How to Manage MULTIPLE Credit Card Annual Fees
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- Опубликовано: 2 авг 2024
- The decision to keep or cancel an annual fee card is always going to be a personal one, but instead of giving general pointers in this video, I’m going to use real examples from my own personal credit card portfolio. As someone who manages multiple credit card annual fees, I’m always looking to lower these fees across my entire portfolio of credit cards to see if I could improve my setup and get the best value.
To illustrate how I got about managing multiple credit card annual fees, I'm going to ask these 3 questions specific to my own credit card portfolio: The first question is: What card could I use for grocery spending? The second question is: Do I need multiple co-branded credit cards for the same hotel chain? And the third question is: Should I use a high annual fee card for my everything else category or is that really necessary?
With these questions in mind, the cards in question are the American Express Gold card ($250 annual fee), the American Express Marriott Bonvoy Brilliant ($650 annual fee) and Marriott Bonvoy Business ($125 annual fee) cards, and the Bank of America Premium Rewards Elite card ($550 annual fee).
What are the best methods to lower the annual fees on these cards? Watch this video to find out!
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Chapters:
00:00 Intro
00:47 How to Analyze Your Setup
03:00 Question 1
05:03 Question 2
07:19 Question 3
10:10 Putting It All Together
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Disclaimer: I am not a financial advisor, accountant, or lawyer, and as such, I do not provide financial, tax, or legal advice. This video, and any ideas presented in it, are opinions and are provided for entertainment purposes only. Please do your own research and consult your own financial, tax, or legal professional for specific advice.
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Using credits is the way I take the most advantage of managing annual fees!
Nice Manny! Statement credits are a great way to lower those annual fees!
@@TheCreditFrogif you use credits does that automatically decrease the amount of annual fees you pay after one year? For example on the gold card if you use the 120 Uber credit does that automatically decrease the 250 you paid at the end of the year to 130?
@@K1Eli No, what happens is you pay $250 at the beginning of the year, and you get $10 per month of Uber credit so if you use each credit every month, that will eventually total $120, but you have to pay $250 up front.
Thank you for sharing your own personal experience and perspective. These are the most valuable credit card videos!
Of course LK! I feel the same so I try to make these videos as personal as I can 👍!
This was a very engaging and informative rundown of managing annual fees. I appreciate the visuals as that’s how I learn best 😄 Great video, Stan!
Thanks so much Josh! Yes, I'm definitely a visual learner as well so I totally get where you're coming from. Appreciate it!!
Great questions to pose and ones I run by as well. Moment to plan by determining your natural spend and how you apply your cash back or points. BCP is a great card
Yeah, it's super important to figure not only how you spend, but how you plan on redeeming! I think the BCP is pretty straightforward and some don't like the statement credit situation, but I think this is just as good as cash back!
This was great, extremely clear and comprehensive. Thank you
You're welcome! Glad you enjoyed the video 👍!
Been thinking about gold card alternatives and that combo of bcp and custom cash never crossed my mind, gracias
No prob! Yeah I think there are some great alternatives to the Gold card, including that BCP + CCC combo!
Great video Stan! Thank you for showing the alternative options from the AMEX Gold card. The combo of the AMEX BCP & the Citi CC would be a deadly duo! Those multipliers are insane & it’s definitely something I’d consider after a year with the Gold card 👀 Great video as always Stan! Keep up the great work! 🙌🏻
Thanks so much Edras! Yeah, I think the Gold card is a great card and all, but there are definitely more affordable options out there so I think going down that rabbit hole is a worthwhile exercise. And yeah, sounds like you'll have to be making a similar decision after that year 1 mark as well. As a C1VX fan, maybe the Savor One may be the best path forward for you!
As someone who is now starting to get to that next stage in my CC Journey (getting more AF-type Cards), this video was super helpful! Hotel Cards are definitely some of the best use cases as "Keeper Cards" as you mentioned, since if they fit into your setup effectively with positive value from the FNC or other benefits, in many cases you can completely wipe the fee with the value. Especially since you are a Marriott loyalist, if you are finding a lot of value from the FNC, Marriott status, etc. then if I was in the same situation I think I'd stick with the Brilliant. Great video as always Stan!
