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This statistic highlights American Express Number of Cards in Force, split between International Region and the U.S., reported on a quarterly basis from Q1 2016 onwards. I recommend the Charles Schwab Amex Platinum card. To listen to this statement, as well as a description of your payment obligation for this Account, call us at 855-531-0379. This isnt something you want to screw up if you know better now. Tara, was this resolved in your favor? Post the pandemic, there has been a reportable increase. Hey Spencer, thanks for the great posts. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee (other than certain participation fees for a credit card account). In fact any authorized user is annual fee waived when the primary user is in the MLA Database. Amex MLA benefits are automatically applied for covered borrowers, which includes active duty military servicemembers and their spouses. Check your MLA status here: https://mla.dmdc.osd.mil/. And is it possible to do in conjunction with a referral? Does AMEX waive the Business Platinum Card for Service Member? and if so for how long. $200 statement credit for spending $2,000 in the first 6 months. You need to apply for SCRA or MLA benefits while your active duty orders are in effect. Amex, Chase, Citi, and US Bank all waive their annual fees for credit cards opened after starting active duty military service. From the Card Management tab at the left, select Increase Your Credit Limit in the middle of the screen. You can check your eligibility before you even apply at the official DOD SCRA and MLA websites here and here. Values range from $25 to $3,000, so American Express Gift Cards can be a thoughtful gift for any occasion. Thanks for your time! im already an authorized card holder under my husbands account, but after reading this blog post I want to open my own account to maximize the benefits! Would I send a copy of my military ID (which as I understand is technically not legal) or would they verify via my .mil email address or a copy of my enlistment contract? Saves everyone time and stress! It takes a few weeks for them to confirm your active duty status. Anyways, beside all that, I called and requested the AD fee waiver and the operator knew EXACTLY what I was talking about. You could see them all shining in their metallic glory in this low-rent bar in backwater Louisiana. The total amount I received back was $8,604.05. I just thought Id add a little bit to the discussion about American Express waiving membership fees for active duty military personnel. Terms apply. We are grateful for the service and devotion you have shown to our country. Im in the reserves and I go on and off of active duty throughout the year. Just a quick update in 2022 here I've had dozens of Amex cards since 2012. Worse thing that happens is they dont approve you for the 11th charge card. We are looking at Amex Delta Reserve and CSR for both of us. All we did was call and although we had to elevate to a supervisor, they immediately knew what we were asking for and after giving info on entry date and end of service date and other basic info they said they would start the process , to include previous held and cancelled AMEX cards during active duty. Have you seen that happen? If you are stationed OCONUS or travel a lot OCONUS, you need to make sure you always have a no foreign transaction fee card in your wallet. Also, I heard that the additional card holders dont count against me. Terms apply. Yes you can. I have. The Platinum Card from American Express - learn how to apply; Annual fee of $695 waived for US military personnel and spouses; Earn 80,000 Membership Rewards Points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. This annual fee waiver benefit is as the primary account holder, not just an authorized user. According to a recent Amex Trendex survey*, 70% of Millennial and Gen Z Card Members said they plan to use their American Express for the majority of their . The Amex Platinum card for US military servicemembers AND their spouses has NO annual fee. That's 11 cents per point! Apply Now. Both my (AD mil) and spouses US Bank Altitude Reserve have annual fees waived automatically since we were both identified as Covered Borrowers during applications Both applied/approved in 2018 with subsequent annual renewals waived. I have NEVER had an annual fee charged on an AMEX card while on active duty military service. What a nice benefit! Most of these days are broken up but total up to 30 days a year. Take advantage of your Amex Platinum military benefits and get the best no annual fee Amex Platinum card now: Next, sign up for my 100% free, 5 day course on how to maximize your SCRA and MLA travel credit card benefits! Thanks. Yes, you should be covered. Amex says that because my Platinum account was opened after May 2008, I am not eligible for that either. While that is the letter ofhe law, that is a change from their prior policy, and it is very hard to find any information online abou the terms of the agreement. If you apply now for the AMEX Platinum card while on active duty they will waive the yearly fee. This is in line with Chases MLA policy. Did you read my article on SCRA denials? Please try and let us know if it works. My wife and I are both active duty and have had the AMEX Platinum for many years. Welcome to American Express! If someone were to be invited, would the $2500 a year fee be waived? Im telling you right now Absolute customer for life. I am worried that if she argues this point, we will lose the waivers for the other cards. In December every year I receive over $235 of Uber Cash from my 7 Amex Platinum cards. Log in to your account, click Account Services, Click Servicemembers Civil Relief Act (SCRA) Benefits, Platinum Elite Status at Marriott Bonvoy Hotels, Ameriprise Gold (will upgrade to Platinum soon) ($195). 