How do I get the Amex Rose Gold card?

There has been an American Express Business Platinum card metal card since March 30, 2017. So, if you’re opening a new American Express Business Platinum card account, you’ll automatically be issued a metal card. But if you already have a plastic card from before the switch, you can still switch to metal. There’s no fee for ordering an Amex Business Platinum metal card, and it should arrive within 3 business days.… read full answer

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1. Log in to your Amex Business Platinum Account.
2. Go to “Card Management” and select “Order Replacement Card.”
3. “Request Metal Card” will be one of your options.

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1. Call customer service at (800) 492-4344
2. When the automated system asks what you would like to do, say “order a new metal card.”
3. When prompted, enter your account number. From there, the automated system will guide you through the replacement process.

You should get your new metal card within three business days. Till then, you can keep using your current plastic card.

By the way, a new metal American Express Business Platinum card isn’t the only change Amex announced in March 2017. Other new features include 5 points per dollar on flights and hotels booked with Amex Travel, access to more airport lounges, and complimentary cards for up to 99 authorized users. Those extra cards include the Business Green Rewards Card from American Express, though, not the American Express Business Platinum card. So, the perks aren’t as good.

No, the American Express Platinum card doesn’t have any preset credit limit. That does not give cardholders unlimited purchasing power. It means American Express won’t give you a specific credit limit once you’re approved for the card. Rather, they calculate your purchasing power based on how much you spend on the card as well as your income, any debt you carry, and your overall creditworthiness.… read full answer

While “no preset limit” can sound enticing, it can actually be quite dangerous. Credit utilization is a major factor in how your credit score is calculated. Essentially, “credit utilization” refers to how much of your credit limit you’re using each month. The less you use up, the better it is for your credit score. However, cards that have no preset limit make it extremely difficult to determine your credit utilization. They have the potential to hurt your credit score as a result.

You also have to consider things in even more practical terms. If you don’t know what your credit limit is, you won’t know when you’re approaching it. That could leave you in a tough spot in an emergency situation and make it difficult to buy high priced items with confidence. Thankfully, many cardholders have reported getting emails or calls from Amex early on, saying they were approaching their spending threshold and would need to make a payment before being allowed to make any more purchases.

The best thing to do when trying to figure out how much you can spend on your American Express Platinum card is to start small and gradually increase your spending over time. You will have to pay your balance in full every month, anyway, since the American Express Platinum card is a charge card. Many cards offering “no preset limit” are charge cards.