r/amex

Stayed in nyc back in mid march and used 30k points for hotel stay. However still they haven’t been deducted from account even though in the amex travel app I can find the redemption info with the -30k. I just got an email congratulating me on getting 100k this year… which would be including that 30k.

I’m looking to get my third credit card 750+ credit score with 1 yr and 4 months. I live alone so I spend around 5k a year on groceries, spent 2k on food last year but I’m already past that this year so I wanna get a food/grocery card to maximize my earnings in those categories. I currently have the freedom rise(first card) and the freedom unlimited. What are y’all suggestions?
I can comfortably meet the spending requirements for most cards too

I’m looking to get my first amex, I have a credit score in the 700s, 9 months of history. No debt of any sorts except of course what I owe on my current card this month. In terms of income, I’m a student so I have a co-op that pays me for the summer and I’m enrolled in a co-op program by my school so if I find another one next year or get a callback I can continue to show that small income.

Was looking at the green card because no annual fees but now I have my eyes on the cobalt/simply cash preferred just because of the cash back/points.

Also, I added a flair to my account because it wouldn’t let me post without adding a card but I don’t have the basic card.

The interest on my AMEX CD 4.00% APR previously increased from month to month. and then this month the interest I got back was less than last month’s? Can someone help me understand? Thank you in advance.

I’m about to plan a trip in September 2027 with my 73 year old father. It’s 14 days and we plan to land from somewhere in NA in Cape Town (few other flights in between). We are near PHL, JFL, D.C. - all reachable. We can also fly to Atlanta without factoring in cost.

Here’s my primary ask. I have 2Million+ Amex points. I’d like to potentially use to upgrade business or first from a booked paid flight. What are my best options? He would really lke to do Emirates.. and I can afford to do the business on cash but 1st seems crazy. Mostly this feel like a trip I can spend some miles… I just don’t want to burn them.

One way or another I’m going but I expect to be near 3M points by time we fly so would be great to effectively use those point while heading to Cape Town and then North for Safari in about 16 month

Recently got hit with my first charge from Pay Over Time (mistake on my part, didn’t set up autopay and we had piss poor service in Japan on our honeymoon, Amex app seemingly needs strong service…). Understood the late fee but got charged an additional interest fee for Pay Over Time. When looking at the breakdown the math doesn’t make sense to me though. APR is roughly 19%, DPR is .0534%, and the statement balance that was missed was $735. I was charged $50 for a billing month with 30 days (April) and no rollover from the previous month. Wouldn’t this equate to $11ish, not $50?

Edit: solved, interest for Pay Over Time was incorrectly applied to an extended period with a heightened daily average. The entire fee was removed. Always check your statements and verify the math people, asking questions never hurts!

I created my CD account and had to close it.

Couple weeks ago, I tried to deposit my extra money to Amex cd account. Due to both my mom and me on the bank, Amex can't accept wire transactions. I called them, they told me to write a check and sent it to them. I did. Couple weeks later, they cashed my check but didn't deposit my money. I called them again. They said they had my check but they were confused because I had 2 accounts and they didn't know which account they should deposit. I only had 1 cd account which created couple weeks ago. I confirmed with them. Even on the check, I did write deposit to this "account number". They said they would do it and I would see my money in 48 hours. 3 days later, nothing happened. I called again. They said they couldn't connect to their office and asked me to call again. 2 days later, I called again. They said I tried to deposit my money before and it didn't go through so they couldn't deposit my check. They were the one who told me to write the check. Now they said I had to cancel this account and created a different one while they still kept my check. I am so done with these BS so I asked them to return my money. They said they would send the check back to me. Hopefully it won't be lost. Also, if they cashed the check, how can I deposited it back to my bank?

Are there any options available to maximize Reward Dollars earned through the Blue Cash Everyday credit card? Or are the only options available just the redeeming for statement credit?

I appreciate any responses. Sorry for the noob question, couldn’t find a solid answer online.

Hi, my checking account was closed by AmEx due to zero balance for a while, and the MR pts linked with it got forfeited immediately, without a grace period for redeeming or transferring out.

I understand that the rules are in their terms, but I'm surprised that they didn't give a notice ahead to remind the zero balance issue, and that they can just immediately forfeit the MR pts without a grace period, which is essentially robbing the money from the customers; definitely not a good will of those terms.

A previous post indicates that there could be a 90-day grace period, at least for NY residents, suggesting that some state law might see this kind of action of AmEx illegal. I'm wondering: Are there any successful class action cases on this issue? Thanks for your attention and information.

For deposits, withdrawals, transfers. I have Marcus HYSA but I’m looking to switch because their transaction alert system is really limited.

Since I’m trying to moving my Checking and HYSA into the AmEx ecosystem, I’d like to add an extra layer of security. I wish AmEx would at least support TOTP, but they don’t.

Their website does have a page indicating support for Passkeys and specifically how to set them up. The directions don’t appear to work for me. I tried chatting and calling in, and while helpful in the past, the agents were clueless as to what a Passkey even is.

Does anybody have, or previously have a Passkey on their AmEx account?

I’m 19, but I’ve had a CC since I turned 18. I’ve never missed a payment and Amex just increased my limit to $18,000. I really appreciate how willing they are to regularly and liberally increase my limit as long as I pay in full every month.

There’s no way I’ll use the full $18,000 but I like the fact that I can spend whatever I want on my cards every month without worrying about going over the limit.

Thinking about getting the American Express Green Card mainly for the welcome bonus and to get into the Amex charge card ecosystem. The American Express Gold Card probably fits me better long term, but I’m considering Green first since Amex only gives one welcome bonus per card.

From what I understand, I could potentially upgrade Green to Gold later, but I’d probably rather apply for a new Gold card since the welcome offer is usually better than upgrade offers.

My main concern is what to do with the Green after year 1 if I don’t get enough value from it. Since there’s no real downgrade option below Green, what have others done? Cancel it? Keep it?

If you canceled the Green after the first year, did it affect getting Gold, Everyday, or other MR cards later? I’d open another MR card first so I don’t lose my points.

Hi everyone. So around the start of April I "activated" an Amex offer and made the purchase on the same day. However, the offer never came through so i opened a chat with a customer care rep and they told me even though it was added to the card I needed to wait 24 hours prior to making the purchase for it to actually count. Is this normal and can anyone find it in text? I asked them and they said most offers say it when you activate them but I've activated a few and can't find anything other then a vague "activate prior to transaction". Thank yall for reading my question/rant.