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@revcounselor
6 ай бұрын
The Hilton Gold status gets me a bottle of water upon check-in. So, that's a whopping $1 benefit.
@JazzyMarineVet
9 ай бұрын
The $8k spend May be a bit for some, but spread out over 6 months could be doable. I waited to apply until I had some big purchases: 6 month car insurance for the family, new tires/car maintenance, laptop and monitor, vet visits for pets: shots, groomed,teeth cleaned(i know), made advanced payments on my utility bill, new glasses & contacts(reimbursed by health insurance). I hit the $8K spend in 2 months. Didnt want any manufactured spending to raise a red flag. I set aside the money to pay it off by the due date though, no balance.
@joesegreto1795
9 ай бұрын
The Equinox credit is useless. If they can swap that out with another more beneficial credit it would make the card a better bargain
@cannoncox3897
9 ай бұрын
I snatched up a 190,000 point welcome offer for the business platinum. Excited to put those points to use. Already have two trips planned to Europe. Business class flights await! 😃
@M132K60
7 ай бұрын
Just got approved for Amex Platinum, waiting for it in the mail. Your video was the best review of the benefits on YT. Thank you!
@tomedwards8966
9 ай бұрын
The Walmart membership is the sleeper benefit for me. Allows me to use the Sam Club gas station that saves me several bucks a tank each time vs the station next to my house. It allows me to use my 10x gas card on top of it, which doesnt work at Costco because it is a mastercard, which gets me another $3-4 each time.
@dgasmd1
9 ай бұрын
Which 10x gas card is this??? Share the gold!!
@tomedwards8966
9 ай бұрын
@dgasmd1 it is the Gemini crypto card. Only worth it if you are into crypto probably.
@Crazychanzo
9 ай бұрын
I agree! I also use the scan and go feature at Walmart. Still have to wait in line to check out but it saves me time on scanning my stuff
@FlintIronstag23
9 ай бұрын
Charles Schwab will pay the whole $695 AF on the Platinum and also the $250 AF on the Amex Gold. The catch: You have to have at least $10 million invested with them.
@Thesinistereyes1
9 ай бұрын
AF shouldnt even be an issue if you have that kind of money anyway. But it's a nice gesture.
@FlintIronstag23
9 ай бұрын
@@Thesinistereyes1 It is a nice gesture considering JPMorgan Chase won't do that with their JPMorgan Reserve card. You are expected to have at least $10 Million invested in their private bank before you get an invite for that card and then they make you pay a $595 annual fee. The AF should be waived for clients with that much money invested with them.
@JazzyMarineVet
9 ай бұрын
I transfered MR @1.1 CPP sign up bonus for gold(80K) and plat(100k) plus the reqiured spend to the schwab platnium brokerage account, I have none of my own cash in that acount. My return on schwabs growth mutual funds and EFTs has returned $785 in 6 1/2 months. That covers the annual fee and does not take into account the coupon book options. At this point it is a keeper.....please no annual fee increase through 2025, please please amex
@CaliGirly12
8 ай бұрын
😂
@TOP5GENERAL
8 ай бұрын
I hate how this was the top comment so i click and that catch caught me by the neck
@kaina732
8 ай бұрын
I plan to apply for the Platinum later this year. I know that I could use the $200 airline fee credit, $200 Uber eats credit, $240 Digital entertainment credit and maybe the Saks $100 credit. So I am close if I can use those. Not to mention the Priority Pass and Centurion Lounge access.
@junhaoxu2724
9 ай бұрын
One fairly important change this year (effective Jan 1 2024) that could be important for some - Delta Sky Clubs stopped permitting folks flying on Basic Economy tickets to enter with the Amex Plat. This destroys a lot of value for me since I frequently take the LGA-BOS shuttle.
@gsctrading7215
9 ай бұрын
Agree, and they did the same with the Delta Skymiles Reserve card. That's a big setback for anyone taking the Delta Shuttle out of NYC to Boston, Washington DC or other cities. Also, even if one does not fly Basic Economy most of the time, just the concept that they are taking away that option while you're still paying that high annual fee is a big ding on both the Platinum and the Delta Reserve cards from my perspective. Notably, neither American Airlines nor United have stopped offering this option on their premium cards, which should make Delta look even worse.
@usanewsamerica
8 ай бұрын
The only reason for me to downgraded to gold card! I just got the gold card which makes sense for me. Even for coffee it gives me 4x! I am happy with the gold card
@billwright2176
9 ай бұрын
Sirus xm is $7 a month including taxes. Thats the cost if you tell them your canceling.
@kodypemberton
7 ай бұрын
Facts. Been doing this since 2012 LOL
@Edmuresrampantmanhood-dp3jd
3 ай бұрын
I kept telling the person on the phone after my free trial that I wasn't interested at all (I never used it). They argued with me for like 5 minutes, which is a great way to get someone to give you money./s
@len10100
9 ай бұрын
Great video!! I keep getting pre approvals on the Amex platinum with a SUB of 125k points. I’m very hesitant to apply just because it is a hefty amount…but watching your video now I might consider it more. Thank you!
