I booked a hotel with a no cancellation policy and a few weeks later found the same hotel significantly cheaper for the date I was staying. I got on the phone with Amex and the rep put me on hold, called the hotel manager, and got them to cancel the reservation so I could re-book at the lower price. Amex customer service really is top tier.
I bought a computer monitor from Amazon, after 45 days of purchase, I found out that the audio was not working in the monitor. I talked to Amazon, they gave me an option to return it, even after the return period was over. But since I needed a monitor all the time for my work, I told them I need the monitor all the time, so if they could send an replacement & collect the faulty. They couldn’t do that, so they refunded me 20% of the price of monitor & let me keep the monitor. Still, the issue remained, I can’t get the monitor repaired for the amount amazon gave me, hence I filed purchase protection with Amex. I couldn’t believe what happened next morning, they credited the full amount of the monitor to my card, even though I mentioned that I already have 20% from Amazon, without asking for any proof!! No wonder Amex is the top player in credit card game!
Unless I missed it I did not hear a word about the extended warranty benefits. I have literally saved hundreds of dollars over the years. Amex Gold will double the manufactures warranty up to 1 additional year if the item you purchase has a warranty of 5 years or less. If you purchase an extended warranty for an appliance the extra year is added on AFTER the extended warranty ends provided that the extended warranty is for 5 years or less. So you could have an appliance covered for 6 years!
I can say that purchase protection really came through when buying resale concert tickets got me one that was unusable. The Amex Gold quality assurance is so OP.
FOR REALS!! long story short. Paid $1700 for a festival in Vegas, bought tickets on stubhub, one didn't work (still got in but. barely BARELY) CALLED TWO DAYS LATER about what happened, did full investigation (amex) FULL FUCKIN REFUND!!❤❤❤ so went to the festival for FREE. AMEX IS THE SHIT!
If John keeps advertising the secrets of the return protection, that benefit will mysteriously disappear. The special offers are great to keep an eye on. I always whenever I am going to make a big purchase (or at least anything I would classify as non-essential). The problem though is 99% of the time they are for very niche companies/brands. And then when there is a good one for say like Walmart, its only if you purchase through the website and not in store. Which may not always be a viable option. Definitely worth a few minutes checking out though since you never know 🤷♂️
Anyone considering the gold card May also wanna check out the green card. It’s $150 AF but currently it’s offering some top tier benefits including clear plus membership (which pays the entire AF and some).
Amex actually refunded a purchase the seller refused to refund when returned. I bought some galaxy buds2 pro. Got them and didn't like the fit. Contacted seller to return them. Seller refused to return. Contacted amex, they took up the claim for me and I got a full refund. And kept my rakuten points on top.
Always add all of the offers to your gold card always. I've checked my statement and I've gotten credits for Jersey Mike's subs GNC and other random purchases that I had added and got that statement credit and I wasn't even trying
I’m 20 this was my first card I kinda regret it because I live at home and don’t buy groceries but I do eat out a lot , I’m a barber so I can just do the annual fee as a right off , any other cards you’d recommend? Imma PAY IN FULL tho you’ve taught me so much thank u
I'm 20 too n I manage a shop (not an owner) I basically live alone my mom vists me here and there, but besides that, I pay for my own groceries, gas, phone bill, other recurring bills, and eating out ALOT🤣🤣 basically I pay for everything besides the utlities. I just got approved for this card so it'll be my 2nd card and tbh it sounds perfect for me I also travel 2-3 times a year. idk what limit they gave u but i got 12k and I plan on using this card for things I pay off immediately and use my td card in cases where I need to more time to pay. Maybe look at RBC cards or CIBC, Scotia bank, BMO. But lets be honest bro one reason u and i got this card was for the flex🤣🤣
You forgot to mention that both of the American Express gold benefits do not work overseas, meaning this card is limited to the domestic traveler. Not even speaking to the fact that Amex isn't taken half the time overseas. And that begs a question, is this really a travel card or a food card?
