Haven’t watched the video yet, but based on the thumbnail alone… I’m assuming you predicted the AMEX will add transfer partners of McDonald’s, Subway, Chick-fil-A, and panda express!😂

@jenniferw8963

7 ай бұрын

Close it's the 2 cent per hour statement credit! That's $175 in value!

@TheCreditFrog

7 ай бұрын

Haha! Very close, but I think they'll be some of the restaurant choices for their new dining statement credit!

@DugrozReports

7 ай бұрын

@@TheCreditFrog Ah yes. Semi-monthly credit. :) :) :)

@chrisv4920

7 ай бұрын

Let’s not forget about el Pollo Loco too

@TheCreditFrog

7 ай бұрын

@@chrisv4920 love that place!

Stan you are very influential. Every time I watch I’m ready to cancel my coupon cards!!! Great video!!!!

@TheCreditFrog

7 ай бұрын

Thanks Uncle Luke for this challenge! Definitely a fun video to make! You, my friend, are Amex's target customer with the type of spend you do so I wouldn't sweat it. But if the Gold gets a semi-monthly credit, I'm going to laugh at you 🤣

@LukesPointsandMiles

7 ай бұрын

@@TheCreditFrog if the fee goes up I may be gone. I already have the AAA 5% cash back card and two ink cash cards. I’ve been thinking about jumping to team Chase

Honestly I had contemplated making a video in response to Luke’s challenge but this quite honestly is the best prediction + what’s to come in 2024 that I wouldn’t be able to do it justice, you voiced a lot of my concerns as well. Honestly I would contemplate cancelling the gold at that price and platinum if it goes up again. Great Podcast Stan, always love these!

@TheCreditFrog

7 ай бұрын

Thanks Tony! You really should still make one! I think we all have our own predictions to make for 2024, and I'm interested in hearing your thoughts too! Maybe a Tesla statement credit?? As annual fees go up, it just makes that keep or cancel decision that much easier to do, hah! And yeah, when Luke issued the challenge, I contemplated doing either a standard video vs. podcast vs. live, but I ended up going with the podcast format, and I'm happy with how it turned out!

@mtnbob

7 ай бұрын

Pro move would be new Gold biz if spending allows. Quiet possibly better than the personal gold anyways and can be churned!

@AnthonyVenture

7 ай бұрын

@@mtnbob Good point! Hmmm.

@AnthonyVenture

7 ай бұрын

@@TheCreditFrog Thanks Stan, ok MAYBE hahaha. No I think this was perfect, just raw enough and you’re still a very good speaker so it’ll always work.

Great Review Stan ..Thank you.

@TheCreditFrog

7 ай бұрын

Of course. You’re welcome!

AMEX going to be coming out with the hourly food delivery credits. 10 cents each hour for a total of $2.40 a day with 24 deliveries.

@TheCreditFrog

7 ай бұрын

🤣🤣🤣 Hilarious! But still something that is possible!

Well done. Awesome video. Just got the Gold card. Not looking forward to rate increase, yet any statement credit changes would be critical for me when justifying the expense.

@TheCreditFrog

7 ай бұрын

Hey thanks! Congrats on the new Gold card! If the AF gets increased in 2024, at least you'll be grandfathered in for at least the first year. Also, hopefully you got a great welcome offer, which will also make the Gold card worth it in year 1, regardless of the statement credits!

I like your predictions, and I too feel like we will see an increase in the Gold AF coupled with a new type of credit, though I was thinking it would be possibly quarterly or annually, maybe something unrelated to food like streaming services. I figure the Platinum will probably get hiked as well.

@TheCreditFrog

7 ай бұрын

Thanks Andy! Yeah, I think you're prediction for the new Gold card statement credits are going to be more likely than mine. But if they follow the trend, we could be seeing some interesting variations of statement credits soon!

I think you maybe right about these Amex AF increases. I have both the Gold and Platinum so if they raise these cards it would be interested to see how they restructure the benefits that comes with them. It's something that I have to consider if that happens, hmmmm... Great vid Stan💥

@TheCreditFrog

7 ай бұрын

For sure, Mike! Lots of possibilities to consider here. We all expect annual fees to go up, but the question is how much, and what statement credits will be coming with them!

Great video Stan! I wouldn't mind seeing a refresh of the CSR as I'm planning to upgrade my CSP in July! My bold prediction is that both Capital One and Chase announce plans for 3 new lounges each, one of them (probably Chase) being in Ohare airport

@TheCreditFrog

7 ай бұрын

Thanks Jake! Oh man, whichever issuer secures a lounge slot at O'Hare is going to capture a lot of the luxury travel market! I know it's a United hub, so there's lots of United Clubs, but having a general lounge that is only accessible if you're a cardmember would be such a compelling way to drive people to get that card!

