That’s another 1,000 Amex points straight to your account. It’s an unbeatable return, and there’s no cap on how many points you can earn at the 5x rate. This is why we say it’s the best card for booking airfare. Amextravel.com, you’ll earn 5x points for every dollar you spend. With only 106 clubs around the world, using up the $300 annual credit for Equinox gym memberships or a digital subscription to Equinox+ is near-impossible if you don’t live in a huge city or pay for a digital membership.
The Ameriprise flavor used to be very popular because its annual fee was waived for the first year. That meant you can “test drive” the Platinum Card for the first year at no cost. Amex also treated the Ameriprise Platinum Card as a separate product from the other flavors. Furthermore, the Ameriprise Platinum Card’s unique advantage was the fee waiver. Its fee is $89 , and it lacks some of the features you typically find on airline cards, like free checked bags and advance boarding. But it does come with an annual companion certificate, a rare find on a card at this level that could prove quite valuable.
$200 Hotel Credit
Complimentary Gold elite status with Hilton and Marriott when you enroll. Access to American Express Centurion Lounges, Delta Sky Clubs and Airspace Lounges, as well as Priority Pass Select lounges when you enroll. Points are worth 1.5 cents apiece when redeemed for travel through Chase Ultimate Rewards®. Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. Here is a list of our partners and here’s how we make money.
Authorized users for this card are free, but you won’t get any extra access coupons. Authorized user cards are free, but they do not get additional United Club lounge passes. Earn 4 miles per $1 spent on United purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges. The standard variable APR for Citi Flex Plan is 15.99% – 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
- I think you are spot on with your points on the SCRA and how AMEX actually verifies the card holders status.
- All financial products, shopping products and services are presented without warranty.
- A well-designed seat will provide all the privacy you could ask for without resorting to a door.
- This card is relatively easy to get approved for because it is a Charge Card, not a Credit Card.
The purpose of Play Your Cards Right is to help people travel further and more often for less money. Airport lounge access is available with many travel credit cards. Some cards provide as many free visits as you’d like. Others are more limited, and will charge you and your guests a fee for every visit.
A Complete Guide To American Express Car Rental Insurance
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For our needs, even without much travel an almost free Amex Platinum for myself and my spouse still make sense. The streaming credits, wireless credits, small business and random Amex merchant deals have more than covered all of my fees plus several hundred dollars in the black. Seems there are a lot of hurdles/traps and ancillary fees in the details. As always, it’s individual facts and circumstances that dictate whether a card is worth it. Plus if you’ve had the Platinum before I’d make sure that doesn’t disqualify you from the bonus on this card.
Amex Car Rental Insurance
But the bottom line is that in both cases, the points were able to get me on the flight. With nothing really working out the way I’d like, I decided to do the unthinkable, and I started looking at cash fares. I intended this to be a quick check-off item on the trip booking checklist — just make sure there are no ridiculously cheap cash fares, which there almost never are, and move on.
Essentially, many fees aside from the cost of in-flight Wi-Fi, cabin upgrades, and the plane ticket itself will trigger the credit. Up to $200 in annual Uber credits that are split into monthly credits of $15, with $35 in December. You can also use these credits on Uber Eats – and you’ll get a complimentary Uber Eats Pass membership, too. So like many other travelers with the Platinum Card, I’m left wondering whether it’sreally worth the $695 annual fee. Based on my spending patterns they are both worth having. One benefit CSR has over AMEX is the priority pass include complimentary food at certain airport restaurants for 2 people ($28-30 per person).
You can spend $200 on incidentals or fees on that airline and get the reimbursement posted to your credit card statement. Similar to the Fidelity Rewards Signature Visa, the TD Ameritrade Client Rewards Card is a flat-rate cash-back card. It offers 1.5% cash back on all purchases, with no caps or limits. When you invest your cash back into an eligible TD Ameritrade account, you receive a 10% bonus. Earn 60,000 Membership Rewards®points after spending $5,000 in purchases in your first three months of card membership. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation.
Morgan Stanley Customer Service Representative
11 cents per point means 100,000 AMEX MR points would be worth $11,000. Information about the Upromise® Mastercard® has been collected independently by CNBC and has not been reviewed or provided by the issuer of the card prior to publication. Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases. Investing consistently in the stock market regardless of its current conditions — a strategy called dollar cost averaging — is one of the easiest and smartest ways to grow your money over a long time. Select’s editorial team works independently to review financial products and write articles we think our readers will find useful.
