Dominic

Correct

AJ

My understanding is if you CANNOT pay with Amex, then you’re covered. It’s only if you CAN, but DON’T.

AJ

It’d be hard for Amex not to be losing money if they were giving out 2MR points per £1 spent, even when you look at how much it costs to have the Platinum in your pocket, especially if you’re putting through 5 figure sums on a monthly basis

Navara

I think we’ve been waiting for literally years for a new HH credit card, the only people who’re sorted are those who’ve got the legacy Barclaycard, although that stops them from accessing the Avios credit cards offered by Barclaycard…
Unless you’re able to be become an additional cardholder an someone else’s account, not an option for everyone though

Personally I’m cancelling it, not getting enough use out of the lounges to justify the rest of the benefits

Mikeact

Why? If you’re not using it then you’re preventing yourself from having various AMEX signup bonuses. There’s no ongoing benefit apart from keeping a MR balance active

Ironside

No, because the Gold from Plat give you just Gold, no night credits.

Julia

Guilty as charged. I was between Hilton cards and due to it being withdrawn, I am still between Hilton cards years later.

AJ

You get 1.5 MR per £1 on Amex Gold, up to £25k of annual spend, factoring in the spend bonuses.

I guess it makes sense if you really value the membership rewards and the hotel status but I think the Priority pass thing is a gimmick as wouldn’t you be flying business anyway and paying more to get credit back is like a 1980s endowment policy. Equally, I find more hotels these days have inclusive breakfast so the value of status breakfast is lower than before. Lounge access can be nice I do admit without having to buy a club room.

No luggage insurance if you don’t pay by Amex but sometimes you cannot pay by Amex so then you’re uninsured. Sheer lunacy IMHO and a stand alone policy or on your home insurance or with a bank account is equally good.

Now if it earned at 1.5 MR per £1 that would be a game changer but equally, if you can put £10k a month onto your card, then you can get 2 MR per £1 on the business platinum card.

No Longer Entitled

Likewise – I’m prepared to give up 0.5 Avios per £1 to have the flexibility of MR points over Avios. It’s also useful sometimes to move spending from BAPP to Platinum to defer the timing of earning the 241 voucher if I have an unused one in my account already.

Null

Oh yes. The reason is that there is usually a ‘fact box’ in this article which includes it but the fact box gets screwed up on the emails, so I replaced it with written text on the APR. Have swapped the boxes back in now the emails are out. Thanks.

Navara

No. The deal they announced for existing cardholders (giving you status for 2024) implies that nothing is happening in a hurry, if ever.

jj

We’re in the same position with the Marriott card. Just as we decided it had no further use we received a £75 rebate offer which paid the subscription fee. The other thing to keep in mind is you don’t know when these cards will be withdrawn. I know a lot of people were very upset when the Hilton Barclaycard was closed
over night.

Stian

Instead of XXX, use XXX depends very much on what you are working towards. If Avios, both the premium Barclaycard and BA Amex offer 1.5 Avios per £1 so you are 50% better off than the Platinum. But, if keeping the Platinum, does the extra 0.5 Avios per £1 make up for having an additional card and paying an additional fee? It depends upon how much you spend, your need for Avios, and if the Platinum is even worth keeping.

Personally, I think the Platinum has benefit because MR points are applicable to a number of schemes and there is considerable merit in that. But if all you want are Avios, there are cheaper cards with a better earning rates available. Check the credit card page in the HfP header/drop down.

Stian

I’ll be interested to know too of other cards which has better earning rates as my travel expenses have gone up and everything is going through Amex Plat at the moment

Tony

Neither does Amex Plat. However its arguably a moot point because very few people aged 70+ would not have any of the pre-existing conditions which exclude you.

I no longer live in the UK, but have kept the Marriott card for the aforementioned nights – massive pull in continuing the path to Lifetime Plat

Stian

Likewise, I used to spend the BA and Marriott cards, but now I only spend on the Platinum if the merchant supports Amex, otherwise either Barclaycard Avios or the free Virgin Atlantic card.

Still keeping the Amex Marriott and the free British Airways cards, and I put 2x Amazon Subscription items on those two cards to keep them active.

Offer numbers have fallen of a cliff recently, so cancellation happens today.