@JakeVanderPloeg

7 ай бұрын

@@TheCreditFrog Definitely a lot of untapped potential! (And selfishly I want one there because it’s my local airport😆)

Stan - if Amex keeps going doing this credit/spend/time control path they will alienate "some" of their target market. I actually find it annoying that on a $650 AF card (Brilliant) I have to remember to get $25 restaurant spend/mth on my hotel card. The value proposition was Platinum status & 85k FNC. Their strategy is borderline petty imo. I grow weary by the month. I hope #5 doesn't come true🤨 I am a bit surprise Citi Strata didn't make the prediction list (?). I await with intrigue😀👍🏾

@TheCreditFrog

7 ай бұрын

I agree Nkosi! Having to spend a $650 AF for a card that has this monthly $25 credit is kind of annoying lol. Luckily, for me and you, the benefits are still good enough to keep the card. And yeah, Amex statement credit burnout is so real!! I honestly don't think Citi knows what they're doing yet so it's hard to make a prediction about them tbh. It'd be nice if they confirmed something, but until then, the Citi Custom Cash is still one of the most solid 5X cards on the market so they have that going for them!

Great stuff as always Stan! Here’s my take on your bolder prediction: I feel like semi monthly credits would be too much for even Amex to manage let alone the consumer. People already get screwed by using the credit within the month then it posts too late. That’d be a customer service nightmare. Also trying to make sense of that in relation to a monthly billing cycle would get so confusing. But who knows with Amex and how the credits have been trending as you said. That was a fun one to listen to. Thank you for your great content as always!!!

@TheCreditFrog

7 ай бұрын

Of course! Glad you enjoyed the predictions! You're totally right about the customer service issue - I didn't even think about the logistics! And if the statement credits don't post in a timely manner, people will definitely be calling in non-stop! We'll have to see what happens, but that's the trend as I pointed out!! FWIW, I use the $20 office supply store credit on the Business Gold and that gets credited within 1 day. So not sure why the other food credits don't post as fast. I guess it will forever be a mystery. 🤷‍♂️ Appreciate the support AP!

@ap2290

7 ай бұрын

@@TheCreditFrog that’s good to know! I recently unwittingly stumbled upon the business gold 150k offer, applied and was approved. Wasn’t on my roadmap at all since I’ve been in pop up jail for like 6 months, but 150k points for an Amex biz ghost application I’ll gladly take 😂

@TheCreditFrog

7 ай бұрын

@@ap2290 Boom! Awesome man!! Congrats on the new card! Just between you and me, I have a video coming up on that specific topic scheduled for early January, so I know you're going to like that one ☺

Love all your videos! LOL @ semi-monthly credits.. this is something Amex would have no shame in doing lol. Next will be the daily 50 cent statement credit! $182.50 in VALUE!!

@TheCreditFrog

7 ай бұрын

Thanks Jennifer! Haha, it's funny, but hauntingly, definitely a real possibility given the direction Amex is headed with these statement credits. Oh man, a daily $0.50 credit! I hope it never comes to that!

My prediction is the Wells Fargo next card will be more like the Chase Sapphire Preferred for around $100 with more travel benefits and transfer partners.

@TheCreditFrog

7 ай бұрын

That would be great actually! Especially if WF had similar transfer partners to the CSP, Chase would have its work cut out for it to update it's product to be better as well. Competition is good for us consumers 👍!

@hockey1freak

Ай бұрын

You wont even have to apply for said card, WF will apply for you. =)

Totally agree with all your points Stan, all expected more or less (especially on Amex) but the most stop on prediction is on Wells Fargo. I used to think they’re dead but they keep surprising me so let’s see what they will end up doing!

@TheCreditFrog

7 ай бұрын

Haha! Yes, I never thought I would have high hopes for Wells Fargo, but yet here I am singing praises to them in 2024! In all honesty, I just want them to enter the travel market so there's more competition. If we have more options as consumers, the banks are forced to treat us better, or else, we'll jump ship to one of their competitors.

@KonstantinosPoints

7 ай бұрын

@@TheCreditFrog you’re absolutely correct brother!

I really hope that your prediction #2 comes true. It is my main card and I really like it, but their no annual fee cards sometimes surpass it in earnings!!!!

@TheCreditFrog

7 ай бұрын

That's great! CSR is still a solid card (even without a refresh), but it would be awesome if it got one! Of course, I hope the changes are positive for consumers, so we'll have to see!

A really interesting take on these predictions! I would love to see a new Wells Fargo mid tier travel card with strong multipliers, especially on miscellaneous spend. Amex adding semi annual credits could prove to be confusing with some months having 30 days and others 31 or 28. Could we see an online grocery subscription credit like Thrive Market 5 dollars a month included with increased annual fee?

