I currently have a zync card and I really really love the service. I personally believe that it saved me from going down the wrong path. I used to chase for all of my purchases but sometimes found myself not fully paying it off and spending the money that I should not have. I received a pre-approval for zync and realized that I must pay it off and it would still be treated as a credit card on my history. Long story short I have been with amex I'd say for about a year now, maybe longer and have never missed a payment and love their features. Though now I think its time to upgrade.
So I checked my credit score the other day and I am currently at 744. I'm 22 years old so not a ton of credit history but it should be enough. I'm thinking about a gold card. So here are the questions:
- Do you think I should get the gold (i'm told i should just skip green)
- Which one?
- How much do I have to spend to get rewards that offset the fee? (Most of my purchases are at restaurants and supermarkets)
- Do you think I would even be eligible for it?