Go Back  FlyerTalk Forums > Miles&Points > Credit, Debit and Prepaid Card Programs > American Express | Membership Rewards
Reload this Page >

Premier Rewards Gold refresh: 4x USA dining, groceries, $10/mon dining credit. $250.

Old Oct 4, 18, 1:05 pm
FlyerTalk Forums Expert How-Tos and Guides
Last edit by: roberto99
Faq amex: https://www.americanexpress.com/us/campaigns/gold-card/gold-update-faqs.html

For existing and new cardholders
  • Changes below are effective immediately
    • 4x US grocery (25k/calendar year), 4x US dining* (*pervasive reports that many dining transactions are not coding as 4x, including but not limited to those from Square or Toast-based POS systems. Scroll down in thread for more reports and information.)
    • $120 dining credit ($10 monthly in certain restaurants)
  • No change
    • $100 calendar year airline reimbursement
  • Other
    • $250 AF (see below for existing cardholders)
    • No 2x gas (removed, see below for existing cardholders who have it till Oct 2019)
  • Metal card (contactless)
    • Rose gold card - limited edition until Jan 9 2019
    • Regular gold card

For new cardholders (Oct 4 2018 and after)
  • You may be able to find targeted/referal 50k/$2k, but first AF is not waived
  • Signup bonus: You get 20% off restaurant up to $500 restaurant spend (3 month)
  • You do not get 2x gas (only for existing cardholders, see below)

For existing cardholders (Oct 3 2018 or before)
  • AF will change to $250 for anniversary dates after April 1 2019
  • 2x gas will be removed after Oct 2019
  • You can chat/call for the gold/rosegold metal card. AU card will get whatever primary cardholder is getting, cannot be different
Print Wikipost

Premier Rewards Gold refresh: 4x USA dining, groceries, $10/mon dining credit. $250.

Old Dec 25, 18, 5:44 pm
  #1066  
 
Join Date: Oct 2012
Posts: 298
Originally Posted by gengar
There are a few (non-Square) merchants that MCC as restaurant at which I did not receive the 4x bonus. I escalated the issue repeatedly last month and received a final response (from VP level) that they will not give 4x PRG bonus on those merchants. So there it is, officially and conclusively, that AMEX will deny 4x PRG bonus for some merchants even if they are MCC'd as restaurants.

What's particularly unsavory about this is that, at those very same merchants, I get the restaurant bonus on my Aspire (and Surpass before that). So it's clear that AMEX is playing games with some very specific merchants to avoid paying out 4x MRs.
see my post on why no 4 points!! Its in the T&A. Why bother and have someone look at the acct. Most will use it for MS.and dont need eyes on acct.
barrytuneup is offline  
Old Dec 25, 18, 5:49 pm
  #1067  
 
Join Date: Oct 2012
Posts: 298
for those upset with no 4% at certain rest.. just use a 2% card and do most of the spend on Gold card in grocery and rest. that dont use square. Never seen so much crying about a simple thing.. 4% works for me at all fast food places/Chinese rest and Italian rest in my town, plus take out places. Does NOT work art my NYC bagel shop who uses Toast. Simple..I dont use this card there.
barrytuneup is offline  
Old Dec 25, 18, 6:42 pm
  #1068  
dw
 
Join Date: Jun 1999
Location: NYC/LA
Programs: AA Plat Pro, IHG Diamond Amb, Marriott Plat
Posts: 6,196
Originally Posted by barrytuneup
for those upset with no 4% at certain rest.. just use a 2% card and do most of the spend on Gold card in grocery and rest. that dont use square. Never seen so much crying about a simple thing..
The problem is, its not always apparent that a sit down full service restaurant uses Toast or Square, because the payment processing terminals may not be visible. I just got burned with a fairly high charge at a new restaurant... only noticed when the charge posted that the restaurant uses Square.

Others may be willing to always try to figure out when they go to a restaurant for the first time whether they use Toast or Square and if so, use a backup card, but for me personally, its becoming more hassle than its worth.
Happy, sdsearch, lsquare and 3 others like this.
dw is online now  
Old Dec 25, 18, 7:42 pm
  #1069  
 
Join Date: Dec 2004
Location: Apex, NC
Programs: AA EXP, Delta DM, Bonvoy Titanium, Honors Diamond, Hertz Presidents Club, National Exec something!
Posts: 101
Pretty simple...

To me the situation with AMEX not giving 4x on true restaurant transactions where it is either a sit down place, quick service, or whatever, is beyond ridiculous and in my opinion, careless if they want to retain customers.

What credit card do you have to focus on the POS terminal used and constantly have to make requests for miscoded transactions?

They deserve all of the negative PR they can get on this one. Even though they attempt to cover themselves in the terms, they are over marketing and its borderline litigation worthy as a result.

