Posted by Chuck on January 12, 2019
Credit Cards

Published on January 12th, 2019 | by Chuck

275

American Express Mercedes-Benz Platinum Cards Have Now Been Product Changed To Vanilla Platinums

Update January 12th, 2019: The Mercedez-Benz Platinum cards should now be showing up as regular Platinums now.

Update January 8th, 2019: Miles to Memories shares a data point of somebody closing their account and having the Membership Rewards points clawed back. Remember that American Express updated card terms stating “If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with the welcome bonus offer in any way or that you intend to do so (for example, if you applied for one or more cards to obtain a welcome bonus offer(s) that we did not intend for you; if you cancel or downgrade your account within 12 months after acquiring it; or if you cancel or return purchases you made to meet the Threshold Amount), we may not credit the welcome bonus to, we may freeze the welcome bonus credited to, or we may take away the welcome bonus from your account.”

Even though American Express is discontinuing this product I wouldn’t recommend cancelling or downgrading this card before January 11th, 2019 if you’ve had the Mercedes-Benz Platinum card for less than 12 months. If you’ve never had the vanilla Platinum before it might make sense to apply for that card before this card automatically product changes to it on January 11th, 2019.

Update October 4th, 2018Existing cardholders will be changed over to a new card on January 11th, 2019.

  • If you have the Mercedes-Benz Platinum Card, your account will change to the Platinum Card from American Express.
  • If you have a Mercedes-Benz Credit Card, your account will be changed to the Amex Everyday Preferred Credit Card.

If you cancel they will also be give you a prorated annual fee credit, but you must cancel before January 11th. Might be a small play of using the airline credit immediately after January 1st and then cancelling. Personally don’t think it’s worth the risk, but up to you.

Hat tip to ctguy102

Update April 2nd, 2018: There are currently no application links that are working for the Mercedes-Benz Platinum card. If anybody finds a working link please share it with us in the comments below. Hopefully all readers that were interested in the card were able to sign up due to the advance notice given here.

Update March 27th, 2018: The official links on the Mercedes-Benz website have been pulled. This application page is still working, but if you’re interested I’d recommend applying sooner rather than later as links seem to be being pulled. Also a rumor that the card will officially stop taking sign ups on 3/31/18.

Update: Keep in mind the following wording in the offer:

  • This offer is not valid for existing Platinum Card Members from American Express.

Looks like you won’t be able to get the bonus if you’re an existing Platinum cardholder. Update, not being enforced.

Original post: The two American Express Mercedes credit cards will cease to exist in January 2019.

Mercedes-Benz partners with American Express to offer two cobranded credit cards:

  • Amex Platinum Mercedes card which comes with a 60,000 Membership Rewards points signup bonus and a $550 annual fee
  • Amex Mercedes card which comes with 10,000 Membership Rewards points signup bonus and $95 annual fee

Both cards are still available for signup currently, but they have added a note that:

Please note that the American Express and Mercedes Benz Card program will end in January 2019. Applicants can continue to apply for the Platinum Card from American Express exclusively for Mercedes-Benz, but, if approved, the Card will be replaced with a different American Express Card at the time when the Card program ends.

Presumably, the Platinum Mercedes card will be replaced with a standard Platinum card. The basic Mercedes card will probably be replaced with an Amex Green card which also has a $95 annual fee.

Regardless, now is our last chance to signup for these card. It’s possible the application links will remain all the way until the end, or more likely they’ll be pulled at some point before then.

The more interesting of the two cards is the Amex Platinum Mercedes card, one of various Amex Platinum credit cards. Importantly, you can get a separate signup bonus for each card one time. Now is the last time to signup for the card and pocket the 60,000 Membership Rewards points signup bonus. Doubtful we’ll ever see a better signup bonus on this card – it’s been 75k in the past, but probably won’t happen since the card is winding down. Thus, there’s no reason to procrastinate, though it might continue to be available for signup for many months.