For me I have 100k locked up at Merrill Edge for BOA Platinum Honors benefits so I don’t have the 250k to also get Schwab discount . Even if I did, I like transferring my money around for brokerage bonuses which is worth more than the $100 savings from Schwab. Your best value with the Amex Platinum Card is using your points to book travel.
Right now the Chase Sapphire Preferred is doing a huge 80k bonus. It will probably be that way at least until the end of 2020. I recommend you get a Sapphire Preferred first, then an Amex Platinum, then hit the rest of the Chase cards you want while you are under 5/24. Yes, during your Title 10 service you are eligible for SCRA benefits.
Thoughts On amex Platinum Military 2022
American Express has created a lot of valuable connections in the world of dining and events, which they share with Platinum cardholders. There is a $39 fee per ticket, but you can usually save at least $300 via this program. Return Protection-If a merchant refuses to take back an eligible item within 90 days, American Express will refund the purchase price up to $300 per item with a maximum of $1,000 per calendar year. Trip Cancellation Insurance– This coverage reimburses you up to $10,000 for non-refundable expenses if a covered reason cancels or interrupts your trip. Equinox also has a digital workout membership called Equinox+ for $39.99 per month. Purchases at Saks Off Fifth do not qualify for the credit.
While the Chase Sapphire Reserve is a better rewards card for daily use, The Platinum Card from American Express is the better option for traveling in style. This may influence which products we review and write about , but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. For rates and fees of the Marriott Bonvoy Business™ American Express® Card, click here.
For rates and fees of the Delta SkyMiles® Reserve Business American Express Card, clickhere. For rates and fees of The Business Platinum Card® from American Express, click here. For rates and fees of the American Express® Gold Card, click here. For rates and fees of the Delta SkyMiles® Reserve American Express Card, click here. For rates and fees of The Platinum Card® from American Express, click here.
Trip delay & cancellation coverage if you pay for your round-trip flight with the Platinum Card . There is no cap on how many points you can earn at the 5x rate. Getting your accounts linked to waive the $45/mo fee will require multiple calls. It’s apparently a pain to set this up manually in the system, and normal MS client accounts auto-link based on common SSN, address, and advisor. It’s very clear Morgan Stanley didn’t plan on Access Investing being a significant gateway to people opening up CashPlus accounts. It’s a manual process, you have talk to a rep who desperately wants to transfer you to your assigned advisor to handle this activity — but as an Access Investing client you don’t have one so now they have to handle this call.
Points are worth $0.01 when redeemed as brokerage deposits. Note that there may be tax implications for this type of reward redemption, so consult a tax professional before choosing this option. We may receive compensation from the products and services mentioned in this story, but the opinions are the author’s own.
And, with $1k in AmEx Platinum spend, which you’d probably use for flights anyway, the annual fee reimbursement is tax free. In effect, when combined with Access Investing, you get a $550 tax free return on the $25k, assuming you’d carry the AmEx Platinum anyway. At top federal and California rates, that’s a 3.8% tax equivalent yield. Lounge access – sometimes you have to get to the airport early. If you fly commercially for any significant number of flights, you’re going to see benefits from the lounge access . I would also say, I’ve used a lounge on arrival at least 5-6 times/year. Either waiting for pickups/meetups, showering before meetings after red-eyes, etc.
Can I Make Edits To The Morgan Stanley Worldwide Customer Service Data If I Own The Company?
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Getting a premium travel rewards card can be a big decision. But if you can utilize the benefits and credits, the Amex Platinum card can change the way you travel – for good. That’s the only way to make sense of paying the Amex Platinum annual fee. Annual Fee of $695 (see rates & fees), which is not waived for the first year of card membership. American Express will completely waive your annual fee. Also, I still think you’re not thinking creatively enough on some of the Amex benefits.
One unique benefit of the Morgan Stanley Platinum is that the first authorized user is free. Normally, it would cost $175 for other Platinum versions.
So let’s dissect all these benefits and whether it’s worth the cost. For more information check out our Advertising Disclosure. When it comes to CC benefits, your mileage will always vary. That’s why I always laugh when someone makes a broad generalization about a CC’s superiority. morgan stanley amex platinum fee waiver Or when people claim a CC sucks because it doesn’t fit their behaviors. Everyone has different behaviors and people should remember that when choosing or recommending a CC. So I typically go for months without using it at all, then have far more than $15 during a trip.