New To Military Churning Best Practices 2018

BLUF: If you are a credit card virgin, and are in the military you need to apply for cards in sequence to take full advantage of various bank rules. Establish a credit history with a Discover Card for one whole year. Then start with Chase, then US Bank, then AmEx based of how strict these respective banks are screening for new applications. Take it slow and try to hit the spend bonuses organically. Use Manufactured Spending only in a pinch, and make sure you keep track of the deadlines involved. Focus on high fee cards that are waived for military with renewable annual benefits.

Those service members that do not have any credit history should start here.

Rules of the game:

  1. You need a credit history to get the high annual fee cards (with big benefits), great intro video here (ask sebby).
  2. Always keep cards open that you had before you joined the military, let the banks know and most will waive annual fees for card you had before joining. You can product change these card to higher product and get away from paying the annual fees. For example I had the United Explorer Card before I joined and got the fee waiver. I then upgraded this card to the $450 annual fee United Club card and continued to get the fee waiver. Several people have moved their Chase Freedom from High School to a second CSR!
  3. There are only two players in this game, suckers and maximizers. Suckers are making minimum payments on their cards and thereby fund the credit card companies by paying 15%-19% APR. Maximizers cost the Banks money by not carrying a balance (therefore no interest) and taking full advantage of recurring benefits on each one of their cards. You are one missed payment away from turning from a Maximizer to a Sucker, and we are all subject to the same greed and FOMO that attracts us to use credit cards. If you loose control and become a sucker, time to quit the game!
  4. In general credit card companies make some money on processing fees from retailers, but the bulk of its revenue is on balance carrying suckers. AmEx just loves new accounts as it shows to the shareholders the improving health of a company. Wells Fargo took this too far and made up fake accounts, while AmEx entices you to open multiple accounts. Chase hates new accounts and have been shutting down churners left and right.
  5. You can open cards, close cards, and you can product change cards. Opening cards come with a credit pull and a new account, product change keeps a card alive as a higher or lower product. Closing an account kills the card and shortens your overall credit age. You must wait a year of having a card before any changes can be made due to the 2009 Credit CARD act.
  6. Credit score is determined by account age, credit pulls, and utilization. Use credit Karma to keep track. Never over-utilize a card (over 10% of available credit) or it will tank your credit score. You can pre-pay a balance before the statement closes to get utilization down for the credit report.
  7. For all intents and purposes the only useful banks that waive any annual fees for active duty AFTER they join are: Chase (Per MLA after Sept 2017), AmEx (SCRA for Reservist and AD), and US Bank (Post Sept 2017 MLA). Capitol One waives, but I have no experience in their products.
  8. AmEx will let you have only 5 Credit cards (biz and personal totaled together), but infinite charge cards (Green, Gold, Platinum)
  9. AmEx and Chase will not let you get the same product twice, but will let you product change to another card of a existing product held. For example You can get a Platinum and then a Green, and then upgrade the Green to Platinum. You can move a Slate, Chase Freedom, and Chase Freedom Unlimited to another Chase Sapphire Reserve.
  10. AmEx business cards do not get reported to a credit history thereby a strategy to staying under 5/24.
  11. Chase will look at 24 months of your credit history to determine approvals of new accounts. For most of their cards, any more than 5 cards (at any bank) opened or added as authorized user in a 24 month period means instant denial. This is the “5/24 rule”
  12. Chase will not waive business card fees for military, might be worth it for some UR points on Ink products
  13. American Express WILL waive annual fees for business cards for military, worth hitting business versions of card to double dip points.
  14. The best credit card offers are not presented on this site, you need to seek out the best offers on your own. The referral links are here to support the site and you can use them as you wish.
  15. You can apply for a business card as a sole proprietorship in yourself, just use your SSN as the tax ID number.
  16. Chase Ultimate Rewards and American Express Membership Rewards are worth 1.5 cents per point minimum, don’t waste them on gift cards or statement credits for less than 1.5 cents per point!
  17. If you ever get an AmEx card bonus, you can never get it again for the same product (7 year drop off de facto)
  18. Must wait 24 months between receiving Chase Bonuses, and 48 months for Sapphire products.
  19. Memorize earn categories by checking merchant codes here. Use the right card for the right transactions to max out earning.
  20. Closing an AmEx card in less than one year from earning the bonus may cause the points to be clawed back.
  21. Take it slow AmEx: Max 1 credit card approval per 5 days and 2 in 90 days, but no known limit for charge cards
  22. Take it even slower for Chase: Usual max 2 new cards per month (but rule seems to vary)
  23. If you try to apply for two Chase cards in a short period of time (2 days) then you will certainly get a manual review.
  24. U.S. Bank monitors the purchsing of gift cards to make spend and will shut you down
  25. U.S. Bank will not issue you a new card if you had gotten too many in a short amount of time
  26. Bust Out Fraud is tracked with a different score, your behavior as a churner (eg: buying only gift cards) may get you shut down!
  27. Adding your spouse as an authorized user will count against their 5/24 count. I just give my wife my card to use and no one has ever stopped her.

