5 Reasons to GET American Express Cards
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- เผยแพร่เมื่อ 18 มิ.ย. 2024
- 5 Reason to Get American Express Cards
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If you're on the fence, here are 5 Reasons to AVOID American Express Cards: • 5 Reasons to AVOID Ame...
Timeline
0:00 Start Here
0:38 High Spending Multipliers
1:41 Credits
3:55 Travel Perks
7:52 Elite Status and Free Nights
10:19 Insurance Coverage
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The opposing side: 5 Reasons to AVOID American Express Cards - th-cam.com/video/rwLz4J9BiFw/w-d-xo.html
I like that you brought up the point about not over valuing credits. If you know there is a good chance you might not get around to using them, they shouldn’t really enter into the equation to justify the annual fee.
I swear Sebby is sponsored by the Maldives National Government, he recommends visiting there in every video!
Religious extremism has taken over there so be careful
😄😄😄
I'm so torn. I loved Amex when I lived near a delta hub. The lounge access on the east coast was nice. But now that I'm back in the midwest with no lounges and United and southwest reigning supreme....chase is my new boo
AMEX makes it so easy to be a customer, almost as easy as you make it to be a viewer, and student of yours!
:)
Amex customer service is second to none. No one can argue with that.
I agree. Other banks/companies bury their customer service numbers in their websites. You have go through a series of FAQ articles to say “no this doesn’t answer my question” to get the CS number. With Amex, the number is right under contact us.
Yup they always answer my question in a fast manor!!
Charles Schwab is just as good if not better
Active duty military here and no one ever talks about how the fees are waived for us. That's a big deal seeing that we travel a lot and many of us have ignored these cards cause of the fees not knowing they get waived.
They don't mention it because it doesn't apply to the majority of their audience. @jake Broe has done a lot of good videos about cards for military members. Can't be mad at @ask sebby because he does great breakdowns of everything IMO.
So it’s a bad option?
@@pain2625 I have both the gold and the platinum. With the fees waived, the benefits are immense.
@@TTMTrades I’m leaving to the army by the end of the year, which do you recommend more? I’m 18 and still learning
@@pain2625 Travel go platinum... everyday use to Gold...I have them both Because the fees are waived. Whenever I'm on travel overseas for the military I use my platinum and when I'm home with the family (gas, groceries, out to eat) Gold
Their customer service also has been pretty spot on for me. Sometimes it's such a huge difference in service from other credit card companies. 👏🏽
I've always loved the fact that I can understand 100% of the representatives. They are very kind too on the messages
@@o.c.g.m9426 #facts.
I like what you said about using chase for hotels and AMEX Plat for flights, never thought about that
Team Cash Back here...
Watching to see if I get angry...
So far, so good...
Well done, Seb 😎👊
Thanks! :)
Cash back hands down ✊🏿
All day
@@callmeNeno - Ahhh yeeee 😎💵💵
@@ow5966 - Every day 😎💵
FLL (#14 on your busiest airport list), although not a Delta hub, has a new, beautiful Delta lounge. Well worth a visit if you're flying Delta though FLL.
Cool video, even cooler is that you whipped out a Knipex slip joint pliers...some of the best tools I've ever used.
Subscribed for your Admiral Ackbar impression
Nice you brought up that example of credits for the annual fee. Deabatable in my situation, single and low spend
I love my Amex cards and I think Amex cards can be great, but you have to be on top of things to make sure you get great value from them. I don't think most people do enough research or optimize the benefits of the cards. I think for most people a Chase setup would benifit them more. But if you understand the game and you're disapline, Amex is Gold! (Or Platinum 😉)
Couldn’t agree more. The average joe doesn’t really have an interest to learn how to make these higher af cards make sense
@@azalex91 tips?
Hey Sebby great video! Under number 3 perks you forgot to mention the escape lounge. Several different Amex cards will get you complimentary admission. You don’t necessarily need an Amex for admission but you can score a free visit if you do! Thanks
I’ve spent $113k this year so far on Amex cards and try to optimize my spending but it can be to much at times. I’ve received $3200 in Amex offers alone this year.
American Express cards are my primary go to and I use some of my benefits to help my children and grandchildren travel more comfortably!
