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Lookout Amex your Platinum/Centurion cardholders will switch to Merrill Lynch Visa

Lookout Amex your Platinum/Centurion cardholders will switch to Merrill Lynch Visa

Old May 9, 04, 10:36 pm
  #16  
 
Join Date: Feb 2002
Location: USA
Programs: AA2, DL2, Amtrak2, US2, SPG1, MAR2
Posts: 2,543
U.S. Centurion gets you the following with airlines:

Delta Gold Medallion
US Airways Gold Preferred
Continental Gold Elite
Northwest Gold (by association with CAL)
Star Alliance Gold (by association with US Airways)
Extra benes at United (by association with US Airways)

Delta Crown Room Clubs (also a Plat bene)
Continental President Club (also a Plat bene)
Northwest World Club (also a Plat bene)

...I think that's it...

-DR
DrivingRain is offline  
Old May 10, 04, 9:57 am
  #17  
Original Member and FlyerTalk Evangelist
 
Join Date: May 1998
Location: Kansas City, MO, USA
Programs: DL PM, WN A-List/CP, HH Dia, Hyatt Glob, National ECE, Hertz PC
Posts: 15,544
I wouldn't touch this card with a ten foot pole if its backed by MBNA. In my experience MBNA will nickle and dime you to death and their customer service can't touch AMEX (so if you think AMEX is bad, you've got a whole new level of pain coming with MBNA).
Beckles is offline  
Old May 10, 04, 11:20 am
  #18  
 
Join Date: Mar 2003
Location: BRU, DCA, ZRH, JNB, FRA
Programs: UA Global Services 2MM, DL 360, AmEx Cent, Bonvoy Titanium Lifetime, Moms love me
Posts: 5,052
Originally Posted by robertw477
Now the comments about centurion getting you domestic upgrades to first, I heave not heard anything about that. Are you guys saying I can book all my aa tickets in coach and get unlimited domestic upgrades? The airline club thinghas limited appeal for me. You need to be flying the airline that is offered, and only a few airlines qualify. AMEX platnium offers the same perk.
Rob
Check the info all over this board. Centurion provides gold on Delta, Continental (free domestic upgrades) and US Airways (again, free domestic upgrades.) Not guaranteed, but the chance is there.

Not to mention the room upgrades from Starwood, Hilton, Hyatt....
ironmanjt is offline  
Old May 10, 04, 5:52 pm
  #19  
 
Join Date: Dec 2001
Location: Coconut Creek, FL
Programs: AA Lifetime Platinum-2 MM Starwood Plat,Delta DM
Posts: 949
Originally Posted by ironmanjt
Check the info all over this board. Centurion provides gold on Delta, Continental (free domestic upgrades) and US Airways (again, free domestic upgrades.) Not guaranteed, but the chance is there.

Not to mention the room upgrades from Starwood, Hilton, Hyatt....
Continental is one of the tightest airlines out there for upgrades and using miles. I would like to see how many of these first class upgrades you could get a year with them. The platium cardcovers the club room benefits which are limited in value. You can get plenty of club passes in trade on flyertalk board (coupon connection) If you fly CO or Delta alot you might already have gold status with them anyway.

I got Starwood gold as a free perk from aa this year. If you travel alot using Starwood you can easlity reach Gold status and possibly platnium status anyway. I dont think there will be many us airways benefits as they have a 50/50 chance surviving liquidation.

Rob
robertw477 is offline  
Old May 10, 04, 5:55 pm
  #20  
 
Join Date: Dec 2001
Location: Coconut Creek, FL
Programs: AA Lifetime Platinum-2 MM Starwood Plat,Delta DM
Posts: 949
Originally Posted by Beckles
I wouldn't touch this card with a ten foot pole if its backed by MBNA. In my experience MBNA will nickle and dime you to death and their customer service can't touch AMEX (so if you think AMEX is bad, you've got a whole new level of pain coming with MBNA).
I have only starting using mbna cards a few months ago. I find them to be very generous with their credit lines. I tend to think that they cater to alot of higher end cardholders. I know they deal many affinity type cards, but I think they also have a good customer base of big chargers.

