Credit Score: 777 Credit Limit: 10000 Age: 35-44

Income On Application: $130000

Posted 06/06 2018

I fly business for my company and collect Membership Reward points. I was carrying and using the Premier Rewards Gold for a while. You get 3X for airline tickets and 2X on restaurants, gas and supermarkets. It is a nice blend between travel and everyday spending. However, since the Everyday Preferred came out, I have got and and now use it most of the time (to get to the 30 transactions a month threshold). Except for airline tickets and restaurants, everything now goes on the Everyday Preferred. With supermarket spending, you get 4.5X, 3X on gas and 1.5X on everything else. After 9 months, I exceed the $6k limit for supermarket spending and that is when I go on to use the Premier Rewards Gold. I end up paying $280 in annual fee but with the $100 airline credit on the PRG, it is really a net AF of $190, which I think is reasonable considering that I can earn a lot more points.

 

Credit Score: 764 Credit Limit: 15000 Age: 25-34

Income On Application: $170000

Posted 06/06 2018

My main card is the Amex Platinum and I use it because I travel a lot for work and the 5X that you earn from buying airline tickets a lot. You also get a lot of perks with this card that justifies the fee for me. However, you only earn 1X on everything else and there is no extra points earned for everyday spending. I got the Everyday Preferred to earn the everyday category points. 4.5X on supermarket, 3X on gas and 1.5X on everything else. I earn a lot points with this card and the annual fee is definitely worth it.

 

Credit Score: 806 Credit Limit: 20000 Age: 25-34

Posted 06/06 2018

Before I got this card, I tested the waters with the Amex Everyday (no annual fee version). I found out that I was hitting the 20 transactions a month pretty easily just from normal spending without doing any thing deliberate to increase the number of times I charge the card. In fact, on most months, I was hitting 30 or more. Then it dawned on me to consider the "preferred version". After running through the math, I found that the preferred version works out better for me. So I applied for it and was approved. I also got the bonus after meeting the spend requirements.

 

Credit Score: 757 Credit Limit: 13000 Age: 35-44

Posted 06/06 2018

I got an offer for a 30k bonus with $2k spend. I decided to take it and got approved. After using this card for over a year, I decided that this one is for keeps. After doing the math, it is clear that for me, I would earn more MR points. The way I meet the 30 transactions per month requirement is simply to use the card every morning for my cafe latte!!

 

Credit Score: 686 Credit Limit: 8000 Age: 25-34

Posted 04/05 2018

After having this card for over 8 months, I decided that this is the only AF card that I will keep. I will probably hit the grocery max at 11 months so that is not too bad. But I really like earning gas at 3X. The most understated benefit of this card is if you can earn 1.5X on non-category spending. This really adds up. Since I like using MR points for air travel, this card is the best among the among of other Amex MR cards to earn MR (for my spending pattern - yours may differ).

 

Credit Score: 714 Credit Limit: 9000 Age: 35-44

Posted 04/05 2018

I got this card in early 2015 and here are some stats (approximate) for the first year:

Gas - $4800 = 14400
Supermarket = $6000 = 27,000
Others = $15,000 = 22,500
Bonus = 15,000
Total = 78,900

The second year stats were roughly the same but without the sign up bonus. So I earned 63,900 points on 25,800 in spending, which is more than 2X on average and covers the annual fee. I easily meet the 30 transactions per month requirements. The downside of this card is that restaurant or dining as a category spend. I've read that many others carry other cards like CSP or PRG to capture that spending. But I believe in focusing on only one rewards and for me that is MR. I simply do not believe in diluting by spreading out too thin. The EDP has been the best card for my spending. It might not be for you and this is something you have to figure out yourself.

 

Credit Score: 750 Credit Limit: 12000 Age: 25-34

Posted 04/05 2018

This is my first Amex card. I actually went to pre-approval page and was "pre-approved" for the Premier Rewards Gold, Amex Everyday Preferred and the Amex Platinum. After looking at the features, I think this is the card that would suit me best. You could consider me a suburban guy and gas and groceries is a bog part of the budget along with our mortgage.