I have the Platinum, Gold, Green, Hilton Aspire, and BBP. I’ll pick up the Amazon Business Prime in November.
I’m retired with a ton of travel in my lifetime so I’m winding down my travel in a few years and will transition to mostly cash back cards at that time.
Great in info !
Didn't know that you can use countif formulas with emoji's either. Thanks for showing us!
I have every AmEx card, business and personal! The pandemic really hurt me, bad!
It's good you stay on the Credit card topics, unlike 'Brian Chung' who changed up to Crypto. He lossed alot of subscribers once he switched. Big fan of yours
That Brian dude is a sellout loser. I don’t trust his type. I met him a couple of years ago he’s a real snub
@@matthewrivers8153 What you expect, he lives in Montgomery county
But he also gained over half a million subscribers he's almost at million subs right now
I just checked his page again and he hasn't done any more credit card videos so it looks like he's done with them I never was a subscriber to his page
Canadian Platinum; $200 travel credit is big, then the immediate Gold Status at Bonvoy which can be status matched to a bunch of different places (Bonvoy Gold to Wyndham Platinum to Ceasers Platinum to M Life Gold, for Vegas), Lounges (which are ~$50 each time I'm in an airport), and really good insurance that prevents me from having to spend $150-$200 a trip for similar coverage are all huge. Then incidentals like extended warranty and purchase protection are quite minor, but nice perks. Then there's the other less used things like Fine Hotels and Resorts (which is good for a short stay for the upgrade and credits), the bang-on customer service, and all the insurance, the offers which returns anywhere from $50-$200 a year in free stuff I was going to buy anyway? Makes up for the annual fee and then some.
I have no interest in American xpress or chase cards but I luv watching Sebby anyway, still gives good credit card advice
That Fellow cup is looking mighty fine!
Hi Sebby! I got the AMEX Propel card a bit back after doing some research on your channel. I still love using mine but I saw recently that Wells Fargo was discontinuing it. I was wondering if you had any recommendations on a good replacement card or advice for folks who's cards are discontinuing it in general. Thanks for all the helpful info!
Wow you really know your stuff
Great review. I kinda view AMEX's benefits equally as described here. Chase has easier travel credits, but more less so earning multiple's, travel perks, and Elite Status. Plus their Insurance coverage may be equal on paper, but there are to many horror stories regarding filing claims. Thanks.
Seby,
Also can you cover Amex travel price match ?
BEST CUSTOMER SERVICE PERIOD.
I have the Platinum Charles Schwab and the Gold Delta.
5-10 dollars per visit of value when going to a centurion lounge? its more than that! I (and my friends) easily rack up 70 bucks worth of stuff in food and drinks and internet when going each time.
Do law enforcement get fees waived too? For Canada? Or i’m guessing it’s strictly only for who serve in the military?
Centurion lounge in ATL? Did I miss something ? ATL is my home airport.
Me, a single man with low spend. I’m in the fence about annual fees.
Similar situation. Don’t do, or even have access to the kind of spending that would make those cards’s numbers work out for me. I’ll stick to a convoluted system of cash-back cards for the best benefit for our lifestyle right now…
As a fellow single guy...what I do is travel alot and just put all bills (I would pay anyway every month) on my card. I live in NY so uber def helps & bc I travel, global entry, clear credit, priority pass & lounge access helps. At least I can get annual fee down to like $400 if not less
@@o.c.g.m9426 100% facts same here
Chase might offer a better value for you, sir.
@@crabcakes4194 - yup, I’m pretty deep into Chase.
Can you make a video on how Amex credits work I am confused about them
I love my delta platinum card!!
Hey Sebby can the Blue cash preferred or Blue cash everyday be used to earn MR if you have a MR earning card already?
I am interested in the premium rental car you can elect to purchase through your Amex card. It is primary coverage for your rental car for $25 per rental period, as long as it is no more than 41 days. How does it compare to the primary coverage with Chase, which has no up charge? I have used the Amex coverage, but never had to make a claim. Anyone ever had to make a claim? I understand there is no deductible.
Do you know how many people currently hold an amex platinum? I bet it's less than a million
can you share the Google Sheets for the airlines?
#teamcashback here… lol, thanks for all the info u provide us asksebby 👍🏿👍🏿🤘🏿
Pretty Early. Looking to get AMEX Gold!