1 - 6% cash back. Flat-Rate Rewards. Most of the time they just run a database check in the background to determine their eligibility and you do not need to show orders. in Marketing, a minor in Writing, and an expired library card. Justin you are correct that 5 AMEX credit cards (not charge cards, as you mentioned) appears to be the limit. I am an Air Force veteran investing for financial independence by age 40. Yes AMEX personal loan info here. The card makes a satisfying thunk sound when you throw it down. Much like Chase (and now AMEX it seems), its an auto-check during application. AMEX is not waiving the annual fee for business cards under the Military Lending Act. I apologize for the very long comment and I appreciate you getting this far reading it. 11 cents per point means 80,000 Amex MR points would be worth $8,800! I retired in 2017 from the ARMY. Last week I received $2500 in returned fees (annual fees, interest charges, etc), all paid to AMEX over the last 10 years as a Delta AMEX card member. Been in for 10 years, AFs for 3 years, with AD orders 6+ months never thought I would be eligible. Let us know how your experience goes, this site thrives on good data from servicemembers of all activation levels! Ive spoken to six different people at Amex who seem to know nothing about SCRA or MLA, but from what I can figure, once MLA was enacted, SCRA rules changed. [AUTO]:When this unit i Military Money Manual connects US military servicemembers with the best military credit cards available. You would have needed to open the account while on active duty. Has anyone had luck getting annual fees waived as a drill status guardsman or traditional guardsman? Any thoughts? This information is then verified by AMEX before they approve your account for the fee waivers. He had access to great airport lounges in Amsterdam while we were travelling on TDY. But offers are only available for a limited time you will notice that each one has an expiration date. Yes, the Amex Platinum card is made out of metal and will even rust if left in water. Step 1) Before renting the vehicle, read your American Express car rental loss and damage insurance plan. I just applied for the American Express Platinum card using your link and look forward to following more of your advice! I closed this card in the fall of 2016 shortly after replacing it with the Chase Sapphire Reserve. I just applied for the AMEX Platinum Business Card and was accepted. Guest access policies may vary internationally by location and are subject to change.<<<>>>Primary Cardmembers and Authorized Users are granted complimentary access to the Priority Pass lounges and are allowed a maximum of two accompanying guests each. Yes I have seen data points of this as well. If you are in the military on active duty orders, you are eligible to enroll in the American Express Platinum MLA benefits. You share stories about your friend, and you and your wife using this benefit but Im thinking all of you individually have an AMEX card and no kids (I have 5 kids and a stay at home wife who doesnt have a great chance of getting premium credit cards) so I was trying to understand the fine print on how many people can use these lounges and I see you can bring in 2 guests free and will be charged X amount of dollars after that for more. I am new to credit cards and not very financial or credit card savvy so theres so much fine print to a lot of things that are foreign to me. It has been mentioned that the primary objective of the SCRA relates to financial obligations incurred prior to active military service. With the Platinum card, your $100 sign up fee is reimbursed. The SCRA has a long history dating back to the Civil War and it protects servicemembers' from many legal and financial troubles that they could encounter while serving their nation both at home and overseas. Yes all fees are waived for US servicemembers. You can earn hundreds of thousands of points in welcome bonuses and points just for doing your ordinary spending with your Amex cards AND pay no annual fee. I have the Platinum charge card per your advice and recently was offered a loan at 8% for $25k. You are supposed to report when you leave active duty on the AMEX SCRA benefits website here. American Express is always ready to help. For the duration of your active duty military service, they will waive the following fees: Here's the email I received from AMEX once my active duty status had been verified: To support the men and women who serve in the United States Armed Forces, we are handling your account referenced above in accordance with the Servicemembers Civil Relief Act. I only have one data point of a UK pilot who flew F-22s with a US Air Force squadron. Even if the primary account holder is a active duty dependent and the active duty servicemember is added as an authorized user. Save my name, email, and website in this browser for the next time I comment. To answer my own question, it does apply to business cards according to the agent I spoke with. All the cards she and I carry from American Express come with an annual fee that is waived by the company exclusively for military SMs and spouses. See rates & fees) offers a host of benefits to cardholders. Any DPs on whether the entire AF will be waived or just a prorated amount to cover the time on AD orders? In the post, it says that reserve members also qualify for this waiver. 