I had no trouble using my Amex Gold in Amsterdam at all. In other parts of the Netherlands it was accepted in many but not all places. I've also used my card in England and Greece.
@@kena9022 none of the credits work overseas. So you are not offsetting the annual fee at all. There are a ton of points transferable cards that earn 3x on dining and groceries, in fact 5x with the Citi custom cash. All for $0 AF. In South America and Asia 75% of the time you can't pay with an Amex card to boot. The platinum and gold are let's face it domestic Flex cars not cards for the serious traveler. I have 3 Platinum cards the Morgan Stanley the vanilla and the Charles Schwab, a gold card, a green card, and 4 other American Express credit cards. Eight out of the nine cards are being canceled since I am moving to Europe. None of the credits work overseas.
Thanks, John, as always, great content. New to charge cards, Amex Gold holder here. Curious which is best, healthy statement balance then pay total at due date or pay down to smaller amt before statement date, then pay total at due date?
Based on what I’ve read, there isn’t much of a difference, because there is no preset spending limit. In other words, AmEx has nothing to report in terms of credit utilization. That being said, the balance alone may still get reported, so there’s certainly no harm in paying it down if you can before the statement closes.
@@kingsamvisuals For sure.. I just completed my bonus on the Amex Gold for 90k points and $200 back. I don’t know if it’s still around but it might be.. I got my Amex gold in the beginning of March.
@@Jnay213 yes it’s still around I went back to the website and now it said 90k. The thing is I’ve been having the savor one so I feel that’s just like the express gold so I should go with the venture x but idk if I’ll be approved for that one
Well, I’ve heard that you could contact the hotel, or give them your rewards number at check-in and get the points for the stay. You might also be able to add the stay with some type of confirmation number that Amex would give you. Don’t quote me on that though. 😊
@@aviationandotherstuff6571 I can actually confirm this, i gave them my hilton number on checkin and was able to get at least my gold benefits for breakfast but not the points for the stay.
You pay the annual fee for the card which is $250, then when you spend money on the places that they specify, Amex will refund up to $10 monthly after you made the purchase.
Lost is when you know where it was, and when it went missing. Mysterious disappearance is when you are not sure where it was, or when it went missing, but you are sure you had it somewhere, but you just can't find it.
This is incorrect. "Mysterious disappearance" means it was "lost by negligence by the owner." Items are also ineligible if they are part of criminal or commercial circumstances.
Great video. I am confused with cashback and points in general. I have 3% cashback in my amex card entry level card on supermarkets. How is it different from 4x points in Amex gold?
I can understand how on the surface it may not make much sense. I will try to help clarify... With points the whole idea is that you can leverage all your earned points when you go to redeem them (or transfer them) so that they can potentially be worth more than their face value (face value meaning roughly 1c per point, which is pretty standard). But that pertains more to travel redemptions such as hotels and airfare. If you want to redeem your points for cash, you typically will get less than 1c per point. So points cards are really geared more toward travel. With a cashback card, you get straight cash back redeemable at whatever percentage the card has listed. i.e. 3% = 3c back per dollar spent. Sometimes there will be some travel redemption options for cashback cards, but there usually isnt any way to leverage them for higher redemption rates like you can with points. Hope that helps!
The Amex card are currently making it I got my after the activation the next 2 days I got $500k you should try the Amex card ,I sent you the info here if you’re interested
Hey John, Love your videos, very informative, big fan, please keep up the good work. So I've been considering applying for the AMEX Gold Card and I find myself torn between two offers. The first one is through referral links, which offers a reward of 90,000 points after spending $4,000 in the first six months. The second one is a deal from Resy, where I would earn 75,000 Membership points after spending the same amount in the same timeframe, and also receive a 20% statement credit on restaurant purchases, potentially amounting to $250 back in my first year of Card Membership. I'm under the impression that this $250 could be viewed as the equivalent of an extra 25,000 points, making it a total of 100,000 reward points. So, I'm essentially comparing a straightforward reward of 90,000 points with no conditions, to a potentially larger but conditional reward of 100,000 points. I'm keen to hear your thoughts on whether I'm interpreting these offers correctly and which one you think might be more advantageous for me.
