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@JoeGiz64

11 ай бұрын

Great review Sebby! I’ve been an Amex holder since 1986 and Platinum holder with 1 authorized for half that. I’m good for $150k-$200K spend a year. Never called for a retention offer. If I call do you think they would waive the yearly fee? If not, Id be looking to switch to another credit card.

@Anthonyjones-pq4ff

11 ай бұрын

Thx sebby got it 👍🏾 apply got approved

Equinox is utterly useless for the vast majority of the country, so the $300 credit is uselsss. Makes AmEx seem like they only care about NYC and Cali.

@jimjimhuerta

11 ай бұрын

Even me in Cali, it’s useless

@adamwang6715

11 ай бұрын

I actually like it for the yearly use of Equinox+ for yoga classes on the app. I value it at about $60 though, not really $300

@GuantanamoGG

10 ай бұрын

@@jimjimhuerta exactly, only beneficial if you live in sf or la

Losing audible is a big L for me. That was a big source of value for me from the platinum

@cilantroia

11 ай бұрын

Same here. Really disappointed

@joyoflife1832

11 ай бұрын

When does audible stop?

@Thedoctorjosh

11 ай бұрын

@@joyoflife1832 October 1st

@azalex91

11 ай бұрын

Big value for me as well since I’ve been using it for years 😢

@DanFormsma

11 ай бұрын

Yup. Same here.

✈️ Seeing Amex continue to nerf themselves is really making me look at them in a different light. It just goes to show that no bank is really your friend and you don't wanna be married to just one in particular. Obviously these changes (mostly) suck on their own, but this is just yet another round of negative changes from Amex this year, and it's feeling more like par for the course at this point in my opinion.

Losing Audible is a big hit for me because I use that was where I got the most value for the digital entertainment credit. Long term I was looking at the Schwab version of the Platinum but without the bonus does it make sense?

Updated comparison of the Amex plat, CSR and VX would be dope. Starting to look like the Wild West in this credit card game…. 💳

I think the CSR & VX will definitely benefit from this change

@shirusun9062

11 ай бұрын

I am definitely considering CSR the moment I finished this video.....

@BuiltNutritionFitness

11 ай бұрын

@@shirusun9062that’s what I just got. Even though everyone on KZread is calling it dated, it’s perfect for my situation. Sometimes we can be caught up in the hype and completely overlooking what’s best for YOU

Trading Audible for the WSJ is a Big L. Audible is the way.

@andrewilliams3265

11 ай бұрын

I agree 100%. I have spoken.

I’ve never experienced overcrowding but I also rarely fly in the middle of the day. If you’re comfortable with red eye flights or flying earlier than 9am, the lounges will always have seating.

@primitivestudio1

11 ай бұрын

I fly during day. I just used Denver Centurian Lounge 2 weeks ago. I travel a lot and use Centurian lounge at least once or twice a months. Most frequent include SFO, Denver, Houston, and Las Vegas.I never seen long lines except when lounge opens for day. I never had issue finding empty seat or table, though lounges can be full. I never had issue using showers. Side note SFO I have used a lot and it is about 3 times size and lots of room.

Let’s just say the AU charges is forcing me to look at Chase Sapphire Reserve after 20 years with the Platinum. Will see the retention offer, but not expecting much.

I just realized AmEx has been doing offers with Scribd which is an Audible competitor. I would LOVE if they covered that with the digital entertainment credit instead.

I think a lot of people will cancel it specifically small families, that don’t use the lounge as much, yet keep the card for 1 or 2 trips per year, and now will get more value from chase,

Losing Audible sucks so badly. Ugh! The lounge situation doesn't bother me. I live in Los Angeles and I travel to NJ a lot. You can get into the lounge at LAX if you're flying internationally. And NJ doesn't have one. The only time I've been a Centurion Lounge was in Houston & Vegas. I tend to go into Delta more.

✈️ good stuff man! 3 videos this week! Keep them coming 👍🏽

Canadas annual fee was raised to $799 recently so stands a chance that would happen here maybe even more. They have def ruffled some feathers with the $195 AU fee but I don’t think it’s that big of a deal.

✈️ the worst part is not being able to get a SUB for the other platinums. I was just thinking of applying for the CS a week ago. Now it may be too late 🤷🏽‍♂️. But second worst for me is the removing of Audible, as that was a 100% credit for me. Since we already paid for it prior. the AU part doesn’t affect us as P2 has the biz Plat. So we both can get into centurion lounges. And IF it helps make them less crowded I’m for it. I’m just not sure it will.

@SolidLiquidFox

11 ай бұрын

Most people that hesitated to apply to the other versions because of prioritizing 5/24 or just getting in late in the game just lost possibly 200,000 MR. Moral of the story is that rules will get tighter and the game will get harder. Eat while the food is hot.

