Tracking AmEx Primary & Supplementary Credit Card Transactions?

5impl5abi

I have two American Express credit cards (primary & supplementary) and would like to track the respective transactions separately. Why? 1) keeps the Bill & Subscriptions tied to the right card. 2) Filter transactions by card so they can be easily reviewed/updated.

Today, transactions from the respective cards show up separately while pending, and then are moved over to the primary account once settled. Why?

I'm fine with the balance due being tied to the primary card, all good. That's how Mint treats the supplementary account. However, not being able to see the respective transactions with he supplementary card is a big drawback for me, and I'm sure other folks would agree.

Coach Natalie

Hello @5impl5abi,

Thank you for taking the time to post your inquiry to the Community!

To clarify, do you receive one statement for both cards, or a separate statement for each of the cards? If you only receive one statement for both cards, it sounds like American Express is treating them as one 'account', which means that the transactions would only be able to download to one account in Simplifi.

Please let me know so I can best assist!

-Coach Natalie

Coach Natalie

Hello @5impl5abi,

Thanks for confirming!

Since you receive one statement for both of the cards, there's not a whole lot that we can do from our end to separate the accounts, unfortunately. You may consider contacting American Express directly to see if there's anything that can be done from their end to separate the accounts for transaction downloading purposes. Otherwise, you do also have the option of tracking the accounts manually -- I know that's not ideal, but I did want to at least mention it. 

You may also consider creating an Idea post with some suggestions on how this type of situation can be improved so that we can see how many Users are being impacted by these instances and would like to see some changes. I'm not sure what exactly we would be able to do from our end on this, but an Idea post would definitely be a great place to start.

https://community.simplifimoney.com/discussion/998/creating-and-voting-for-ideas-in-the-community

-Coach Natalie

5impl5abi

Yes, one account with two distinct primary and supplementary cards with unique numbers. Yes, we receive only one account statement and one monthly bill. 

Here's the thing, AmEx separates out the transactions by the respective cards, both online and on the monthly statement. Mint separates out the transactions by the respective cards. However, Simplifi is combining them. That's not cool and not expected behavior. We have two cards and want to track spending by card/user.

Agile User Story: As an AmEx credit card account user, I expect the primary and supplementary credit card transactions to be associated to the respective credit card (and not be combined within the Simplifi interface). 

5impl5abi

I'm bummed to learn that combing transactions from two separate AmEx cards, and listing them as if they took place on the primary card after they've cleared is by design.

As I'm considering switching from Mint to Simplifi, this is one confirmed drawback in features and user experience (UX).