Credit Cards

[Amex] The Choice Card

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  • Feb 16th, 2021 11:11 am
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Deal Addict
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Jun 28, 2005
3209 posts
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F3el96 wrote: https://www.americanexpress.com/ca/en/c ... ChoiceCard

Looks like this no annual fee card was launched today.

Welcome bonus: 10,000 Membership Rewards points when you spend $1,000 in the first three months.
Not sure why you would choose this card over Amex SimplyCash. Seems to me benefits are not as good as that one for a no-annual fee card.
Deal Addict
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Jan 16, 2007
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I too was wondering about that, it seems as though the SimplyCash would be better. Do the MR points yield a greater value than the 1.25% cashback?
🏦 Banking: Alterna Bank (1.1%, No fees), Motive Financial (1.25%, No fees)
📈 Investing: Scotia iTRADE (XGRO, No fees)
💳 Spending: Scotia Amex Gold (5pts dine/3pts drive, forex), Amex SCP (2%, rest), Brim World Mastercard (1.5%, non-Amex spend)
Deal Addict
Jul 26, 2018
1415 posts
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Canada, eh?
joshnet wrote: I too was wondering about that, it seems as though the SimplyCash would be better. Do the MR points yield a greater value than the 1.25% cashback?
Not really. So I really don't see the point of this card?

(Eligible travel purchases: 1,000 points = $10 statement credit. All other eligible purchases: 1,000 points = $7 statement credit).
Deal Fanatic
Dec 5, 2006
9553 posts
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Markham
agent86 wrote: Not sure why you would choose this card over Amex SimplyCash. Seems to me benefits are not as good as that one for a no-annual fee card.
Might be for the people who are not qualified for SCP but want an amex?

After shut down people, gonna find a way to grow
Deal Addict
Feb 4, 2019
1671 posts
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BC
A no-fee card to park MR points and maintain long-term history is great. I wonder if Amex will allow downgrades to this card from Gold or Platinum. I know they've let some people downgrade from Plat to Gold.
Deal Addict
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Jan 4, 2011
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Montreal
rhw123 wrote: A no-fee card to park MR points and maintain long-term history is great. I wonder if Amex will allow downgrades to this card from Gold or Platinum. I know they've let some people downgrade from Plat to Gold.
As far as I can tell, the card earns MR Choice (as opposed to MR or MR-S), which is a lower tier than MR-S, so you can't really park MR (or even MR-S) points.

https://www.americanexpress.com/en-ca/r ... geid=en_ca

EDIT: Looks like it earns MR-S, not MR Choice points
Newbie
Jan 29, 2013
98 posts
52 upvotes
Is this really a new card? I swear this has been around forever...

For example, the Choice Card was referenced here months ago. As well, I don't see any relevant news releases. I wonder if some blog is trying to generate a few cheap views by highlighting this "new" card...
Jr. Member
May 16, 2008
110 posts
50 upvotes
The real question here that noone has asked: which cards can refer to it?
Jr. Member
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Apr 18, 2004
167 posts
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AJchang wrote: Is this really a new card? I swear this has been around forever...

For example, the Choice Card was referenced here months ago. As well, I don't see any relevant news releases. I wonder if some blog is trying to generate a few cheap views by highlighting this "new" card...
I believe it will be officially announced in the coming days and then be covered on blogs other than mine.. It only came up today on Amex's site for new applications and looks to be a new version of the Choice card(s) from many many years ago.
Deal Addict
Feb 4, 2019
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BC
If the points can be transferred to Marriott (and through Marriott, to a large number of FF programs) I can see it being useful as a no-fee keeper card that will allow me to generate some activity (and avoid expiration) in some of the less accessible FF programs while not holding any other MR(-S)-earning Amex cards.
Member
Feb 12, 2020
264 posts
385 upvotes
For the folks that have not been amexiled and have no AMEX cards, I guess it's a card you can get AMEX offers on? I doubt that this card qualifies for many good offers but considering the data points on folks not getting offers on their platinum and stuff it'd be unsurprising if this card got offers from time to time.

I could use this card for the amazon credit and shop small credit from year to year.

Did the SC card get Amex offers?
Deal Guru
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Jan 9, 2011
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Vancouver
AJchang wrote: Is this really a new card? I swear this has been around forever...

For example, the Choice Card was referenced here months ago. As well, I don't see any relevant news releases. I wonder if some blog is trying to generate a few cheap views by highlighting this "new" card...
Yes the Choice card was introduced 8 years ago, applications were open for a few years until Simply Cash was introduced. Choice was then grandfathered. It was always a garbage card; I’m very surprised to see that applications for it are open again.


Used to be 1MR per dollar at 5 merchants of your choice, and 0.5MR elsewhere. Now it’s 1/$1 everywhere.

Original thread: new-american-express-cards-choice-choice-plus-1252991/
Newbie
Feb 18, 2018
23 posts
14 upvotes
I suppose it would be a placeholder option for someone who has a MR-S balance from the Cobalt Card but no longer wants to pay the (monthly) fee.
Deal Fanatic
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Aug 24, 2016
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The Prairies
themob34 wrote: The real question here that noone has asked: which cards can refer to it?
The real question is, who the hell would want to be referred to it.
Sr. Member
Feb 17, 2015
976 posts
357 upvotes
Windsor, ON
They seem to be sticking to the points system which makes it look like you are getting 1% back when in reality it is 0.7% sadly, reason I cancelled cobalt flat cashback will always yield highest returns to those not traveling those that do travel will see highest value when redeeming for flights

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