Amex Platinum cards come with a hefty $550 fee, but they do come with a $200 airline incidental credit, $200 Uber credit, and $100 Mercedes certificate which somewhat negates the annual fee. If you already have an Amex Platinum card, the other premium card benefits won’t help you much, but it still could be worth getting for the 60k signup bonus if you value these credits to somewhat offset that fee.

The card is a charge card and doesn’t count against your limit-5 Amex credit cards. It’s worth reviewing these Things to Know about American Express Credit Cards before applying.

 Hat tip to Uscreditcardguide



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nonimmigranth1b
nonimmigranth1b

Is there a referral link for this card in any post ?
Would like to apply for the same ?

EthanZ
EthanZ

Maybe worth the risk to wait till end of the year for triple dip airline credit? If I’ve never had the vanilla plat and the MB gets converted, does it prohibits me getting the vanilla plat bonus?

BW
BW

Pretty sure it’s one bonus per lifetime, so even if you have the vanilla Plat thru a replacement, you could close it and then reapply and get the opening bonus. not 100% so hopefully someone can confirm.

Chris
Chris

I don’t think so. Amex terms on their one-in-a-lifetime policy say: “Welcome bonus offer not available to applicants who have or have had this product” NOT applicants who have received a bonus in the past

RAM

There are two terms to consider:
1) “Welcome bonus offer not available to applicants who have or have had this product.”
2) if you cancel or downgrade your account within 12 months after acquiring it; or if you cancel or return purchases you made to meet the Threshold Amount), we may not credit Membership Rewards points to, we may freeze Membership Rewards points credited to, or we may take away Membership Rewards points from your account. We may also cancel this Card account and other Card accounts you may have with us.

____________
So if you want to play it safe, you need to keep the card open for 12 months + 1 day.
My strategy is to get this card soon, then get the vanilla card in December.

Superchurn
Superchurn

or just close out the MB before Amex PC’s it, problem solved

VL
VL

As @RAM above just stated, closing a card you got a bonus on before 12 months is a way to get audited by RAT. You need to close after 12 months and 1 day (after the opening date) and before 12 months and 30 days (after the day next AF posts) to avoid next year AF.
– Keep in mind that Amex does not pro-rate AFs, so if you wait longer you will pay the AF in full.

Although, since they are product changing you that could be a good reason why you are closing this account… but even if it is, I would not look forward to explaining this to RAT representative.

Good luck.

hawaiidreaming
hawaiidreaming

I sure do love the triple dip. We have done a lot of platinum applications in december. Thanks amex!

bo knows
bo knows

it will go away soon….this forum is closely being monitored by Amex team.

RAM

not that it is going to change the decision, but any ideas if it is going to be produced changed at the end or beginning of January? That’s important to get the airline airline credit twice, before forcefully losing the chance of getting a sign up bonus on platinum,

Abelian Grape
Abelian Grape

On a related note, I was wondering if one should wait until December 2018 to apply, for the triple dip. That may be too risky. (I’m guessing they PC it to the personal Platinum, so one wouldn’t lose out on the airline credit.)

Jack
Jack

Could be risky if Jan 19 really means 12/31/2018 or they don’t give you a chance to use those credits before conversion.

RAM

I asked an Amex agent through portal, if Jan means Jan 1, 2019 or Jan 31 2019. They said they Mercedes-Benz needs to come up with more details, and they will let us know when they know it.

CM

I recall seeing some folks complaining that they’ve been told by AmEx that they were no longer eligible for the vanilla AmEx Plat because holding one of these variants. I know that’s not the official policy, but how often does that happen?

What’s the advice here if I’ve never had any AmEx charge cards before? Is it safe to start from this one, or would it preclude me from getting the bonus on vanilla?

Also, if this means I’d have get vanilla before conversion in ~9 months, would it be possible to cancel this one in December or January, to avoid the PC, and get the annual fee refunded/prorated? Because else, it’s probably not that good of a deal to sign up for this if it means you’ll be foregoing the vanilla Plat.