I sincerely hope they fix this. It is IMO somewhat petty.
dw, Happy, lsquare and 3 others like this.
kesco is offline  
Old Dec 25, 18, 7:52 pm
  #1070  
 
Join Date: Jul 2010
Posts: 1,078
Originally Posted by barrytuneup
for those upset with no 4% at certain rest.. just use a 2% card and do most of the spend on Gold card in grocery and rest. that dont use square. Never seen so much crying about a simple thing.. 4% works for me at all fast food places/Chinese rest and Italian rest in my town, plus take out places. Does NOT work art my NYC bagel shop who uses Toast. Simple..I dont use this card there.
Crying over an advertised product that we are paying for not having the promised benefits? Yeah, its called bait and switch
dw, Happy, lsquare and 3 others like this.
lax01 is offline  
Old Dec 25, 18, 8:44 pm
  #1071  
 
Join Date: Jul 2008
Location: LAS ORD
Programs: AA Pro (mostly B6) OZ♦ (flying BR/UA), BA Silver Hyatt LT, Wynn Black, Cosmo Plat, Mlife Noir
Posts: 5,992
Originally Posted by mia
Are these actually restaurants, or other businesses misclassified as restaurants?
"Misclassified" is impossible for me to know (and if it's misclassified, shouldn't that be AMEX's problem, as we've discussed?), but the merchants in question are a big mix. Some are 100% restaurants (AFAICT), some are nightclubs (specifically excluded by the T&Cs) including those that serve food, some are bars/pubs that serve food, one is a cafe-type place that also sells other things. But as noted, several are merchants that earn restaurant bonus not only with CSR, but with AMEX's own other products I've had like Aspire/Surpass.

And again, the main issue I have with AMEX in this case is that they're trying to have it both ways. They don't want to give out bonus points for actual restaurants if they don't MCC as restaurants, process through a non-restaurant-MCC'd merchant, or use certain payment processors like Square - even going as far as to note so many potential instances in the T&C's - but they also want to be able to refuse bonus points for certain merchants even if those merchants MCC as restaurants. To me, this is simply not a tenable stance. When there's a dichotomy between the theory (bonus points on restaurants) and the pragmatic application (how does the merchant MCC), the policy must be to choose one or the other and stick with it. Not unpredictably pick and choose and create all kinds of exceptions to the financial benefit of only AMEX.

Originally Posted by lax01
Lovely...can't wait to get my call back with the same response. What a joke and terrible user experience...especially when there are competing products in the marketplace that make this simple and straightforward

I guess its probably a risk vs. reward thing for them...they can play this game and save some dollars on their end and risk customer frustration
Yes, exactly - it's the unpredictability that is the pragmatic problem. It's particularly ridiculous when even other AMEX products have given the restaurant bonus at merchants where the PRG hasn't.
Happy likes this.
gengar is offline  
Old Dec 25, 18, 9:19 pm
  #1072  
 
Join Date: Oct 2007
Programs: AA, WN, UA, Bonvoy, Hertz
Posts: 2,414
Has anyone thought about contacting Toast or Square to let them know?

Yes, I know it is probably AmEx's problem, but I am trying to see how to get the problem solved.

I get as bummed as anyone when items don't categorize properly (don't even get me started on things like bn.com not classifying as a bookstore for V/MC).

I know that it many cases (just like in the grocery category), there is some behind the scenes filtering maybe based on the actual MCC used. I don't know if AmEx will get someone to tackle the issue across the board.
rasheed is offline  
Old Dec 25, 18, 11:59 pm
  #1073  
 
Join Date: Jul 2010
Posts: 1,078
Originally Posted by gengar


Yes, exactly - it's the unpredictability that is the pragmatic problem. It's particularly ridiculous when even other AMEX products have given the restaurant bonus at merchants where the PRG hasn't.
Want to add more confusion into the mix? I've started using my RPG at my local coffee shop (Go Get Em Tiger) and they ONLY use square...the MCC on the AMEX site says "Category: Restaurant - Bar & Caf" - it codes at 4x lol



So how am I, as the consumer, supposed to make heads or tails of what codes and doesn't code...
lax01 is offline  
Old Dec 26, 18, 7:21 am
  #1074  
 
Join Date: Dec 2004
Location: Apex, NC
Programs: AA EXP, Delta DM, Bonvoy Titanium, Honors Diamond, Hertz Presidents Club, National Exec something!
Posts: 101
wiki

Updated the wiki with an * as a result of these threads.

As a bit of an aside, it's startling that AMEX hasn't noticed this yet at a higher level and taken action... they have many consumer friendly policies especially around disputes. Somewhat surprising they haven't noticed and taken broader action on this one.

Last edited by kesco; Dec 26, 18 at 7:28 am
kesco is offline  
Old Dec 26, 18, 7:56 am
  #1075  
 
Join Date: May 2002
Location: Dallas, TX, USA, Puerto Vallarta, Mexico
Programs: Marriott Lifetime Titanium, AA Platinum
Posts: 38
Does Whole Foods not count as a grocery store? I used Samsung Pay at Whole Foods and did not get 4x. I used Samsung Pay at a fast food restaurant and got 4x.

