New AMEX Plat 100k signup offer (non-business)
My mom was just targeted for a 100k bonus offer for the plat AMEX business card with a $10K spend in 3 months.
Last week, I got a personal AMEX platinum offer for 100k bonus with $3k spend in 3 months!! Here's my situation and questions....looking for some feedback:
--Have the Chase Sapphire Preferred and use it as my daily card. I spend only $1-2K per month.
--Have Nexus/Global Entry already, which expires this time in 2015. (Could I even use the $100 credit towards a renewal?)
--Always travel business class for int'l travel (mostly for work, or with miles). So the lounge access perk is so-so. That said, I fly Delta domestically out of DEN, and Admirals Club access could be nice, even though I time things so I'm at the gate for no more than 10 minutes before boarding.
--Because of the above point, not sure where I'd use the $200 credit, since you have to pick 1 airline. On DL, I get free bags and am usually upgraded, so never pay for checked bags, food, etc. I rarely if ever pay for changing a flight, and I don't believe the credit can be used to upgrade.
Bottom line is that even with the above "issues", obviously 100k points is worth the $450 this year. But I don't really like to churn and deal with all that hassle, and given my annual fee on the CSP card I also have, I could see myself spending a few thousand dollars in a few years on CC fees and only get the bonus once. Is this card considered a charge card and therefore would not impact my credit score if I cancel it next year?