Vandalized2 wrote:Well I may try that in a few months and if i get two hard hits i will complain to you. I am kidding obviously but I will try it out and see how that goes
Apply for the BCE first. If you get declined, then go for the charge card of your choice. Despite the sentimental value the Green had for me (my father had it, it was my first American Express card, etc.), I found it to be worthless and tossed it when the annual fee was coming up. If you're a big spender, especially if you're running the majority of your charges through one card, charge cards have their value, but I was concerned it would be declined at the wrong time. I used it when I took a woman to a restaurant twice, and thankfully the charges went through, but after reading some of the American Express horror stories online, I wouldn't do that again. It's a pretty card, though. I also love the way how charges are more descriptive than with other issuers, but I get that on my BCE, too.
432521 wrote:I chose the BCE because i refuse to pay an annual fee on any card.
Keeping your spending habits in mind, Vandalized2, since the annual fee for the BCP is waived the first year, you can apply for the BCP, reap the benefits of a bigger sign up bonus and higher cash back percentages, then downgrade if you find the BCE would better suit your needs.