g35x955 wrote:credit karma gives me two scores of 723 and 742.
Always consider the scoring model & CRA and the relevance of a combo to a creditor. AmEx does not use either of those scores so they are not relevant. You cannot use a score generated by one model to determine a score generated by a different model. The CK scores are only relevant to creditors that use them.
g35x955 wrote:Im sort of new at this whole credit thing and just want to know what you guys think my approval odds are.
No idea. I'm not an AmEx underwriter. You can Google and refer to the Credit Pulls Database and then pull the relevant scores but keep in mind that it's never just about score.
g35x955 wrote:Either the everyday card or blue cash.
Which Everday? Which Blue Cash? Make sure you're running the numbers for your spend to determine the rewards you stand to earn and consider total cost/benefit and not just AF/no AF. For rewards programs like Membership Rewards on the Everyday cards, make sure you're also looking at the redemption options you can leverage as they will have an impact on point value.
g35x955 wrote:I work off the books so I have no work to show for it even though I am financially stable.
Keep in mind that AmEx uses the 4506-T for income verification. If you run into it your prior years of tax returns will need to support the income you stated.