Boomer3811 wrote:I really don't like how AmEx makes it incredibly hard to figure out which cards you would be approved for before applying and putting that hard inquiry on your credit.
No creditor will tell you what you would be approved for. You have to apply to find out. However, you can learn about the factors used in assessing and scoring credit and review your own reports.
Besides, underwriting criteria for all of their charge cards aside from the Centurion are the same. It's just a matter of selecting the charge card that suits you best looking at benefits, rewards, AF, etc.
Once you've established membership typically future card apps only result in a hard pull if approved and soft if denied. That said, it's YMMV and some existing members have had hard pulls for denials.
Boomer3811 wrote:I've read and heard that the Platinum card has the best benefits but a lofty annual fee. I fly maybe 2 times a year but my job requires me to drive quite a bit and stay in hotels throughout the state (Oklahoma). I figured the Gold Premiere was the perfect fit with Gas and Groceries but should I have gone for the platinum? And if its needed to be known I make over 70k with side investments that contribute to my income as well.
Best is always highly subjective regardless of topic. You have to review the features and benefits of the two and determine which is best for you just as you would with any card. It's not a one-size-fits-all matter. Some find the benefits of the Platinum worthwhile, some do not. If you want the benefits of the Platinum and they trump the rewards earn rate on the PRG then the Platinum might have been a better fit. If the rewards earn rate on the PRG trumps the Platinum travel benefits for you then the PRG is the better fit. Some even find both to be useful given the differences in the cards. Again, you have to determine which options works best for you. I don't find either useful myself.