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FlyerTalk Forums (https://www.flyertalk.com/forum/index.php)
-   American Express | Membership Rewards (https://www.flyertalk.com/forum/american-express-membership-rewards-410/)
-   -   American Express Canada application and reward strategies (https://www.flyertalk.com/forum/american-express-membership-rewards/1886843-american-express-canada-application-reward-strategies.html)

DealAddict Jan 11, 2018 7:52 am
Has anyone heard of a financial review on credit cards (not charge cards, because I have had that) in Canada?

Admiral Ackbar Jan 18, 2018 7:45 pm
Sounds like BS to me, I spend $150k/yr and never been called "high value"
I just had to call Amex for a gold application, I got the same "you are a high value customer bla bla bla"

Sounds just like their secure message emails, canned overly enthusiastic marketing drivel. Meaningless.

erik19283 Jan 19, 2018 1:18 am
In the Wiki, it says the first year is free for the Amex Gold, but if I go to Amex Canada's site, it seems to be $150. Is it free if I use a referral link or is it a mistake?

viracocha Jan 19, 2018 6:11 am
Originally Posted by erik19283 (Post 29311743)
In the Wiki, it says the first year is free for the Amex Gold, but if I go to Amex Canada's site, it seems to be $150. Is it free if I use a referral link or is it a mistake?
They ended the first year free late last year. The wiki hasn't been updated.

CanuckFan Jan 20, 2018 8:00 am
Is there a way to refer From: SPG Amex To: Amex Cobalt ? Thanks for your help.

gspurr Jan 20, 2018 8:30 am
Originally Posted by JJonahJ (Post 29236904)
If you don't see the 2018 travel credit online you could go ahead and book first and then call AMEX to get the $200 credit applied afterwards. Or, if you want to do it in one shot, just to be sure, then call and ask a rep to help you with the booking and the travel credit at the same time.
Just an update, the 2018 travel credit did end up appearing in my account for use after a couple of days into 2018. I used it no problem.

dominick Jan 20, 2018 8:48 am
Not sure if this has been posted, but I applied and received Personal Platinum late 2016. I used the $200 travel credit.

Later in 2017, I used the travel credit of $200 again for this calendar year. I was credited.

As the $699 charge came up, I cancelled the card.

I just received a letter statement in the mail showing a $200 charge in that they refunded $499 from the annual charge.

I haven't called them yet, but has this happened to anyone, and what was the result?

dominick Jan 20, 2018 8:52 am
Is the SPG card now 20k signup (not 25k as indicated in the wiki?)?

gspurr Jan 20, 2018 8:55 am
Originally Posted by dominick (Post 29316639)
Not sure if this has been posted, but I applied and received Personal Platinum late 2016. I used the $200 travel credit.

Later in 2017, I used the travel credit of $200 again for this calendar year. I was credited.

As the $699 charge came up, I cancelled the card.

I just received a letter statement in the mail showing a $200 charge in that they refunded $499 from the annual charge.

I haven't called them yet, but has this happened to anyone, and what was the result?
It happened to me the last time I had the Platinum Card. If you look back you will find posts discussing this. It seems that you are fine using the travel credit twice just as long as you cancel before you get the $699 charge for the next year. If the charge gets applied and then you cancel after using the travel credit for that year you will only get $499 back.

dominick Jan 20, 2018 9:26 am
Originally Posted by gspurr (Post 29316668)
It happened to me the last time I had the Platinum Card. If you look back you will find posts discussing this. It seems that you are fine using the travel credit twice just as long as you cancel before you get the $699 charge for the next year. If the charge gets applied and then you cancel after using the travel credit for that year you will only get $499 back.
Thanks... yes, I was likely 2-3 days late - lesson learned not to procrastinate! :(

jubberly Jan 20, 2018 11:49 am
Originally Posted by dominick (Post 29316657)
Is the SPG card now 20k signup (not 25k as indicated in the wiki?)?
Yes,20k signup....for both the personal and business(after min $1500 spend within first 3 months of opening)