@TheCreditFrog

7 ай бұрын

Thanks Joe! Yeah, it will be very interesting to see what Wells Fargo eventually comes up with. I hope Amex doesn't come up with semi-monthly credits because you're right, it would be very confusing depending on the month! I think you're on to something with an online grocery subscription credit. It would satisfy the "statement credit" reason to give an annual fee increase, but probably not include a lot of customers because not everyone does online groceries.

I think your first prediction of American Express raising annual fees on Cards in 2024 is almost a GUARANTEE given their track record haha, and like you said it's an expectation at this point. Completely agree with you on the Amex Gold & Hilton Business having their AFs raised, but dangg more restricted lounge access & a higher annual fee on the Platty too would suck. Talk about major 🤦🏽‍♂if American Express adds a semi-monthly credit 😂what are they going to do next, add a once every 3 days credit that expires if you don't use it haha. I don't really eat fast food except for Chick Fil A or Chipotle (if you count that) so I definitely wouldn't love that semi monthly food credit haha. Great predictions though Stan!

@TheCreditFrog

7 ай бұрын

Thanks so much Matt! Yeah, I think we all expect Amex to increase AFs next year for sure! I also think that we all expect the fee to go up on the Gold card and the Hilton Business given the current conditions! And hey, you could still benefit from the semi-monthly dining credit for Chick-Fil-A! Chipotle is a good pick, I forgot about that one, maybe that will be a choice instead 🤣

Love your thumbnails 😂😏🤨🙄🤔

@TheCreditFrog

7 ай бұрын

Thank you!

if Chase wants to refresh the CSR and increase the AF, i feel like there will also be an increase for the JPM Reserve and a major overhaul for the Sapphire credit card family, because if CSP AF doesn’t get increased there will be a huge gap between them in terms of AF, so imo there has to be a another Sapphire card fits in between

@TheCreditFrog

7 ай бұрын

That's a really great analysis! I never thought of it that way, but you're definitely right. There would be such a huge gap between the CSP and CSR that they'll either have to raise the AF on the CSP or have a new card to put in-between CSP and CSR. We'll just have to see what happens!

@newagain9964

7 ай бұрын

CSP would go up to. But I don’t see how chase can increase AF on CSR. Already at $600 and doesn’t provide great perks (travel/insurance benefits are best in market tho)

I suspect a CSR refresh will offer a few one time passes for United Club, since they are UA’s card provider.

@TheCreditFrog

7 ай бұрын

That would be such a great perk for the CSR! Definitely would make the card more enticing.

I love prediction 5! I think as a young AMEX consumer I do find myself going to McDonald’s, Subway, or chic fil a pretty often

@TheCreditFrog

7 ай бұрын

Haha, then you would definitely make new of those (possible) new credits then 😀!

Stan, I may be late with a comment but I agree that the AMEX gold card will most likely get refreshed and AF raised. They did it with the Business gold and that goes to 375 in feb. I expect that the Amex gold will go to at least 300 to 325 and some sort of 5 dollar or 10 dollar semi monthly that they give you to justify the af being raised. Amex is trying to wean out people that aren’t high net worth individuals or people who don’t use there cards for everything. Chase needs to refresh the CSR and the CSP to be honest. Happy 2024.

@TheCreditFrog

7 ай бұрын

Yeah, I think we're all on the same page with the Gold AF going up. The question is by how much and what statement credits will appear! It will be fun to see what they come up with. And I agree! CSR definitely needs a refresh and has got a recent resurgence with all the new changes with other issuers! Happy new year Jeremy!

I highly doubt a semi-monthly credit. It would just unnecessarily complicate things and just make a user confused. They would have to legally call out specific time frames (eg. day 1-15, 15-30). And would even complicate further for the month of February or 31 vs 30 days. Also, the theme with credits is that the cost is shared with partners. Amex is not going to foot the entire bill for the credit...mcdonald's, panda express, chick fil-a would all have to agree to share the cost and that's not going to happen.

@TheCreditFrog

7 ай бұрын

Functionally, I think you're right. I didn't think too much into the logistics, but that would certainly overburden their customer service because even these monthly credits take like 1-2 weeks to post (at least for me). Fortunately, they seem to post within a month, but I can imagine many people being ticked off if their semi-monthly credit from the previous two weeks didn't post when it was time to use the credit again. And yeah, not sure if those restaurants would even agree to Amex's terms - definitely another factor to consider.

My hunch is indeed grocery credit likely with Walmart+ or another company that can recoup the credit after getting you in the door. It’s unexpected and good in these inflated times. I think your analysis also makes sense but if they go that route I’m guessing it will be more premium. But both are plausible.