Notification squad! :)
Cool coffee hack! What's your trick, did you freeze the kcup?
Nope, it's from Cometeer. My new favorite coffee co. :) They sponsored the previous video + coupon link here: th-cam.com/video/btO08ROVexs/w-d-xo.html
how do you prove your stuff broke or got lost?
As far as I can see, Newark, EWR does not have a centurion lounge
I was at ewr 3 weeks ago. Most lounges are closed. I don't recall seeing centurion. But this is from google: This lounge is located in terminal 4 after security.
The centurion lounge in Seattle was pretty minimal, I was not impressed
Ask any civil engineer how hard it is to build yourself out of congestion. This will be a HARD LESSON for Amex to learn. They will NEBER be able to build enough Centurion lounges to reduce traffic.
It’s like a highway, never has a highway been built that really much difference by way of reduced traffic.
Idk what it is but I can never find a direct flight with delta
Amex Platinum be like the Coupon Book from the The Office Halloween contest.
Oscar: "you realize you'd have to spend like a million dollars on stuff you don't need for the Amex Platinum to be worth it right?"
Everyone else: 😐😐😐
Amex platinum still has the best flex value.
The platinum card literally has become a coupons book.
And coupons no one really wants lol
I love the BCE. That was mid-game for me
I do, however, have a very low-spend lifestyle in very rural America, so the high annual fee cards they offer just don’t suit us. I can come out ahead on groceries, but we only travel every few years after saving up, don’t have access to Uber, or food delivery (or actually any restaurants within 15 miles, and then only 4 if you include a Dunkin in a gas station and a Subway…), so almost all the perks of those guys are inaccessible to me (and I have the Propel, Savor, and Uber cards, so dining’s covered if we ever eat out…). AmEx’s top tiers are great cards if you live a life, or have a job that allows you to to maximize them, but for me and our lifestyle, the numbers don’t work out…
I'm a huge fan of its a trap meme love it lol
I think for real travelers Amex makes 100% sense. However, you need to be ready to book business or first class because for budget travelers Chase can make more sense!
I am currently using the hotel credit ($200) to stay 2 nights in canopy hilton zagreb croatia plus $100 credit for food and drinks. End spend in this hotel, $10+ after taxes and fees 😎
I'm trying to find a good spot to use this credit
@@gilbertnicholas1582 Give Amex a call; you typically get a higher level support rep when you’re Platinum. They’ve helped me choose hotels in the past.
This is for people who like to travel or have a business
Eh Amex Plat lounge sucks, Had to wait to get in
Road to 200K!!! 💪🏾💪🏾💪🏾
So close!
I’m about to apply for my first AMEX card in a few weeks!
Good luck there.. which one you have in mind?
@@cgaspar2017 blue cash everyday. Making a big purchase and wanted a good 0% apr card
@@michaelhenson9478 sweet... great card that was my first card
I got approved for my first one with the delta gold amex card. My next card will be the amex platinum hopefully in the next year or so
@@ordinarygamer1353 good luck! Credit is a lot of fun when used responsibly I’m learning
I used to think the platinum card was such an amazing card. Now, I’m probably going to downgrade my card to a Gold or maybe the bonvoy brilliant
How come the Centurion Card wasn't mentioned? Since large spending was mentioned, it could potentially be an option to get that card, especially since it offers status to a lot mentioned. It's invite only, but you can request an invite now.
For people with an average annual spend of $250K or more on lower level AMEX cards first.
And sometimes you would use the uber credit, but uber thinks you are trying to cheat/scam when using the credit and decides to block your account and phone number so you can never use anything uber again 🙃
wait a second. So you get Diamond Statues on Delta on just spending on anything in your life or it has to be on flying with them ?!
You need to fly, but the card helps with earning MQMs for status boost.
Admiral Sebby :D
The Amex Gold was perfect for me. I do eat out a lot and order food when I'm at work so that $240 in credit toward those expenses was FABULOUS! ❤
I used card match as advertised, now the robo calls wont stop!!
