Amex Organic Spend
Jan 9, 2018, 6:51 pm
#1
Original Poster
Join Date: Dec 2017
Posts: 46
Amex Organic Spend
I am so paranoid about the Amex rat pack.
I am currently working on my min spend for the Amex Plat via all organic. $5k min spend requirement.
There is a charity that I legitimently support and donate to (often). Charity has a function on its website that lets you donate with a credit card with a 3% fee.
I am willing to take the 3% hit but will this get clawed back or the rat team look into this? (I feel like this should be organic).
I am currently working on my min spend for the Amex Plat via all organic. $5k min spend requirement.
There is a charity that I legitimently support and donate to (often). Charity has a function on its website that lets you donate with a credit card with a 3% fee.
I am willing to take the 3% hit but will this get clawed back or the rat team look into this? (I feel like this should be organic).
Jan 10, 2018, 12:10 pm
#6
Original Poster
Join Date: Dec 2017
Posts: 46
Jan 10, 2018, 1:13 pm
#7
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
I am so paranoid about the Amex rat pack.
I am currently working on my min spend for the Amex Plat via all organic. $5k min spend requirement.
There is a charity that I legitimently support and donate to (often). Charity has a function on its website that lets you donate with a credit card with a 3% fee.
I am willing to take the 3% hit but will this get clawed back or the rat team look into this? (I feel like this should be organic).
I am currently working on my min spend for the Amex Plat via all organic. $5k min spend requirement.
There is a charity that I legitimently support and donate to (often). Charity has a function on its website that lets you donate with a credit card with a 3% fee.
I am willing to take the 3% hit but will this get clawed back or the rat team look into this? (I feel like this should be organic).
Jan 10, 2018, 7:20 pm
#8
Original Poster
Join Date: Dec 2017
Posts: 46
Just don't assume the 3% fee counts toward the $5000 minimum spend, and you should be fine. (It may or may not count, depending on how it posts and how Amex looks at that.) The donation itself should count, but if the 3% is posted separately that's the only thing I might be concerned about. (Not about claw back or rat team, just about it not being counted as a purchase. Remember, it's not really $5000 of "spend" that you need, it's $5000 of "purchases" which at Amex per the T&Cs does not count certain things like cash-equivalent stuff, and credit card fees billed separately could be looked at as cash-equivalent stuff perhaps. So IMHO better to be safe by not counting these fees, if billed separately, in your $5000 count.)
With th that said, what’s the best way to track the min spend the way amex (or any other bank for your cc) counts the min spend requirement.
I am on pace and almost there but want to make sure??
Jan 10, 2018, 7:30 pm
#9
Join Date: Jun 2014
Location: PSC
Programs: Hilton Diamond/IHG Platinum/DL Plutononium
Posts: 1,728
I really like sending Amex a secure message to check on my minimum spend. Creates a paper trail and easy to track at work.
Jan 10, 2018, 9:06 pm
#10
Original Poster
Join Date: Dec 2017
Posts: 46
Jan 11, 2018, 12:51 pm
#11
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
At Citi, no need to ask, at least with most personal card offers, there's an online "clock" showing how much time you have to go and how much more spend you have to do. (Though the spend part is only what posted on the last statement, not what's posting on the statement in progress.) It'd be nice if all banks did that, but I've never seen it anywhere other than Citi (and only on their personal cards, not their business cards which use a different website).
Jan 11, 2018, 2:10 pm
#12
Join Date: Nov 2013
Location: NYC
Programs: OZ Diamond *A Gold / Delta Gold
Posts: 775
I am so paranoid about the Amex rat pack.
I am currently working on my min spend for the Amex Plat via all organic. $5k min spend requirement.
There is a charity that I legitimently support and donate to (often). Charity has a function on its website that lets you donate with a credit card with a 3% fee.
I am willing to take the 3% hit but will this get clawed back or the rat team look into this? (I feel like this should be organic).
I am currently working on my min spend for the Amex Plat via all organic. $5k min spend requirement.
There is a charity that I legitimently support and donate to (often). Charity has a function on its website that lets you donate with a credit card with a 3% fee.
I am willing to take the 3% hit but will this get clawed back or the rat team look into this? (I feel like this should be organic).
Jan 11, 2018, 2:12 pm
#13
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
Rewards Abuse. See here:
Amex USA terms now penalize:abuse,misuse,gaming;1st yr downgrade/close;leaked offers.
Amex USA terms now penalize:abuse,misuse,gaming;1st yr downgrade/close;leaked offers.
Jan 11, 2018, 3:06 pm
#14
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,762
That said, the chat reps can tell you how much your progress is - in their internal system they can tell the qualified spend amount - i.e. that is how people found out certain charges no longer count towards the spend requirement. So as you are close to the finishing line, you can do a couple online chats to just make sure how much you still need to spend. Just dont wait till the last 2 weeks to find out...
Jan 12, 2018, 7:16 am
#15
Join Date: Jun 2014
Location: PSC
Programs: Hilton Diamond/IHG Platinum/DL Plutononium
Posts: 1,728
Since when AMEX resurrect Secure Message function?
That said, the chat reps can tell you how much your progress is - in their internal system they can tell the qualified spend amount - i.e. that is how people found out certain charges no longer count towards the spend requirement. So as you are close to the finishing line, you can do a couple online chats to just make sure how much you still need to spend. Just dont wait till the last 2 weeks to find out...
That said, the chat reps can tell you how much your progress is - in their internal system they can tell the qualified spend amount - i.e. that is how people found out certain charges no longer count towards the spend requirement. So as you are close to the finishing line, you can do a couple online chats to just make sure how much you still need to spend. Just dont wait till the last 2 weeks to find out...
I meant the chat.