@TheCreditFrog

7 ай бұрын

Interesting! Yeah, I think the grocery credit would be too good since everyone could probably benefit from it. Or they'll do something like a grocery credit, but only at one grocery chain. There's always some fine print so it's harder to get value back. The scary thing is prediction #5 is meant to be joke, but based on where we're at right now, it's completely possible, and not out of the question!

McDonalds credit incoming!! I totally agree with you Stan, Amex will hone in their target market and make some changes in all their cars to reflect this. CSR refresh would be awesome

@TheCreditFrog

7 ай бұрын

Haha! Hey, people need to eat at fast food places too! We'll see what Amex does in 2024, and if they follow the trend or reverse course!

I look forward to the coming changes to the Amex Gold, we will probably hear of them later this year. Do current card members get a pass for a year on the new AF or does it kick in right away? Curious if any Amex Green, Business Green changes will be coming time will tell!

@TheCreditFrog

6 ай бұрын

Yes, I'm interested in what they will be as well! Every time Amex has made an annual fee increase to their cards, current members are usually notified when the new annual fee change will take place. So it depends. If you had just renewed the card before the change, then technically it's a "pass for a year", but if not, you'll probably get the higher AF at your next renewal period. I think the Green is probably going to stay the same, but the business Green definitely needs an update!

I think the new Autograph card with an annual fee from Wells Fargo could have transfer partners just like Chase Sapphire Preferred vs Chase Freedom Unlimited to the normal no-annual-fee version. That would be interesting if we see that vs the Bilt card also from Wells Fargo.

@TheCreditFrog

5 ай бұрын

Yeah, I think WF is gunning for Chase and it’ll be nice if they have similar partners! Bilt already has some overlap. They just need to announce them already!

Chick-fil-A credit to Amex gold. Where do I sign? But really I expect them to add an airline fee credit. It does have that 3x to airlines so it can be called a travel card but I’m expecting a $100 airline fee credit

@TheCreditFrog

7 ай бұрын

LOL! Chick-Fil-A is delicious for sure! I think the Gold card use to have an airline incidental credit in the past, but this was phased out, and replaced with the statement credits we have now. I think it was around 2020, when Amex pivoted to make their cards less travel-focused and more lifestyle focused.

Great predictions! I think you will get most right! I doubt Chase makes any big changes. Fun video Stan!🫵

@TheCreditFrog

7 ай бұрын

Thank you César! Yeah, I think we all have similar predictions for what's to come in 2024. I hope some of my predictions come true, and I hope some of them don't 🤣

You broke the rules!!! I’m protesting…even though I’m still first

@TheCreditFrog

7 ай бұрын

Rules? What rules? Just trying to keep your skills sharp here, CJ!

@ItsMeCJ

7 ай бұрын

@@TheCreditFrog the rules I’ve created 🤣

AF hikes + more annoying credits 🤬🤬🤬 Hopefully not! Thanks for the info + video!

@TheCreditFrog

7 ай бұрын

I agree Jimmy James!! You're welcome!! 👍

In a sense, Prediction 1 has already panned out. Technically, the Biz Gold’s annual fee will be increasing to $375 in February. Yes, I know that this fee increase was announced in October. But the fee increase didn’t take effect in 2023.

@TheCreditFrog

7 ай бұрын

So true Vincent! Never really thought of it that way but you're totally right. We'll have to see what happens to the other Amex card products though. I feel some more AF increases coming!

I agree on Amex increasing the AF on the gold personally am canceling my gold card if i dont get an offer or the AF waived charge will post on the 20th of December.

@TheCreditFrog

7 ай бұрын

At least you'll be able to be able to lock in the lower AF if you decide to keep the card, but if it doesn't suit your needs anymore, than you can move on to better things!

I think the semi monthly thing is a bit too good to be true. It sounds like an onion article. But I think the least likely one is Wells Fargo. My mind is casting back to the new Citi cards. Where are they? I expect the Amex Gold will get a refresh too

@TheCreditFrog

7 ай бұрын

Haha, yes, it definitely does! That prediction was a joke, but again, definitely not out of the question based on what Amex has done in the past. It would be wild if Wells Fargo backtracked on their transfer partner announcement! I do feel that they'll be true to their word and release their new cards and transfer partners, but it really is up to them to determine the quality of the cards/transfer partners we get, and subsequently, how we react to them!

Seems like it’s getting too complicated to have an AMEX card, you gotta set reminders just to get the benefit of these credits

@TheCreditFrog

7 ай бұрын

Sounds about right. Set those reminders!!

CSP needs a refresh... $50 hotel credit is good but not enough to compete with Bilt & the upcoming WF new cards

@TheCreditFrog

7 ай бұрын

Yeah, I agree. The CSP just got refreshed so that's why I think it's more likely the CSR will get one, but once the new WF cards come out, we'll have to see how Chase reacts because I think WF is coming for Chase's customer base!