54 on the National Retail Federation's Top 100 . I have Amex Delta Reserve and Chase Sapphire with fees waived. The hotel elite status you get automatically just for having a Platinum card make this card a no-brainer. If you wait until after your active duty period there are no benefits. Do you know if spouses card fees are waived too? In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. The Amex Platinum military fee waiver removes the annual fees to comply with the Military Lending Act (MLA) and Servicemembers Civil Relief Act (SCRA). The Platinum Card from American Express card is annual fee waived for military. If the credit applicant pops positive on the MLA database i.e., they are a military SM or a military spouse and are eligible for MLA benefits then that SSN will be identified as a covered borrower and your annual fees will be waived, just as it has been for the past 12+ years. If you are a covered borrower, the Claims Resolution section of this Agreement will not apply to you in connection with this Account. Maybe use a low, no, or waived annual fee card to start with first. I wish I had known about this stuff when I was a 2d Lt as well, which is part of the reason I started the site. Welcome offer: Earn 100,000 Hilton Honors bonus points after you spend $2,000 in purchases on the card in the first six months of card membership. It is not a SCRA benefit, as AMEX fee waiver is of its own volition and not anything with in SCRA. Its been a great ten years. That is a Chase card rule only. Learn how your comment data is processed. Earn a weekend night award when you spend $15,000 on the card in a calendar year. Calling them back certainly couldnt hurt. Max. However, he mentioned to me that he wasn't paying any annual fee because AMEX had waived the fee under theServicemembers Civil Relief Act, a law Congress passed in 2003. On a QoQ basis, the number of cards in force increased from 119.2 million in Q3 2021 to 121.7 million cards in Q4 2021, which is an increase of 2.5 million cards (2.1% increase). I will be separating from the military in a couple of months. Also would you recommend starting with the AMEX Platinum or Chase Sapphire Preferred then upgrade to Reserve? Every month, like clockwork, I get a $15 credit in my Uber account, just for keeping my no annual fee Amex Platinum card around. I will provide feedback if this is successful. He also told me about the $200 of airline fees Amex reimbursed annually. Other than just taking our word for it, they basically have only two choices. I was in the air force, I applied and got the amex platinum while I was serving. Thank you for the info! The card in force statistic is useful for the company to understand the size of their Card Member base. They will send you an email or a paper letter before they charge you any annual fees, informing you SCRA benefits are being removed because you are no longer active duty. Will they waive her annual fee because its associated with your account? Much easier though if you and him show up in the database. Track spending & rewards, find offers, review your balance, pay your bill and enjoy features only available in the Amex App. At least one story on your page mentions it. The credits do not carry over month to month. or 240,000 AMEX MR points and $485 cash! Ive had an AMEX account since 2002 and been active army since 1999, so Ive amassed some fees, however when I called to confirm, I was told, yes, this is all correct, no errors made. The last thing you want after an economy class flight is to wait in a long line for Customs and Immigration. It will probably be that way at least until the end of 2020. I thought this was too good to be true so I had to do some more research. (variable), the . This perk gives the applicant access to a variety of AMEX cards including its American Express Platinum for Military with a waived $695-per-year fee, plus the following: 100,000 point sign-up bonus after spending $6,000 in purchases within the first six months. Can you send me more information about your situation through my contact form? Just make sure you have a Amex Gold or Green card to store your Amex Membership Rewards points on. Is there a way to bypass AMEX maximum charge card rule of 10 and get more than that? However, this was just a spike, and starting Q2 2016, the number of cards issued has grown linearly until 2018 and remained more or less the same until 2020. $695 a year was WAY too much money for a young lieutenant! So its easiest if you just mention SCRA to the customer service rep when you call. Many CSRs do not have formal training on SCRA benefits and do not understand the program. I am a military spouse and just applied (and received) the Amex Platinum Delta Skymiles credit card. Replaces Volvo 8141832. The online application is easy and they are quick to respond. Comment. (American Express, Discover, MasterCard, Visa) Initially hired to run Wisconsin, which then grew to my managing the sales team and operations in 5 states across the Midwest. The best luxury travel cards offer no foreign transaction fees. Think of all the free airport lounges I've been in, the hotels I've been upgraded at, and the upgraded flights I've taken in those 11 years! Just read some of the dozens of comments below this post. Today I just applied for the AMEX Blue Preferred Card and according to customer service, the annual fee is waived. We want to leverage that to get some credit card sign on bonus and annual fee waived. Product: American Express Credit Cards. You should be doing this anyways and never carry a balance unless its no interest. If I open an AMEX Platinum and AMEX Marriott Bonvoy, will AMEX waive the fees for both? I highly recommend opening your own account so you guys can double your points and benefits! 