Feb 27, 2015, 9:22 am
Last edit by: italdesign
Summary of Premier Rewards Gold costs and benefits, effective 6.1.2015:
Cost
$195 Annual fee
$100 Reduced by Airline Fee Reimbursement
$ 95 Net
Benefits
No foreign transaction fee
Travel Protection:
Auto rental CDW (Secondary)
Roadside Assistance
Baggage Insurance (lost, stolen or damaged; not coverage for delays)
Travel Accident Insurance (Life insurance, excludes award redemptions)
Shopping Protection:
Return Protection ($300 maximum per item, 90 days)
Purchase Protection (damage or theft, 90 days; no coverage for lost)
Extended Warranty (Up to one extra year; 5 years maximum)
Rewards
3x Airfare
2x Gasoline
2x Dining
2x Groceries (no cap)
1x General
Compare with American Everyday Preferred
Cost
$ 95 Annual fee
Non-Benefit
2.7% Foreign transaction fee
Travel Protection:
Auto rental CDW (Secondary)
Roadside Assistance
Baggage Insurance (lost, stolen or damaged; not coverage for delays)
Travel Accident Insurance (Life insurance, excludes award redemptions)
Shopping Protection:
Return Protection ($300 maximum per item, 90 days)
Purchase Protection (damage or theft, 90 days; no coverage for lost)
Extended Warranty (Up to one extra year, 5 years maximum)
Rewards (assuming 30 transactions per month)
4.5x Groceries (capped at $6,000 per year)
3.0x Gasoline
1.5x General
Compare with Chase Sapphire Preferred
Cost
$ 95 Annual fee
Benefits
No foreign transaction fee
Travel Protection
Auto Rental CDW (Primary)
Lost or Delayed Luggage Reimbursement (covers award tickets)
Trip Cancellation or Interruption Insurance (covers award tickets)
Travel Accident Insurance (Life insurance, $500,000)
Shopping Protection
Return Protection ($500 maximum per item, 90 days)
Purchase Protection (damage or theft, $500 per item, 120 days; no coverage for lost
Price Protection ($500 per item, 90 days)
Extended Warranty (Up to one extra year, 3 years maximum)
Rewards
2x Travel
2x Dining
Compare with Citi Premier, effective 4.19.2015
Cost
$ 95 Annual fee
Benefits
No foreign transaction fee
Rewards
3x Travel
3x Gasoline
2x Dining
2x Entertainment
1x General
Cost
$195 Annual fee
$100 Reduced by Airline Fee Reimbursement
$ 95 Net
Benefits
No foreign transaction fee
Travel Protection:
Auto rental CDW (Secondary)
Roadside Assistance
Baggage Insurance (lost, stolen or damaged; not coverage for delays)
Travel Accident Insurance (Life insurance, excludes award redemptions)
Shopping Protection:
Return Protection ($300 maximum per item, 90 days)
Purchase Protection (damage or theft, 90 days; no coverage for lost)
Extended Warranty (Up to one extra year; 5 years maximum)
Rewards
3x Airfare
2x Gasoline
2x Dining
2x Groceries (no cap)
1x General
Compare with American Everyday Preferred
Cost
$ 95 Annual fee
Non-Benefit
2.7% Foreign transaction fee
Travel Protection:
Auto rental CDW (Secondary)
Roadside Assistance
Baggage Insurance (lost, stolen or damaged; not coverage for delays)
Travel Accident Insurance (Life insurance, excludes award redemptions)
Shopping Protection:
Return Protection ($300 maximum per item, 90 days)
Purchase Protection (damage or theft, 90 days; no coverage for lost)
Extended Warranty (Up to one extra year, 5 years maximum)
Rewards (assuming 30 transactions per month)
4.5x Groceries (capped at $6,000 per year)
3.0x Gasoline
1.5x General
Compare with Chase Sapphire Preferred
Cost
$ 95 Annual fee
Benefits
No foreign transaction fee
Travel Protection
Auto Rental CDW (Primary)
Lost or Delayed Luggage Reimbursement (covers award tickets)
Trip Cancellation or Interruption Insurance (covers award tickets)
Travel Accident Insurance (Life insurance, $500,000)
Shopping Protection
Return Protection ($500 maximum per item, 90 days)
Purchase Protection (damage or theft, $500 per item, 120 days; no coverage for lost
Price Protection ($500 per item, 90 days)
Extended Warranty (Up to one extra year, 3 years maximum)
Rewards
2x Travel
2x Dining
Compare with Citi Premier, effective 4.19.2015
Cost
$ 95 Annual fee
Benefits
No foreign transaction fee
Rewards
3x Travel
3x Gasoline
2x Dining
2x Entertainment
1x General
Amex Premier Rewards Gold new benefits and higher annual fee, 6.1.2015
Mar 3, 2015, 7:14 pm
#76
Join Date: Oct 2014
Location: Miami
Programs: AA Gold; Hyatt Exp.; Hilton/Marriott Gold; CSR; Citi Prestige; Amex Plat, EDP, Gold, etc.
