Showing posts with label american express. Show all posts
Showing posts with label american express. Show all posts

[DEAD] Improved Offer for AMEX Platinum Credit Card - 25,000 Points, $450 Fee Waived

Unfortunately this deal is no longer available. The best offer for teh Ameriprise Amex Platinum Card is a waived annual fee for the first year with no bonus points.
Last week I wrote about the available offers for the The American Express Platinum Card. The current publicly available offer gives 40,000 membership rewards points, but does not waive the $450 annual fee. At the time there was an offer for Ameriprise customers, but reports show that anyone can get the deal that waives the $450 fee, but does not come with any membership rewards points.

Now the Ameriprise offer has improved and now gives 25,000 Membership Rewards Points as well as waives the $450 fee for the first year. One of the greatest parts about the offer is that you can add up to three authorized users and they get the same benefits with exception of the $200 yearly airline rebate. I originally reported that this benefit cost a $175 fee for up to three additional users. The Ameriprise offer waives the $175 fee for adding authorized users. This means four people can get free Centurion Lounge access, Delta Lounge access, and Priority Pass Select which comes with United Club Lounge access as well. This really makes this a no brainer.




American Express Platinum Card Benefits:
$200 Airline Rebate - Every calendar year (Jan - Dec) you get a $200 airline rebate. You chose which airline you want to receive the credit for when you sign up. Officially, this is for things like baggage fees, upgrades, beverages, etc... Although, many people have had success purchasing airline gift cards directly from the airline and receiving the rebate.  So this benefit actually comes out to $400 total. If you get the card in December you can get a $200 rebate in December and another $200 in January.
Airport Lounge Access - One of the most touted benefits of the Platinum card is the access to airport lounges including Delta SkyClubs. This lounge access also includes Priority Pass Selects which grants access to over 600 airport lounges in 100 countries. This benefit only applies to the card holder and guests cost an additional $27 fee. Amex also has its own Centurion Lounges, with locations in Las Vegas, Dallas, San Francisco , and New York with new lounges coming to Miami and Seattle in 2015. Centurion Lounges are consider the crem della crem of airport lounges. 
Global Entry or TSA Pre-Check Application Reimbursement - Card holders can get reimbursed for the $85 cost of TSA Pre-Check or $100 cost of Global Entry.
Starwood Gold Status: When you have the card you can call Starwood and request free Starwood Gold Status. Read about the benefits here.
As a disclosure, I received no commissions from any of the links in this blog post.

How to Meet Minimum Spending on Credit Cards - Bluebird

This is the third installment of "How to Meet Minimum Spending on Credit Cards." See the links for earlier installments.

How to Meet Minimum Spending Requirements for Credit Cards - Amazon Payments

How to Meet Minimum Spending on Credit Cards - Debit Gift Cards to Money Orders


Bluebird is a bank checking account alternative from American Express. Bluebird is a re-loadable debit card of sorts, but with many added benefits including:

  • No fees
  • Fully functioning Bill Pay
  • Direct Deposit
  • ATM withdrawals
  • Online check deposits
  • Reload ability at Walmart cash registers



Bluebird is a staple in the manufactured spender's wallet. The primary reason is that Bluebird allows loading your account with up to $5,000 per month from debit cards including debit gift cards. You can do this without any fees. Once you load your Bluebird at Walmart you can then login to your account and set up a free bill payment to pay your mortgage, student loans, car payment, or other expenses that you cannot pay with a credit card directly. I pay my mortgage and condo dues every month with my Bluebird. Its free to apply and open up an account. Do not bother with the $5 temporary Bluebird card sold at Walmart. You still have to apply for a permanent card online.

I frequently use my favorite credit card to buy debit gift cards and load my Bluebird. Then I immediately login to my Bluebird and set up a bill payment to pay off the credit card that I just used to buy the gift cards.

Before several months ago, you were limited to loading a maximum of $1,000 per day to your Bluebird. Now Bluebird has increase the daily loading limits to $2,500 per day. This means you only have to visit Walmart only twice per month to load the maximum monthly load amount of $5,000. My fiance is also signed up for a Bluebird card. I am able to bring both of our Bluebird cards two Walmart and I load $2,500 each to two Bluebird cards included $2,000 in money orders during the same visit. I am able to liquidate a total of $7,000 in one Walmart visit.

You are restricted to four card swipes per transaction at Walmart cash registers. This means the maximum you could load to a Bluebird account at one cash register is $2,000 with four $500 debit gift cards. It will be necessary to go to several check out counters to load $5,000 to two different Bluebird cards.


There are many places to buy gift cards to use to load your Bluebird, but you cannot just buy any gift card. You are looking for Visa or MasterCard gift cards that say "Debit" that allow loading up to $500. American Express Gift Cards will not work for this method. AMEX gift cards are never set up for debit transactions. Visa and MasterCard debit gift cards are the only ones that will work for this process. If they do not say "debit" than they will not work. 


All of the gift cards have a fee which varies from $2.95 to $6.95. Find the gift cards with the lowest fee possible. Grocery stores and department stores often sell gift cards with a $5.95 fee. You can buy variable load debit gift cards at some gas stations, drug stores as well. Look at the local stores in your area and see what is available.

Additionally, do not buy One Vanilla Visa Gift cards. I use to buy these frequently from Walgreens. These gift cards no longer work as debit cards at Walmart.

Recap: If you want to be able to pay your mortgage or other expenses where a credit card is not allowed. Purchase $500 debit gift cards at the lowest possible fee (shop around). Go to Walmart and load up to $2,500 per day to your Bluebird. Set up a bill payment to pay your mortgage or other expenses. This is a great way to make the minimum spending requirement for your credit cards.