Dark_Adonis wrote:Just applied for the Amex PRG card and guess what... I WAS APPROVED!!! spend $1000 in 3 months and get that 50K bonus
I had to speak to a service rep and confirm my ability to pay off the card, but in the end he approved my app.
Congrats! MR points are definitely a bit unusual, so take your time in looking for the best way to use them. Transferring points to airlines sometimes gives a great value, and sometimes give a bad value. I used half of my 50k MR bonus to get some new clothes. The other half I saved and might use for travel.
I am surprised that you can get a $10k EDP but not a charge card. That is unusual. There are a lot of people here with a credit history of 6-9 months who get mailed prescreened invitations to apply for charge cards (with special bonuses). So if Amex wants to reserve their charge cards for people with a long credit history, it's not translating into their marketing efforts.
You are right that the Delta Gold is not hard to get. I spoke too broadly when I said charge cards were easier to get than credit cards - Amex charge cards are easier to get than most
Amex credit cards - Delta Gold is the main exception. The EveryDay cards are a little tougher to get, but I'm not surprised that you could get one when you already had a year of history with Amex. Congrats on that!
Of course, two people with a similar history and incomes can apply for the same card on the same day and get different results. Others can chime in here, but I think it is simply unusual that you haven't been able to get a charge card with Amex.
Edit: Both Amex charge and credit cards are normally attainable with a perfectly clean history of 6-12 months. Neither category could be considered uber-prime.