Thanks for bringing this Resy offer to my attention! At first glance, the “extra” work required to receive the $250 bonus didn’t seem appealing. However, it’s really just spending $1250 within that first year of card membership to get the $250. Additionally, spending $1250 at restaurants would earn you 4x on points and is equivalent to 5k points. One thing to consider is what the 15k points could get you if you are considering transfer partners and transfer bonuses (sometimes up to 30%).
@@adrianescalante8313 you’re right. But the said person has to know how to get the most optimum value from transfer partners otherwise it really doesn’t make any difference whichever offer you choose
America express gold is good best I hope get $100 every 3weeks then 4th and 5th per week I try get 6 I would like to apply to America express gold I will not get America express gold in USA I stay in Regina, Saskatchewan, Canada then The America express gold Center will mail to me then I get mailed with letter with new america express gold If not work in USA center mails me I get rewards with america express gold If not work open with join Try to get america express gold card
hahah THIS is why I love our community. This is big-brain thinking right here and something I've never thought of. But I did look in the terms and conditions of the benefit and sadly that won't work. Section 8. Motorized Devices or Motorized Device parts are not covered.
@@johnsfinancetips that's quite interesting considering the fact that it would be easier to track down a stolen car rather than a stolen luxury watch that costs the same.
@@nishankamin I'm saying that they don't want to pay the fee associated with accepting a credit card for tens of thousands of dollars. They will absolutely sell you the car, but they will only allow you to pay for a few thousand of the cost on a credit card.
I saw quite a few people unhappy with the high prices of the hotels on the travel portal saying that it was always going to be more expensive to book hotels through the AMEX portal but if you can just get the best price you can find by filing a claim . . . Well that’s amazing! 🤩
I don’t think it affects the percentage I’ve had the gold card for four months now and my credit profile says that my utilization has been at 10 percent
I’m sure it still counts towards your credit utilization, as I’ve seen the balances reflect on my credit scores, so I always (try to) pay off my charge cards.
No that's a great question. It'll impact your overall utilization as you'll still show a balance. But it won't report a utilization itself because there is "no limit". Hope that helps!
I forgot my AirPods Pro 2 at the gym in one of the machines because it died on me and I didn't have a pocket. I asked amex if they could refund it somehow since it was lost/stolen but I never got any compensation from it since it was only good for 3 months. Amex gold purchase insurance isn't as useful to be honest. I only had my AirPods for 7 months and their insurance only covers until 90 days. Although I love the idea of x4 in grocery and restaurants, their insurance isn't useful at all.
Next time buy your airpods from costco, I have no joke bought returned 8 pairs of airpods because buttons stopped working, water damage, or because they released new ones with new features.
Is it worth it if I don’t travel ? The main thing we spend money on is around $15,000 a year on groceries and $3,000 on gas . Prolly another $8k on Amazon
The price match does not always work. There are several exclusions. I just went through this while booking a Vegas trip. They won't match FHR or HC bookings.
There are many reasons to love the Amex Gold card, but it's definitely not a card for everyone. Just be sure to make sure you'll naturally get positive value from the credits on this card and that you want to use your Amex MR points for travel and then enjoy these added benefits alongside that! Great video once again John!
Hello John, I have a question for you, I haven’t had my first credit card yet! What bank should I open my first credit card? Planning to join the military as a reservist and go to college!
The Amex card are currently making it I got my after the activation the next 2 days I got $500k you should try the Amex card ,I sent you the info here if you’re interested
Just for $240, probably wouldn't take it. But for 90,000 MR points it'd definitely pay 200-300. Plus purchase protection, fraud prevention etc... definitely worth it
@@isaacnava9364 I have the card. But let's be honest the reason you get it is the SUB. Let's not pretend the $240 split into increments of $10 per month is worth anywhere close to the face value. These coupon books are just hard to get good value out of.
