sticf wrote:Since you asked:
If that is your total net (or even gross) income, I would avoid anything that had an annual fee. I do not know what is in your wallet but if you have a major CC (MC, Visa, Amex or Discover), I would apply for another CC from another network.
If you just want an Amex:
I know some of the younger people in my company have Amex Clear. I do not know the requirements for the Clear card, but I cannot see it as being that high after seeing in in some people's wallet. This way even when you get better cards (higher limits, better rewards, etc), you can leave the Clear open w/out annual fees. (To be honest: I am mentioning Clear because it seems to be in younger people's wallets.)
I fully agree with this.