Thanks for the recommendation Matt! Yeah, I know how you feel about the Hilton cards and how they work well for you! Hilton doesn't have the same auto-FNC situation with the cards you have (I think the Surpass and Business). Yeah, I think I'll probably stick with the Brilliant and just make sure to get a good redemption on that 85k FNC. Glad you got a lot of value from this video. The nice thing about being so early on in your journey is that there are so many opportunities and pathways to choose from so it'll be cool to see where your credit card journey takes you next!
@@TheCreditFrog Absolutely!!
I really enjoy the detail, practicality, and simplicity in these vids Stan👍🏾 The 1st thing that occurs to me is that not all transferrable currencies are created equal, and that I value transferrable currencies over cash back setups. 2nd thing is that while not a Marriot brand fan in general, if I had to choose between the Brilliant & Bevy it would be the over-priced Brilliant😀. The 85k "free" night award + Platinum Status have some value with their brand, while Gold has little to none. Having several heavy hitters (2 Amex Plats: Bus & CS versions), Chase CSR, 2 Amex Bus Golds plus reg Gold, I'll likely close a couple if my business activities lull in the short to mid-term. The SBs have been fantastik however! Btw: the videography is beginning to look professional grade Man - luvin it👋🏾
Thanks so much Nkosi! After making videos for some time, I'm glad it's starting to look decent, haha! And yes, points are definitely not made equal so that is certainly going to play into which card would be best. And thanks for that recommendation! It sounds like the Brilliant is the more popular choice with that 85k FNA as well as the Platinum status. I agree, Marriott Gold is kind of underwhelming so at least having Platinum makes it feel like you're getting something out of the status! I'm glad you're taking advantage of all of those SUBs! Looks like you and I have somewhat similar setups (stay tuned for a future video - I just applied for another card in that lineup you just mentioned)!
@@TheCreditFrog I'll be on the look out for it!
This video definitely hit close to home! I always have to look at whether I want to keep or Cancel cards because of the amount of annual fee cards that I have.... That Marriott decision is a hard one. Sorry, can't help with that one 😃. I'd probably say keep
Yes, and with the number of cards you have Sledge - you gotta be pretty organized to keep track of all of them and make sure you're still getting that value! Haha, yeah, maybe I should just YOLO and keep both 🤣
For your Marriott card decision, I'd likely keep the Brilliant if you're finding that the 85k point FNC is giving you more value than the annual fee every year. That's just me though! The more perks the better if you can justify the annual fee naturally. This was a great video Stan!!
Yeah, I'm leaning towards that since I could definitely use that 85k FNC every year. It's always a fun exercise to take a look at the annual fees, and to see what the options are to lower them. The Business and the Brilliant cards both have their pros and cons, but at least I have some time to figure out if I should keep one or both! Appreciate it Spencer!
I kept both the business and brilliant Marriott card as well as upgraded my chase boundless to the Ritz Carlton. Just the free night awards alone pay off far over the annual fees on all 3. I’ll likely add another boundless in the future as well.
@@MillisConstruction The free nights can definitely justify having multiple!
Keep the Bonvoy Biz & obtain the Chase Ritz Carlton( $200 less in annual fees, but still keep the 85K FNC. Plus you get $300 annual travel credit)
@@theyhateme2601 This is a great option! Thanks for the tip on this - I might actually do this since I have a Bonvoy Bold already! Not sure if I have to go Boundless first.
Very interesting strategy! Great video.
Thanks! Glad you enjoyed it 👍!
Great video. As long as I see, I can easily get more value than the annual fee without much work, juggling multiple annual fee cards isn't an issue for me. However, I do realize most people don't pay attention to credit cards the way I do, and they should probably try to have as few annual few cards as possible, to not cut into their gains
Thanks JP! Yeah, for those of us who don't mind keeping track of all the credits, it actually can be a fun hobby haha! But the danger is once it gets too overwhelming, a lot of credits sometimes fall through the cracks and you don't get as much value as you could have. Not everyone treats credit cards the same as you mentioned!
I’m becoming more and more of a fan of Stan’s approach to these topics. I have three mid-tier travel cards and all of my annual fees are due either this month or were due last month (the CSP, the Citi Premier and the Amex Gold which I just recently picked up at the end of April). I didn’t really think about it much just paying the $95 annual fees on the Premier and CSP, but I’m starting to think about it more after adding that $250 annual fee with Amex. I kind of feel three cards is too many and like I should be able to eliminate one of the three (definitely not the CSP though which I plan on holding indefinitely because of the primary auto insurance, the 25% boost in the portal, the fact that you get so much value with Hyatt, and the fact that I tend to get a lot of value from those 5% categories on the CFF), but I don’t want to lose access to any of their transfer partners just yet. I’ll see how it goes when I really start traveling next year.
