A few months ago, I had downgraded my business AMEX Plat cards down to Green cards (to save on the annual fee.) I had done this for my mom’s card as well. Fast forward to this past week when I tried to redeem my mom’s MR points. When I logged onto the Membership Rewards site, I saw this banner:
Two variants of the AMEX Biz Green Card
Notice the bottom right corner doesn’t show a balance and tells me to call to enroll. Well, I called and it turned out the rep who downgraded my Platinum card put me on a Business Green Rewards variant that doesn’t accumulate MR. I didn’t even know it existed and even Google couldn’t pull it up. The one way of finding out is to look at the annual fee. If you are on the $75 AF, that means you don’t accumulate MR, whereas the $95 AF does.
I called up AMEX and basically asked “WTF happened to my MR?” After the rep explained the above, he was able to product change me to the MR variant of the card. He then forwarded me to an MR rep who then had to escalate a ticket for my 176K MR points to be reinstated. After 2 business days, the points were reinstated.
When calling to downgrade to the Business Green Rewards card, make sure you tell the rep to put you on the product that earns MR, so that you don’t have to deal with the hassle of being on the phone for an hour with AMEX to get your MR reinstated. Of course you won’t have this problem if you have another card that earns MR on your account.