Didnt prealize chase was getring that aggresive with lounges. PHX,LAS and SAN are my most visited airports, like 95% of my flights.

@TheCreditFrog

7 ай бұрын

Hmm, may be worthwhile to keep an eye out for when those lounges open. The CSR may be the next great pickup for you!

Fun video Stan! I am one of the minority in this but I don't mind monthly credits. My bottom line is, that any credit card that lets its users offset its annual fees or almost all of it (how hard and annoying it might be) I'm open to applying. So Gold can increase the fee to $1000, I will still keep them as long as I can justify it. CSR really needs a refresh. I hope they add a ton more usable credits. I've had it for almost 5 years so I'm going to downgrade mine and reapply in 2024. And who knows. Miserable WF might get a client out of me once the transfer partners are announced!!

@TheCreditFrog

7 ай бұрын

Hey Kevin! Thanks, man! That's great that you're ok with statement credits. I thought I was too, but then I got 3-4 cards all with statement credits of varying frequencies, and it just got a little overwhelming so I had to scale it back. And that's awesome that you're almost out of that 48-month window for the Sapphire cards. And yes, Wells Fargo is probably targeting the CSP/CSR user base, so it's on them to announce the right transfer partners that will challenge the UR points system!

@mranderson8725

6 ай бұрын

1k ?? No credit card is worth that much money

Really hope the gold card prediction doesn’t come true. If so, I’ll be jumping ship for the Savor One for grocery. Remembering two credits a month is annoying enough. Amex has really been leaning on their prestige lately because there are great alternatives in the market right now.

@TheCreditFrog

7 ай бұрын

Yeah, we'll have to see what happens! The Savor One is a great alternate card for food expenses. Like you mentioned, we have a lot of choices for credit cards these days so we're free to pick whichever issuer treats us right!

I am surprised you didn’t put the rumored for long citi high end travel card on the prediction list 😂

@TheCreditFrog

7 ай бұрын

Haha! I don’t think that ship is going anywhere

You missed the big show stopper! The new Chase Hyatt Premium card.

@TheCreditFrog

7 ай бұрын

Yes! That is another great prediction that I did not talk about!

That last one is rage bait and I’m here for it. Lol Would that finally drive you out of AmEx once and for all, if it was real?

@TheCreditFrog

7 ай бұрын

Haha! I just call it as I see it Vernon! I don't know if it would drive me completely out, but I would definitely not want a card with semi-monthly credits. More than likely I would either ignore the credit or cancel the card altogether. Each card is treated individually in my eyes.

Oh dear, i hope you are wrong on that last prediction Stan! 🙏🏼 I predict Amex will raise the Gold card to a $325 AF & add Walmart + or some kind of mthly digital credit. Or something like $5 off a monthly blue apron subscription

@TheCreditFrog

7 ай бұрын

Haha, me too Doc! It's satire, but it's kind of alarming when satire starts to blend with reality. I think your prediction is probably more realistic 🤣, but if they keep adding the same monthly credits to their cards, it's going to get old real quick!

@TheCreditFrog

7 ай бұрын

@@Shawn.credit Sounds like a plan Shawn! We'll see what the AF gets increased to; hopefully, nothing too crazy, and if they do what statement credits will come with it as well! Yes, over $300 AF is getting up there!

I wouldn't mind if amex platinum charge more and do some changes to benefits, specially that entertainment part and equinox. I am Hoping for more travel focus benefits.

@TheCreditFrog

6 ай бұрын

It depends on what benefits they add! Hopefully it can be helpful to a wide enough audience, but if not, then it just ends up being an annual fee increase without significant value add.

Platinum is already so expensive...they raise it and even with getting a lot of value out of it, I might have to cancel it. Definitely predict Hilton Biz to be revamped since all of the other Hilton cards were already.

@TheCreditFrog

7 ай бұрын

Yes, the Platinum really sets the bar for annual fees. We’ll have to see what the next iteration looks like! And yea, Biz Hilton update incoming soon!

My reactions: 1: YEP 2: PLEASE (and the CSP too….and make the Freedoms worth it to me) 3: -_- yes, but Wells is going to put me in the Looney Bin 4: This is where everyone wants it to be wrong (it won’t be, why I didn’t predict they’d signal a jump into Travel) 5: AmEx does this and I’ll never get a MR card…

@TheCreditFrog

7 ай бұрын

Haha! I thought of you when I was making prediction #4 since you and I both want transferrable US Bank points! As for Wells Fargo, I mean, they're being Wells Fargo. Hopefully, we'll find out soon what those transfer partners are!

