet.
I would just keep it at this point. Downgrading is considered abuse per their terms. They happily blacklist / shutdown people for perceived abuse.