@ravman1184
8 ай бұрын
125k points, 10000 points = 100 dollars ,do the math , you can always cancel after a year .
@kimgrod
9 ай бұрын
Your Walmart+ also saved $0.10/gallon. That can add up quickly.
@Ljberkow
8 ай бұрын
You have to value the return based on what you'd get from another card with other spending. Once they drastically changed the fee for authorized users, I lost a lot of value on the card. The benefit I miss the most is the International Airline Program. I might get the card again before booking my next international flight. Savings on a premium economy round trip for two to Europe would offset the total fee. I would do that and not renew my Hilton Aspire, which I earned 180K in SUB for this year. That's not a keeper card, and like the Platinum, has crappy points multipliers. The Amex Hilton Surpass, on the other hand is a great card.
@iTzDritte
9 ай бұрын
Retention offers help reduce the annual fee. I got a retention offer during each of the last 3 years. They were 20K MR for $3K spend in 3 months, a $150 statement credit with no spend requirement, and 20K MR with no spend requirement (newest to oldest).
@cruz5327
8 ай бұрын
I don't understand what MR is. Can you give some more detail on how the retention offer works?
@ales5956
14 күн бұрын
Hey Ben! I have dual citizenship and I'm curious to apply to the credit card in the other country where I hold citizenship, do you know if other people have done so? Any tips? Thank you!
@TheCreditShifu
14 күн бұрын
You normally need to live in the country i.e. have an address there where the card can be sent
@ales5956
14 күн бұрын
@@TheCreditShifuThank you for the info!
@zachirving7993
8 ай бұрын
I had a question. I see on the AMEX website there's now verbiage of UBER credits are now for basic card versions only. Implying that the Charles Schwab and other versions of this card do/will not receive? This is the version I was the most interested in applying fo. Can you verify if you are still receiving on your CS Plat card?
@TheCreditShifu
8 ай бұрын
I got it on Jan 1st, I’m literally just eating Thai food i bought with it haha. But hopefully it will come again next month. Could basic also refer to the primary carholder only, not AUs
@Flyin5013
9 ай бұрын
should i go with venture x if i plan to travel 1-2x a year
@Vegas3662
8 ай бұрын
Terrible customer service. I think it makes sense to get the bonus, but I would not keep it for multiple years.
@Flyin5013
8 ай бұрын
@@Vegas3662 yeah I’ve been seeing that. With only having the quicksilver so far I haven’t needed to call them yet. I could get a nice hybrid set up going with the Wells Fargo autograph, savor one and venture X
@ericjhli6777
9 ай бұрын
Walmart+ is very useful for me, I order water for my mom, which’s in apartment, really life saver for me 😂
@HskHeroReborn
9 ай бұрын
Amex platinum and delta platinum is a good combo for me. Let go of my reserve after 5 years off use to much claw back on cash for points value
@M132K60
7 ай бұрын
That is the combo I am going for this year after using just Amex Delta SkyMiles Gold. Been using Delta Platinum and waiting for my Amex Platinum in the mail. Hope I make it work 😂
@clausellray
9 ай бұрын
Hey Ben great video so when you flew Delta I might have missed it how did you fly? I think if you fly basic you can not use the Delta lounge? Is this true or do I have something wrong? Thanks for sharing and keep that content coming
@TheCreditShifu
9 ай бұрын
Right, basic no longer gets lounge access. But i cant fly basic with kids we need to sit together
@DrummyCovers15
9 ай бұрын
What fare would you need to buy in order to qualify for the lounge access?
@MajorPineapple12
7 ай бұрын
@@DrummyCovers15 main cabin and up
@markrowland6494
9 ай бұрын
I am thinking of cancelling my UK Platinum card, do Amex still do retention bonuses?
@BTUCK03
8 ай бұрын
I tried to get a retention bonus this year and they said no so I closed account and went for an Aspire card instead.
@kalashnikov8420
9 ай бұрын
AA miles still the best to use
@ssuncin
2 ай бұрын
You want ME to shop at Walmart !! 😂 Cmon man
@34skyline
9 ай бұрын
i'm in popup jail with the platinum, I have no experience with the card and would like to get one but if i'm paying $695 I will need a SUB to go along with it to help offset the annual fee
@Nom_AnorVSJedi
9 ай бұрын
How do you get Mobil gas with the Walmart membership?
@TheCreditShifu
9 ай бұрын
Go to mobil, open the walmart plus app and scan the QR code on the pump and pay through the app
@SickStyle201
3 ай бұрын
I’m also in the 2 daughter club 🤣
@veggito13
5 ай бұрын
Forgot to mention the PreCheck/Global Entry Credit for optimal ease of travel in combination with Clear
@FatStacksAcademy
9 ай бұрын
Amex plat is worth it every year as long as it’s your first with the SUB :)
@77Joseph777
9 ай бұрын
It’s the only card I’ve “churned” 😂 AF is a killer
@djpuplex
9 ай бұрын
Only to influencers that peeled it, people who don't know better,. people who want clout, people who travel a insane amount.