Hey, thanks man! Great minds think alike, right? Yeah, I'm definitely a big believer in trying to narrow a core setup so that there is the least amount of overlap possible. I think in your situation, it'll be a toss up between the Premier and the Gold cards, if those are the ones you're considering dropping. I think a Citi Custom Cash downgrade is definitely one easy way to get rid of that $95 annual fee on the Premier, but if you need the other categories covered, the WF Autograph, C1 Savor One can be great no annual fee options that could complement the Citi Custom Cash! It'll be cool to see how your credit card setup changes when you start traveling as that's a whole different category and lifestyle to consider!
The CSP is a keeper just for the transfer partners alone if your plans are to do some traveling in the near future. Don’t sleep on the C1 Savor card. Nice little sign up bonus also, and it’s a no annual fee card.
@@gariejoyce5263 Totally agree, great points!
I kept both the business and brilliant Marriott card as well as upgraded my chase boundless to the Ritz Carlton. Just the free night awards alone pay off far over the annual fees on all 3. I’ll likely add another boundless in the future as well.
That's awesome! Yeah, I think if you can stack 2 FNAs or more, you can make a much nicer trip out of it. Sounds like you have a solid system to get a lot of value with these - I've also considered getting the Boundless card again for the reasons you mentioned!
@@TheCreditFrog our stay last night will put us titanium so I’ll be sure and let you know how that status goes 😁 my first time getting that far. We’ll see how the year goes but we may make a run at ambassador if our spend stays high enough
@@MillisConstruction Whoo! That's awesome! Yeah, definitely let me know since I'm on the quest to get Titanium Elite as well - but I'll probably not get there until December - I think I'm just going to make it!
I say keep both Marriott cards if you value the 85K + 35K FNCs. Personally, I'm not a fan of the AMEX Marriott Brilliant in its current form - don't really need another dining credit + I'm curious to see how Platinum status works out (if everyone's Platinum argument). The CHASE Ritz Carlton is a better CC IMO - even without Platinum status. It's always an interesting exercise to determine which AF CCs to keep/downgrade/cancel. Thanks for the info + video!
Thanks for the recommendation Jimmy James! Yeah, I've been hearing the Ritz Carlton card is a better credit card so that's a card I should look into. Platinum status is ok, but I haven't seen much different from Gold, at least as of right now. I guess Time will tell!
Can't wait to see a video on that Morgan Stanley Engagement Bonus finally posting! I think we are coming up on 1 year now. I'm VERY curious if we can get both a Retention Offer and an engagement bonus? 🤔
Hah! I'm not sure if I'm going to dedicate an entire video on it, but I am in month 13 so I'm definitely keeping an eye out for it! I can tell you right now that I asked several times for a retention offer when my annual fee posted, but I was unfortunately unsuccessful 😕
Opting for Airbnb when it makes sense opens up two things:
Flexible travel credits
Cashback earned throughout the year
Just like points transferred to other carriers gives the best return rates, so does cashback earned in orher high reward areas give the best return on Airbnb.
Those are great points! I’m not as familiar with AirBnB, but there are tons of cars with travel categories that include it so this can supercharge your earnings depending on the card!
From what I recall, you stay at Marriott properties pretty frequently... I think the Brilliant would benefit you more than the Business... Oh, and Bilt offers primary CDW for no annual fee 👀
Sounds good Josh! Yeah, I think maybe the Brilliant would be a better fit - it's just hard since I use the 7% room rate discount like every single time I stay, and it adds up haha! And Whaat?! I didn't know Bilt had Primary Auto CDW?! Just adding yet another reason I need to get this card. Dang Chase 5/24, it always ruins all the fun 😕
Awesome breakdown! Credits definitely help offset the effective annual fee if they’re used correctly! Causing additional spend to “justify” the credit isn’t the way to go. I’m glad you and other RUclipsrs constantly preach that message!
Noob question here: when you say you’re going to get a card for the SUB and then cancel it after year one, are you waiting for the the second annual fee to post, paying the fee, and then closing the card? Or are you canceling on day 364?
