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AMEX Platinum (Schwab) credit card introduced

Credit Card Review ymlulu 215次浏览 0个评论

AMEX Platinum (Schwab) credit card introduced

The card orientation:

  • Long term costs about $175 per year: suitable for persons in need of high-end benefits reliable aviation claims and Amex offer earn an annual fee; realisable MR points
  • Only a year, about $850 returns: $400 (aviation claims twice) +$100 (AMEX Offer) +$800 (open card rewards discount)-$450 (annual fee)

Schwab Platinum version introduction

1. application

2. The basic characteristics of

  • Opening bonus: 40k Membership Rewards, in March were 3k
  • Credit card saved MR: all 1X
  • MR points Exchange: can be 1:1.25 into the Schwab investment account; 1:1 for a number of air miles, hotel points, see guidelines for using MR
  • No foreign transaction fees
  • Each year to reimburse air fees $200
  • Annual fee is $450 (not first year annual fee)
  • Debit cards (Charge Card): there is no preset limits (theoretical limit is infinite)

3. Highlights

  • Schwab benefits: can be 1:1.25 transferred to its account of MR Schwab investment account for people who don’t need MR points is a very good cash means.$250k Schwab investment account cardholders can get $100 award each year, has $1000k $200 reward.
  • Card rewards high: open 40k Membership Rewards card can 1:1 to many airline mileage, used to exchange international flights each mileage value at about 1.6cent, so opening incentive discount value of about $640.
  • Membership Rewards:
  • Aviation claims: natural years reimbursement of airline fees $200, equivalent to the annual fee is $250.Can buy gift cards easy to get by MPX, see: AMEX airline reimbursement analysis
  • AMEX card benefits
    • AMEX offer:Amazon 20 to 20; Wal-Mart $15 5 per cent; pay the phone bill 75 minus 10.Generous Offer AMEX cardholders a bit, was cashed by you at the time of consumption.See also: AMEX OFFER detailed solutions and the AMEX best Offer summary
    • Free Shoprunner membership can enjoy many online shopping free shipping in two days to, see: website links
    • Extended warranty: using AMEX card to purchase things, manufacturers warranty is automatically extended for one year
    • Free report: some users can query a credit score for free, can receive one free credit report annually
  • Comes with a lot of high end welfare (welfare official website introduction)
    • The “new” Hilton Gold members can enjoy complimentary breakfast
    • Starwood (SPG) Gold member can upgrade for free rooms, enjoy high speed Internet
    • Premium Lounge (Centurion Lounges, Delta Sky Clubs, Airspace Lounges,Priority Pass)
    • Reimburse Global fee for Entry and TSA Pre
    • Fine comes with discount Hotel accommodation (introduction)
    • Boingo wireless network premium membership
    • Free magazines, InCircle members, car rental Avis, Hertz, National Car Rental Premium Member
    • After you add a second card (under card requires an additional fee), the above benefits under registered card holders can also (need to call)

4. Get the card to do a few things

This card comes with generous benefits, but different and common card, many benefits need to register themselves before the entry into force, a specifically listed here, please do not forget to register:

5. Disadvantages

  • This card as a charge card, need Bill completely paid off the money, or critical high interest rates
  • Annual fees seem very high $450, adding a second card require additional annual fee

My reviews:

The Schwab version of this card AMEX Platinum credit card, the biggest highlight is the ability to 1:1.25 to transfer MR points to an investment account to (and should be able to transfer to bank accounts), which is normally 1:1 Exchange AMEX gift cards to cash is better.In other respects, and this card as a normal version of Platinum, also through the annual aviation claims and using AMEX Offer to earn an annual fee.

For me personally, the existence of this card is just much longer to get a Platinum card reward opportunity.Although each card AMEX card reward could only come once in a lifetime, but various versions of the Platinum card rewards but would not affect each other, you can get.And you can hold several different versions of the Platinum.Therefore, you can turn off a version of Platinum before applying for this card, 40k card incentives and $200 claims twice, the equivalent of the first year annual fee only $50.

Reminded people who want to apply for, get the cards don’t spend too much money.This card belongs to the Charge Card AMEX special easy to trigger a Financial Review of the risk calculation, if only a few are likely to be turned off all of the AMEX card.See: barrier analysis of the AMEX credit card.

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AMEX Platinum (Schwab) credit card introduced
AMEX Platinum (Schwab) credit card introduced
AMEX Platinum (Schwab) credit card introduced
AMEX Platinum (Schwab) credit card introduced

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