Green or Blue?

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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vampireszombies
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Green or Blue?

Postby vampireszombies » Tue Mar 19, 2013 8:44 am

I always wanted an American Express card, so I was pretty excited when I received an 'invite' application in the mail for a Green card.

But I noticed that the green card has an annual fee plus its not a regular credit card, So I looked at the other cards offered and the Blue Cash Everyday card looks appealing too.

Which one do you think I should get, and which do you think I have more of a shot at?
Since I got an application through the mail for a Green card am I more likely to be approved for that more than the BCE?

I've had a Discover card for about 6-7 mths, a Sams Club credit for about 5 mths, and just got a Citi ThankYou card last month. My score has been about 680 throughout all those.


ncosky290
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Postby ncosky290 » Tue Mar 19, 2013 12:19 pm

vampireszombies wrote:I always wanted an American Express card, so I was pretty excited when I received an 'invite' application in the mail for a Green card.

But I noticed that the green card has an annual fee plus its not a regular credit card, So I looked at the other cards offered and the Blue Cash Everyday card looks appealing too.

Which one do you think I should get, and which do you think I have more of a shot at?
Since I got an application through the mail for a Green card am I more likely to be approved for that more than the BCE?

I've had a Discover card for about 6-7 mths, a Sams Club credit for about 5 mths, and just got a Citi ThankYou card last month. My score has been about 680 throughout all those.


The Green is a Charge card and the BCE is a credit card. I don't like charge cards as sometimes I don't PIF monthly. It's up to you what you plan on doing. If you want to carry a balance then the green won't work at all...

Nick*
-AMERICAN EXPRESS DELTA GOLD SKYMILES - AMERICAN EXPRESS EVERYDAY -AMERICAN EXPRESS PLATINUM - CITI DOUBLE CASH - CITI PLATINUM AADVANTAGE - CITI THANK YOU PREFERRED - BARCLAYCARD ARRIVAL PLUS - DISCOVER IT - CHASE SAPPHIRE PREFERRED-

Moneytalks
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Postby Moneytalks » Tue Mar 19, 2013 3:14 pm

Well, the Green card's annual fee doesn't start until your 1 yr. anniversary, so try it out, if you like it, keep it, and if not, cancel and go with the Blue Cash. Amex is Amex, so either card is a good choice haha! Keep us posted with your decision.
Wallet: Amex BCE & Chase Freedom. (Credit Card dieting since 2014)

MB131174
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Postby MB131174 » Tue Mar 19, 2013 5:42 pm

I'd say based on the number of recent new accounts & the below 700 score, go for the Green. The charge cards have a higher chance at approval than the revolvers. After you've had it for say 10 months, apply for the BCE then cancel the Green before the AF kicks in. Just my two centavos worth.
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vampireszombies
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Postby vampireszombies » Tue Mar 19, 2013 6:08 pm

MB131174 wrote:I'd say based on the number of recent new accounts & the below 700 score, go for the Green. The charge cards have a higher chance at approval than the revolvers. After you've had it for say 10 months, apply for the BCE then cancel the Green before the AF kicks in. Just my two centavos worth.


Thanks, that sounds like a good plan. Is it fairly easy to cancel a card? I never cancelled one before.

Also should I wait a few months before applying for another and having my credit pulled or will it not matter?

AMEXPlatino86
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Postby AMEXPlatino86 » Tue Mar 19, 2013 6:32 pm

I agree with them. +1 ˆˆˆ
Wells Fargo Platinum 2.100 (5/2011-cld 7/12/14)
AmEx Platinum (6/12)
Barclays Apple (6/12)
AMEX Gold Delta (5/13)
Marriott Rewards (7/14)

My credit score :cool:
EQ: unknown
EX: 762
TU: 752

vampireszombies
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Postby vampireszombies » Tue Mar 19, 2013 6:45 pm

Should I apply now before the invitation application expires or wait a couple months?

vampireszombies
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Postby vampireszombies » Tue Mar 19, 2013 6:46 pm

Also, why does a moderator have to approve everything I do? It took me 2 days just to create this thread...

ivotedale
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Postby ivotedale » Tue Mar 19, 2013 11:45 pm

What's your plan as far as spending?

I had the Green for about a year; should have my AF refunded soon. I used it for the sign-up bonus (10,000+ pts, 1st yr free), and to use for frequent flier mile transfers. I didn't use it much beyond the half-year point.

I would say, based on my limited traveling last year, that the green is a good bet if you absolutely know you're going to use it for travel, point transfers, etc. Otherwise, if you're not a heavy-ish spender/not a big traveler, the $95 annual fee won't be working hard for you. You might find some other cashback cards more useful. Chase Freedom gives the option of straight cashback, gift cards, and/or travel, most times at a 1:1 redemption ratio. Moreso if you have a card like Chase Sapphire Preferred. But I digress, back to Amex!

As others have mentioned, the Green is most likely easier to obtain as opposed to a revolver. If you really decide on a revolver, it might be a smart move to get the charge card first, then move on to a BCE or similar.

I personally wouldn't benefit from the BCE if I had it, since I don't have a car (gas)/don't shop at merchant's under "groceries" merchant code. If I need the 1% cashback I reach for my freedom.

As with every card however, it really depends on your spending habits and what benefits YOU most; although it never hurts to obtain and own an Amex in general.
Currently: American Express Blue Sky, American Express Zync, Chase Freedom Visa, Capital One Newcomers--->converted to Capital One Quicksilver Mastercard NO AF



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