Which Amex Charge Card is Right for You? 2019/2020 Update

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After the Amex green update and also the Amex Centurion Update we feel it is time for an update to our Which Amex Charge Card is Right for You video. We will be looking at Amex Green, Amex Gold, Amex Platinum and the Amex Centurion also known as the Amex Black card or if you are Kanye "African American Express".
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  • Great video! Just got accepted for the Gold

    Dima ClarkeDima Clarke7 أيام قبل
  • Nice work..I've viewed this AR-too channel several times to keen in on the advise. During that time, it came to my mind how come you didn't mention the Amex blue everyday cash card? Please update and advise. Thanks

    derricksecurityderricksecurity2 أشهر قبل
  • I get depressed every time I see a black card I worked at McDonald's in a wealthy neighborhood and we would get those a lot every time I saw one it made me realize how shity my life was and that I'd be better off just jumping off a bridge

    Brett DuffyBrett Duffy2 أشهر قبل
    • Jesus Christ

      M YM Y2 أشهر قبل
  • even if I want to have any of those amex card, it's useless since all those benefits are not available in the philippines. how much is the interest of each amex card on unpaid balance?

    mico mariñasmico mariñas3 أشهر قبل
  • Credit Cards are the heroin of the financial world!

    Roy_ThousandRoy_Thousand4 أشهر قبل
  • The green card might be the easiest way to be a resident! Omg 😲 thank you

    DilanDilan4 أشهر قبل
    • Yep, Just $150 a year and you are in!

      The Credit ShifuThe Credit Shifu4 أشهر قبل
  • Looks like the gold card is right for me. I don't even travel that much

    Delores EmeagiDelores Emeagi5 أشهر قبل
  • Are these benefits available outside the US, given that most of the benefits are pretty much in the US? Could I get these benefits in Africa, India, China or Europe?

    Simpiwe BalfourSimpiwe Balfour5 أشهر قبل
  • Can you buy a Car with Charge Card so get the ponits.

    Scrappy ChildHoodScrappy ChildHood5 أشهر قبل
    • No. Dealerships don't allow that. You can charge your extended warranty if you opt for that.

      JazzJazz4 أشهر قبل
  • I hope Amex never changes the Platinum's card design, I like the old classic design better.

    Jesus ReyesJesus Reyes7 أشهر قبل
    • I called and asked if i can get the plastic one they said no shot

      random garbagemanrandom garbageman7 أشهر قبل
  • I just got an invitation to the Platinum card. I think I will see if the Green card can be extended to me instead. Seems to be more up my aisle. I am not a world traveler and don't use credit cards much anymore, eventhough I have 7 of them, ranging from tier 1 through 3, but just don't like annual fees. My new OllO card by invitation and my Citi Simplicity are my go to cards. Love them. The Green card would be more like my totally most used debit card and Bluebird.

    AverageJoeAverageJoe7 أشهر قبل
  • Just an FYI, the hotel credit can be used more than once so if it is used it can add more value.

    Daniel LopezDaniel Lopez8 أشهر قبل
  • Thanks for the video !

    Fana ChezzFana Chezz8 أشهر قبل
  • Your info on the away credit is wrong. Jan 15th, is the last day you can sign up to get the credit. Whenever you decide to sign up, you have three months to use that credit from your sign up date.

    DJ Gains BondDJ Gains Bond9 أشهر قبل

    De ViceCrimsinDe ViceCrimsin9 أشهر قبل
  • The Gold+Plat is a popular combo, but one thing I don't like about it is the very narrow definition of "travel". Pretty much just restaurants, hotels (and only prepaid hotels at that), and airfare. Compare that to the Propel or especially the BofA Premium Rewards, where things like cruises, train and bus tickets, tolls, amusement park and museum tickets, and many more count for the travel category, whereas they'd be 1x MR items at Amex.

    Head LibrarianHead Librarian9 أشهر قبل
    • That’s where the new revamped green comes in ;)

