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Why I downgraded my Platinum AMEX Card?

Getting wisdom is the wisest thing you can do! And whatever else you do, develop good judgment. Proverbs 4:17 NLT version


Transitioning to a full-time entrepreneur who only accepts contracts, I was forced to look at or gently nudged by the Holy Spirit to reevaluate my finances including spending habits, passive income goals, etc.

One of the things I did was downgrade The Platinum Card AMEX to the AMEX Rose Gold Card. Both cards offer no preset spending limits, but the annual fees and some of the perks are different. Truthfully, if you aren’t traveling a lot and The Centurion Lounges aren’t open or available at the airports you’re visiting, you may want to #pray and consider making the switch as well.

I thought about the cons and talked it over with the Holy Spirit. After all, my goal is to always be a part of His goal.

  • I wasn’t traveling as much (my church is in College Park, GA so I would attend in person about twice a month).

  • The #AMEX travel lounges were closed.

  • AMEX increased the annual fee of The #PlatinumCard to $695.

I thought to myself, “Why am I doing this especially when I’ve been blessed to purchase a second home in GA, eliminating the reasons I initially chose this travel card?

What point am I trying to prove?" Qualifying and receiving The Platinum Card AMEX may have started out as excitement, then pride, but gracefully upon reflection, I realized the excitement simmered as pride simultaneously exited stage left. My thoughts couldn't help but roll into..."Forget what people think. What God thinks matters and we're just here for the perks!"

So, I decided to downgrade to the AMEX Rose Gold Card. The AMEX Rose Gold Card’s annual fee is $250. I divided the $250 by 365 days (that’s how my mind works) to see how much it would cost per day and my God, I’m on to something. After doing the math and of course, praying about the switch, I concluded, despite all the perks, I wasn’t fully benefiting from the $695 annual fee card, and the $250 annual fee card better suited my new entrepreneurial daily wants and needs. The restaurants, grocery stores, streaming perks, Uber credits, membership rewards points, The Hotel Collection perks, everyday purchase rewards, etc., the more I talked it over with a very affable AMEX agent and of course, the ever-so-loving Holy Spirit, the downgrade felt more like an upgrade because it was more beneficial for the current me and I am a good steward of the money #God gives me, so, I watch over it very carefully. I aim to always use #money, #ideas, #favor, etc., for His good and nothing else.

What about you?

What do you need to switch up to better glorify God’s purpose in your life and the lives of your loved ones?

QuickTips – If you decide to get an AMEX always include your household annual income. That’s right, include all relative income of all individuals living in your home. Also, if you apply over the phone for a card with a pre-set spending limit, like the AMEX Blue Cash Preferred or the AMEX Express Blue Business Cash (two of my favorite cards), and for some reason you are dissatisfied with the initial pre-set spending limit, you have every right to ask for a credit increase. Last quick tip, sometimes you have to enroll in the benefits. Make sure you're not missing out on all the #benefits or offers simply because you didn't take the time to click a button.

For more ways to show God's glory in your life, check out my debut book -

"It's Okay, Be The MAN, Just Until He Comes".

Remember, there is a GREAT Man living inside of us. Be Him!

Also, in my Christian ejournals, there is a section dedicated to finance. God absolutely cares about everything you do including your financial health. He wants you happy so don't hesitate to talk to Him about anything. Download today!

*Parents, when ordering the Princess, Be The Man ejournal please provide your email and mailing address so your Princess may receive a bonus gift of their choosing. All gifts are subject to availability. Shipping and handling will not apply. Bonus gifts are limited to one bonus gift per eJournal download.

DISCLAIMER: I am not a licensed financial advisor. I help people become more spiritually and financially sound and encourage them to find out the information needed to make their own decisions. This blog post is for educational purposes only and should not be taken as prescriptive direction.


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