I’m thinking of PC’ing my CSR to get my fee back, so, I’m actually in the market for a fee-neutral PriorityPass membership.

William Charles

but how often does that happen? Not often, it’s usually when amex are trying to deny the bonus for any reason they can find (e.g when you’ve applied from a leaked link).

VL
VL

1. Amex does not pro-rate AFs (after 30 days the AF is posted it is fully earned). Pls correct me if I am wrong.
2. If you close new Amex account where you got a bonus within 12 months, it is a reason for them to audit your account and take away the bonus. See most recent T&C (updated last year).

So, if you are going for this card and planing to avoid a conversion to vanilla, you may get audited. If you will wait full 12 months + 1 day, you will be converted to vanilla, and will loose a chance of vanilla bonus (unless you already had one).

The way I see the picture, it is a good option for people who had vanilla before (but do not have it now), and have not had this card.

… or apply to vanilla Platinum with the bonus before this one product changes… may be then you can get vanilla bonus too.

Good luck.

Jack
Jack

i have the amex personal plat that renews in september. should i apply now for the mercedes amex and then cancel it in jan?

RAM

why cancel the vanilla one? except if it is an old account you want to keep open, better off to cancel the old one, keep the new one and let it product change

Jack
Jack

Cancel the vanilla one now after getting the MB or closer to renewal? I opened it in Sept/Oct of last year.

RAM

I would cancel 366 days after approval, use uber credits and not risk being chased by RAT

Credit
Credit

Yeah. What if you already have a amex play?

Can You get/ have two amex plat?

William Charles

Yes you can have both

Johnsmh
Johnsmh

Any OGs unamused lol, I have had every worthwhile card and theres no real sign up bonuses left for me to take 🙁

William Charles

Dig harder, plenty of opportunities still

Andy
Andy

I think the regular card is a credit card not a charge card. So this may influence some folks in applying or not given the card charge limit. Also,because of this, I’d guess that the conversion would be to an everyday preferred card, not the green card. What do others think? Thank you

CM

The regular one has a $95 fee, not waived first year, and the bonus is only 10k MR. Even if you have your annual fee waived for military, that’s still a pretty mediocre bonus for having an extra account on your personal report, IMHO.

AC
AC

Will the card that this card converts to at a later date cause us to lose out on the sign up bonus for that card? Probably a hard question to answer… Thanks

Joe
Joe

I’m assuming so

Prerna
Prerna

Which card is Vanilla Platinum by Amex?

Matthew
Matthew

The Amex Platinum Card, a.k.a. the plain ol’ regular Amex Platinum and not one of its cobranded variants.

Joe
Joe

Can I get this card within the next month and cancel it in December without them throwing a hissy fit and retracting my 60k MR bonus

Avi
Avi

Why not triple dip by keeping till next year?

KG
KG

How exactly does this triple dip work?

Jon
Jon

I already have the Personal Platinum Card. Does anyone know if you can get double the Uber credits to one account or would you apply the account to a different uber account?

Mark
Mark

I currently have three Amex Platinum cards, all putting credits into the same Uber account — $45 per month.

Jason
Jason

What happens when the cobrand one is converted to a personal plat? Does amex allow multiple of same product on account as a result of forced PC?

Steven
Steven

AMEX usually doesn’t care about duplicate cards. I have 2 BB+.

David
David

If this converts Jan 1 to a diff card then we can only get the $200 airline credit once… if it converts later in Jan then we have a shot at the double dip.

David
David

Might be a stupid question… but should I shoot for both of these knowing they will end and AMEX lives by the “once per lifetime” rule? I was originally just going to do the platinum, but now I got myself thinking I might as well do the other for another 10k as well.

Amex Platypus
Amex Platypus

“Amex Mercedes card which comes with 10,000 Membership Rewards points signup bonus and $95 annual fee”

$95 for 10k points is not a good deal to me, roughly break even.

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