@TravelBossNas

11 ай бұрын

@@SolidLiquidFox true I try to apply once every 6 between myself and P2. I was just a few days late on this.

🛫 I’ve been waiting for your video since the changes were revealed! I’ve been considering AU cards for my wife and daughter, who are planning a few trips in the next year, but not any more. If this results in smaller crowds at SkyClubs and Centurion lounges, then I’m all for it.

Increasing AF or charging more for AU is fine with me - my MS plat should catch all that. If they limit lounge access though… that could consider me to dump them.

✈️ I love the perks that the cards offer and my husband is an AU on mine- for now the $20 increase in the AU fee is not that big of a deal but I’m hoping that they don’t increase the AF for the Amex plat too much in the near future

I finally canceled mine this year. I don't live in a city with equinox and the lounges were crowded and not worth it to me. I kept my Chase Sapphire Reserve though. Or at least for now.

Thanks for compiling all the pro/cons!

Definitely upset about the loss of audible.

✈️ The authorized user fees are going to hurt me big time. I have the Morgan Stanley platinum where I was getting 4 AU cards for $175 total. I got them for my family for the lounge access but I likely won’t be able to afford them all next year.

@williams242ful

11 ай бұрын

I have 5 AU good lord I definitely have to see if they can afford it because it was a no brained before and only using it for lounge and tsa but now it might be cheaper to pay for entry

@Mike11219USA

11 ай бұрын

That’s good. More lounge space for the rest of us.

@Romanticalone

11 ай бұрын

@@Mike11219USA Wow…sorry the comfort of my aging parents is cramping your style. Sheesh.

would be great if amex added Apple One Premiere to the entertainment credit. It has Apple News+ which already gives me access to WSJ and NYT. Or any tier of Apple’s entertainment offerings even a la carte (Music, TV+, Fitness+, etc.). I do hope the Centurion lounges get less crowded with their changes (though still a better option than the super packed Priority Pass lounges) since I don’t always fly Delta to use the sky lounge which is amazing at LAX.

Im all for it…no reason I should be paying full price for the card and cant get into the lounge because of a bunch of AU cardholders

Great info keep it coming question does this effect you bringing in 1 guess for 50 dollars🛫

Not sure if its just Canadian Amex users, but we got a letter indicating a change in points for restaurant purchases. Its gone down from 3 points per dollar, to 2 points per dollar.

The one bonus per lifetime change certainly sucks. I have devalued MR heavily because of it and will probably be leaving the Amex ecosystem long-term after I do one last transfer to ANA. Sucks because I was planning on using that MR towards the Maldives.

Thank you! Exactly what I’m looking for! Except I am located at NY, but I can apply the same strategy 😊

Hey Sebby, on the fence about canceling Delta plat. I have the regular amex plat, what would be your view?

Sebby what’s your 5 amex CCs, and what about your p2 or Mandy’s amex CCs? With the intro bonus spend requirement increasing I can see it as a way to justify elevated offers more often, what do you think? ✈️

✈ The AU fees and losing audible is gonna hurt. I was questioning things after the last AF increase. I don't think I can justify the plat anymore.

When are the changes being put into effect?

Just to clarify, does the new intro bonus limit apply to the MS Card as well? It sounds like what you were reading was for the vanilla plat card, but if we have that and want to open a MS plat card, would the same rules apply?

@ThatRedEvo

11 ай бұрын

Now it’s one platinum card intro bonus per lifetime, meaning you can no longer get an into bonus for every platinum card variant, it’s one and done, if you have a vanilla and want to open a MS or CS platinum, you will not qualify for a welcome bonus

✈️ sebby, I work for an airline. Would you recommend getting the platinum? I was thinking about getting a Delta Amex or a Hotel Amex because I have discounted travel. Oh and no I don’t work for Delta.

Did you say they’re changing the amount of authorized users? I heard the increase to $195 and a mention of authorized users, but didn’t hear the details on the amount of authorized users. Right now it’s three, is it decreasing?

Glad I cancelled my platinum after the first year. It's too much of a pain in the butt.

Do you think they will ever add a centurion lounge to either Chicago airports?

How soon does the one Platinum rule kick in? Is there time to get in on the welcome offers or has the change been instituted already?

How often does the Hilton honors aspire card have a nice sign up bonus?

I would like to know how to get the Morgan Stanley platinum card ✈️

I primarily use this card for lounge access and based on my travel patterns the Citi AA Exec card is looking much more beneficial right now...

✈️ Loved the summary!