Maybe to you, but the $10 credits are extremely easy for me to use. Paired with the $15 credit from the Plat each month I've gotten a few days worth of meals with the credits.
How do you think through this decision? Get 3X on dining with Chase Sapphire Reserve, and redeem those points for travel at 1.5X, versus dining out at 4X on the Gold Card? It seems the CSR would be the better dining card. Where is my thinking off?
Chase is theoretically better if you plan to redeem for cash or on the portal. But if you transfer out to partners, whichnis what most credit hobbyists do, then they both transfer out at 1:1. In that scenario 4x is always more than 3x.
That's a great question. For me personally it's where I think I want the points to be used. Chase I transfer to Hyatt and Amex to flight partners. So in my situation I use both and lean on one when I need points on a particular program
@@johnsfinancetips Thanks. That’s what I do as well. When I’m trying to build up Hyatt points, I use the 4.5X CSR redemption, and when I want Delta miles (I live in a Delta hub city), I use the 4X Amex redemption.
![[Full Guide] How to Climb the American Express Ladder in 2024](http://i.ytimg.com/vi/g5PdY-Kcduw/mqdefault.jpg)
Feel free to check out the card here for more info and let me know any questions! www.comparecredit.com/credit-cards/american-express/gold-card?
No work on apply it no work apply on
I booked a hotel with a no cancellation policy and a few weeks later found the same hotel significantly cheaper for the date I was staying. I got on the phone with Amex and the rep put me on hold, called the hotel manager, and got them to cancel the reservation so I could re-book at the lower price. Amex customer service really is top tier.
was that with platinum or gold?
@@yasht7957 it was booked on platinum, but I’d bet they would’ve done it for a gold card too.
I bought a computer monitor from Amazon, after 45 days of purchase, I found out that the audio was not working in the monitor. I talked to Amazon, they gave me an option to return it, even after the return period was over. But since I needed a monitor all the time for my work, I told them I need the monitor all the time, so if they could send an replacement & collect the faulty. They couldn’t do that, so they refunded me 20% of the price of monitor & let me keep the monitor. Still, the issue remained, I can’t get the monitor repaired for the amount amazon gave me, hence I filed purchase protection with Amex. I couldn’t believe what happened next morning, they credited the full amount of the monitor to my card, even though I mentioned that I already have 20% from Amazon, without asking for any proof!!
No wonder Amex is the top player in credit card game!
Unless I missed it I did not hear a word about the extended warranty benefits. I have literally saved hundreds of dollars over the years. Amex Gold will double the manufactures warranty up to 1 additional year if the item you purchase has a warranty of 5 years or less. If you purchase an extended warranty for an appliance the extra year is added on AFTER the extended warranty ends provided that the extended warranty is for 5 years or less. So you could have an appliance covered for 6 years!
I was fortunate to receive a 90k bonus points after spending 4k 🎉 really great card. Already paid for it self with all the deals.
Same here im at 100k points got the card 4 months ago 🥂
I can say that purchase protection really came through when buying resale concert tickets got me one that was unusable. The Amex Gold quality assurance is so OP.
Absolutely, great ease of mind when putting big purchases on the card that's for sure!
FOR REALS!! long story short. Paid $1700 for a festival in Vegas, bought tickets on stubhub, one didn't work (still got in but. barely BARELY)
CALLED TWO DAYS LATER about what happened, did full investigation (amex) FULL FUCKIN REFUND!!❤❤❤ so went to the festival for FREE. AMEX IS THE SHIT!
What are your favorite American Express cards? Personally, I think the Gold is top tier and better than the Platinum for most. Thoughts?
If John keeps advertising the secrets of the return protection, that benefit will mysteriously disappear.
The special offers are great to keep an eye on. I always whenever I am going to make a big purchase (or at least anything I would classify as non-essential). The problem though is 99% of the time they are for very niche companies/brands. And then when there is a good one for say like Walmart, its only if you purchase through the website and not in store. Which may not always be a viable option. Definitely worth a few minutes checking out though since you never know 🤷♂️
The AMEX Gold is such a great card!