Spouse and Dependent Fee Waivers

Per the terms of the MLA, spouses and dependent children (up to age 23 if in full time school) are covered under the MLA. This means Chase will waive annual fees for Military and these dependents. Keep in mind the minimum age of a primary card holder is 18. AmEx is waiving for spouses on a state by state basis, Illinois spouses appear to have the waiver. A spouse of a captain in Florida was denied her waiver. No data points exist on the dependents of military members for AmEx.

Credit History Must Be Established

Chase is very conservative on giving out credit. You will get rejected even for a Chase Freedom if no personal credit history exists. Just being an authorized user is not enough. Per Ask Sebby, you should use this sequence to establish a credit history:

  1. Secure Credit Card from Discover (No AF) for 12 months to establish credit history.
  2. Freedom or Freedom Unlimited, $500 limit, prepay it mid cycle to keep utilization low.

Best Sequence (Chase First) pick 5 of these card that are 5/24 restricted (try to maximize annual fee waiver):

  1. Chase Sapphire Reserve: 50k UR on $3k in 90 days ($450 annual Fee Waived)
    1. Do it for the $300 Travel Credit Per Year (spend on airline tickets)
    2. Priority Pass lounge access with 2 guests
    3. UR Points transfer to United and Hyatt
    4. UR Points can be used to book tickets at 1.5 cents per point
    5. Earn 3 points per dollar on dining and travel
    6. Can only apply for Sapphire Card (Reserve, Preferred, or Plain)
    7. Must wait 48 months form earning bonus to get another Sapphire Product
    8. Can upgrade a Freedom or Freedom Unlimited to the CSR
  2. United Club Card: 50k MP on $3k in 90 days ($450 annual Fee Waived)
    1. Gets you into United Clubs and Star Alliance Lounges worldwide
    2. Can get all versions of card (Club, Explorer, Travel Bank, and Business Versions)
  3. United Explorer Card: 40k MP on $2k in 90 days ($95 annual fee waived)
    1. 2 United Club Passes to give away
    2. Can get all versions of card (Club, Explorer, Travel Bank, and Business Versions)
  4. Southwest Priority Card: 40k RR on $1k in 90 days ($149 annual fee waived)
    1. 7.5k RR points each year
    2. 4 priority boardings
    3. $75 annual credit on Southwest flights
    4. Can only have one Southwest card
  5. Southwest Premier Card: 40k RR on $1k in 90 days ($99 annual fee waived)
    1. 6k RR points each year
    2. Can only have one Southwest card
  6. Southwest Plus Card 40k RR on $1k in 90 days ($69 annual fee waived)
    1. 3k RR points each year
    2. Can only have one Southwest card
  7. Chase Freedom $150 (15k UR) bonus with $500 spend in 90 days (Free)
    1. Rotating 5x categories that you can transfer as UR to Chase Sapphire Reserve
    2. Upgrade to another CSR in one year
  8. Chase Freedom Unlimited $150 (15k UR) bonus with $500 spend in 90 days (Free)
    1. 1.5 UR per dollar to transfer Chase Sapphire Reserve
    2. Upgrade to another CSR in one year
  9. Chase Marriott Premier Plus 75k Marriott on $3k spend in 90 days ($95 annual fee)
    1. Free annual night worth 35k points
    2. Will make you ineligible for the AmEx SPG Lux bonus for 24 months
  10. Chase Slate 
    1. No benefits at all (for us), but can be upgraded to CSR