Thanks DJ October! Yeah, it's important to value the statement credits on what you'd usually spend, or at the very least, you find extra value in, if it somehow elevates your lifestyle. In terms of your question, I also let the second annual fee post before canceling the card. I don't pay the fee because it will get auto-refunded when you cancel. At least with Amex, if you cancel your card within 30 days of the annual fee posting, the annual fee gets refunded, and you've satisfied the 12-month requirement that most cards have to keep the sign-up bonus!
@@TheCreditFrog thank you for that info! if in the future I get an amex plat for the SUB only, this will probably be my plan! During that year, I'll def try to get all of the useful credits I can from it! Thanks again, Stan. My name is Ivan, nice to formally meet you!
@@DJOctober Sounds good man! And great to meet you too Ivan! 👋
Also I really like you idea with the custom cash and the blue business preferred but, have you considered 2 custom cash cards for groceries and either of the 2 boa cards for dining?
Yeah, I think the BCP and CCC would be a solid 2-card setup! I definitely have considered a 2 Citi Custom Cash card setup, but the issue is that it would take me a year to get that set up (I guess if I had a Player 2, maybe not). With the BCP + CCC, I can just apply for the CCC and product change my BCE to the BCP so I could take advantage of that immediately, but with 2 CCCs, I'd have to get 1 CCC, 1 Citi Double Cash, and the PC the Double Cash after 1 year.
Have you experienced Titanium status from Marriot? Currently I am trying to get the same Marriott cards that you have to try and see if chasing Titanium is worth the effort/cost.
I haven't yet! I'm Platinum right now, but I'm trying to gun for Titanium by the end of the year. Not sure if it will be better or not, but right now, not getting too many domestic Marriott upgrades, but I heard those are hard to come by anyways.
Have you cancelled any other Amex cards after one year? I have been concentring on Chase cards over the past few years and I find them much easier to work with due to the much lower annual fees and downgrade paths. I have the Amex Platinum and just recently got the Amex Gold. I want to go for the Amex Business Platinum and cancel the regular Platinum, which I've had since 2021 because in 2022 I kept it due to a nice retention offer. My concern is cancelling the platinum this year and then cancelling the Business Platinum next year (if I get approved which I think I will). I don't want to ruin my chances of getting approved for other Amex cards. Thanks and great video!
Yeah, I've canceled the Amex Green and Amex Amazon Business Prime after one year as well. I think regarding your plan, just make sure that you have at least one Amex MR point-earning card open so you don't lose any of your earned MR points! I know you have the Gold card, but maybe sneak in a Blue Business Plus in there for safety! So far, I've had no issues applying for Amex cards even with a steady stream of cards canceled after year 1. Just keep most of your spend on your Amex cards, and hopefully, things will turn out ok 👍!
I have the amex platinum because I was targeted with a 150k signup offer. So far I'm very happy. It's basically free with credits and bonusses
Dang that is awesome 👍👍!! That's an amazing offer you snagged there! It's totally worth it for year 1, but you'll have to do the math for yourself after that to make sure those credits and bonuses still make sense! Enjoy the card!
@TheCreditFrog absolutely true. Great video. Thank you for the hard work.
Is downgrading the Bonvoy Brilliant to the old $95 AF Bonvoy card an option? I know it's no longer available to new applicants, but I wonder if it's a available as a product change?
I just asked Amex CS, and yes, they confirmed that the $95 AF Bonvoy card is an option as a downgrade 👍!
From all the calculations I've made, optimum annual fees lie in the range of $250 to $350.
I can do very well in that range, especially with all the bonus cashback/points being offered on no annual fee cards, noteably World Elite MasterCards.
Yeah, I think it comes down to personal preference. Most of those mid to higher tier cards have great benefits, but there’s also value to be had at the highest tier if the statement credits/benefits make sense, or even a no annual fee card depending on your everyday spend!
I think the Marriott Business card is the best Marriott card.
The Marriott Business card is a card I didn't realize I'd like so much. Specifically that 7% discount on room rates. I know it's a YMMV situation, but I've been able to get a lot of benefit out of that one perk alone!
Any reason not to go with the no annual fee Bank of America Unlimited Cash Rewards instead of Premium Rewards when replacing the Premium Rewards Elite?