Anyone considering the gold card May also wanna check out the green card. It’s $150 AF but currently it’s offering some top tier benefits including clear plus membership (which pays the entire AF and some).
I’m stoned watching this can’t stop dancing to the background music why you gotta make it so groovy man
Amex actually refunded a purchase the seller refused to refund when returned. I bought some galaxy buds2 pro. Got them and didn't like the fit. Contacted seller to return them. Seller refused to return. Contacted amex, they took up the claim for me and I got a full refund. And kept my rakuten points on top.
Go Amex!
so in this case. what happens go the ear buds? you gotta ship the to amex or whats the deal.
Always add all of the offers to your gold card always. I've checked my statement and I've gotten credits for Jersey Mike's subs GNC and other random purchases that I had added and got that statement credit and I wasn't even trying
Thanks for the info as always 👌🏾👍🏽👍🏽
With the Gold AMEX you get access to the Airport lounges ?
Thank you
anyone else just add all the offers to their card so that it's easier to spot new offers when scrolling through all of them?
😂 Nice intro. And as always, another very informative video. 👏🏽👏🏽👏🏽
haha thanks Liana!
Why would it be free?
I got a 90,000 point signup bonus when I signed up in May. Keep an eye out for better offers!
I’m 20 this was my first card I kinda regret it because I live at home and don’t buy groceries but I do eat out a lot , I’m a barber so I can just do the annual fee as a right off , any other cards you’d recommend? Imma PAY IN FULL tho you’ve taught me so much thank u
I'm 20 too n I manage a shop (not an owner) I basically live alone my mom vists me here and there, but besides that, I pay for my own groceries, gas, phone bill, other recurring bills, and eating out ALOT🤣🤣 basically I pay for everything besides the utlities. I just got approved for this card so it'll be my 2nd card and tbh it sounds perfect for me I also travel 2-3 times a year. idk what limit they gave u but i got 12k and I plan on using this card for things I pay off immediately and use my td card in cases where I need to more time to pay. Maybe look at RBC cards or CIBC, Scotia bank, BMO. But lets be honest bro one reason u and i got this card was for the flex🤣🤣
what time of the year is it best to apply for a credit card ??? big fan of the vidz !!
Can you do chase sapphire preffered?
I just got targeted for 90,000 points for the gold card so I applied and was approved.
Got upgrade for the Gold thanks for all this important information.
I got 90k +200 statement credit as a sign up bonus when I applied for the gold card and my referral link shows that when others sign up under mine.
Any suggestions on what to buy with 4k initial credit card purchase?
You forgot to mention that both of the American Express gold benefits do not work overseas, meaning this card is limited to the domestic traveler. Not even speaking to the fact that Amex isn't taken half the time overseas.
And that begs a question, is this really a travel card or a food card?
It’s a “if it works for you then get it” card
He very clearly says in the beginning "if you consume food you should jump on this card...."
How much more obvious does it need to be.
@@hoosierLowe So? You admit it shouldn't be marketed as a card for travelers. Y'all are so gullible lol
I had no trouble using my Amex Gold in Amsterdam at all. In other parts of the Netherlands it was accepted in many but not all places. I've also used my card in England and Greece.
@@kena9022 none of the credits work overseas. So you are not offsetting the annual fee at all. There are a ton of points transferable cards that earn 3x on dining and groceries, in fact 5x with the Citi custom cash. All for $0 AF. In South America and Asia 75% of the time you can't pay with an Amex card to boot.
The platinum and gold are let's face it domestic Flex cars not cards for the serious traveler.
I have 3 Platinum cards the Morgan Stanley the vanilla and the Charles Schwab, a gold card, a green card, and 4 other American Express credit cards. Eight out of the nine cards are being canceled since I am moving to Europe. None of the credits work overseas.
90 days isn't much at all, wish it was a year. i recall they used to cover instances for much longer.
I was able to find a 90,000 sign up bonus after looking for about 15 minutes!
You can even find offers for 90k plus a $200 statement credit.