You forgot to mention the biggest reason why NOT to get AmEx if you travel a lot: they are barely accepted internationally, especially in Asia (except for maybe Hong Kong). You can travel to SE Asia, China, a lot of European countries, throughout Africa and you will see how your fancy Platinum gets denied every time- embarrassing and dangerous if you do not have a backup card (Visa) or cash to pay. Speaking on personal and a lot of friends' experiences. Nothing like my Chase Sapphire Reserve
Thank you
Love the quality, so crisp that i can see the pores
😱
How common are upgrade offers? I just got a Gold card last year with a 75,000 point bonus, and now I am getting asked to upgrade for 100,000 points and a $150 statement credit for $6,000 in spend over 6 months. Seems like a crazy good offer. I was not planning to get a platinum anytime soon, but this seems too good to pass up.
Get it, I did! I also got 15X on dining and small businesses!!
Oh sorry, I got 125,000 points!
@@RamsesRoa Was your the Plat Business? Mine was personal. It also comes with 5x on Dining and groceries for 6 months. 15x sounds crazy good.
@@chaddaniel254 mine was personal!!
You told us not to get one a few days ago
I got 450$ deal on a qsuite business class seat with Amex platinum
WHAAAA?! HOWWW?!?! Which route!? That's an incredible deal
@@LaBoricuaOG sorry 450$ discount on regular price ticket
I love the blue cash preferred! You can't beat it, so easy to beat the 95$ annual fee. Only thing that sucks is it's only statement credit so it's not as satisfying as points or actual cash
Yes... you can. I used to have the BCP, and it's a great card, but at $95/yr, it's more cost effective to use something like Citi Custom Cash. It only has 5% back but beats the pants off paying the AF for BCP which also has a limit.
@@richard1113 you realize the custom cash card is also capped at 6000$ per year right?
@@richard1113 and i have the custom cash I use that as my restaurant card. I use amex bcp for gas tolls streaming services and grocery (their highest catagories)
whta is statement credit? just credit to pay off your credit card bill?
Hey sometimes what you can do is request check. When you have zero balance go and request a statement credit then your account will have a negative balance don't use the card. Call them up and ask if they can send you a check. It works every time for me!!
Travel rewards suck right now and most of the Amex offers other than travel are for central city dwellers. Those of us who live in rural and suburban areas and still use Amex are subsidizing the takers in the city. This is nothing new as rural and suburban America is now and has been subsidizing city dwellers for decades. The vast majority of federal tax money is spent on dependent city dwellers for housing credits WIC, aid to dependent children and other welfare programs. With that in mind, it would be excellent if some financial institutions would decide to reward those who actually pay the freight for the super dependent city dwellers.
I agree. Sticking with my CSR and ink. Don’t need a ridiculous AF to feel like a big shot in the centurion. I make enough to buy my own breakfast.
Back to normal.
My man got jokes
Im team cashback
Amex cards + platinum Schwab = team cash back.
Can I get the Platinum fee waived by having a veteran as an authorized user?
I wonder how much was the bribe to make him switch....geeeez
Wait a damn minute.
👀
Right now I'm 100% Team AmEx
Amex has the best credits. My annual fee has paid for itself these last two years.
😮😮😮😮❤
What are you talking about ? You lost me 5 minutes ago
First 50 comments :))
🙌
Sad to say I just got rid of my platinum card after being a member for 8 years. I just can not back my spending and Amex profits on a company that benefits from capitalism yet pushes anti-capitalism and crt rhetoric. Sad state of affairs I am afraid.
First view?
🥇
Cap
It's a trap!!!!!
Bro. I used to rewatch your videos religiously. In fact, it's bc of you that I got into the CC game.... So, for that I wanna say thank you. But I cannot stand to watch your videos. Please take this as positive criticism - the way you speak with your hands is soooooo irksome. It's like nails on a chalk board. You flare your hands sooooo much that I can't even watch your videos. I have to let it play in the background. Please fix this man.
I loved American Express until they showed there racist ways. NO ONE should get this card and the company should burn until the racist management is removed.
As Team Cash Back, DISLIKE AND UNSUBSCRIBE
Centurion lounge visits.
Miami, Dallas, Las Vegas, Dallas, Miami, Lax, Miami,vegas = maybe like 150 in value
Fine hotel and resort new credit $200
Regular credits added from all trips $250
Status with the rental cars saving like $300
Uber credits and uber rides
Airline credit for premier seats