      The Credit ShifuThe Credit Shifu9 أشهر قبل
  • I have Green I just got, Rose Gold and Platinum. I'm luckily or maybe "unlucky" that I'm in the military depending on how you look at it that I don't have to pay any annual fee for any card so I use them both for different reasons to maximize points. I use Platinum for all travel and booking plus the use of the Priority pass when I travel internationally and for the 5x points ect. I use the Gold for the groceries and the restaurants because my wife and I love eating at all sorts of restaurants and I can also use the Gold for buying gift cards at the grocery store for larger purchases like Home Depot and best buy ect when I make a large purchase so I can multiply the points earnings. Then I just signed up for the green card since holiday shopping is pretty much now and I essentially spend the 2k in about 2 days to earn the bonus 30k points. I also have a chase sapphire reserve card that has a pretty nice limit which I used occasionally and large large purchases I plan on paying off in like 2-3 months. I def don't spend anywhere near the amount to fall into the centurion realm but I don't have any kids yet either so who knows maybe one day when I put them through school or whatever I can just pay everything with it and one day be invited. EDIT: I also signed up for it because I wanted a new carry on luggage and used the 100$ AWAY statement credit to get a nice new carry on luggage piece so not to shabby. OH super edit: If ANYONE knows how to essentially pay their mortgage with an AMEX card that will greatly increase my monthly and annual spend, Even I can pay with my CHASE card I wouldn't mind it so I can get the points. Will come in handy when I purchase another house and have rental income I can essentially be paying both mortgages a month.

    Joshua PhillipsJoshua Phillips9 أشهر قبل
    • Have you tried Plastiq?

      orange vs appleorange vs apple9 أشهر قبل
  • Is the Clear credit a per calendar year credit, or every 12 months based on your anniversary date? If anniversary date, I’m wondering what would happen if you charged Clear on day 366, then canceled the card before the due of that cycle, in order to avoid the new annual fee.

    John PerkinsJohn Perkins10 أشهر قبل
  • Another point which you missed is that if you have the Amex Plat, you could get the Gold card without any fees. In that case, you could use both of them with maxing out the benefits of MRs. $550 for Plat and Gold.

    Manuj BhatiaManuj Bhatia10 أشهر قبل
    • Manuj Bhatia How can you get the Gold free by having the Plat?

      John PerkinsJohn Perkins10 أشهر قبل
  • $6k on supermarkets for a family?! Haha! I wish!! I’m a family of four, $15k to $16k per year on supermarket

    Luis MelendrezLuis Melendrez10 أشهر قبل
  • I actually received kind of a nice decked out invitation to upgrade my gold card to platinum. If I move to a city where I can take advantage of the Uber credit, I'd totally do it. But not in my little one horse town.

    Kevin FransenKevin Fransen10 أشهر قبل
    • Kevin Fransen in case this is an alternative in your area, the Uber credit works with Uber Eats. I’ve been using the pick up option on Uber Eats to use my credit. Hope this may be helpful.

      John PerkinsJohn Perkins10 أشهر قبل
  • Best charge card ever the Zync/white one totally exclusive rewards limited at 1% but only $35 a year and NPSL

    James DickensJames Dickens10 أشهر قبل
  • Any knowledge of holding an Amex corporate card and in effect it lowering your annual fee for a personal card?

    Jeremiah CrowleyJeremiah Crowley10 أشهر قبل
  • You put $350+ per year annual spend on the Centurion black card... I wish it was that low!

    Commando MasterCommando Master10 أشهر قبل
  • No more Cheesecake Factory for the dining credit?

    • KNIGHT SHYFT Cheesecake Factory is still on the list of restaurants that you will get the dining credit for. I used it right at the end of the year. He might’ve just forgotten to mention it.

      Daniel LopezDaniel Lopez8 أشهر قبل
  • Platinum versions I Disappearing fast Ameritrade amx platinum is now discontinued and are rumors that Morgan Stanley platinum is going to be discontinued. They are going the way of the Mercedes Benz platinum. Sad to see the different flavors of amx platinum start to disappear. I wonder if they are ramping up a new product or just trying to condense it to one platinum. For sure interested on the amx thought process.

    TopnotchTopnotch10 أشهر قبل
  • This green card is now a credit card I believe not a charge card. New terms and conditions says nothing about being a charge card or paying your balance in full every month. We need confirmation on this as it’s a game changer for those of us at the 4 credit card limit cap for amx

    TopnotchTopnotch10 أشهر قبل
  • Great explanation! Thank you!

    Hans ObermannHans Obermann10 أشهر قبل
  • there is no more account minimum for schwab

    Maxime MobayenMaxime Mobayen10 أشهر قبل

    Peter SampsonPeter Sampson10 أشهر قبل
  • I just finished meeting my Capital One Venture spending requirement. Looking for my next card to attack. Should i get the AMEX Gold, Green, or Silver? Or another Chase card? Decisions...

    Budget BillBudget Bill10 أشهر قبل
    • Amex gold is a good workhorse if you buy a lot of groceries or go out to eat...

      ha&fha&f8 أشهر قبل
    • Budget Bill definitely chase if you are in this for the long run. 5/24 rule

      josiah meneghinijosiah meneghini10 أشهر قبل
  • 99% of people don’t travel as much or don’t need to travel as much and these cards are just a trick to get you spend more and giving you the “illusion of being fancy or classy or whatever “. The whole thing is an illusion.

