Travel Related

Cards I’ll Move Some Spending to Next Month When the Amex Platinum Credits Expire

Google+ Pinterest LinkedIn Tumblr
Rene’s Points For Better Travel, a division of Chatterbox Entertainment, Inc. has partnered with CardRatings for our coverage of credit card products. Rene’s Points For Better Travel and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. As an Amazon Associate I earn from qualifying purchases.


American Express gave its Platinum (both consumer/personal and business) card members some generous statements in May to help folks deal with the stay-at-home world.

Those credits expire at the end of December— and Amex hasn’t indicated they’ll extend those benefits. (There’s still time to use them this month.)

So with that in mind, I’ve started changing the preferred billing methods on my cell phone, streaming provider, and shipping accounts.

Here’s what I’m doing for each category.

Cell Phone Bill

Both The Platinum Card from American Express and Business Platinum Card from American Express  (as well as the American Express Green Card) gave members a monthly $20 statement credit when using their card to pay a US cell phone provider bill.

Because I have both Platinum cards, I split the payments this way:

For the first several months, I used my Delta SkyMiles Reserve Business American Express Card to help chip away at the $30,000 spend requirement so I could score the MQM bonus.

But once my wife was approved for the no-annual-fee Chase Ink Cash card in October, we immediately paid our cell phone bill balance with that instead. Why? It earns 5X Ultimate Rewards points on the first $25,000 spent in combined purchases each account anniversary year on phone, internet, and cable services, and at office supply stores.

We’ll pay our cell phone bill in full with the Chase Ink Cash. The option of using Ultimate Rewards points for travel or statement credit — especially on 5X earnings — is quite appealing.

Chase Ink Cash Credit Card
Learn how to apply for the Chase Ink Business Cash Credit Card

Our Delta Reserve cards won’t get quite the workout in 2021 that they did in years past. We don’t plan to go crazy on MQM through credit card spread, because we don’t yet know if Delta will roll over all MQM to 2022 (like they did this year). We’re shooting for one MQM Status Boost per Reserve card (his and hers).

Other good options for cell phone bills include the Chase Ink Preferred (3X) or one of many 2X cards (such as the Blue Business Cash or Blue Business Plus from American Express).

(©iStock.com/simpson33 )

Streaming Providers

The Platinum Card from American Express gave members a monthly $20 statement credit when paying for select US streaming providers. I paid Netflix and Apple Music with my Amex Platinum Card. After the credit kicked in, I was out of pocket about $3 a month between those two streamers. Nice!

My Hulu-Disney+-ESPN+ bundle and new HBO Max went on our Blue Cash Preferred from American Express. That card awards 6% cashback on select US streaming providers.

We’ll simply shift Netflix and all our Apple subscriptions to the Blue Cash Preferred. And when Major League Baseball starts back up (whenever that happens), I’ll charge my MLB.TV subscription to the Blue Cash Preferred.

The American Express Blue Cash Preferred Card
Learn more about The American Express Blue Cash Preferred Card

If you don’t have the Blue Cash Preferred card (and you really should!) the US Bank Cash+ (5X on select categories) and Wells Fargo Propel Amex (3X on streaming) are solid options for streaming purchases.

Shipping Purchases

The Business Platinum Card from American Express afforded cardholders up to $20 in monthly statement credits when used with some US shipping providers.

I used the credits to mail prizes to our SWAG Saturday winners. I also let my father-in-law’s small business use it a few times. And I confirmed that it works for mailbox renewals at The UPS Store. My wife had to ship gifts to nieces and nephews, so we used it for those purchases, too.

Shipping boxes are seen on a doorstep.
(©iStock.com/cybrain)

But to be honest, I do very little shipping and mailing. (At least, not enough to merit getting a credit solely for those charges.) So I’m fine using my Delta SkyMiles Reserve Business American Express Card for those purchases until I hit the $30,000 Status Boost spend. I’ll reevaluate after that.

Delta Reserve Business Card from American Express.
Learn how to apply for the Delta SkyMiles Reserve Business American Express Card

Other good options for the shipping include American Express Business Gold Card (4X on select purchases, limits apply), the Chase Ink Preferred (3X — see, there’s that Ink Preferred card again!), or a 2X cards such as the Blue Business Cash or Blue Business Plus from American Express (those are just two of many).

Final Approach

I certainly appreciated the statement credits that Amex gave some of its cardholders. Many people weren’t able to use the airline incidental credits, so these sort of made up for that. (In the case of the consumer/personal Platinum card, it more than made up for it, IMHO).

It may be time to start dropping some of the high-ticket cards if they don’t pay for themselves. So I’m glad I have several good options for earning Ultimate Rewards and cash back. Those are definitely the best options for me going into 2021. What about you?

 

Rene’s Points For Better Travel, a division of Chatterbox Entertainment, Inc. has partnered with CardRatings for our coverage of credit card products. Rene’s Points For Better Travel and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. As an Amazon Associate I earn from qualifying purchases.


Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

2 Comments

  1. First and foremost, thanks for the great work you are doing. Will Amex allow you to use the $200 airline credit towards a Delta GC? Im assuming no. What about buying a ticket and then cancelling it and asking for a “delta credit” vs a gc or full refund?
    Thanks again

Write A Comment

BoardingArea