@MattClausen

7 ай бұрын

@@TheCreditFrog indeed. I’ll be waiting. And try to get whatever out as soon as I can. I like these predictions…well, except number 5. But that just makes it more likely to happen.

The last prediction is pretty unlikely. McDonalds and Subway are run much too efficiently to subsidize an amex credit. Panda express is niche. They may go to semi monthly but it wont be those partners. Far more likely would be a streaming media credit to match its other cards (amex) to some B tier streaming media company that is willing to partially fund the credit as they are trying to build subscribers. Wells Fargo will likely only have transfer partners on the pay version of the card and may have other travel benefits but the same multipliers. Another prediction is by the end of next year WF will have a strong trifecta again (it has happened once before) as the pay version will allow point consolidation. Chase will indeed have more lounge access but otherwise will just continue to push its portal. Nice thing about this is we can just look back in a year and see whos (out of everyones) crystal ball is least foggy. 🙂Thanks again for the midgame level channel. Nice not to just have pure basics. Maybe go into the math of what income levels gift card churning would make sense with Ink cards or the like as no one ever wants to touch advanced topics. In other words quantify the opportunity cost of time beyond mild sustained churn.

@TheCreditFrog

7 ай бұрын

Thanks! Yeah, the last prediction was more of a joke, but hey, given the trajectory of Amex, would not be surprised if we see a semi-monthly credit. I think you're right that some low-level streaming service may be what could be offered as another statement credit, but we'll see! I'm hoping WF puts transfer partners on their NAF card (it sounded like they were going to do that), but until they do something, I guess it's still kind of in the air. I appreciate your support! Yeah, I try to target mid-game to advanced level strategies. Personally, while I'm familiar with those other "advanced" topics you mentioned, which can be very lucrative, I stick to more conventional methods to earn points and rewards.

When they release the new Autograph Card, I’m going to product change if possible

@TheCreditFrog

6 ай бұрын

Hopefully it’s something good!!

I'd pay a higher fee on the gold If it had a multiplier on hotels. It makes no sense to have hotel benefits with no hotel multipliers

@TheCreditFrog

7 ай бұрын

Interesting thought! I think Amex has a lot of great hotel card options (Marriott + Hilton), but having a general catch-all would be nice. That's what the Green card is for though so I'm not sure if they would eat their own market share to do this on the Gold.

The Amex Gold semi-monthly $5 McDonalds credit sounds like parody, but it’s sound parody! Makes me glad I closed mine.

@TheCreditFrog

7 ай бұрын

Yes, it was meant to be a parody for sure! But something still within the realm of possibility!

@TheCreditFrog

7 ай бұрын

@@Shawn.credit LOL. I thought about that, but after I posted the video. Not sure if Amex wants to encourage fast food on one card and Equinox on the other, although if they do, they've created an endless loop, enticing people to lose and gain weight continuously 🤣

Your prediction #5 is on target, but I'm guessing the Gold will be upgraded with Double Dining Tuesdays. (8x points)

@TheCreditFrog

7 ай бұрын

Double Dining Tuesdays sound awesome, and I hope we get that! Will it be at Milk Bar or at Goldbelly? 🤣

@ralphyoung8274

7 ай бұрын

@@TheCreditFrog You would prefer extra points rather than credits?

@TheCreditFrog

7 ай бұрын

@@ralphyoung8274 I personally would. But the point multiplier would have to be substantial like you mentioned. What comes to mind is Bilt's Rent Day, but this card has NAF so not sure how I would feel about this on an annual fee card like the Gold.

@ralphyoung8274

7 ай бұрын

@@TheCreditFrog What about 10x when booked through Resy?

@TheCreditFrog

7 ай бұрын

@@ralphyoung8274 a great welcome offer for the right person!

If they are raising annual fees on platinum and gold they better give us easier credits to use especially on platinum

@TheCreditFrog

7 ай бұрын

Oh that would be so great! I've never seen a monthly credit go to an annual credit - we can only hope!

@TheCreditFrog

7 ай бұрын

@@Shawn.credit I think they're trying out the lifestyle rewards/credits in addition to travel, but not sure if it's being done that well.

@skyllerkyller

7 ай бұрын

@@TheCreditFrog if they are raising both the cards fees im not sure i will stay around unless they raise the credits….when they increased business gold annual fees they did give some other benefits so i could see this happening. As far as the platinum with the competition they need to make it easier to use hotel credit and flight credit….make it to where we book through any of the cobranded sites of the hotels and get reimbursement. For the travel credit that should be similar to venture x that we can use on any flight related purchase not just for incidentals…i am highly considering going to venture x from my platinum. I mainly got the platinum for the sign up bonus i got the 150k plus $200 back. But if they are raising what already is a wild annual fee with no additional benefits that will be a hard sell on my end. The gold card at least has other multipliers that basically anyone can benefit from and the credits are decent.