Rob
robertw477 is offline  
Old May 10, 04, 8:52 pm
  #21  
 
Join Date: Mar 2004
Location: New York, NY
Programs: CO plat
Posts: 230
Just to respond to any earlier post about continental upgrades, as a gold ( a centurion benefit) I am 100% this year approx. 14 for 14 including "tough" flights such as las-ewr on a sunday night.
mrtruman is offline  
Old May 10, 04, 9:18 pm
  #22  
 
Join Date: Feb 2002
Location: USA
Programs: AA2, DL2, Amtrak2, US2, SPG1, MAR2
Posts: 2,543
Originally Posted by robertw477
Continental is one of the tightest airlines out there for upgrades and using miles. I would like to see how many of these first class upgrades you could get a year with them. The platium cardcovers the club room benefits which are limited in value. You can get plenty of club passes in trade on flyertalk board (coupon connection) If you fly CO or Delta alot you might already have gold status with them anyway.

I got Starwood gold as a free perk from aa this year. If you travel alot using Starwood you can easlity reach Gold status and possibly platnium status anyway. I dont think there will be many us airways benefits as they have a 50/50 chance surviving liquidation.

Rob
I disagree with this analysis. Gold status is not easy to reach at any airline. The beauty of Centurion is that you get Gold on 4 airlines (CO, NW via cal, US, DL), Star Gold, + UAL extras. So I can choose any of these airlines on price alone, have absolutely no worries about EQM crap and still get upgraded at very high %. The annual fee pays for itself in the fare savings alone...let alone the upgrades.

As a former Starwood Gold and now Plat, the difference for me has been night and day. Immediate recognition at every property for Plats. As a Gold I was barely noticed.

And, oh yeah...Hyatt Diamond, Mandarin 1 free night on 2 night stay at reasonable rates, Ritz Carlton extra benes that are usually worth $150 over platinum, etc., etc.

But they key is the airline programs. Without them I would be out of Centurion and back to Plat quickly.
DrivingRain is offline  
Old May 11, 04, 5:19 am
  #23  
 
Join Date: Dec 2001
Location: Coconut Creek, FL
Programs: AA Lifetime Platinum-2 MM Starwood Plat,Delta DM
Posts: 949
Originally Posted by DrivingRain
I disagree with this analysis. Gold status is not easy to reach at any airline. The beauty of Centurion is that you get Gold on 4 airlines (CO, NW via cal, US, DL), Star Gold, + UAL extras. So I can choose any of these airlines on price alone, have absolutely no worries about EQM crap and still get upgraded at very high %. The annual fee pays for itself in the fare savings alone...let alone the upgrades.

As a former Starwood Gold and now Plat, the difference for me has been night and day. Immediate recognition at every property for Plats. As a Gold I was barely noticed.

And, oh yeah...Hyatt Diamond, Mandarin 1 free night on 2 night stay at reasonable rates, Ritz Carlton extra benes that are usually worth $150 over platinum, etc., etc.

But they key is the airline programs. Without them I would be out of Centurion and back to Plat quickly.
Fare savings? What fare savings?
robertw477 is offline  
Old May 11, 04, 6:13 am
  #24  
 
Join Date: Feb 2002
Location: USA
Programs: AA2, DL2, Amtrak2, US2, SPG1, MAR2
Posts: 2,543
Originally Posted by robertw477
Fare savings? What fare savings?
Because I have status on 4.5 airlines (UAL counts as .5 via US) I have the freedom to choose among all of those airlines based on price alone. In order to earn Gold Status, most people have little choice but to choose one airline even within an airline alliance.

For example, I bought a ticket last night on NW to EWR. It was $184 all-in. If I was a CO Gold I would only have gotten only 50% EQM and would have had to seriously consider flying CAL for $85 more. That EQM stuff made no difference to me. I saw the lowest price and grabbed it knowing I will be a CO Gold next year.
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Old Oct 6, 04, 10:31 am
  #25  
formerly known as daveland
 
Join Date: Oct 2003
Location: NY, NY, USA
Programs: AA LT Gold, Marriott Titanium, United Silver, Hilton Honors Diamond, Wyndham Diamond
Posts: 2,884
Hmm. So is this the only thread on the Merrill+ card? Nobody is enthused by the fact that you can use the points to get flights on domestic AND international flights and those flights will be mileage earning flights? And that the +2 and +3 perks don't take away from your accrued points? And that there's no annual fee?

