Bad news to report, looks like they closed the loophole where you can earn both 5x points (With Personal Platinum) on top of getting 35% of points (With Business Platinum) back when paying with points and choosing your Personal Platinum card on check out. In times past you would get 5x on the initial charge (charged as AMERICAN EXPRESS TRAVEL – CHICAGO, IL) to your airline of choice on the Personal Platinum:
However it charges a new charge of “PwP AMERICAN EXPRESS TRAVEL – CHICAGO, IL” which no longer triggers 5x despite choosing the AmEx Personal Platinum. The charge details show no bonus earn, not even sure if it gets 1x points.
I reported on this double dip in the past, but it seems like they were aware of the issue and made a new charge category to limit earning 5x on this on top of the 35%. This method was very lucrative. For example a $1,000 flight would cost 100,000 MR initially, but you would earn 5,000 MR bonus on the charge as well as a refund of 35,000 MR after a month. The overall cost of this $1,000 flight would have been 60,000 MR or 1.6 cents per point.
This by all means is not a deal breaker! You will still get 1.5 cents per point with the 35% points bonus when using an AmEx Business Platinum. Please use my links: here, here, here, here, or here if you are at all interested. I currently have 3 Business Platinum cards per points pool in order to get 35% on Delta, American Airlines, and United to ensure booking flexibility. I also have reports where you can get a single $200 gift card on American Airlines (if you had it a previous year) and then switch to United in January after reimbursement of the $200 gift card. Then next year swap with the other card to always ensure $200 x 2 for American Airlines Gift Cards but also diversify your 35%.
For example for my three cards in 2018 I have Biz Plat A as United, Biz Plat B as American Airlines, and Biz Plat C as Delta Airlines. In January of 2019 I bought 4 x $50 gift cards with C. I then swapped Card A to American Airlines and bought a $200 AA gift card. I bought an $200 AA gift card with Biz Plat B. I then was reimbursed for it and swapped Plat B to United so that I could earn 35% points back on all three. Then repeat the swap for 2020. The summary is here:
|AmEx Biz Plat||2018||2019||2020|