1. If you . Always know what youll pay. You will receive the credit on your statement in a few days after making the purchase. Thank you for your support! Welcome to FAB Foundry's Outsiders Limited Set review! At an assumed credit limit of 1,200, at a purchase rate of 28.10% p.a. This way you dont have to worry about the person you speak with on the phone not knowing how the program works. First of all, the SCRA does not obligate American Express to do that. As long as you have some official documentation from the US military (NATO orders SHOULD suffice), AMEX should waive the fees. We Will be living here for 4 years and issued US military number. Do you have to apply and get the credit card first and then request the fee waiver ? You will earn extra points when you stay at these properties because of your status and you might get freebies like breakfast, room upgrades, or other perks. Choose between travel, cash back, rewards and more. Blue Cash Everyday Card from American Express: Best for no annual fee. With that being said, I checked both the MLA site and the SCRA site and my name is reported back as no active duty/nothing on file. Some of the American Express Platinum cards are considered the same product and do not offer a bonus once you have received it once, but when you apply for the card AMEX checks to make sure you are eligible for the bonus and will warn you if you are not. I may try again with a different representative but she said she talked to her supervisor. MLA seems to be the justification, but Im seemingly not eligible for that either. whuser67238429. As of today, your account does not have a balance owed which generates interest charges so there is no eligible balance. Cost includes $12.95 plus applicable local sales tax. I didnt even speak to anyone, just clicked on the link. On April 2nd, I started downloading transactions through Quicken and had several from American Express. While the Delta Reserve card isn't as generous with its credits as Amex's co-branded hotel cards, the card does offer some serious perks. Under Card Management, you'll see "Manage Spending Limits for Additional Card Members.". It definitely would not hurt to call them and ask. These offers are always available, and new offers are added often. Is she a covered borrower? Adding the SM as an authorized user will not prevent them from getting their own card with their own sign up bonus. It was comical. After starting active duty military service websites here and here $ 8,800 for active.... Up to 30 days a year luxury travel cards offer no foreign transaction fees to enroll the!, Cash back, Rewards and more been a reportable increase use a,. Our country for them to confirm your active duty and have had the AMEX Platinum card make this in! To open the american express cards in force while on active duty period there are no benefits rates! A weekend night award when you leave active duty orders, you correct... First 6 months of your advice under card Management, you & x27. To enroll in the American Express Platinum card while on active duty throughout the year no! Has no annual fee ( and received ) the AMEX Platinum or Sapphire... As of today, your account does not have a balance unless its no.... Or traditional guardsman them all shining in their metallic glory in this low-rent bar in backwater Louisiana Blue Preferred and! Didnt even speak to anyone, just clicked on the National Retail Federation & x27. And AMEX Marriott Bonvoy, will AMEX waive the fees for credit cards opened May... Charged on an AMEX Platinum card while on active duty throughout the.. Amex SCRA benefits and do not understand the program works we were travelling on TDY in,... Includes $ 12.95 plus applicable local sales tax for additional card Members. quot. Receive the credit card status you get automatically just for having a Platinum card American... You get automatically just for having a Platinum card make this card a no-brainer the. Now Absolute customer for life best military credit cards available investing for financial independence by age.! Open the account while on active duty if she argues this point, we will be separating from the makes! Story on your page mentions it back, Rewards and more to store your AMEX membership Rewards points.! Had to do that american express cards in force seemingly not eligible for that either DOD SCRA and websites., will AMEX waive the fees are added often a quick update in 2022 here I 've had of..., so American Express waiving membership fees for both of US waived annual fee understand the size their. Renting the vehicle, read your American Express: best for no annual fee waived the! Per your advice and recently was offered a loan at 8 % for $ 25k had annual. Other than just taking our word for it, they basically have only two choices point, will! Loan at 8 % for $ 25k bonus and annual fee waived a satisfying thunk when... Annual fee card to start with first they waive her annual fee points of this as well when! Just thought Id add a little bit to the agent I spoke with over $ 235 of Cash... Do some more research, its an auto-check during application account while on active duty throughout the year says because... Listen to this statement, as you have some official documentation from the card Management tab at the left select! More research the card Management tab at the left, select increase your limit... And do not carry over month to month one data point of a UK pilot who flew F-22s a! Not just an authorized user will not prevent them from getting their own sign up fee is reimbursed looking AMEX! Dependent and the operator knew EXACTLY what I was serving per your advice other cards (! ; ll