✈️ it's been a while Sebby... Glad to hear your insights for these changes! Thanks again

✈️Sebby, I’d love to learn more about how to get approved for the Morgan Stanley card. I have a family of 5. My wife was an AU on the card for years and I only recently became aware that I could add two more AU for the same fee I was paying for her initial AU card. I’m bummed that I now have to pay significantly more for this.

When dues changes start?

✈Thank you Sebby! Do you know if the WSJ credit includes Barrons?

Can you have one AU and move others to complimentary cards? Or just one or other way?

If Amex is going to penalize cardholders with families then they should take it a step further and penalize single cardholders too by disallowing guests 18 and older. Restrict lounge access to cardholders only and only allow them to pay for guests not old enough for a credit card (12 and under).

FYI. Lark creek priority pass restaurant at SFO does not work with the AMEX priority pass. Only the Chase CSR Priority pass. Another change AMEX made that suck is removing restaurants from their priority passes.

✈️ I’m kinda excited about the WSJ addition but have the majority of my credit going towards SXM and Disney +….. do you have another card just for streaming? Possible cash back?

Last times I was at lounges, there were lines, and it was crowded, especially in Dubai for some reason. I travel solo, so for me the AU changes are not important but I wish we could have kept Audible.

I just feel like my 2% unlimited cashback on everything with no annual fee is better? Maybe that's just me.

Great video again Sebby✈️

its interesting that at the same time the US card gets these changes the Canadian card just got a brand new bonus $200 annual dining credit

Sebby can I apply for a Hotel card Hilton surpass & Charles Schwab Platinum Card at once or No??

🛫 i’m actually kind of frustrated after hearing about loosing audible. As of Oct 2nd I’ve use the service prior to that it’s been kind of nice having the service paid for through the AMEX platinum card.

Hi Sebby !! My sights were on getting the Delta Amex Platinum & willing to pay for limited lounge Access. Are they truly removing this perk from the card ? I don't see the Delta Reserve card as a better option given it's poor multiples. What do you think ? Thanks, Jonatan M.

@michaelmikhail2854

11 ай бұрын

Yes I heard rumors that they will remove this option. Both Amex and Delta will do other actions necessary to lower the crowd in the lounges.

✈️✈️ So, the intro bonus rule is effective since now? Or do I still have chance to get the vanilla version just for the bonus? I have the Schwab version ✈️✈️

@AskSebby

11 ай бұрын

Yes, the intro bonus rule is effective now. Worth a shot to see if you get a pop up or not.

audible was a HUGE perk for me. bummed about that!

Is there a card with 5% cashback/points on dining and 0 annual fee?

✈✈✈Oof. The AU fee increase is going to be a tough one. For me at least. Will have to re-evaluate when the AF comes up.

the amex plat variants were things I planned to get years down the line once I collected the sub from other cards. sad it's no longer an option.

✈ with an authorized used, does the primary and the player 2 get uber credits and Saks credits? Or is this only if the primary hasn't used these benefits?

@AskSebby

10 ай бұрын

Only if primary hasn't used the benefits.

✈️ excellent video and analysis Being blind, yes, I “watch” YT to listen to topics. Would love to see any content on travel, travel industry that has services to those with disabilities.

Canceling next year for sure unless I get a retention offer. Amex has just become too much a hassel to make sure i get my maximum value. This year I have been to the airport a good 8 times and haven't been able to acess the Centourioun lounge due to the ridiculously long lines. It's just become obsolete at this point.

Diving around TX sirius xm us necessary for remote areas ❤.

✈️ The AU fee kinda sucks. Will keep one AU for my P2 but had gifted other AU to my sister and P2's dad who travels A LOT. Kinda bummed I have to tell them it's being taken away, but hopeful they'll be able to keep it until my cardmember anniversary in March. My P2 also works for 9E, a subsidiary of DL and they did away with DL lounge access when non-reving a few years ago. That sucks. But I have had luck getting into our local Escape Lounge when non-reving. That's a win, and probably why we will keep the card with a single AU.

audible was the best use of that credit and a 100% win... losing audible means that credit is less usable

Ive been subscribed to the NY times fir 13 months and NEVER received a copy... They keep telling me its on the way, but no dice...

Please make a video on how to get the Morgan Stanley card, i think people would find that helpful.

@AskSebby: Audible vs WSJ is no contest! Audible has much more value. This one change is the worst because there are many, many folks who have been using audible religiously!

🛩 I will keep the MS card for now. I recall a while back you mentioned the good bonus would not last forever. Glad I was able to get in while the getting was good.

Can the $200 incidental credit be used on lounge access? At 50 per guest that would be 4 guests annually

Amex gives out less sign up bonuses and charges higher fees. Just more glutton for punishment for Platinum card users in addition to the highest annual fee of $695 and the tiresome huddles they need to jump in order to recoup any of it. Not to mention the highest interchange fee of almost six percent to retailers. Greed has no bound. Don’t know why Amex cardholders put up with this year after year when they could get the Capital One Venture X and make $5 every year.

