I think you might have missed the most important difference. Amex Platinum is marketed as a travel card. Overseas purchases overseas with a US card have a 0% transaction fee, whilst here in the UK it's 2.99%
That is a really good point. I kind of look past it at this point because most UK credit cards charge the 3% foreign transaction fee. But in this case it's a £650 *travel* credit card we're talking about.
“So much behind” doesn’t sound right in English, because much refers to quantity, rather than distance. You should retitle it to “so far behind”, it will make much more sense. 🙏 👍
I have actually seen a targeted welcome bonus in the UK via browser cookies. For me it offered 25k MR Points for the Gold and an extra £10 cashback on the free Cashback card. It also came with a warning that it might disappear when I click off the website and to not rush any decisions when taking out credit. That offer has since disappeared, wasn't that generous anyways!
Hm, when was that? Asking cause Amex runs the 25K promotion on the Gold card every now and then (I think the last one ended at some point in June / July)
@@LoyaltyLlama This was a couple of weeks ago. That was the first time I've ever seen anything like this before in the UK. It wasn't the boosted welcome bonus that they do ever so often. The Everyday Cashback Card was doing (and still is) the boosted bonus to £125 for the first 5 months. It offered me an additional £10 cashback on top of that. What was even more interesting was that it had this targetted offer on my phone when looking at the website too.
@@LoyaltyLlama I've managed to find a screenshot of it on Google. It's an older screenshot from 2022 and much more generous targetted offer. But same cookie message remains. insideflyer.co.uk/wp-content/uploads/2022/07/Screenshot-2022-07-03-22.35.51.png
IMHO - there's an aspect of bribe's/cashbacks feeling dishonest at some level.... Its changing of course - but its a different market to the U.S. Credit cards already have a fee - interest. Paying for them too - doesn't make a huge amount of sense.
To be fair, interest is the fee for borrowing money. You don't have to pay it if you pay off your card on time every month (which ideally should be the case since interest rates on most cards are ridiculous) While the annual fee is what you pay on cards that offer (substantial) benefits on top of just the basics.
@@LoyaltyLlama It's the combination of the wide zoom and having the camera too close to your face. If you sat further back and didn't zoom out as much, it would make the videos look a bit better (in my opinion)
70K points welcome bonus on the Amex Platinum. Drop me a message for a referral link: loyaltyllama@gmail.com
I think you might have missed the most important difference. Amex Platinum is marketed as a travel card. Overseas purchases overseas with a US card have a 0% transaction fee, whilst here in the UK it's 2.99%
That is a really good point. I kind of look past it at this point because most UK credit cards charge the 3% foreign transaction fee. But in this case it's a £650 *travel* credit card we're talking about.
There was an EU directive that was signed to prevent credit card rewards from being too high in the UK
“So much behind” doesn’t sound right in English, because much refers to quantity, rather than distance. You should retitle it to “so far behind”, it will make much more sense. 🙏 👍
No one cares
I like it! It also makes the video title a tiny bit shorter. Thanks, updated!
I have actually seen a targeted welcome bonus in the UK via browser cookies. For me it offered 25k MR Points for the Gold and an extra £10 cashback on the free Cashback card. It also came with a warning that it might disappear when I click off the website and to not rush any decisions when taking out credit. That offer has since disappeared, wasn't that generous anyways!
Hm, when was that? Asking cause Amex runs the 25K promotion on the Gold card every now and then (I think the last one ended at some point in June / July)
@@LoyaltyLlama This was a couple of weeks ago. That was the first time I've ever seen anything like this before in the UK. It wasn't the boosted welcome bonus that they do ever so often.
The Everyday Cashback Card was doing (and still is) the boosted bonus to £125 for the first 5 months. It offered me an additional £10 cashback on top of that.
What was even more interesting was that it had this targetted offer on my phone when looking at the website too.
@@LoyaltyLlama I've managed to find a screenshot of it on Google. It's an older screenshot from 2022 and much more generous targetted offer. But same cookie message remains.
insideflyer.co.uk/wp-content/uploads/2022/07/Screenshot-2022-07-03-22.35.51.png
IMHO - there's an aspect of bribe's/cashbacks feeling dishonest at some level....
Its changing of course - but its a different market to the U.S.
Credit cards already have a fee - interest. Paying for them too - doesn't make a huge amount of sense.
To be fair, interest is the fee for borrowing money. You don't have to pay it if you pay off your card on time every month (which ideally should be the case since interest rates on most cards are ridiculous)
While the annual fee is what you pay on cards that offer (substantial) benefits on top of just the basics.
Frustrating as the gold card in USA allows you 4x spending etc UK its 1 to 1.5.
To be fair, Gold card in the UK does have a 2x multiplier on airlines and 3x on Amex Travel (+0.5 point/£ as earn as you go bonus)
Americans don't pay their bills, so pay way more interest. Companies can afford higher rewards with all this revenue.
Interest angle. But I suppose more credit card debt also represents higher risks for lenders of losing money when people don't pay.
You really should stop using a fisheye lens for your recordings lol
Hm, is it that visible? I don't use a separate lens but I do record at 0.5 zoom on my phone.
@@LoyaltyLlama It's the combination of the wide zoom and having the camera too close to your face. If you sat further back and didn't zoom out as much, it would make the videos look a bit better (in my opinion)
Until mexican Amex is better lol