What’s next after 3 cards?
Hi all, looking for advice on the best “next move” with my Amex setup.
Over the last couple of years I’ve done the following:
- Started with Amex Gold
- Downgraded before fee
- Took out the BA Premium Plus (BAPP), kept it for ~1 year
- Earned the Companion Voucher, then cancelled BAPP after the year
- Used the Companion Voucher
- Upgraded the free Amex to Platinum, hit the bonus/earned the points
I’m leaning towards cancelling Platinum soon to get some money back via the pro-rata fee refund, unless there’s a smarter play. I’m not sure whether my partner even wants a credit card, but I could potentially refer him and start the whole process again. Do I need to keep my Platinum account open to refer him (so he gets the bonus/points)? If he takes out Gold, I could then close all my Amex accounts.
Posted Mar 2, 2026, 4:15 PM UTC