Out of 5 transactions, only 2 got the 4x. I just went to a steakhouse and spent some significant money. I do not understand why a steakhouse did not count as a restaurant. When you click on the actual transaction, it shows up as a restaurant. Same for all of my other transactions....either restaurant or Grocery. Yet, only 4x on 2 of the transactions.

I'm about to call them. This is unacceptable!

Last edited by rmk1825; Dec 26, 18 at 8:42 am Reason: Added attachment and fixed number of transactions.
rmk1825 is offline  
Old Dec 26, 18, 8:55 am
  #1076  
mia
A FlyerTalk Posting Legend; Moderator: American Express, Capital One, Citi, Chase, Credit Card Programs, Diners Club, Signatures
 
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 47,237
Originally Posted by rmk1825
Does Whole Foods not count as a grocery store?
It does, if you pay with the actual card, including with the built-in Contactless feature. I cannot say how Samsung Pay may alter the outcome, because I do not have a Samsung device.

(You post does not include an attachment).
mia is offline  
Old Dec 26, 18, 9:00 am
  #1077  
 
Join Date: Jul 2008
Location: LAS ORD
Programs: AA Pro (mostly B6) OZ♦ (flying BR/UA), BA Silver Hyatt LT, Wynn Black, Cosmo Plat, Mlife Noir
Posts: 5,992
Originally Posted by kesco
As a bit of an aside, it's startling that AMEX hasn't noticed this yet at a higher level and taken action... they have many consumer friendly policies especially around disputes. Somewhat surprising they haven't noticed and taken broader action on this one.
I agree that AMEX, generally, has good customer service. That's why I escalated the issue, because I have held a favorable view of AMEX and thus put a lot of charges on my various AMEX products that aren't necessarily the best accumulation of points.

But to be honest, I think AMEX long ago decided with the PRG that they were going to take an aggressive stance in order to lower the 4x bonus points they would have to give. Why else would they write so many potential exceptions (especially all those 'maybe, maybe not' exceptions) into the T&C's? Perhaps this is an overly cynical view - but why else would AMEX reject 4x restaurant bonus points for a merchant that is a restaurant and MCC's as a restaurant? There is simply no good rationale for that.
gengar is offline  
Old Dec 26, 18, 9:01 am
  #1078  
 
Join Date: Jun 2012
Posts: 2,913
Originally Posted by rmk1825
Does Whole Foods not count as a grocery store? I used Samsung Pay at Whole Foods and did not get 4x. I used Samsung Pay at a fast food restaurant and got 4x.

Out of 5 transactions, only 2 got the 4x. I just went to a steakhouse and spent some significant money. I do not understand why a steakhouse did not count as a restaurant. When you click on the actual transaction, it shows up as a restaurant. Same for all of my other transactions....either restaurant or Grocery. Yet, only 4x on 2 of the transactions.

I'm about to call them. This is unacceptable!
I used the buffet food cashier at whole foods (contactless tap with actual card)

didn't get 4x...

haven't tried the basket/cart cashiers




contactless works at other (known) supermarkets/non-toast food places and posts as 4x
paperwastage is online now  
Old Dec 26, 18, 9:04 am
  #1079  
 
Join Date: Jul 2008
Location: LAS ORD
Programs: AA Pro (mostly B6) OZ♦ (flying BR/UA), BA Silver Hyatt LT, Wynn Black, Cosmo Plat, Mlife Noir
Posts: 5,992
Originally Posted by rmk1825
Does Whole Foods not count as a grocery store? I used Samsung Pay at Whole Foods and did not get 4x. I used Samsung Pay at a fast food restaurant and got 4x.
Originally Posted by paperwastage
I used the buffet food cashier at whole foods (contactless tap with actual card)

didn't get 4x...

haven't tried the basket/cart cashiers
I've always gotten the 4x at Whole Foods when checking out in the normal lines and using EMV. I've never tried contactless or app pay solutions.
gengar is offline  
Old Dec 26, 18, 9:05 am
  #1080  
Original Poster
 
Join Date: Aug 2007
Location: Truth or Consequences, NM
Programs: HH Diamond, Marriott Titanium, Hertz President's Circle, UA Silver, Mobile Passport Unobtanium
Posts: 6,143
Originally Posted by lax01
Want to add more confusion into the mix? I've started using my RPG at my local coffee shop (Go Get Em Tiger) and they ONLY use square...the MCC on the AMEX site says "Category: Restaurant - Bar & Caf" - it codes at 4x lol
Wow, you must be really angry about this.

"A rocket-propelled grenade (often abbreviated RPG) is a shoulder-fired anti-tank weapon system that fires rockets equipped with an explosive warhead. Most RPGs can be carried by an individual soldier."

https://en.wikipedia.org/wiki/Rocket-propelled_grenade
Diplomatico is offline  

Thread Tools
Search this Thread