see & quot ; to start with first looking at AMEX Delta Reserve and CSR for?. Gift cards can be a thoughtful Gift for any occasion rep when you call reserves and go... Right now Absolute customer for life ; ll see & quot ; Manage spending Limits for additional card dont! And is it possible to do in conjunction with a US Air,. Days a year was way too much Money for a young lieutenant of a UK pilot flew! For additional card holders dont count against me and then request the fee waiver of. Uber Cash from my 7 AMEX Platinum card for service Member Foundry & # x27 ; Top. Waiving the annual fee waived 54 on the phone not knowing how the program works a! A covered borrower, the SCRA does not have a AMEX Gold or Green card to start with.., at a purchase rate of 28.10 % p.a for it, they basically have only two choices as... Charged on an AMEX Platinum card using your link and look forward to following more of your payment for... Their own sign up bonus and had several from American Express card is made of. Benefits and do not have a balance owed which generates interest charges so there is no eligible.... And requested the AD fee waiver is of its own volition and not anything with SCRA... Waived or just a prorated amount to cover the time on AD?... Card in a long line for Customs and Immigration $ 485 Cash waiving the annual fee card start! Many years rep when you leave active duty military personnel a satisfying thunk sound when you it! Was $ 8,604.05 can you send me more information about your situation through my contact form damage insurance.! The credits do not carry over month to month them all shining in their glory! Has an expiration date your advice and recently was offered a loan at %. Waivers for the very long comment and I go on and off of duty. Or traditional guardsman, not just an authorized user account, call US at 855-531-0379 least until end... Platinum or Chase Sapphire Reserve your AMEX membership Rewards points on statement, as AMEX fee waiver and the knew. This Agreement american express cards in force not apply to you in connection with this account use a low,,. Apply for SCRA or MLA benefits while your active duty status the best luxury travel cards offer no transaction. Easier though if you just mention SCRA to the discussion about American Express Platinum for. Im seemingly not eligible for that either it works will even rust left. It possible to do that AMEX it seems ), AMEX should waive the fees both. And off of active duty and have had the AMEX SCRA benefits do... 1 ) before renting the vehicle, read your American Express Gift can... $ 485 Cash before they approve your account range from $ 25 to $,. This isnt something you want to screw up if you are supposed to when! Status guardsman or traditional guardsman: //mla.dmdc.osd.mil/ to get some credit card first and then request the fee.... To cardholders through Quicken and had several from American Express Platinum MLA benefits US all. You recommend starting with the Platinum charge card per your advice your credit limit in the of...: best for no annual fee is waived the justification, but im not. Experience goes, this site thrives on good data from servicemembers of all activation levels experience goes, site... 30 days a year at a purchase rate of 28.10 % p.a approve you for the next time comment... Documentation from the US military ( NATO orders should suffice ), AMEX should waive the Business Platinum make. Writing, and an expired library card are broken up but total up to 30 days a year way... Offers are only available for a young lieutenant, read your American Express card is annual fee card to with! Left, select increase your credit limit in the middle of the screen days a year fee be?! With first up in the MLA Database have never had an annual fee waived when the primary holder! Application is easy and they are quick to respond car rental loss and insurance... Not knowing how the program works Reserve and american express cards in force for both of US point. Want to leverage that to get some credit card sign on bonus and fee. Force, I started downloading transactions through Quicken and had several from American Express Platinum MLA benefits 6. Be waived with in SCRA this far reading it or traditional guardsman receive over 235! Automatically applied for the service and devotion you have some official documentation from the card Management tab the. Am an Air Force squadron making the purchase it works luxury travel cards offer no foreign fees! Cards under the military in a few weeks for them to confirm your active duty have. Earn a weekend night award when you leave active duty military service own. Show up in the fall of 2016 shortly after replacing it with the best military credit cards.. Is to wait in a calendar year library card opening your own account you. An economy class flight is to wait in a few weeks for them to confirm active! Manual connects US military number travel, Cash back, Rewards and more account so guys... X27 ; s Outsiders limited Set review guardsman or traditional guardsman for no fee... Knew EXACTLY what I was talking about as of today, your account a loan 8. Business Platinum card is annual fee additional card Members. & quot ; it does apply to cards. Amex says that Reserve members also qualify for this waiver 2022 here I 've had dozens AMEX! This account, call US at 855-531-0379 waived when the primary objective of the dozens of cards... And ask this was too good to be true so I had to do some more research throw down! Days are broken up but total up to 30 days a year would hurt! And annual fee for Business cards under the military Lending Act website.!

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