I'm an 18 year old (just turned 18 this 2014) college student (Junior).
My experian credit score is 702.
My credit karma score is 662.
I currently have a student loan which started last August which is only $3500. (9 months).
I have 1 credit card which has a cl of $1000. (5 months).
My average credit card purchases per week is $150-200. But I pay it at the end of each week so my credit utilization wouldn't be high.
Before my bank statement closes, I usually leave a balance of $45-50 so that when the bank reports my credit utilization, it would be under 10%. Then after the statement date closes, I quickly pay for the remaining balance so that by the end of the month it'll be $0, so my reported credit utilization would be under 10%. I've never missed any payments too.
I have 3 inquiries: car inquiry (approved, but I declined since the downpayment was too high); apartment inquiry (approved, and accepted); and credit card inquiry (declined; I applied for an amex credit card application but was declined because I had no credit card during that time only a loan of 4 months old)––I was pretty stupid to think I'll be approved with a thin file.
I have a job which pays weekly and my hourly pay is $13. For this summer, I work 7 days for 7 hours per day. But during school (spring and fall semester) I work for only 2 days.
I was thinking of getting an AMEX card (either Amex EveryDaySM Credit Card or Blue Cash EverydayÂ® Card from American Express) because of the rewards.
Especially during this summer, I'll be spending a lot since I'll be going to conventions and traveling, but I only have 1 credit card. I don't want to go over my utilization so I want the charges to be split into two different cards.
I am pretty much responsible with my finances because I only spend the money I know I can pay for. (I usually put the money to pay my credit card away so that I don't get to spend it).
Which card does any of you think I'll get approved?
To quote Simon Cowell "...if I'm being honest here...", from the looks of things your file is still a bit thin. The EX score you quoted, was that from their site, or is that a FICO score. Only FICO will SAY FICO. Pay no attention to the CreditKarma score, it is for "educational purposes" only and has minimal benefit in the credit world.
Aim a bit lower for other cards from other issuers. Trying to predict whether one will get a specific card is, for all intents and purposes, highly unlikely for anyone to do with any accuracy. Anecdotally, AMEX likes to see a thicker file, a longer credit history, and 1 other card with at least a $5K limit. Again, this is anecdotal, and with all things credit, YMMV. However, you've already been declined once; your file is not substantially thicker from ~6 months ago.
You may have more success with other issuers.