@77Joseph777
9 ай бұрын
Got the SuB and canceled after first year in November.
@wilfredpapaya4739
9 ай бұрын
That’s the plan for me.
@JazzyMarineVet
9 ай бұрын
Did you try to get a downgrade offer with MR points? like down to gold or green>?
@77Joseph777
9 ай бұрын
@@JazzyMarineVet I did not downgrade as I already have the Gold card and I’m waiting until later to apply for Green. If you downgrade to Green then you can lose the potential to receive a sign up bonus.
@cruz5327
8 ай бұрын
What is Sub? I keep hearing this word and can only thing of youtube channel subscribers
@ivangc33
8 ай бұрын
@cruz5327 i believe it's forthe subscription bonus
@dgasmd1
9 ай бұрын
This is the year most that actually use their cards and expect to make Amex work for them turn their backs to it. Me included!! And to be fair, it is entirely Amex’s fault due to their ridiculous increase in annual fees and their even more ridiculous coupon/nickel and diming benefits.
@nicknedelcu
9 ай бұрын
I got even more than this, I cracked my phone screen and they paid to fix it 🤯
@JazzyMarineVet
9 ай бұрын
Now that is a great reminder.....replacing a phone can cover the annual fee quickly. Especially if you are not eligable for an upgrade
@gsctrading7215
9 ай бұрын
@@JazzyMarineVet You're better off using a debit card that offers cell phone protection (a lot of debit cards offer that protection without having to pay an annual fee), now that all major cell phone providers no longer offer a discount on autopay with credit cards and offer it only with either a debit card or an ACH from a bank account.
@DeloreansWorld
9 ай бұрын
How did you get them to replace screen? Did you purchase the phone originally with your Amex card ?
@ChrisD1865
9 ай бұрын
Canceled mine two days ago. No retention offer either.
@nutrition824
9 ай бұрын
Bad move you never cancel credit cards You always downgrade to a no annual fee like this your credit score won't be hurt
@smileychess
8 ай бұрын
@@nutrition824 - It only hurts your credit score if that card is old enough to increase your average length of credit. If anything, it can help your score if the card is newer and you have a long history.
@Ljberkow
8 ай бұрын
@@nutrition824 You can also replace the card with other travel cards that can replace benefits lost with much less annual fee. The Gold is still $250. The Green is still $150. Cancel it and replace it with cards with sign up bonuses like the AMEX Hilton lineup is a better strategy. That turns the cancellation into a huge win. The 480K in sign up bonuses I got with those three cards is conservatively valued at $2,400. I may downgrade the Aspire after year 1 to a second Surpass, but might keep it.
@mplevesque1
8 ай бұрын
The Airline and hotel credits are useless to me and unless you are a travel freak not sure you would use it every year. Even when I travel every other travel site is far less expensive than booking via AMEX travel. Also, the Equinox is useless.
@TheCreditShifu
8 ай бұрын
Then I would say this card isn’t for you. You may want to consider something like the Capital One Venture X
@jagicyooo2007
9 ай бұрын
moral of this video: stop eating chipotle or 3ninja
@darkwoodmovies
8 ай бұрын
Amex Plat's benefits have been gutted completely. The ONLY reason it was useful was for the Delta lounge access (or having access to the AMEX ones w/ guests). The rest of the perks were kind of just there to justify spending so much per year just to get lounge access. But now, they destroyed the main benefit and the rest just do not justify spending so much on the card.
@Ljberkow
8 ай бұрын
You can get many of the same benefits with cheaper cards. You are literally chasing savings just to earn the AF back. You can get priority pass access cheaply with other cards and same with gold status with Hilton. The Platinum is great for international travel, but too many people have the card for stupid reasons and that allows AMEX to maintain that ridiculously high AF.
@hardlife507
4 ай бұрын
@@Ljberkowthe only reason I want is to get my amex gold points into my investments.
@PingPingTravel
9 ай бұрын
It is only worth it for the welcome bonus and then nothing else. Maybe if you only travel domestically, then it is ok, but the other world doesn't accept Amex and Amex offers are pretty much limited to the US and select other locations around the US like Canada and Mexico area.
@JohnSkyLey
9 ай бұрын
Amex Platinum is still the best card out there
@curmudgeonextraordinaire1884
9 ай бұрын
No, it’s not. Not for everyone anyway.
@nutrition824
9 ай бұрын
Best travel card not the best overall
@accidentalmadness1708
8 ай бұрын
Not really
@Ljberkow
8 ай бұрын
Only if you travel internationally or use Centurion lounges more than once a year (and don't have to wait) or regularly fly Delta. Other than that, it has weak multipliers, is expensive, and drives behavior and spending to things you may not have paid for without having the card.
@rehanjawaid8341
6 ай бұрын
you are telling us about buying socks? mate you need to get out more...
@TheCreditShifu
6 ай бұрын
Right, get out to some stores that sell socks
@Kiwi_Dave
9 ай бұрын
maybe you should have spent some money on a jacket that fits.
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