Originally Posted by
GundamWing01
thank you for catching my error.
in my mind, ur "5th group" actually fell under the 4th group. i just didnt add more details.
"4) AI only ($5k min) [getting closed 2026] = PAY MS amex plat AF"
- besides AI, i thought almost any "MS relationship" qualifies (but not ETrade) - eg AAA ($150/mo) or premier CPlus $10k (waive $15/mo)
thats why i was asking which MS accounts have qualified for MS amex plat. i think most just read various blogs and went w/ AI as the "cheapest" option. but i know pple have other MS accounts that also count as "MS relationship" for amex plat.
but since AI is getting closed, im looking at group 4 (AI alternatives) or even group 3) plat CPlus ONLY w/ $1k min balance (PAY $55/mo) = MS amex plat AF bonus deposited"
im just confused if group 3 is still possible to simply have plat CPlus, pay $55/mo and keep MS amex plat w/ AF engagement bonus without shutdown for low balance below $25k. seems $1k is enough?
do u simply have plat CPlus ONLY w/ $1k+ min balance (PAY $55/mo) and still get the MS amex plat AF bonus deposited? looks like u got the shutdown letter but ur clear now?
I'm actually in Group #2. I have Access Investing and a Cash Plus account. If or when Access Investing accounts are dropped, I'll look to convert those assets to an AAA account, keep my Cash Plus account, and maintain the status quo, provided they are still offering the engagement bonus reimbursement.
I am 90% sure group #3 isn't possible, because in order to open a Cash Plus account, you have to have an existing relationship with MS, and in order to qualify for the engagement bonus, you need to have your investment account, in my case, Access Investing, linked with your Cash Plus account.
Now if I dropped my Access Investing account, I would still have my Cash Plus account to preserve my relationship with MS, and keep my Platinum card. provided MS didn't decide to close it, but, even if someone called up MS with no pre-existing relationship, and got the rep to open a Cash Plus account, I am not sure if they would qualify for the engagement bonus, since one of the triggers for the engagement bonus is to have your investment account and cash plus account in the same account linking group.
Now, if that wasn't necessary, it would only make sense to pay $55 for the Cash Plus account if you qualified for the engagement bonus. Otherwise, you would still pay $695.00 for the Platinum card and Not be reimbursed through the engagement bonus.
EDIT: I may have been mistaken, regarding the necessity to link the investing account with the Cash Plus account in order to qualify for the engagement bonus. The linking of the accounts may only be necessary as one of the requirements for the monthly fee waiver.
However, I still don't know if anyone could get a Cash Plus account without an already existing relationship.
I also haven't seen data points for those that are getting the engagement bonus with ONLY the CASH PLUS account and no other relationship.