Great question! I actually like the other multipliers as well (3.5X Travel/3.5X Dining w/ Platinum Honors) since the PR Elite card plays double-duty for me as a catch-all card as well as a backup VISA for my American Express cards. With the PR card, I can maintain this setup - although I'd lose out on the primary auto CDW like I mentioned. If you're cool with statement credit, I think a better card tbh is the BofA Travel Rewards card because it's still no annual fee, there's no foreign transaction fees, and you get the same multiplier as the unlimited cash! The Unlimited Cash card is better only if you truly value the direct deposit redemption option!
The VX gives you 2x points on purchases on Costco, Sams Club, Walmart, Target and international purchases (and no FTFs). I’m not sure that I can do that with any other 2x points card with unlimited spending and no category restrictions.
I think that with the exception of Costco, the other chains have their own 5% cards, but of course, those are only limited to their own respective stores. I think the Costco card gets 2% unlimited at Costco only, but can get more if you’re an Executive member.
@@TheCreditFrog I’m talking about a catch-all for all locations and unlimited spend. I’m more interested in points than cash back (boring).
Hey Stan. I was wondering if I had a cancelled amex platinum card would I still be able to get into the lounges 😂 or do they scan it or something. Thanks.
They usually ask for the card at the lounge when you check in so yeah, you’d probably want to have the card to get in!
@@TheCreditFrog i still have the physical card, it’s just canceled. Would I still be able to get in showing them a deactivated card?
They swipe my card when I check in so I’m not entirely sure what’s going on, but it may not work if it’s canceled! I guess the only way to know is to go and find out!
so you can use 2 marriott annual free nights together?
I believe you can, although I haven’t tried this before!
RUclips decided I needed to watch this eight months later. 😅 and with the benefit of hindsight, realizing that your U.S. Bank, altitude reserve, at least, in part, solved the primary CDW dilemma. 😄
How often do you rent cars, generally?
Haha! I'm glad that you were able to see this oldie but goodie! I personally don't rent cars a lot. It really depends on the situation. If I go to cities like Las Vegas, NYC, or Boston, where driving sucks and there's a lot of public transit options, then no. But if I go anywhere in Texas or California (for vacation), then I usuallly rent a car!
@@TheCreditFrog Makes sense. 🚎
about the marriott cards: if you spend at least $1800 at Marriott every year, then it makes sense. otherwise, the FNA seems like it would outweigh the card's AF.
That's true too! It really does depend on how much value you can get from the FNAs!
why didn't you use EFFECTIVE annual fees instead? statement credit burnout?
I certainly could have. Ultimately, the gross AF is what's leaving your wallet before statement credits are applied. It's just a different way to approach AFs since statement credits are really just pre-paying for goods and services.
Hey stan. I was wondering if the schwab investor card from american express lets you redeem points for cash same as the platinum schwab card? Or do I need to get the platinum schwab?
I think the Platinum Schwab card is only Schwab card that lets you redeem your MR points for cash back. It's a unique characteristic of the card!
@@TheCreditFrog okay thank you! Also is it risky to get a welcome bonus and then cancel an annual fee card (in my case the gold, and probably soon the schwab platinum). I’ve read online that american express doesn’t like this and they might shut down my other accounts with them. Is this something I should worry about?
Yes, that should definitely be something to watch out for! Make sure to keep your Amex cards at least for 1 year before canceling otherwise they can claw back your sign up bonus and possibly shut down your accounts!
@@TheCreditFrog okay, so in my situation what would you do. I am 19 years old and never really travel so I want to redeem my points (100kish) for cash. If I would have to hold the schwab platinum for an entire year Id probably be charged the annual fee twice right? Since amex charges for the annual fee at the beginning of the year. So at that point it wouldn’t be worth it for me to do it.
Yeah, so I’d redeem your MR points through the Schwab Platinum to your investing account, and then wait until the $695 annual fee posts. After the fee posts, you can chat/call to cancel the card within 30 days, and they will refund the full amount.
What "net effective annual fee" Do you assign the Amex gold? How much do you actually value the Uber and dining credits?
I personally value both statement credits at their full value so my effective annual fee is $10. I eat out a lot so it's NBD to use Uber Eats once a month for pickup at a restaurant I usually go to anyways. In my area, Uber Eats prices are the same as the restaurant. Likewise, there's a Cheesecake Factory and a Shake Shack near me so I have no problems using this credit either. I wouldn't normally eat at Cheescake Factory or Shake Shack normally, so there could be some disagreement about if this is really considered full-value or not, but again, it's not really out of my way, and it just replaces another restaurant I would have eaten at, so I think it still counts!