Non 5/24 Restricted Cards From Chase

  1. Hyatt Card 40k on $3k spend, in 90 days then 20k on another $3k in 180 days ($95 waived) (Referral Link)
    1. Free annual night Category 1-4
  2. Chase IHG Card 80k on $2k spend in 90 days ($89 AF Waived) (Referral Link)
    1. Free night worth up to 40k points

The Little Known US Bank Altitude Card Next:

  1. Must establish a relationship with US Bank, check for bank bonuses here.
  2. US Bank Altitude Card 50k points for $4.5k spend in 90 days ($450 annual fee)
    1. 3x points on Apple Pay
    2. Each point worth 1.5 cents in travel
    3. $325 annual credit for travel (includes plane tickets)
    4. Will get denied if too many CC applications at other banks (eg: 2 AmEx in 1 mo, 3 total in 6 mo)
    5. Shut downs due to too many gift card purchases

AmEx for Infinite Bonuses (No Limit on Charge Cards)

  1. AmEx Platinum 60k MR points on $5k spend in 90 days ($550 annual fee waived) Referral Link
    1. $200 a year on Uber @ $15 a month with an extra $20 in December (Use on Uber Eats @ end of month)
    2. $200 annually on American Airlines, Delta Airlines, or Southwest Airlines gift cards (2x $100, 4x $50, 1x $200)
    3. $100 on Saks 5th Ave gift cards bought in person (2X $50 Jan to June, then $50 July to Aug)
    4. 5x points on airline tickets from the airline
    5. Free Airport Lounge Access: Airspace, Centurion, Escape, Delta Sky Club (Flying On Delta), Priority Pass
    6. Non airport lounges: Theme Parks and Las Vegas & NYC Convention Centers
    7. Hilton Gold Status
  2. Charles Schwab AmEx Platinum 60k MR points on $5k spend in 90 days ($550 annual fee waived)
    1. Same as above but different product
    2. Must have Schwab account, use code “refer” for $100 bonus on $1000 deposit
    3. Use Schwab for Roth IRA ($5,500 max per year)
    4. Transfer Membership Rewards Points for 1.25 cents per point (better than gift cards)
  3. Morgan Stanley AmEx Platinum 60k MR points on $5k spend in 90 days ($550 annual fee waived)
    1. Must have Morgan Stanley account ($5,000 minimum)
    2. Can transfer MR to $$$ this way as well but only at 1 cent per point (not worth it)
    3. Same benefits as above
  4. Ameriprise AmEx Platinum (No Point Bonus)
    1. No need for Ameriprise Account
    2. Same Benefits as above
    3. 5,000 MR for every $20k spent, up to 30,000 additional points per year
  5. AmEx Business Platinum 50k MR on $10k spend and an extra 25k MR on another $10k in first 90 days ($450 AF waived)
    1. Referral Link Here, Here & Here
    2. $200 Airline Credit American Airlines, Delta Airlines, or Southwest Airlines gift cards (2x $100, 4x $50, 1x $200)
    3. 35% points back on Points booking (Makes MR points worth 1.5 cents on travel)
    4. 10 GoGo in flight WiFi passes
    5. 1.5 MR on $5,000+ purchases
  6. AmEx Premier Rewards Gold 25k MR on $2k spend in 90 days
    1. $100 airline credit to be spent like AmEx Platinum credit (AA, Delta, Southwest Gift Cards)
    2. Upgrade to another Platinum in 1 year
  7. AmEx Green Card 15k MR for $1k spend in 90 days (referral link here) ($95 AF Waived)
    1. Upgrade to another Platinum in one year
  8. AmEx Ameriprise Gold 25k MR on $1k spend in 90 days ($260 AF Waived)
    1. Upgrade to another AmEx Ameriprise Platinum in 1 year)
  9. AmEx Business Gold 50K MR on $5k spend in 90 days
    1. 3x points on one of these of your choice:
      1. Airfare purchased directly from airlines
      2. U.S. purchases for advertising in select media
      3. U.S. purchases at gas stations
      4. U.S. purchases for shipping
      5. U.S. computer hardware, software, and cloud computing purchases made directly from select providers
    2. 2x on the remaining categories
    3. Upgrade to Business Plat in one year