@L-Man-Gaming

7 ай бұрын

You know you can just cancel the card right? You don't owe Amex anything lol.

@skyllerkyller

7 ай бұрын

@@L-Man-Gaming did you read what i said lol

If Amex goes a semi-monthly food credit I am cancelling. I can barely remember to use the current monthly credit, let alone a semi monthly. Plus I am not a big fast food person.

@TheCreditFrog

7 ай бұрын

Hah! Yeah, I hope they don't go to a semi-monthly credit! Monthly credits are not cool and hard to remembe sometimes, as you pointed out. That would be a little ridiculous, but based on their trajectory, that's where things are headed. Also, the fast food credits were also kind of a joke, but it would be kind of funny if they promoted fast food on the Gold and Equinox on the Platinum creating a repeating health statement credit cycle!

Amex gold should make new 5x multiplier for Panda Express

@TheCreditFrog

7 ай бұрын

Haha! That would be an interesting move. Valuable enough that it would draw attention, but specific enough that only Panda Express fans would be able to enjoy it!

If the gold card goes up in price I’m dropping it and will just use my savor one.

@TheCreditFrog

7 ай бұрын

That SavorOne is such a great alternate food card for no annual fee!

I think AMEX is going to come out with weekly credits in 2024!

@TheCreditFrog

7 ай бұрын

Oh boy! Weekly credits would really be something. Let’s hope not!

I can’t wait to close both my personal and biz accounts unless I get a really high retention and a bi weekly credit would seal the deal lol

@TheCreditFrog

7 ай бұрын

Yeah, I'm taking a similar approach with Amex Business Platinum/Gold cards. Will just cancel straight up after first year but may come back if the business Gold/Platinum has an outstanding welcome offer that's worth getting the card again! I don't think I'd even deal with a retention offer.

@WhatsThePoints1

7 ай бұрын

@@TheCreditFrogwhoops meant to specify gold but yeah big same on credit tracking-itis. Getting the admittedly generous retention offer on delta plat biz when I rarely fly them has been a bogus move plus that’s one more card to potentially extend my endless pop up jail on personal cards 🙄

I don't think Amex is going to limit the lounge access. Nearly every time I have gone, the # of individuals that paid to bring a guest has been nuts. Most think it's a good deal at $50. Even when Amex switched over the front desk attendants remarked to me how much more income was being made. I have not been to a centurion in the past 6 months that wasn't packed.

@TheCreditFrog

7 ай бұрын

Interesting insight! I always wondered if people ever paid for lounge access, but it sounds like it's more common than I expected. Yeah, I guess it comes down to limiting free access to lounges and making it more common for people to pay something when they're there. I think with Capital One and Chase building their own lounges, the hope is that the overall lounge situation will get better with more options, but only time will tell if that truly will work!

@mtnbob

7 ай бұрын

@@TheCreditFrog I agree! What's interesting is Sapphire targeting locations with Centurions. All these years would be nice to see more sapphire lounges but my guess is financially Chase doesn't need to compete with lounges against Amex. More lounges are always better though! Love the vids man.

have you been drinking ? stop feeding Amex crazy ideas ?

@TheCreditFrog

7 ай бұрын

No, of course not, haha! I guarantee you that Amex already thought of this. I'm sure they have a department devoted specifically for this type of research.

I would drop the Amex gold if that's the new credits.

@TheCreditFrog

7 ай бұрын

I wouldn’t blame you. I’m dropping the Amex Fold and it doesn’t even have those credits yet.

Amex raising Gold annual fee to 350-400$ is pure foolish! At that level they’re competing with Venture X which is in a whole different level. Even now with 250$ annual fee it’s a hard pill to swallow unless you constantly take uber and eat at shake shack

@TheCreditFrog

7 ай бұрын

Yeah, I hope it doesn't come to that! We'll have to see what happens!

CSR isn’t even “cheaper” than Platinum now.

@TheCreditFrog

7 ай бұрын

I think objectively it is: $550 vs. $695

@rene.s.s

7 ай бұрын

@@TheCreditFrog it’s all so subjective that someone’s own eAF calculation is the only way to judge cards and other people just have to accept that. You can’t even say they’re both metal. I’m sure someone feels the CSR isn’t metal enough lol

@nubianpwr

7 ай бұрын

In terms of "real" net value you're probably right

AMEX hourly credits, coming soon !!

@TheCreditFrog

7 ай бұрын

Haha! I sure hope not!

The Gold card needs cell phone protection

@TheCreditFrog

7 ай бұрын

I agree it does. Bilt and WF Autograph does this for NAF.