JJonahJ Jan 22, 2018 2:20 pm
Originally Posted by erik19283 (Post 29311743)
In the Wiki, it says the first year is free for the Amex Gold, but if I go to Amex Canada's site, it seems to be $150. Is it free if I use a referral link or is it a mistake?
Updated the WiKi regarding Gold's loss of FYF and 5,000 referring bonus.
  • Amex Gold MR lost its FYF status on Sep 14, 2017. The $150/yr annual fee will appear on the first statement.
  • The Personal Gold MR can refer to another Personal Gold, or the Cobalt CC (and vice versa), for 5,000 MR.
  • The Personal Gold CAN NO LONGER refer to the Business Gold, Personal Platinum nor Business Platinum.
If you want to open the Personal Gold to keep your MR points alive from another concurrently opened MR card (Biz Gold, for example) which needs to be cancelled, and you have a partner to refer you, then the 25,000 + 5,000 (adding supplementary cardholder during referred application), then this works out to 30,000 MR points, which has a minimum value of $300 as a statement credit, and more value if converted to Aeroplan or Avios and redeemed 'well'. Plus your partner earns 5,000 MR for referring, and thus a total 35,000 MR for your team/partnership. So, it COULD be worthwhile, if it suits your needs/preferences.

Other options:

GCR - Earn a $50 or $60 (varies from time to time) cash back when you apply through their channel. Welcome offer is 25,000 MR after $1500 spending.

PERKOPOLIS - if you work for an organization/group that has a Perkopolis association, you can still open the Personal Gold through their special link using an RSVP code, and their offer for the Personal Gold MR card is 25,000 MR and FYF, after just $500 spending (regular channels require $1500). Plus if you choose to keep the card after 1 year the annual fee is $99 (vs. $150).

peroorim Jan 23, 2018 6:46 pm
Originally Posted by JJonahJ (Post 29325831)
Updated the WiKi regarding Gold's loss of FYF and 5,000 referring bonus.
  • Amex Gold MR lost its FYF status on Sep 14, 2017. The $150/yr annual fee will appear on the first statement.
  • The Personal Gold MR can refer to another Personal Gold, or the Cobalt CC (and vice versa), for 5,000 MR.
  • The Personal Gold CAN NO LONGER refer to the Business Gold, Personal Platinum nor Business Platinum.
If you want to open the Personal Gold to keep your MR points alive from another concurrently opened MR card (Biz Gold, for example) which needs to be cancelled, and you have a partner to refer you, then the 25,000 + 5,000 (adding supplementary cardholder during referred application), then this works out to 30,000 MR points, which has a minimum value of $300 as a statement credit, and more value if converted to Aeroplan or Avios and redeemed 'well'. Plus your partner earns 5,000 MR for referring, and thus a total 35,000 MR for your team/partnership. So, it COULD be worthwhile, if it suits your needs/preferences.

Other options:


GCR - Earn a $50 or $60 (varies from time to time) cash back when you apply through their channel. Welcome offer is 25,000 MR after $1500 spending.

PERKOPOLIS - if you work for an organization/group that has a Perkopolis association, you can still open the Personal Gold through their special link using an RSVP code, and their offer for the Personal Gold MR card is 25,000 MR and FYF, after just $500 spending (regular channels require $1500). Plus if you choose to keep the card after 1 year the annual fee is $99 (vs. $150).
Can you transfer the points from personal platinum to Personal Gold to keep your MR points ?

longtimeflyin Jan 23, 2018 7:02 pm
Originally Posted by peroorim (Post 29331257)
Can you transfer the points from personal platinum to Personal Gold to keep your MR points ?
Can't you just merge the two MR accounts so they become one? I used to have the Platinum and the Gold card (years ago when it was $499 for both cards) (charter member is what I think it was called), and I just had them both deposit into one account.

JJonahJ Jan 23, 2018 7:10 pm
Originally Posted by peroorim (Post 29331257)
Can you transfer the points from personal platinum to Personal Gold to keep your MR points ?
Sure. When you are ready to cancel your Personal Platinum (or Biz Gold or Biz Plat), just ask Amex move your MR points from the closing-card to another MR card that is still active (except NOT to the Colbalt CC). This will keep your MR points alive for another card's generation.

You can call or send a Secured Message to request for the cancellation, but DO make sure you mention that those MR points are to be moved to the other non-cancelling MR card account.


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