Going to PC to RC soon, wondering if I should apply for an Amex Brilliant before | SpinGraph: None
SpinGraph analysis of Reddit r/CreditCards's Going to PC to RC soon, wondering if I should apply for an Amex Brilliant before story: none, none, Spin Score 5%,…
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Going to PC to RC soon, wondering if I should apply for an Amex Brilliant before
Amex Brilliant, free night certificate, product change, Chase Sapphire Reserve, Bonvoy Platinum
User plans a credit card product change (PC to RC) from Chase Bold to Sapphire Reserve in coming months. Evaluating whether adding the Amex Brilliant Card would enhance travel perks—especially free night certificates (FNC), Bonvoy Platinum status, and restaurant credit. Uncertainty remains about practical utility (e.g., FNC viability in NYC, Dunkin card load eligibility for restaurant credit, Bonvoy tier value).
Emphasizes subjective utility and perceived value of benefits; minimizes risk factors like fees, credit impact, or policy ambiguity. No attempt to persuade, obscure, or elevate beyond individual use case.
First-person experiential query — positions the subject as a savvy but uncertain traveler navigating complex rewards ecosystems.
A Reddit user considers applying for the Amex Brilliant Card before switching from the Chase Bold to the Sapphire Reserve to maximize free night certificates and dining credits.
Issuer terms and conditions for restaurant credit eligibility; Actual out-of-pocket cost analysis (fees vs. benefit redemption); Credit bureau impact of new application timing relative to PC/RC
The story redirects attention toward process, intent, scale, mission, or future benefits instead of unresolved concerns. The distribution reads as peer discussion. A pressure point: Issuer terms and conditions for restaurant credit eligibility.
Loading money on a Dunkin card will count as the restaurant credit on months where I don’t do a restaurant spend.
will loading money on a Dunkin card count as the credit on months w
Extracted statistics from the source narrative
Amex Brilliant sign-up bonus redeemable for one free night at select Marriott Bonvoy hotels.