5 Card Limit on AmEx Charge Cards (Pick 5) including Business and Personal Cards

  1. Hilton Aspire Card 100k HHonors on $4k in 90 days ($450 AF Waived) Referral Link Here at bottom
    1. $250 on American Airlines, Delta Airlines, or Southwest Airlines gift cards (2.5x $100, 5x $50, 1x $250 respectively)
    2. $250 on Hiltons Resort Credits
    3. Free Weekend Night every year including first year (Any Hilton but these)
    4. Diamond Status
    5. Can have all 3 hiton cards
  2. Hilton Ascend Card 100k HHonors on $2k spend in 90 days ($95 Yearly Fee Waived) Referral Link Here
    1. Upgrade to another Hilton Aspire in 1 year to repeat benefits
  3. Hilton Card 65k HHonors for $1k spend in 90 days (free) (referral link here at bottom)
    1. Upgrade to another Hilton Aspire in 1 year to repeat benefits
  4. SPG Luxury Card 100k SPG on $5k spend in 90 days ($450 annual fee waived) (referral link here)
    1. $300 for SPG and Marriott hotel incidentals per year
    2. 50k point value free night per year (after first year)
    3. Can’t get bonus if you had the Marriott Card in 24 months
  5. SPG Personal Card 75k SPG on $3k spend in 90 days ($95 fee waived) (Referral link here at bottom)
    1. 35k point value free night per year
    2. Upgrade to another Lux in 1 year
  6. Delta Reserve 40K Sky Miles, 10K MQM on $3k spend in 90 days ($450 AF Waived) (Referral Link Here at bottom)
    1. First Class Delta Companion Pass Every Year
    2. Can have all three Delta Cards
  7. Delta Platinum 70K Sky Miles, 10K MQM on $3k spend in 90 days ($195 AF Waived) (Referral Link Here at bottom)
    1. Main Cabin Delta Companion Pass Every Year
    2. Upgrade after 1 year to another Delta Reserve for another First Class Companion
  8.  Delta Gold 60K Sky Miles, on $3k spend in 120 days ($95 AF Waived) (Referral Link Here at bottom)
    1. Upgrade after 1 year to another Delta Reserve for another First Class Companion
  9. Delta Blue 10k Sky Miles and $50 lyft credit for $500 spend in 90 days (free)
    1. Upgrade after 1 year to another Delta Reserve for another First Class Companion
  10. BLUE Cash Preferred $250 cash back on $1k spend in 90 days ($95 fee waived) (Referral Link Here)
    1. 6% Cash Back on groceries
    2. 3% Cash Back on gas
  11. AmEx Everyday Preferred 20K MR on $1k spend in 90 days ($95 fee waived) (Referral Link Here)
    1. 50% bonus on 30+ uses per month
    2. 3x MR Super Market
    3. 2x Gas

Manufactured Spending

Use plastiq to top off organically spent money for rent and other expenses. Use my referral code – 674873 – or download the app here. Gift card buying and reselling is risky because it will trigger account reviews. Gold coin and bitcoin should be avoided.

