1. Remember how we discussed that you should turn off American Express’s Pay-Over-Time feature, because reportedly having it on can use up one of your five total credit card slots with AmEx, and you won’t get bonuses for enabling it if it’s already on? There’s a new rub:

The American Express Green card seems to be counted as a charge card according to multiple threads in private forums and this thread at Reddit. So, if you want five AmEx credit cards, either ditch that Green or upgrade it to a Gold which isn’t counted as a credit card, but rather a charge card. I personally wouldn’t mind having another 3-4 Gold cards, they’re no-brainer value cards for me.

2. It’s time to liquidate your AmEx Business Platinum Dell credits, just make sure you’ve enrolled for the benefit at the American Express website’s “Benefits” tab before you buy. The vitals:

  • Dell Home is 10x at Rakuten as of this writing, though Rakuten punked me twice on Monday, so who knows how long it’ll stick around
  • You can use the code GAME10 for 10% off of Xbox gift cards (the smaller the denomination, the faster it sells if you’re selling yourself, or liquidate with trusted gift card outlet immediately for 80-82%)
  • You’ll earn 3% in Dell rewards on this purchase to use in the second half of the year for liquidating more AmEx credits
  • American Express is really good at quick statement credits from Dell, and Business Platinum cards earn $100 Jan-Jun, and another $100 Jul-Dec each year

From my internal monologue: How did this week turn into an American Express / Rakuten week?

A picture of a comic brain with a thought bubble that contains "..." on a pink background.
Internal monologue loading.