Posts: 58
Mar 3, 2015, 7:44 pm
#77
Original Member
Join Date: May 1998
Location: Tampa, FL
Programs: AAMM & PLT; UA Gold, DL Silver, Marriott LT Titanium Elite, Hilton Diamond, Hertz #1 Gold Club
Posts: 1,591
I applied and was approved for a new PRG with annual fee waived for a year. My Plat (which I got via upgrade and 50k bonus points) is up for renewal in April and I will cancel at that point. With the $100 airline fee credit and free road side assistant (so no need for AAA especially with fairly new cars) makes the card - net fee free.
Mar 4, 2015, 8:12 am
#79
Join Date: Apr 2013
Location: Lehigh Valley, Pennsylvania
Programs: Milege+, SkyMiles, AAdvantage, HHonors Diamond, Marriott Gold
Posts: 1,685
For Plat insurance use this link and click on each insurance for details
https://www.americanexpress.com/us/c...w-all/platinum
https://www.americanexpress.com/us/c...w-all/platinum
Mar 4, 2015, 8:44 am
#80
Join Date: Jul 2010
Location: Adelphi, MD
Programs: Korean Air Skypass, ANA Skyweb, Amex Premier Rewards, Chase Sapphire Preferred
Posts: 745
Amex Premier Rewards Gold new benefits and higher annual fee, 6.1.2015
The PRG has more value to me than CSP because the airline partners have better mileage programs. With Amex I can transfer to All Nippon Airways and fly business to Southeast Asia for only 100,000 miles round trip. With CSP, if I transfer to Korean Air, the same business class flight costs 150,000 miles.
Mar 4, 2015, 8:54 am
#81
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,959
I am adding insurance protection summaries to the Wikipost, highlighting differences between American Express and Chase in red. I will add Citi as time permits.
Last edited by mia; Mar 4, 2015 at 9:16 am
Mar 4, 2015, 10:03 am
#82
Join Date: Apr 2013
Location: Lehigh Valley, Pennsylvania
Programs: Milege+, SkyMiles, AAdvantage, HHonors Diamond, Marriott Gold
Posts: 1,685
Sorry Mia. I meant to put PRG link, but got interrupted and messed up. Thanks for adding this info to the Wikipost as time permits.
Mar 4, 2015, 10:22 am
#83
Join Date: Feb 2015
Posts: 62
After getting $200 more in airline credit, I'll basically have no annual fee for either card for the year.
Mar 4, 2015, 1:32 pm
#84
Join Date: May 2006
Location: CGK & PBI
Programs: Cruise addict and AirBNB Plat :)
Posts: 3,312
I'm not really fond of the idea of "upgrade" or "downgrade" between cards, especially with their policy of one bonus per lifetime per card type.
When I canceled my Platinum card this January, they offered to downgrade me to the PRG with NO bonus whatsoever. Glad I declined because few weeks later there was the 50K bonus for the PRG so I applied and got the bonus.
Mar 4, 2015, 1:37 pm
#85
Join Date: May 2006
Location: CGK & PBI
Programs: Cruise addict and AirBNB Plat :)
Posts: 3,312
I'm thinking about doing the opposite... On 6/1, get a gift card with the $100 credit, then upgrade to the Platinum and 50k bonus with the $110 credited for the prorated annual fee, bringing me down to a net annual fee of $340.
After getting $200 more in airline credit, I'll basically have no annual fee for either card for the year.
After getting $200 more in airline credit, I'll basically have no annual fee for either card for the year.
And depends on when your AF renews, you can get another $100 credit after January 1st, $200 credit altogether.
Mar 4, 2015, 4:57 pm
#88
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,959
If you know the specific benefits which cover award ticket travel please dive right in and edit the Wikipost. There are many such details missing, and anyone who notices should fill in what you know.
Mar 5, 2015, 9:58 am
#90
Join Date: May 2014
Location: Charleston, SC
Programs: SPG/Marriot Gold, Hilton Gold
Posts: 412