    A LightA Light10 أشهر قبل
    • Oh geez .... who gives a shit if someone else gets the card to be classy .... mind your own business and get something that suits you ...😒

      A BA B7 أشهر قبل
    • A Light yeah we will try and do some more cash back videos in the near future

      The Credit ShifuThe Credit Shifu10 أشهر قبل
    • The Credit Shifu: You are absolutely right! but I’ve seen many people just getting those cards just to be “classy” or whatever which make no sense and that’s what I mean by illusion. Your show is awesome by the way keep going 👍🌟

      A LightA Light10 أشهر قبل
    • Well then you should get a cash back card. These cards are for people who travel

      The Credit ShifuThe Credit Shifu10 أشهر قبل
  • Millionaires that take economy class? I call that CHEAP .

    E-double Da GI banditE-double Da GI bandit10 أشهر قبل
    • @L.A. Rivas, Esq. That's an excellent way to STAY a millionaire

      Kevin FransenKevin Fransen10 أشهر قبل
    • Shon C. That’s an excellent way to become a millionaire!

      L.A. Rivas, Esq.L.A. Rivas, Esq.10 أشهر قبل
    • its all about cash flow and life styles. some millionaires earn a lot, also spend a lot. others earn decently but save a lot more. if they justify saving thousands on economy class that gets them to the same destination in a same timely manner as exactly same as business class does only with less comfort, and invest the opportunity cost to something else that earns them money, let them be.

      Shon C.Shon C.10 أشهر قبل
    • Eddy Perez ahaha or they rather spend their money on their mansion and shit

      PatrickPatrick10 أشهر قبل
  • The biggest change to the green card is that it's NOT A CHARGE CARD. It's a credit card. The video is a bit misleading, as the green card isn't truly in the same product line anymore. Correct me if I'm wrong, but AMEX will not allow a product change between a charge card product and a credit product - this eliminates the downgrade path for Plat/Gold Cardmembers which is a very important thing to point out if true. An update with information about this would be awesome.

    a doga dog10 أشهر قبل
    • I agree I don’t think this is a charge card which is a game changer for amx

      TopnotchTopnotch10 أشهر قبل
    • a dog he said in a comment on this video that while it does allow over a month or so it isn’t meant to be a credit card, just a “ just in case ” feature

      Angel RamirezAngel Ramirez10 أشهر قبل
  • Gold Amex & Amazon Prime signature rewards card are a great combo for most people. Using the Gold Amex for the majority of the purchases for points and getting that nice 5% back from Prime.

    MadDogsBluesMadDogsBlues10 أشهر قبل
    • I would agree. If you just went with 2 cards this would be a good combo.

      Seth AllenSeth Allen10 أشهر قبل
  • Great update, thanks!

    Sam RSam R10 أشهر قبل
  • BPP over Green, the annual fee isn’t worth it but I will get it for 45k points signup!

    Jeremiah CrowleyJeremiah Crowley10 أشهر قبل
  • Currently taking an Loss now since they killed the gift card trick.

    drew lodrew lo10 أشهر قبل
    • drew lo The credit now ls blehhhh

      Billy in 4CBilly in 4C10 أشهر قبل
  • Did you see the rumor today on an "in between" platinum and centurion AMEX is coming out with?

    Jon CJon C10 أشهر قبل
    • The Credit Shifu I need a credit card this my 3rd time of been scam. How do I contact you?

      Linda waleLinda wale6 أيام قبل
    • I no

      Rafia AsifRafia Asifأشهر قبل
    • Check the latest video

      The Credit ShifuThe Credit Shifu10 أشهر قبل
  • I just signed up for the Amex Platinum and received the 100k bonus offer! After a year or so, I'll drop down to the Gold card.

    Jaramie BlackJaramie Black10 أشهر قبل
    • Why would you downgrade? I love my Platinum card as I mainly fly Delta so the lounge access is huge and the Coneriege is really awesome as well as the FHR. Plus TSA/GE credit ever 4 years lol. Why not pair it with the Green card for the 3x on travel and food plus the CLEAR credit?

      Josh StoloffJosh Stoloff10 أشهر قبل
    • this was a good idea as they have the once in a lifetime bonus opportunity. its better to take the larger bonus (lessons I learned the hard way lol)

      Seth AllenSeth Allen10 أشهر قبل