Model Card Hands

Hotel Maximizer:

  1. CSR ($300 for travel)
  2. Freedom Upgraded to CSR ($300 for travel)
  3. Freedom Unlimited upgraded to CSR ($300 for travel)
  4. Slate upgraded to CSR ($300 for travel)
  5. Marriott (35k Free Night)
  6. US Bank Altitude ($325 for travel)
  7. Hyatt (Free night)
  8. IHG (Free Night)
  9. Hilton Aspire ($250 Hotel Credit, $250 Flight Credit, Free Night)
  10. Hilton Aspire (Upgraded from Hilton Ascend)
  11. Hilton Aspire (Upgraded from Hilton Honors)
  12. SPG Lux ($300 Credit, 50k free night)
  13. SPG Lux from Personal SPGTotal yearly loot: $1,350 Hotel Credit, $750 airline credit, $625 travel credit, 8 free nights

Airline Maximizer:

  1. CSR ($300 for travel)
  2. Freedom Upgraded to CSR ($300 for travel)
  3. Freedom Unlimited upgraded to CSR ($300 for travel)
  4. United Club (United Club Lounge Access for you and 2 guests)
  5. Southwest Priority ($75 credit, 7.5 RR)
  6. US Bank Altitude ($325 for travel)
  7. Hilton Aspire ($250 Hotel Credit, $250 Flight Credit, Free Night)
  8. Hilton Aspire (Upgraded from Hilton Ascend)
  9. Hilton Aspire (Upgraded from Hilton No Fee)
  10. Delta Reserve (First Class Companion)
  11. Delta Reserve (Upgraded from Delta Platinum)
  12. AmEx Platinum ($200 for airline gift cards)
  13. AmEx Platinum (Upgrade from Green)
  14. AmEx Platinum (Upgrade from Gold)
  15. AmEx Charles Schwab Platinum ($200 for airline gift cards)
  16. AmEx Morgan Stanley Platinum ($200 for airline gift cards)
  17. AmEx Ameriprise Platinum ($200 for airline gift cards)
  18. AmEx Ameriprise Platinum (Upgraded From Ameriprise Gold)
  19. AmEx Business Platinum ($200 for airline gift cards)
  20. AmEx Business Platinum (Upgraded from Biz Gold)

Balanced Travel Approach:

  1. CSR ($300 for travel)
  2. Freedom Upgraded to CSR ($300 for travel)
  3. Freedom Unlimited upgraded to CSR ($300 for travel)
  4. United Club (United Club Lounge Access for you and 2 guests)
  5. Marriott Plus (35k free night)
  6. Hyatt (Free night)
  7. IHG (Free Night)
  8. US Bank Altitude ($325 for travel)
  9. Hilton Aspire ($250 Hotel Credit, $250 Flight Credit, Free Night)
  10. Hilton Aspire (Upgraded from Hilton Ascend)
  11. Hilton Aspire (Upgraded from Hilton No Fee)
  12. Delta Reserve (First Class Companion)
  13. SPG Lux ($300 Credit, 50k free night)
  14. AmEx Platinum ($200 for airline gift cards)
  15. AmEx Platinum (Upgrade from Green)
  16. AmEx Platinum (Upgrade from Gold)
  17. AmEx Charles Schwab Platinum ($200 for airline gift cards)
  18. AmEx Morgan Stanley Platinum ($200 for airline gift cards)
  19. AmEx Ameriprise Platinum ($200 for airline gift cards)
  20. AmEx Ameriprise Platinum (Upgraded From Ameriprise Gold)
  21. AmEx Business Platinum ($200 for airline gift cards)
  22. AmEx Business Platinum (Upgraded from Biz Gold)

Downgrade Strategy

Upon exit from active duty keep in mind these downgrade routes to avoid the annual fee when it hits. A letter from Chase and AmEx will come to give you ample time to make changes before the annual fee hits. Then stagger the closures over months to not have them clustered together. AmEx appears to do an audit every April with DFAS to see who is still in the military. You can sometimes have an entire year before the annual fee hits.

Joining the reserves will keep the AmEx SCRA waivers alive, not sure about Chase. Having your spouse go AD would get your Chase cards waived.

