Amex (American Express) Discussion

Only 5% for me this time :roll_eyes:

Oh interesting :eyes:

Which card do you have because I have 10% on both my BAPP and Platinum.

The free Platinum. Used the 10% quite heavily before (and with my now closed Nectar).

Makes me wonder whether there’s a distinction in the offer between the paid and free cards. Potentially AMEX are part-funding this?

But again, it leads me to the question of why this isn’t just a published benefit for one or more of their cards. I can see this being something they’d attach to Gold and/ or Platinum.

Ultimately it makes little difference to me as the end-user, but it would be nice not to have to do the will they/ won’t they/ activate the offer again, dance every time the offer ends.

LNER: 5% on my Platinum AMEX, and 10% on both my Preferred Rewards Gold and my Basic charge card.

I’ve got 10% on the free Rewards Credit Card (ARCC) - I have used it a couple of times in the past, but don’t often use trains.

Only 5%, but it’s there twice.

I’m on an LNER train at the moment so will go and buy a cuppa and find out whether they stack!

I did discover that it works for parking charges at LNER-managed stations too.

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My BA Amex is free and I have 10%. My Marriott Amex is paid and I have 10% on that one too.

I wonder how the percentage offer is decided? I have the BA Avios free card and mine appears as a 1x 5% back. I have, however, availed myself of the 10% back for the past 2 months buying my season ticket from an LNER ticket office, ahd chucking it onto the Amex.

drinks are on me!

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Well, 0.1 drinks anyway.

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The BA Amex now shows your total Avios balance on the main screen not just what you’ve earned that month.

For a moment I thought I had earned a LOT in this one month.

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How many open credit cards did you have when you applied for Amex and were accepted?

Curious to see if the active amount of cards you have causes impact to your application.

From personal experience with both number of cards and overall limit, it won’t inherently have a negative impact.

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Same here. I think I had three cards when I applied and the Amex came with a limit 50% higher than my then high.

I gather that they prefer it if you have at least one card before applying. That said, others have gone for Amex first.

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Amex was my first one, got a very decent limit – Barclaycard later gave me 1/5 of it!

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When I applied for the Plat I already had Nectar Amex plus a Santander CC and Monzo Flex.

After three months they let me transfer the credit limit from the Nectar and close it. The initial limit on the Plat was ok though (£2500 iirc)

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Depends what number it is - which is what I’m curious about.

I had 5, closed two today. One balance will remain close to limit due to balance transfers to it (32 months 0%).

I had a lot more than 5 :sweat_smile: I don’t think the number alone would ever be factored in though. Overall limit, utilisation ratio and total balance would be more important.