We only have a personal Gold (DH) and An Aspire (me). I am 4/24 and don;t want to get another personal (I have plans for that last spot), but am open to getting a Bus Gold.
You know when we talk about the cards we regret not getting? I regret not following your advice in Aug and having DH refer me to a bus card from his Plat bus...
Do you have $5k-$15k worth of expenses in the next few months? Because you have a few options.
DH could still support you to an Amex biz card from his personal Gold for 10k MR.
The BBP is a no fee card that earns 2x MR on every purchase up to $50k spend/year. It’s a great daily driver and useful for keeping your MR points active if and when you decide you want to close your MR cards with AFs. The BBP SUB via supportal recently increased to 15k MR after $5k MSR in 3 months, expires 1/29/20. The SUB is not much for a hefty $5k MSR, but again this is a no fee card that earns 2x MR on everything. In addition, the BBP is valuable because it currently generates supportals worth 15k MR (its usual supportal bonus is 10k MR, although Amex increases it now and then).
The Biz Gold is a $295 AF card that earns 4x MR on the 2 categories in which you spent the most each billing cycle, among the following categories:
- Airfare purchased directly from airlines
- U.S. purchases for advertising in select media (online, TV, radio)
- U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions
- U.S. purchases at gas stations
- U.S. purchases at restaurants
- U.S. purchases for shipping
The Biz Gold also gets you a 25% rebate of MR points used to redeem for any class flight with your selected airline, or a First or Business class flight on any airline booked through Amex Travel, making these flights a 1.33 cpp redemption.
The Biz Gold SUB via supportal recently increased to a tiered 50k MR/$5k MSR and an additional 25k MR after another $5k MSR in the same 3 months (so, 75k MR for $10k MSR in 3 months). That’s not bad considering the more expensive $595 AF Biz Plat call-in offer is 100k MR/$10k MSR/3 months, and P2 can’t earn a support bonus on the offer. (Yes, the Biz Plat has Dell credits and the Biz Gold does not.)
The real value of the Biz Gold is its supportals are the most lucrative of any Amex card. Biz Gold supportal bonuses are typically worth 20k MR, but is currently increased to 25k MR. As with all other Amex MR cards, the Biz Gold is limited to 55k MR worth of supportal bonuses per year, so you’d get only 2 full support bonuses at 20k or 25k MR before the 3rd one is worth whatever is left of the cap. But if you don’t plan to support P2 to too many Amex cards in the next year, two full supportals may be enough and the Biz Gold will have paid for its AF with the value of its support bonuses.
If you have the BBP or Biz Gold, you can use them to support DH to the Hilton Aspire or almost any Amex card (except certain co-brands like the Charles Schwab and Morgan Stanley Platinums).
ETA: The Biz Green also recently increased its supportal SUB to 25k MR/$3k MSR/3 months with the first year AF waived. It’s worthwhile to support to the Biz Green if you’ve never had it, depending where you are in your game and your ability to meet MSR. However, neither you nor P2 has a strong supportal card to support to the Biz Green, and the Biz Green itself isn’t a strong supportal card (I think the bonus is something like only 5k MR). But I guess some people would look at the $0 AF in the first year as hey, an opportunity to earn 25k MR for free. It’s sweeter if you can get a big supportal bonus from it. Aside from that, the Green has very poor earning category bonuses and isn’t necessarily a card you will want to spend on or keep past the first year, which could cause problems with pop ups so do know what you’re signing up for and make some effort to spend on it and maybe take an upgrade offer if one presents itself.