@SolidLiquidFox

11 ай бұрын

That sweet, sweet Amex marketing?

@JJ_Zodiac

11 ай бұрын

I believe the 6% was back in the day. It’s been decreased over time since then and barely slightly above Visa and MC. Hence why a lot more merchants have started accepting Amex.

✈️ glad you saw mine and other tweets i feel this is for churners and lounge access pretty simple

I wonder if the Td Ameritrade merge into Schwab played into the timing as it’s next month.

Note that the WSJ is included in Apple News+. Not sure if it’s the same content as subscribing directly at WSJ though.

Obvious question: I have almost 400,000 Amex points/ may I contact you to help me plan a really nice trip? I feel like on my own I’ll mess it up with transfer partners etc? Nice video by the way. And yep the lounges are always crowded to the point where I skip it when traveling, so it’s not a benefit. Also, guess I’m old and can’t find the Airplane imogee 😢

✈️ great video- thanks!

Definitely interested in the process to get the Morgan Stanley as most information out there is more about how to get the annual fee refunded

@raymondwzeng

11 ай бұрын

The TLDR as far as I remember is that you need a combination of a certain amount of cash in the account (25k?) AND maintain a certain amount of direct deposits coming in (5k or so per month) to qualify. Could be wrong - its been a while.

@jonathanfowler9966

11 ай бұрын

Google "Morgan Stanley Platinum CashPlus"

@Kiwikify

11 ай бұрын

@@raymondwzeng Those are the requirements to waive the annual fee. I am more interested in just getting the card for a free AU and paying the $695 AF.

I wonder if they will allow product changing to all of the different flavors of platinum

@AskSebby

11 ай бұрын

No, they don't allow that.

our Amex Platinum card in Canada just got worst, but I'm still keeping it......

There needs to be a Tonal or Peloton credit. I would bet the majority of home equipment digital users are Prime Amex customers.

There is no way they could raise the annual fee right now unless they revamp the card. With the even further (rumored) changes to lounge access as well as the very-soon-to-be lack of value for Clear, the card is already priced too high for what it offers.

This is Ridiculous. instead of expanding the lounges to accommodate more guests they instead penalize cardholders. NY, LA, TX lounges are a complete mess. Not a good look AMEX.

I recently flew out of JFK and had a layover in DFW. I have a plat but my gf doesn’t. I know the JFK centurion lounge can get really busy and our flight was at 4 so I didn’t think it was worth it ecspicially being in t4 and I needed to be t8 with no clear. Get to DFW. What we did was I went up to the centurion lounge see what seating is like. Got there around 7 and it was pretty calm and got calmer till close and just paid the 50 for guest.

Please make a video on how to get the MS platinum

✈️ I wasn’t interested in those other cards. I also use the Sirius XM. I am ok with the the changes.

Have u heard about Amex and delta skyclub limits coming?

✈ my audible, I really loved that benefit. The other changes dont affect me because I don't have a player 2.

✈️ I just put my 3 college kids on in June. They are studying abroad and will be traveling. I wanted lounge access for them as they don’t have airline status. Any other suggestions for cards? Am Ex after 40 years a card holder seems to be pushing customers away, even at the 90k spend a year.

i know your not old enough to have every version of that card but damn thats alot of versions of that card lol that was cool to see xD

I'm up for renewal on my now weak Amex Plat. I'm thinking about canceling it and just use my Gold to get points. Apart from lounges that are being limited, I feel that I'm paying more on the fee for less benefits. What are your thoughts oh wise Sebby?

Would love a video on switching to morgan stanley

Do you think Amex is pushing to have this be more of a exclusive card instead a card for everyone?

Can anyone confirm that starting next year, AMEX Platinum card holders will only be allowed to access the Delta Lounge 6 times per year?

✈️ horrible news for me. No p2 but 3 friends and family for lounge. Not really worth 3x195 but hate to cut them off. Could you list what are the perks that additional cardholders get now? Does the 195 give anything much besides lounge? I should have already gotten the cs. My mistake. Also regret not taking the recent Marriott offer; I hope the new Marriott Vegas initiative works out. My delusion is that this is all just laying the groundwork for an amazing $1500-2000 optio card launch. Lol nfw. no longer even hearing rumors 😢

When I got the French Platinum they promised 400 Euros restaurant credit (200 in France and 200 elsewhere in the world). A month later they dropped 200 off of that advantage with no warning and no replacements. Not cool.

I’m willing to pay more to ensure a less crowded lounge and lower wait time for food and drinks. I’m just say’n.