American Express Discussion Area

JohalaReewi

BrightonLad wrote:

So it won't automatically close the blue card by getting the platinum card?

That is correct. When you get the platinum credit card, you will have two separate cards and you can choose to keep both open if you want (that is what happened to me anyway). However, if you want to use the platinum for just BTs to get the low rate, watch out for the £15 admin fee if you don't spend enough on the card (£500 over 12 months I seem to recall). Not sure if BTs count towards this total.

BrightonLad

Thanks for that info.


Even if I have a balance on there at 4.9% and they charge me £15 for not making purchases on the card, i think it will still be worth it.

Going to wait til december to apply, so that i have until june to xfer the balance (thats when the current 0% runs out)

pardal51

BrigthonLad,

see this thread: forums.moneysavingexpert.com/showthread.html?t=108081

don't know whether anyone has had any luck withh it, but it may be worth a go, instead of accepting this upgrade offer...

hope it helps!!!

M_Thomson

BrightonLad wrote:

So it won't automatically close the blue card by getting the platinum card?

When you say you were offered an Upgrade what form did this take? Letter Online or Telephone?

BrightonLad

It was a letter

M_Thomson wrote:

When you say you were offered an Upgrade what form did this take? Letter Online or Telephone?

M_Thomson

BrightonLad wrote:

It was a letter

The reason I ask is that even though another poster here was offered a chance to have a Blue and a Platinum, if the offer stated it was an upgrade it might mean in your case that you have to give up Blue if you do take them up on it.

JohalaReewi

When I asked Amex about upgrading a blue to a platinum they said they don't do an upgrade, but I should just apply for a platinum credit card (can do it online or over the phone) and when it arrives, phone them up to transfer things from the blue. However, you don't have to transfer from the blue when you get the platinum, so you could keep both cards active.

DJ1UK

Hi All,

I have an AMEX card and recently signed up to Membership Rewards as I want to transfer the points I have already accumulated to the Priority Club scheme to use them to pay for hotels.

I have already built up a few thousand points and so thought I was already part of the membership reward scheme.

The query I have is that this months statment had a charge for Membership Rewards of £23.50 - this is one month after paying the annual charge.

All i want to do is transfer the points to the Priority Club scheme and then close the AMEX card ASAP.

Any ideas if the charge is correct and if there is any way to get around it?

Thanks

DJ

Wig

Does the blue cash back treat the first 2000pouds always at 0.5%? and anything you spend over that at 1%?

or does it just give you 1% on all your spending providing you spend over the 2000 ish pound threshold?

Re: Above blue/platinum does the platinum give cash back? if not then the best card for an always pay the full amount customer would be the blue...yes?

I was looking today at Amex because I wanted to see the T&c's for the nectar card. I found out they give 1 point per pound spent which is roughly an equivalent of 0.5% cashback But we'd all rather have the cash right? and if you spend at nectar retailer like BP etc....like how often is this going to happen? you get 2 points per pound...equivalent to 1% cashback..

So I give the nectar card a thumbs down and say you're better off with a cashback card.

JohalaReewi

Wig wrote:

Does the blue cash back treat the first 2000pouds always at 0.5%? and anything you spend over that at 1%?

Yes but note that for the first 3 months, you get an introductory 2% back on anything you spend.

or does it just give you 1% on all your spending providing you spend over the 2000 ish pound threshold?

No

Re: Above blue/platinum does the platinum give cash back? if not then the best card for an always pay the full amount customer would be the blue...yes?

The platinum credit card gives money back just like the blue.
0.5% on first 3000, 1% on 3000-7500, 2% over 7500. So if you spend more than 8000 per year on amex then you get more back with a platinum. Although the blue does have the introductory 2% moneyback for 1st 3 months...

I was looking today at Amex because I wanted to see the T&c's for the nectar card. I found out they give 1 point per pound spent which is roughly an equivalent of 0.5% cashback But we'd all rather have the cash right? and if you spend at nectar retailer like BP etc....like how often is this going to happen? you get 2 points per pound...equivalent to 1% cashback..

So I give the nectar card a thumbs down and say you're better off with a cashback card.

Yup, although tesco points on a tesco visa are tempting if you use the deals vouchers (net 2% reward every 3 months).