@@isaacnava9364 where the link that I used for a 90k offer didn’t work and when I contacted Amex they said the offers come and go
Thanks, John, as always, great content. New to charge cards, Amex Gold holder here. Curious which is best, healthy statement balance then pay total at due date or pay down to smaller amt before statement date, then pay total at due date?
Based on what I’ve read, there isn’t much of a difference, because there is no preset spending limit. In other words, AmEx has nothing to report in terms of credit utilization. That being said, the balance alone may still get reported, so there’s certainly no harm in paying it down if you can before the statement closes.
You can get a 90k sign up bonus FYI randomly if you use a referral link
What would you recommend the express gold or venture x I got pre approved for the gold and 75,000 instead of 60,000
There are referral orders up to 90k + $200 on the gold. Find one asap
@@kingsamvisuals For sure.. I just completed my bonus on the Amex Gold for 90k points and $200 back. I don’t know if it’s still around but it might be.. I got my Amex gold in the beginning of March.
@@Jnay213 yes it’s still around I went back to the website and now it said 90k. The thing is I’ve been having the savor one so I feel that’s just like the express gold so I should go with the venture x but idk if I’ll be approved for that one
Does AMEX gold give instant Hilton and Marriott gold status?
Why is it assumed that we all use Uber or Uber eats or Grabhub??? What about us that domt use any of those things? Do we just pay half of the $250?
Love this❤️
Just got this card today, could not be a more well timed video!
Perfect! Congrats and enjoy the card!!
Has anyone had success with the Wells Fargo reconsideration line?
I've been missing out on free drinks at Barclay's 😡
Heading to Barclay's next week how to use this benefit
I have heard you don't get the hotel points when booking through amex travel. You only get the 5x points from amex, is that true?
Well, I’ve heard that you could contact the hotel, or give them your rewards number at check-in and get the points for the stay.
You might also be able to add the stay with some type of confirmation number that Amex would give you.
Don’t quote me on that though. 😊
@@aviationandotherstuff6571 I can actually confirm this, i gave them my hilton number on checkin and was able to get at least my gold benefits for breakfast but not the points for the stay.
Amex lowered the restaurant credit to only $120..
Trying to sneak a haircut in between 😂
I got 90,000 points and 200 dollars in statement credit
Stupid question, I’m new to credit cards. If they give you 120 + 120 you have to pay that off every month right?
You pay the annual fee for the card which is $250, then when you spend money on the places that they specify, Amex will refund up to $10 monthly after you made the purchase.
What if amex were to change/stop the uber eats or dining benefits? We end up with annual fee year over year?
Great question. If that happens and the card isn't worth it, then I would cancel the card and move on
@johnsfinancetips will canceling the cards impact credit history?
how many points become a dollar?
Lost is when you know where it was, and when it went missing. Mysterious disappearance is when you are not sure where it was, or when it went missing, but you are sure you had it somewhere, but you just can't find it.
This is incorrect. "Mysterious disappearance" means it was "lost by negligence by the owner." Items are also ineligible if they are part of criminal or commercial circumstances.
Appreciate the clarification Chad!
nice
Great video. I am confused with cashback and points in general. I have 3% cashback in my amex card entry level card on supermarkets. How is it different from 4x points in Amex gold?
I can understand how on the surface it may not make much sense. I will try to help clarify...
With points the whole idea is that you can leverage all your earned points when you go to redeem them (or transfer them) so that they can potentially be worth more than their face value (face value meaning roughly 1c per point, which is pretty standard). But that pertains more to travel redemptions such as hotels and airfare. If you want to redeem your points for cash, you typically will get less than 1c per point. So points cards are really geared more toward travel.
With a cashback card, you get straight cash back redeemable at whatever percentage the card has listed. i.e. 3% = 3c back per dollar spent. Sometimes there will be some travel redemption options for cashback cards, but there usually isnt any way to leverage them for higher redemption rates like you can with points.
Hope that helps!