I've been trying to decide on applying for this as a Visa supplement to my *wood AMEX and am surprised it's not getting more attention. Maybe some people can explain why....
MilesTalk is offline  
Old Oct 6, 04, 10:59 am
  #26  
 
Join Date: Apr 2002
Posts: 2,490
I have the card, but it's currently dormant becuase I took a cash advance and have the funds sitting in my money market for a year earning interest. BTW, the interest rate is 0% for 12 months and a one time fee of $50.

I agree that this is a pretty good card given that you can double dip with the points earning and Ritz Carlton free nights. Given the ever increasing uncertainty of airline bankruptcies, I am beginning to think that frequent flyer loyalty isn't what it's all cracked up to be. With that said, I still use my *wood AmEx as my primary card given the value of starpoints.
TTT103 is online now  
Old Oct 7, 04, 7:50 pm
  #27  
 
Join Date: Mar 2004
Location: WINTER PARK, FLORIDA
Programs: spg plat, delta,cont. gold
Posts: 84
Originally Posted by daveland
Hmm.
I've been trying to decide on applying for this as a Visa supplement to my *wood AMEX and am surprised it's not getting more attention. Maybe some people can explain why....

Dave, The card is a great deal. I only use it to suppliment my Amex starwood. To get the most value , it's best to only charge $ 50K per year.
With that amount you earn 3 nights at the Ritz plus 50K airlines miles ( two round trip tickets). After 50K there are no more incentive bonuses, only standard points. AMEX MR typically costs 50K per night for a night at the Ritx. So you get almost 4 for 1 points.

Here what I did, I opened up two accounts, one For my Wife and one for myself. They have generous limits. This month, I will stop using the card untill the next calander year.

For my 100K in charges I earned 6 nights at the Ritz and four r/t coach tickets. I think the ualue is even higher than starwood ( assuming St Regis stay are the same as Ritz)
EQ4803 is offline  
Old Oct 8, 04, 3:52 am
  #28  
 
Join Date: Sep 2004
Programs: DL (suckered me into) Diamond, ICH Plat RA, SPG Plat
Posts: 162
Originally Posted by EQ4803
Dave, The card is a great deal. I only use it to suppliment my Amex starwood. To get the most value , it's best to only charge $ 50K per year.
With that amount you earn 3 nights at the Ritz plus 50K airlines miles ( two round trip tickets).
I've been thinking about picking up this card too. Shouldn't you have received 4 free nights though? One night when you reach the +2 level ($20K), and three more nights when you reach the +3 level ($50K)?
boxweaver is offline  
Old Oct 8, 04, 7:41 am
  #29  
 
Join Date: Jan 2001
Posts: 1,874
Here are the FULL details:

Annual fee
None.

†Annual Percentage Rate (APR) for purchases
5.9%

Other APRs APR for Bank and ATM Cash Advances
5.9%

APR for Balance Transfers and Cash Advance Checks
5.9%

Grace period for repayment of balance for purchases
At least 25 days from the statement Closing Date (provided you have paid in full the New Balance Total from the previous statement by its Payment Due Date).

Method of computing the balance for purchases Average Daily Balance (including new transactions).
Transaction fees for all cash advances and fees for paying late or exceeding the credit limit Transaction fee for Bank and ATM Cash Advances:3% of each cash advance (minimum $5).

Transaction fee for Balance Transfers and Cash Advance Checks
3% of each cash advance (minimum $5, maximum $50).

Late-payment fee
Based on your balance on the business day after the Payment Due Date - $15 if $100 or less; $29 if between $100.01 and $1000; $39 if over $1000.

Over-the-credit-limit fee
Based on your balance as of the day the fee is assessed - $15 if $500 or less; $29 if between $500.01 and $1000; $39 if over $1000.

Transaction fee for purchases Transaction fee for the purchase of wire transfers, person-to-person money transfers, bets, lottery tickets, and casino gaming chips
3% of each such purchase (minimum $5).

§ Earn 1 Point per dollar of new net retail purchases charged to your MERRILL+SM Rewards Program credit card. Purchase transactions are rounded to the nearest dollar.

Cash advances, purchases of money orders or other cash equivalents, unauthorized or fraudulent transactions, and fees and finance charges do not earn Points.

