I wouldn't consider SPG worth paying 2.625 for (you can buy on the gray market for cheaper). However, the bonus is something worth grabbing if you've never gotten it before. SPG's future is uncertain, with the Marriott merger being implemented.http://www.doctorofcredit.com/american-express-starwoods-preferred-guest-spg-35000-point-offer-personal-business-highest-ever/
This is a hot deal, but I have Platinum Honors with BoA Travel Rewards. Are the SPG points that much better than 2.625 points for every dollar spent?
We can all refer, please keep it in Conga.I guess they're trying to make hay before the Marriott takeover. Or maybe this means SPG lives on as a separate program for a while longer? I can refer for both, if anyone needs it. Just drop me a PM.
Waited 1 week last time between cancellation and sign up, but data points indicated 3-4 days would be just fine. You have plenty of time.Ok, I have a question or two?
I have never had the SPG personal but currently have the SPG business.
I'm at my 4 card limit so I'm looking to cancel the SPG business to get the SPG personal.
I have never cancelled an Amex card before so how long does it take to get to the point my 4 card limt goes away?
The 35K offer runs out the end of the month, is that enough time?
If you don't have SPG Platinum status, the SPG Biz card is a great card to have if you're going to be staying at Starwood properties. It saved me hundreds of dollars before I reached Platinum status in free breakfasts/club access.I have never had the SPG personal but currently have the SPG business.
I'm at my 4 card limit so I'm looking to cancel the SPG business to get the SPG personal.
HUCA. During last years increase in points I had applied for the card several months prior and was still able to get 5k courtesy.Applied in February. Could not get any courtesy points
Thank you, that's the news I was hoping to hear.Waited 1 week last time between cancellation and sign up, but data points indicated 3-4 days would be just fine. You have plenty of time.
Totally agree, that's the main reason I got the business over the personal.If you don't have SPG Platinum status, the SPG Biz card is a great card to have if you're going to be staying at Starwood properties. It saved me hundreds of dollars before I reached Platinum status in free breakfasts/club access.
We moved it within Level 2 because every now and then a MS technique comes out that involves a referral fee and everyone's mind explodes when they KNOW they could get a $5 referral fee from a Conga signup, but they really don't want other people to know about the gig, and it all spirals downwards from there.Please view the conga(which I can't seem to find on this forum? but I am aware it exists)
The 4 card limit is all *credit* cards across personal and business.Someone correct me if I'm wrong. But my understanding was that the four card limit was for personal only, and that biz cards were not subject to that limit.
Amex is one of the companies that does NOT report biz cards on your personal credit report.
Nope, all good. Just wanted to clean it up since some people were also talking about it in perhaps not the right spot.Thank you for putting it in the right spot : ) It isn't my intention to make more work for you...but it seems to be how it is turning out.
Called again today. No direct contact with manager (but was put on hold for 5 minutes) and got 10k courtesy points.HUCA. During last years increase in points I had applied for the card several months prior and was still able to get 5k courtesy.
So, does that mean there's no harm trying a business card application? It may be futile, but if there is no hard pull, I can figure out how to lose an existing card afterwards.The 4 card limit is all *credit* cards across personal and business.
Charge cards (like the Premier Rewards Gold and Platinum cards, personal or business) aren't included in that count.
If you apply for a 5th credit card they'll auto deny it without a hard pull.
Nice. That's like the entire bonus of a Hilton card.Just received 10k courtesy points on my personal account opened in November.
There typically isn't any "grilling" with Amex like there is with Chase. They're more concerned about your ability to pay.It's a good idea to have an actual business. There may be a quiz.
That's been my experience. And businesses are easy to start ... at least in your head. As it is, I have an old business that sputters to life every now and again. However, in this case my wife is starting a new business. It's something she's done in the past "on the side" but never thought of it as a business. But it was. So I'm having her think about doing it again .There typically isn't any "grilling" with Amex like there is with Chase. They're more concerned about your ability to pay.
Agreed. But man, if Chase would issue an Ink card for every business I've started in my head, I'd be swimming in UR!That's been my experience. And businesses are easy to start ... at least in your head. As it is, I have an old business that sputters to life every now and again. However, in this case my wife is starting a new business. It's something she's done in the past "on the side" but never thought of it as a business. But it was. So I'm having her think about doing it again .
But @MickiSue is right, it's best if there is a business that makes sense, even if just in your head. We've got that covered.
My wife has 4 active AMEX credit cards. I toyed around with canceling her Hilton card and waiting, but I wasn't sure I wanted to do this without a little thinking. But she has no business cards, and we've been "thinking" she needs to hedge her full-time job with some side work.If you apply for a 5th credit card they'll auto deny it without a hard pull.
I checked the list a couple of times. It's somewhat confusing, because the list shows cards of mine where she's an AU all mixed in, but I counted 4: Everyday Preferred, Blue Cash Preferred, Hilton HHonors and SPG personal.Are you sure all of her cards are *credit* cards? No Premier Rewards Gold (a charge card) for example?
I got an SPG card in January for 25k points and have been loading it with Serve until it was shut down on Friday. I am thinking of contacting SPG and asking them to match the 35k bonus.I called AmEx customer service to have them match the 35k points offer. Didn't expect much since my app was back in December for 25k miles.
Surprisingly, they offered me 3k SPG point as a courtesy. I pushed back and asked for the 10k difference, they said no. I asked for 5k instead, and they said yes.