@@antman674 Great! Thanks a lot for the clarification. Now I understand the difference 😉
The Amex card are currently making it I got my after the activation the next 2 days I got $500k you should try the Amex card ,I sent you the info here if you’re interested
Hey John, Love your videos, very informative, big fan, please keep up the good work. So I've been considering applying for the AMEX Gold Card and I find myself torn between two offers. The first one is through referral links, which offers a reward of 90,000 points after spending $4,000 in the first six months. The second one is a deal from Resy, where I would earn 75,000 Membership points after spending the same amount in the same timeframe, and also receive a 20% statement credit on restaurant purchases, potentially amounting to $250 back in my first year of Card Membership. I'm under the impression that this $250 could be viewed as the equivalent of an extra 25,000 points, making it a total of 100,000 reward points. So, I'm essentially comparing a straightforward reward of 90,000 points with no conditions, to a potentially larger but conditional reward of 100,000 points. I'm keen to hear your thoughts on whether I'm interpreting these offers correctly and which one you think might be more advantageous for me.
For me, this is straight forward maths. I’d definitely pick the Resy offer. I’m planning on doing the same as I’m in the same boat as you
Thanks for bringing this Resy offer to my attention!
At first glance, the “extra” work required to receive the $250 bonus didn’t seem appealing. However, it’s really just spending $1250 within that first year of card membership to get the $250. Additionally, spending $1250 at restaurants would earn you 4x on points and is equivalent to 5k points.
One thing to consider is what the 15k points could get you if you are considering transfer partners and transfer bonuses (sometimes up to 30%).
@@adrianescalante8313 you’re right. But the said person has to know how to get the most optimum value from transfer partners otherwise it really doesn’t make any difference whichever offer you choose
Does anyone know if the 90k SUB and $200 statement credit is fake for a referral link?
It's real. It expires June 7 I think.
I should to Go downs 150mg Inverga comes downs 0mg
I should to text fast turns push downs on downloads
Bring back the Zync card!
Why did you censor my comments?
Fun Fact:
Free99 is not free
America express gold is good best I hope get $100 every 3weeks then 4th and 5th per week I try get 6 I would like to apply to America express gold I will not get America express gold in USA I stay in Regina, Saskatchewan, Canada then The America express gold Center will mail to me then I get mailed with letter with new america express gold If not work in USA center mails me I get rewards with america express gold If not work open with join Try to get america express gold card
YOU TALK TOO FAST!! Please slow down to be intellible
What if you buy a 40000$ car using the card and it gets stolen ?
hahah THIS is why I love our community. This is big-brain thinking right here and something I've never thought of. But I did look in the terms and conditions of the benefit and sadly that won't work. Section 8. Motorized Devices or Motorized Device parts are not covered.
@@johnsfinancetips that's quite interesting considering the fact that it would be easier to track down a stolen car rather than a stolen luxury watch that costs the same.
Most dealerships won't let you put more than a few thousand on a credit card anyway so I guess it doesn't matter.
@@jv8296 can you explain more? Are you saying they would refuse to sell ?
@@nishankamin I'm saying that they don't want to pay the fee associated with accepting a credit card for tens of thousands of dollars. They will absolutely sell you the car, but they will only allow you to pay for a few thousand of the cost on a credit card.
Hidden features? Clickbait. That’s why I unsubscribed your channel.
Just got the gold card yesterday, this video was perfect timing
love that!! Congrats and enjoy the card!
I saw quite a few people unhappy with the high prices of the hotels on the travel portal saying that it was always going to be more expensive to book hotels through the AMEX portal but if you can just get the best price you can find by filing a claim . . . Well that’s amazing! 🤩
This may be a dumb question, but how do no-limit credit cards affect your credit score when it comes to your utilization percentage?
If that's a dumb question, then count me dumb! 😆 I've often wondered that myself. I'm sure one of these credit card guys has a video on it somewhere.
I don’t think it affects the percentage I’ve had the gold card for four months now and my credit profile says that my utilization has been at 10 percent
I’m sure it still counts towards your credit utilization, as I’ve seen the balances reflect on my credit scores, so I always (try to) pay off my charge cards.
