https://www.doctorofcredit.com/amer...accepting-new-applications-45000-point-bonus/
Hmm, I got this to pull up for me using Chrome incognito. I just finished both MSRs for DH and my Biz Green so it's time for a new AmEx. I've been waiting for an elevated offer, but not sure if this qualifies. I would have to get to for DH and it would put him at 4/24, with one falling off in March. I would use my BBP link for 10k MR. So 57K, including base spend for 2K MSR and $150 AF. The credits mean nothing to me. I should add at this point I don't have a specific use in mind for my MRs, so I'm not sure if it's worth it to spend $150 on an annual fee. My other option for AmEx would be the personal Gold, but I'd rather have it in my name and I'd like to wait for an elevated offer for that. Any AmEx experts want to weigh in?
@Lain? Think this is worth it?
When the Amex Green introductory offer with the Away credit ended last month, I tried seeing what the incognito offer was on the Green and kept pulling 45k MR/$2k MSR/3 months pretty easily. It no longer has the Away credit, and we've not yet used the CLEAR or LoungeBuddy credits on DW's Green, so yeah those credits mean nothing if you don't plan to use them. I think 45k MR/$2k MSR/3 months is the default incognito offer on the Green going forward.
On the one hand, it's 45k MR for only $2k MSR is a pretty good deal. With a support click, you say you'd net another 10k MR. What other Amex MR cards do you have from which you can support? Assuming your BBP is your highest supporting card, like you said that's net 57k MR. DH gets 45k MR SUB + 2k+ MR from MSR spend (keep in mind the Green earns 3x MR at restaurants and on travel); you get a 10k MR support bonus. Remember you can't combine MR between spouses' accounts, but there are ways to still get one spouse's MR to the other spouse's frequent flyer and hotel loyalty accounts.
You still come out ahead on the AF at least in the first, but I'd hate for you to have to pay a $150 AF on a card with credits you won't use. The Green earns 3x MR on (most) dining and travel, which is the same earning structure as the CSR. If you or P2 have a CSR, will you be shifting dining and travel spend over to the Green? If so, can you justify paying a $450/$550 AF on the CSR if you're not spending on it and just holding it for 1.5x redemptions, travel insurance, and the travel and DoorDash credits? And if not, then will the Green become a sockdrawer card that might cause P2 to get the pop up. Relatedly, is the Green a card that P2 will cancel after a year, and thus risk the pop up, because paying another year's $150 AF then becomes a losing proposition if you're not using the CLEAR and LoungeBuddy credits?
The Amex Gold is not as duplicative with other Chase cards. It earns 4x MR on (most) dining, which I value more than the CSR's 3x UR, and 4x MR (up to $25k spend/year) at supermarkets. Amex has a few other cards with a supermarket bonus, but Chase does not outside of random CF 5x UR quarterly bonus categories. If you buy GC/VGC/MCGC with your groceries, that 4x MR category can be quite lucrative. I also find the credits on the Gold are moreso things you'd actually be spending money on anyway (thus, actually offset the $250 AF), which include $10/month towards delivery or pickup on GrubHub, or pick up a meal or a $10 GC every month at Cheesecake Factory, Shack Shack, Ruth's Chris, etc; and a $100/calendar year airline fee credit.
It appears that with the release of the Green, Amex increased the MSR on the Gold to $4k. It's still fairly easy to pull an incognito offer on the Gold for 50k MR/$4k MSR/3 months using a support link. I believe this is the best offer you can get on the Gold right now.
Hope this helps! Let me know if you need to bounce anything else off me.