@@TheCreditFrog Thank you Stan, this is exactly what I’ve touted for the last year. It can be counted as a $10 Net Effective Annual fee for people who order at least twice per month, which id say is the majority.
@@AnthonyVenture No problem Tony! Yeah, I think most people can call the effective annual fee $10, but it depends on how stickler they want to be about valuing the credits!
3rd
César! Just missed it, but you get the runner-up award (4th)!!
Wait,.. where is the beautiful Amex Hilton Aspire?
She has not yet graced me with her presence. One day though! For my Hilton ladder, not sure if I want to go Aspire down or standard HH card up
@@TheCreditFrog There is nothing like having the Marriott Brilliant and Hilton Aspire combo cards!!! Those two cards in anyone’s wallet make you feel taller, with a six-pack, richer, more confident, and like a Saudi Prince.
@@Leoprieto74 Hah! I'll definitely dual-wield these one day! I'd like to know what all those things feel like 🤣
Why did you say that you can't redeem AMEX point for cash back without the Charles Schwab platinum? You have 2 good options at a pennies per point with the business platinum and the Morgan Stanley platinum. You only miss .1 percent.
Yeah, I definitely missed the Morgan Stanley 1cpp redemption - that definitely was an oversight on my part. Thanks for bringing that up! In terms of the business Platinum, I'm not sure if you can redeem it for cash back at 1cpp, unless I'm missing something? There are gift cards and Amex Travel (plus that 35% airline redemption credit), but I thought that the Business Platinum can only redeem for 0.6cpp as well.
@@TheCreditFrog Business Platinum synergy with the business checking account
@@TheCreditFrog you need an amex business checking account to do it.
@@boombstc1 Ooh, I gotcha, thanks for the clarification!
@@LK_EBM Got it, thanks for letting me know!
2nd 🥈
Almost got 2nd Chris! Manny beat you to it! 🥉
I’ve been thinking about this topic a lot - Amex will be on my chopping block next year when my AFs come due. I’m already starting to make the plans.
I took a VX out last month and I’m waiting for the opportunity to get lucky enough to product change a Quicksilver(10+ year old account) to a SavorOne card. That will doom my Gold card and it’s $250 AF.
I took out a Chase Ink Preferred card and that will replace my bonus category work spend for advertising and shipping.
I took out a Blue Business Plus card (50k MR SUB) as a catch-all card for work. I probably won’t give up my Biz Plat because of the benefits and the $5k+ spend at 1.5x (but the Chase Unlimited card looks nice with no AF).
The VX and SavorOne will get the majority of my personal spend going forward. When I was in Amex Pop-up Jail my prospective about Amex really changed.
You and I both! We make plans like a year in advance, haha! I think that’s awesome you’re well set up to get the C1 Duo for your personal spend. It’s such a solid combo, and you already have both cards ready to go, at least one that can be PC’ed.
I think it would be a great overall setup btw by using Amex for business + CIP and C1 for personal. I’m not sure how much you value MR points, but have you considered the Ink Premier card? It’s got that 2%/2.5% multiplier on a charge card like structure, it just suck you can only redeem for cash back. Based on your type of spending, may be worth looking into if you want to drop your annual fees more and simplify your setup!
Of course if you want Platinum benefits, may be better to keep the Business Platty, but just thought I’d mention it!
I think only the M/C Quicksilver can be product changed to the Savor and they are very stingy with the product change offers, but I have time.
I’m probably not even interested in keeping Amex Gold Cards even with retention offers. The AFs are too high.
@@TheCreditFrog I looked at the Ink Premier but I’m not interested in cash back, I was doing that for years prior to points & miles. I feel at 2x catchall cards that I’m ahead of the cash back game.
The Business Venture-X is interesting to me as an unlimited catchall - just waiting to see what happens with it when it is fully released. I already put $22k on my BBP that I got on Friday.
First!
Congrats CJ! You did it!! 🏆🥇🏆
Amex gold worth it for the offers alone, I always get great ones!
Amex Offers are definitely underrated. If you get good ones, they can save you so much money on your everyday spending 👍!