  1. AmEx Platnum to Green ($95 annual fee) then close after MR Points are exhausted (Dump to Charles Schwab at 1.25 cents per MR point)
  2. AmEx Biz Plat to Gold then close ($175) (possible plumb card)
  3. Morgan Stanley Platinum to Morgan Stanley Credit (Free) (Rumored)
  4. Schwab Platinum to Schwab credit (Free) (Rumored)
  5. SPG Lux to Regular SPG ($95)
  6. Delta Reserve to Delta Blue (Free)
  7. AmEx Blue Cash Preferred to Everyday Cash (free)
  8. AmEx Blue Preferred to Blue (free)
  9. Chase Sapphire Reserve to regular Sapphire or Freedom (Free)
  10. United Club to United Travel Bank (Free)
  11. AmEx Ameriprise Platinum to Gold ($160)
  12. Southwest Priority to Plus ($69)
  13. Hilton Aspire to Basic Hilton Honors (Free)

Note: this is a work in progress, updated 14 Sept 2018 08:46

33 thoughts on “New To Military Churning Best Practices 2018

  1. Christian says:

    great list. I get asked by newbies a lot which card they should get. I’ll start referring them to this post (and then they’ll probably still have a million questions. ).

    Also, good to know that AMEX waives fees for reservists. Do they have to do an active duty stint of more than xdays? (30,45,90?) .

    • uiucderp2011 says:

      My reservist dental friends all are getting their waivers for AmEx as DFAS reports them as being just a reservist without any specification of how many days they are active.

  2. Alex says:

    I don’t know if you covered it, but Amex has 2/90 rule? Can only be approved for 2 Amex credit cards within 90 days, so not including charge cards. So if I had approved for 2 credit cards last month, I should be able to be approved for the Platinum card?

  3. ArmyGrunt07 says:

    I recently opened an AMEX PRG and Green card to product change in one year. I did the first step of the application for a AMEX Delta Gold and Platinum but when i saw the message that i’m not eligible for either sign up bonuses from having them previously, i cancelled the appliation. About 4 weeks later i attempted to apply for the Charles Schwab Platinum but was rejected for applying for too many cards. Any idea if the two cancelled AMEX Delta cards counted for the 2 credit card apps in 90 days? (they show up in the card application history as “cancelled” just like the rejected recent attempt for the Charles Schwab Platinum). I have $1,000 in a fund, received the $100 bonus, but am not using their Roth IRA listed in this post.

    • uiucderp2011 says:

      Thank you for the datapoints! It took 7 years for my AmEx green to be forgotten by AmEx, but keep in mind they know if you had a product before simpily because they keep pretty good records (I assume you just closed the card). Maybe by attempting to get the product again it triggered something!

      AmEx has been rolling out their war on churning as aggressively as Chase, and it looks like the 90 day rule did kick in because it had been less than 3 months from the delta card applications to get a denial for the schwab charge card. However recent data points have suggested that Charge cards are exempt from such rules. In all cases I would call in and ask why a card was rejected. From DoC: You’re limited to one approved credit card every 5 day rolling period and two approved credit cards every 90 rolling period. Note that this only applies to credit cards and not their charge cards.

      Sounds like your experience is unexpected and new. This might be a sign of things to come!

      Think about investing the $1,000 into their many non commission funds that rival Vanguard

  4. Nick Thompson says:

    This is a fantastic write up. I didn’t realize the Amex Plat upgrade trick. Between the wife and I, that’s going to be a lot of points and money in the bank!

    Thanks!

  5. DallasBest says:

    Derp,

    Something to look at for manufactured spending. I’ve set my withholding to the maximum and have been paying taxes via online websites to help hit manufactured spending. Fee runs about 1.9%, but is much better than Plastiq.

  6. DallasBest says:

    Derp,

    Great write up, but I would add paying taxes as another manufactured spend. Got the idea from the wealthyaccountant, but I’ve set my withholding to the maximum and then just make payments via a 1040-ES on pay1040.com. Fee runs about 1.9%, but that is cheaper than Plastiq.

  7. Navy UMO says:

    Derp,

    Great post, I enjoy the new layout of the site. DP for AMEX Spouse fee waivers: I have residence in CA and my wife has received annual fee waivers on all her credit cards (Plat, Aspire, PRG).