Stan has gone CRAZY but Amex don’t take any ideas into consideration.

@TheCreditFrog

7 ай бұрын

Haha! Prediction #5 was kind of a joke, but it's also well within the realm of possibility..

Amex better not drop the ball here with the gold card...

@TheCreditFrog

7 ай бұрын

We'll have to see what they do!

If they increase the Amex Gold annual fee I'm 100% cancelling lol

@TheCreditFrog

5 ай бұрын

Haha you and a lot of others!!

😊

@TheCreditFrog

7 ай бұрын

🐸

If the CSR gets a refresh hopefully the CSP does too!

@TheCreditFrog

7 ай бұрын

Yeah, I think both could use a refresh, but the CSR needs one for sure. The CSP at least got one relatively recently! 👍

@rene.s.s

7 ай бұрын

Maybe 2024 is the year of CSP, CFU double bonus, CFF/CF, and Ritz quadfecta setup.

I wish all these cards would give points on fast food already

@TheCreditFrog

5 ай бұрын

Fast food is included with restaurants for what that's worth! There's just no specific statement credit yet.

@PhillipDrumz

5 ай бұрын

@@TheCreditFrog thanks that’s great news! I wasn’t sure! Love your channel

2024: semi monthly credit 2025: weekly credit 2026: semi weekly credit 2027: daily credit 2028: semi daily credit 2040: hourly credit

@TheCreditFrog

7 ай бұрын

Facts.

Amex has betrayed America. Not liking where the game is headed at all. Every bank just looks bleak going forward. Team Cash Back is laughing at Team Travel.

@TheCreditFrog

7 ай бұрын

I think there are some banks like Wells Fargo that may be (surprisingly) better choices as compared to the traditional ones like Chase and Amex. We just have to remember that devaluations will always happen so we just have to make sure that if we're on Team Travel, we earn and burn!! Also, that's why I got the USB AR so I didn't have to think as hard about getting great value with my points since I have a set value redemption that doesn't change.

No... Amex will come up with $1 daily credits.

@TheCreditFrog

7 ай бұрын

LOL! That would be hilarious!!

I was hoping that you were going to predict that Chase was going to do away with 5/24 because it’s a bad thing. Please don’t block me, I was only kidding, I enjoy your videos. #5/24IsBad

@TheCreditFrog

7 ай бұрын

🤣🤣🤣. Keith, you know that Chase 5/24 is not going away!! As much as we all would like it too. If it didn't keep you in check, you would have 47 Ink cards in a 12 month period.

First

@TheCreditFrog

7 ай бұрын

Congratrs Ahmad! You are FIRST today!! 🏆🥇

Your prediction number 4 is too wide open for interpretation. Technically, you will always be right if one said nothing new is interesting 😅

@TheCreditFrog

7 ай бұрын

Yeah, I can see that! But I can also get it completely wrong. If US Bank does literally anything, then that prediction will be incorrect. High risk, high reward!

@jinWhuang

7 ай бұрын

@@TheCreditFrog but I honestly think the Altitude Reserve is very powerful, I gardened for about a year and finally was approved last April. The 1 point = 1.5 cents on their travel portal (or real time redeem for travel) is more powerful than CSR. $75 effective annual fee, except the limited lounge access, it offers most benefits that other visa infinites offers.

I love the Amex Gold card. therefore, Amex will do something to f*&^ it up.

@TheCreditFrog

5 ай бұрын

I know. Typical, right? They do a pretty good job with raising annual fees so that's something.

Shiet 😵‍💫

@TheCreditFrog

7 ай бұрын

🐸🐸🐸

@ToboeKey309

7 ай бұрын

@TheCreditFrog higher annual fee will not be good lol 😆 damn it amex but good video bruv i respect u 🫡

Good video Stan. I hope Amex doesn't see all these prediction videos of annual fee increases though 🫠

@TheCreditFrog

7 ай бұрын

Thanks Sledge! Hah! You and me both! But we all know AF increases are coming with Amex. It is inevitable.

Good stuff Stan. I like your predictions and I'm hoping they do revamp the Reserve card. I can also see the Gold card going up to $395, just below that $400 price point.

@TheCreditFrog

7 ай бұрын

Thanks John! That CSR definitely needs a refresh! I think we're all holding our breaths to see what statement credits are going to be on the Amex Gold card if they raise the annual fee!

@John_Cannon

7 ай бұрын

@@TheCreditFrog let’s hope it not a priority pass. Lol

@newagain9964

7 ай бұрын

@@John_Cannon raise gold AF to $395. Make 2pts on ALL groceries. And Add 2 pts everything). Would make it an actually attractive card.-I still wouldn’t get it. But eventually prob would..certainly if I could get a SUB