 

Credit Score: 764 Credit Limit: 12000 Age: 45-54

Posted 04/05 2018

So glad Amex launched this card. I have had the green amex for years because I wanted to earn MR points but was not willing to pay for the higher AF charge cards like gold or platinum. The EDP has the same annual fee as the amex green and yet you can earn 3X at supermarkets, 2X on gas. And you can get 50% bonus points if you have 30 transactions a month. I have since canceled my amex green.

 

Credit Score: 734 Credit Limit: 13000 Age: 25-34

Income On Application: $110000

Posted 04/04 2018

Prior to getting card, I had the Amex Premier Gold, which was mainly used to earn MR points. However, I have since downgraded my card to the Everyday Preferred. I save $100 on the annual fee ($195 to $95) and still earn MR points.

I hit the cap on groceries after about 9 1/2 months. So I ended up getting the Chase Freedom to "top up" since they do have 5% categories on groceries and gas. Since I put all of my expenses on the card, I never had any problems hitting the 30 transactions a month threshold and I have no problems getting the 50% bonus.

For those of you who do not have an amex, all I can say is that customer service is top notch and their website and app are great as well.

 

Credit Score: 767 Credit Limit: 15000 Age: 25-34

Income On Application: $150000

Posted 04/04 2018

I used to have lots of annual fee cards like Amex Plat, Hyatt, Ritz. Platinum Delta Skymiles and a couple of others. I have since canceled all but only kept the Amex Plat, Chase Sapphire Preferred and this card. The Amex Plat I use to book airline tickets and I would use the Everyday Preferred for every things else. I will earn more MR points with the grocery and gas spending alone. Plus, I do use the card more than 30 times a month so hitting the 50% bonus is no problem.

I think that for me, the Amex Plat and EDP combo allows me to earn the most MR points.

 

Credit Score: 690 Credit Limit: 6000 Age: 25-34

Posted 04/04 2018

I got the card because I wanted to earn MR points and see how it works for me. I considered Amex charge cards. All had annual fee. The closest comparison was the green card in that it also had a $95 annual fee. But with the green card, you only earn 1X. With this card, you earn 3X for groceries (up to $6000 a year) and 2X for gas and also get 50% bonus points if you have 30 transactions or more. That means for non-gas and grocery purchases, you can get 1.5X.

The card has worked out well for me although I sometimes struggle to reach 30 transactions a month. So I am trying to maybe go the the supermarket more (it's an after work thing) and buy less each time. However, I kind of hate to change my habits just to earn more points. I may actually consider downgrading to the no annual fee version.

 

Credit Score: 804 Credit Limit: 15000 Age: 25-34

Income On Application: $150000

Posted 04/04 2018

The Amex EDP is one of the most under-rated cards around. It does not seem to get much mentions among bloggers. All everyone seems to talk about is the Chase Sapphire Reserve!! For $95 annual fee, you could potentially earn 4.5X on groceries and 3X on gas if you have 30 transactions a month on the card. I hit my $6000 grocery limit after 10 months. I use my Chase Freedom to cover the rest because they normally have one quarter where you get 5X for groceries. In fact, Chase Freedom normally has also another quarter where they give 5X for gas. Between these two cards, groceries and gas spending is covered as far as maximizing points/cash back goes.

 

Credit Score: 734 Credit Limit: 10000 Age: 35-44

Posted 04/04 2018

This is indeed one of the most underrated cards that hardly anyone talks about. The annual fee pays for itself. I do max out the groceries at $6000. Have three cars in the family and spend $6000 on a year. I also spend about $10000 on non-gas-grocery stuff. And I also meet the 30 transaction per month requirement easily. So that works out to 60000 MR points on just $22,000 a year of spending a year.

This card works out perfectly for me because I want to earn MR points and being a family guy, grocery and gas spending is what matters to me. We do not eat out a lot so dining is not that important. I do not travel so getting the Amex Platinum does not make sense.