Points have no cash value, cannot be used to pay any credit card balance, and are valid for 5 years.

TRAVEL REWARDS have Point and corresponding maximum dollar value ("MDV") requirements. Miscellaneous costs not included. Rewards subject to availability.

Air There are 2 categories of Air Rewards: (1) Standard and (2) Special. There are 2 levels of Standard Air Rewards: (a) Preferred Carrier and (b) Non-Preferred Carrier. Standard Air Rewards offer worldwide coach-class travel departing from and returning to the U.S. (includes the District of Columbia, Alaska, Hawaii, and Puerto Rico) on eligible U.S. carriers. Required Points/MDV for Preferred Carrier Rewards: 25,000/$500; for Non-Preferred Carrier Rewards: 30,000/$500. You may select an eligible carrier/flight only if you choose a Non-Preferred Carrier Air Reward. You may obtain upgrades and/or exceed the MDV if redeeming additional points beyond 30,000. Other terms and costs may apply. A Special Air Reward consists of one (1) coach-class, round-trip air ticket for travel within the contiguous states (includes the District of Columbia). Each year (Jan. 1 - Dec. 31, inclusive) you may obtain one (1) Special Air Reward ticket for 20,000 Points/$400 MDV upon payment of a $20 fee. MDV includes all taxes and destination fees except the September 11th Security Fee. Other significant terms apply.

Car. Rent any car for any number of days with pickup and return to the same rental location within the U.S. For every 5,000 Points you redeem for an eligible rental, you will receive a ($50) credit toward the cost of the rental. 5,000 Points = $50 MDV. 7-day advance reservations are required and arrangements are subject to availability. Credit, age, and driver requirements apply. Miscellaneous costs are your responsibility. Additional terms apply.

Hotel. For every 5,000 Points you redeem, you will receive a ($50) credit toward the nightly cost of the accommodations. 5,000 Points = $50 MDV. 7-day advance reservations are required and accommodations are subject to availability. No minimum stay requirement. Miscellaneous costs are your responsibility. Additional terms apply.

MERCHANDISE AND GIFT CERTIFICATE REWARDS. Complete selection is available online or from a printed mini-catalog. Featured items may not reflect actual rewards. Goods of equal or similar value may be substituted if reward is unavailable. Rewards shipped prepaid.

SPECIAL EXPERIENCE REWARDS and +2 and +3 TIER BENEFITS: Cardholders may qualify for opportunities for limited-availability rewards such as vacation packages and sporting event tickets. Achievement of +2 and/or +3 level status will be based on total value of net retail consumer purchases charged to the card within a calendar year. Cash advances, including balance transfers, fees, finance charges, and purchases of money orders or other cash equivalents will not qualify for achievement of +2 or +3 status. +2 and +3 cardholders will have access to special discounts, upgrades, and similar benefits offered by and through third party suppliers. Special terms will apply and Point redemption requirements, if any are applicable, will be based on the dollar value of each of the rewards. Details will be provided at http://www.rewards.merrillcard.com as each reward becomes available. Account must have active charging privileges to qualify for any reward. Unless specifically authorized by MBNA, Points and rewards may not be combined with discounts or other programs, including airline or credit card programs, in the U.S. or abroad. Rewards fulfillment is managed by Carlson Companies, Inc., and its affiliates, including Carlson Travel Group and Carlson Marketing Group. Carlson Travel Group is a travel agency registered to do business in California (Reg. No. 2036509-50); Ohio (Reg. No. 87890286); Washington State (601123777430) and other states, as required. The Program is sponsored by MBNA. We are not responsible for errors and/or omissions in any Program document. Program terms may change. Program void where prohibited by law. Details accompany new account materials or view Program Rules at www.rewards.merrillcard.com.
DelrayChris is offline  
Old Oct 8, 04, 7:51 am
  #30  
 
Join Date: Jan 2001
Posts: 1,874
I am not one for credit cards, however, in this case 5.9% APR for purchases and cash advances is a nice deal, especially with the 25-day grace period.

You can't obtain a 5.9% cash loan from any bank, unless you are utilizing a home equity loan line-of-credit.

here is a photo of the thing:
http://www.cardweb.com/images/m/merr..._visa_trak.jpg

Last edited by DelrayChris; Oct 8, 04 at 7:58 am
DelrayChris is offline  

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