Rail Freak
Engineer
What's the difference between the World Card & the Platinum Card?
Thanx
Thanx
AGR Credit Cards
- Thread starter Rail Freak
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Ryan
Court Jester
Near as I can tell, interest rate.
the_traveler
Engineer
Basically that's it. But if you pay the full bill amount, both interest rates are -00-%! 
Rail Freak
Engineer
Thanx Guys!Basically that's it. But if you pay the full bill amount, both interest rates are -00-%!
I haven't received mine yet but happened to notice there was more than one card!
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The World Card will have a higher initial Credit Limit than the Platinum Card in addition to the Lower Interest Rate! Neither have an annual fee either which is great!
Rail Freak
Engineer
Have any idea what the limits might be?
Ryan
Court Jester
It all depends on your credit (which card you get and what the limit is).
I couldn't even tell you what mine is.
I couldn't even tell you what mine is.
Your line of Credit is based on your personal Credit Worthiness and History!
I don't know the Formula but I know the World Card has a Credit Line that is usually Twice that of the Platinum Card!
I know the Longer you have it you do get Upgrades that have Lower Interest Rates (we all agree paying the balance off monthly is the way to go!) And Higher Credit Limits!
Rail Freak
Engineer
I know what my personal limit would be, but just curious!
Thanx
Thanx
amamba
Engineer
I just checked my AGR card and the credit limit is $18,000. It shows up when you log into your account online.
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There's a difference in card benefits between World and Platinum Mastercards. You will have no preset spending limit (NPSL) for the World card, while the Platinum will have a standard credit limit.
As far as AGR is concerned, there's no real difference.
As far as AGR is concerned, there's no real difference.
trainman74
Conductor
Does that only apply to (relatively) new cardmembers? I've had the World card since Chase started offering the AGR cards, and I do have a standard credit limit on it.
Rail Freak
Engineer
What is the Standard??
Ryan
Court Jester
Standard credit limit means the card is declined when you get there.
The "no preset" limit is a little softer.
The "no preset" limit is a little softer.
Rail Freak
Engineer
You lost me! NPSL has no limit at all?
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the_traveler
Engineer
Technically, there is no limit but they approve a charge based on your ability to pay.
As an example, if you make $100 million a year, they would probable approve a "small" charge of $150,000! But if someone who earns $12,000 a year tried for that same purchase, I doubt very much that it would be approved.
As an example, if you make $100 million a year, they would probable approve a "small" charge of $150,000! But if someone who earns $12,000 a year tried for that same purchase, I doubt very much that it would be approved.
Rail Freak
Engineer
I guess $150,000 might work!!!! :hi:
Don't know about the Platinum but, the "silver" on the raised lettering on my (black) World Card wears off very quickly making the card hard to read when ordering online.
William W.
Lead Service Attendant
I don't really see the advantage of an AGR card over a CSP. I guess the big difference is that the CSP has an annual fee (waived for the first year), but there are more earning opportunities with it (2x points on all travel, and dining), and you can also use the points on airlines and hotels. You also get a much larger signup bonus (40,000 vs 12-18,000). To me, the annual fee is worth it for those reasons. If you pair it with a Chase Freedom card, your earning potential is even greater.
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William W.
Lead Service Attendant
To answer that question, Mastercard has multiple service levels. They go in the order of World Elite > World > Platinum. Mastercard's benefits, especially when compared with Visa or Amex (who provide similar services, but tend to offer ones of greater scope and quality. Amex probably has the best perks of the three. Don't even mention Discover...) are nothing to write home about though. It provides things like rental car collision insurance, purchase protection, extended warranties, and trip interruption coverage. I wasn't aware that the World cards don't have a preset spending limit, so that is a plus.
N
Neutralist
Guest
Your AGR points will expire if you stay idle for a year. AGR cardholders don't have that problem.
No, they disappear 36 months after your last paid trip.
neutralist
Service Attendant
Oops! thanks for pointing that out. Well i guess there isn't much use for the card. I wish they have an "preferred" version (with annual fee) where you have automatic AGR select executive status as long as you have the card. Many other airline rewards program cards comes with a standard version and a premier version offering as such.
Ryan
Court Jester
AGR Cardholders also get a 5% rebate on points redemptions.
Ispolkom
Engineer
Which airlines? The American Airlines Executive card and the United Club card give you lounge access, but nothing as far as status. Delta has an expensive card that gives you some elite qualifying miles, but again, no automatic status. Here's a summary for some airlines.
Hilton has credit cards that give you gold status, but I can say from personal experience that often amounts to very little.
The AGR 5% rebate is enough for me to keep the AGR card, even if I rarely charge anything to it. Of course, it doesn't cost me anything to keep the card, and might have some marginal positive effect on my credit rating, due to the long time I've held the card. Chase used to offer targeted special deals (double or triple points for a limited period), but I haven't seen anything like that in ages.