  8. Marcus says:

    Derp,

    I had the CSR when the 100K bonus came out but closed it a year later to not pay the annual fee again. At the pace I am applying for AMEX cards I will never be under 5/24 to get the CSR again. However, I do have a Chase Freedom (since Dec 16) that can be product changed to a CSR. Do you know if I prouct change to the CSR if I would be able to have the annual fee waived? From what I understand, Chase only waves fees on cards opened after Sep 2017 and I don’t know if this card would show as still be opened in Dec 16…

    It would be an interesting way for military members to get the card if over 5/24. I obviously wouldn’t get the bonus but I would at least get the $300 credit every year.

  9. uiucderp2011 says:

    They won’t waive the fee but it would be worth doing just to have the 3x earn. The $300 credit would off set the $450 annual fee. Do you have a player 2 that could get the card?

    • Marcus says:

      I don’t usually spend time looking at what categories are the most efficient since almost all my spending goes to new cards. So the CSR would basically be $150 extra per year. Not worth it for me unless it was free. And nope, I don’t have a player 2.

      • uiucderp2011 says:

        Well if you got the freedom before you joined you would have the SCRA coverage and would be elligible for the fee waiver if you upgraded to a CSR. When did you join?

  10. Anonymous says:

    When you request SCRA for Amex, do you have to it for every single new card, or does Amex already list you as a “covered borrower” from your credit report?

    • uiucderp2011 says:

      Yes I do it for every new card. I have been charged before, but after applying it they waived the fee.

  11. Marcus says:

    I’ve also been charged the annual fee after product changing my card and then had to submit for SCRA benefits again.

  12. Josh says:

    You mention that you can technically have plenty of Platinum cards, correct? (get first one Vanilla Platinum, then PRG and Green), then upgrade both after a year for 3 total vanilla Platinums? Can you reapply for new PRG and Green Cards, then subsequently upgrade those, and rinse and repeat (but not get shut down).

    I also have the Ameriprise Platinum, and just now got the Ameriprise Gold Card. I should assume that can be upgraded for double Ameriprise Platinums?

    Finally, Morgan Stanley has a normal card, lower than the Stanley Platinum Card. (https://www.americanexpress.com/us/content/cardmember-agreements/morgan-stanley-credit-card.html) I should assume that this is also upgradeable?

    • uiucderp2011 says:

      I am in the same situation with my Ameriprise gold, I am going to upgrade in February 2019 and I will let you know how it goes!

  13. Alex says:

    When you say that you can technically have unlimited Platinum cards, (have vanilla Amex), you mean upgrade PRG and Green to Vanilla after a year? So, you can technically repeat this constantly?

    Also, I have the Ameriprise Platinum card, and just got the Ameriprise Gold Card. Once I upgrade Gold, I would still be able to have the 2 Ameriprise Platinum cards?

    Finally, there is a “Morgan Stanley Credit Card from American Express”, is that also upgradable to Stanley Platinum (after you have also received it?)

    • Marcus says:

      I don’t know if there are any data points on people upgrading a PRG, then getting another PRG, and then upgrading it. I don’t think I want to be the first to try it but it seems like it could be possible.

      I’m also doing the same thing with the Ameriprise PRG. I just got it this month so I will convert it in September next year.

      I doubt the Morgan Stanley Credit Card could be upgraded to the Stanley Platinum since it doesn’t earn MR points. This would make me believe it’s not in the same family of cards and therefore couldn’t be upgraded.

      • uiucderp2011 says:

        Agreed, never doubled dipped hitting the same product twice for inital application. I am sure it would be fodder for a shutdown. There are plenty of choices out there for now, but who know when I am a 20 year terminal commander!

    • uiucderp2011 says:

      I think I spoke to AmEx CSR regarding that the MS along with the CS credit cards are the only ones that you can PC to the Platinum. Not sure about double dipping, but I don’t see why not. Please post any DP right here!

  14. […] love from his YouTube or site for my personal approach found here, but always interesting to get a perspective from a non-military member. He describes the 5/24 like […]

  15. […] some good points that I commented on in my feature of his blog post here. I am going to update my guide found here to reflect these two new […]

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