It affects your total credit balances and can affect your score that way... but it doesnt actually factor into utilization
No that's a great question. It'll impact your overall utilization as you'll still show a balance. But it won't report a utilization itself because there is "no limit". Hope that helps!
I forgot my AirPods Pro 2 at the gym in one of the machines because it died on me and I didn't have a pocket. I asked amex if they could refund it somehow since it was lost/stolen but I never got any compensation from it since it was only good for 3 months. Amex gold purchase insurance isn't as useful to be honest. I only had my AirPods for 7 months and their insurance only covers until 90 days. Although I love the idea of x4 in grocery and restaurants, their insurance isn't useful at all.
Next time buy your airpods from costco, I have no joke bought returned 8 pairs of airpods because buttons stopped working, water damage, or because they released new ones with new features.
Is it worth it if I don’t travel ? The main thing we spend money on is around $15,000 a year on groceries and $3,000 on gas . Prolly another $8k on Amazon
The price match does not always work. There are several exclusions. I just went through this while booking a Vegas trip. They won't match FHR or HC bookings.
FHR? HC?
Can you elaborate on what you mean? This seemed like one of the most amazing parts of the card
@@MrDIJEN15 Fine Hotels + Resorts and Hotel Collection
Slow down a little great video but I had to pause and rewind every 10 seconds thanks for sharing
Hi John's finance this is Darren Sandoff You said thank you for stopping no work open turn on
This card is so stressful to truly benefit from. I think it’s not worth it
dang still tacking on the 99 cents to the free when will they give up?
The Uber/Uber eats credit is completely useless to me
Would it make sense to have this card and the Hilton card? If so what would the strategy be? Ty
Does the hotel price match also work for flights booked on Amex as well if I find them cheaper elsewhere?
There are many reasons to love the Amex Gold card, but it's definitely not a card for everyone. Just be sure to make sure you'll naturally get positive value from the credits on this card and that you want to use your Amex MR points for travel and then enjoy these added benefits alongside that! Great video once again John!
for sure, def gotta make sure it's within your typical spend. Thanks Spencer!
Hello John, I have a question for you, I haven’t had my first credit card yet! What bank should I open my first credit card? Planning to join the military as a reservist and go to college!
The Amex card are currently making it I got my after the activation the next 2 days I got $500k you should try the Amex card ,I sent you the info here if you’re interested
discover it is the best starter card
If someone comes to you and offers you a year of $240 prepaid food credit structured this way, how much would you pay? $75? $100?
Just for $240, probably wouldn't take it. But for 90,000 MR points it'd definitely pay 200-300. Plus purchase protection, fraud prevention etc... definitely worth it
@@isaacnava9364 I have the card. But let's be honest the reason you get it is the SUB. Let's not pretend the $240 split into increments of $10 per month is worth anywhere close to the face value. These coupon books are just hard to get good value out of.
Maybe to you, but the $10 credits are extremely easy for me to use. Paired with the $15 credit from the Plat each month I've gotten a few days worth of meals with the credits.
How do you think through this decision? Get 3X on dining with Chase Sapphire Reserve, and redeem those points for travel at 1.5X, versus dining out at 4X on the Gold Card? It seems the CSR would be the better dining card. Where is my thinking off?
Chase is theoretically better if you plan to redeem for cash or on the portal. But if you transfer out to partners, whichnis what most credit hobbyists do, then they both transfer out at 1:1. In that scenario 4x is always more than 3x.
That's a great question. For me personally it's where I think I want the points to be used. Chase I transfer to Hyatt and Amex to flight partners. So in my situation I use both and lean on one when I need points on a particular program
@@johnsfinancetips Thanks. That’s what I do as well. When I’m trying to build up Hyatt points, I use the 4.5X CSR redemption, and when I want Delta miles (I live in a Delta hub city), I use the 4X Amex redemption.
Air pods no thanks
It’s 90 days after the end of manufacture coverage period I think. Not 90 days from purchase.