Have 766 FICO score, which Amex should I go for?

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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Hiban
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Have 766 FICO score, which Amex should I go for?

Postby Hiban » Wed Apr 17, 2013 12:08 am

Hi guys!

For the past 6 months, I've been getting all sorts of per-selected offers from Amex!
Green, Gold, Blue and and occasional Gold Premier Reward...

My question is, which is better? The Gold Reward one or the Blue Cash? And Should I go for it or not?

Below are my "stats". Any help is appreciated!

I applied for an AMEX around 2 years ago but I had almost no credit history at the time.

Right now I have:
- 766 Fico Score
- 737 Equifax score
- 744 Experian score
- 752 TransUnion

- My income is ~60k/Year

- Credit history: 2.7 years
-- Chase Freedom: $2500
-- Citi ThankYou: $2500
-- Capital One Platinum: $750 (yYup!)


Hiban
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Postby Hiban » Thu Apr 18, 2013 5:12 pm

Never mind - I think I will go for either Blue Cash Everyday or the Blue Cash Preferred.
I'm tempted to get the Preferred version because of my grocery and gas expenses.

Bobzig
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Postby Bobzig » Fri Apr 19, 2013 3:19 am

Green, Gold, and PRG (premier rewardd gold) are all charge cards. You will easily be approved for any one.

The Blue is a revolver.

I would suggest doing more research about the cards on the AMEX site and get familiar with what each card is and which would best be suitable for you.

Good Luck.
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tigerowl06
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Postby tigerowl06 » Fri Apr 19, 2013 12:01 pm

The offers CC companies send are usually for cards that are a better deal for them. For nearly everyone, the Blue Cash Everyday or Preferred are the best deal from Amex. Do the math on your spending first to find out which.
Chase Freedom ($2.5K, 10/2009)
Discover it ($6K; 03/2011)
Amex BCE ($19.5K; 02/2013 - 2011 BD)

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Z06Biker
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Postby Z06Biker » Fri Apr 19, 2013 1:33 pm

Agreed. I think the best revolvers are the BCE/BCP, Costco TE or SPG. It really comes down to whether you're more a grocery/dept store shopper, costco/restaurant guy, or someone who loves travel and hotels. Since they're all revolvers, I'd assume the requirements for all the aforementioned are similar.
AMEX: PRG Gold, Business Simply Cash, Business Costco, BCE.
Chase: United MileagePlus Club, Sapphire Preferred, Amazon Rewards
Barclaycard Arrival World Mastercard
HSBC Cash or Fly World Mastercard
USAA World Mastercard, USAA Platinum Mastercard
Wells Fargo Business Platinum
USC Credit Union Mastercard

Hiban
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Postby Hiban » Fri Apr 19, 2013 7:05 pm

Bobzig wrote:Green, Gold, and PRG (premier rewardd gold) are all charge cards. You will easily be approved for any one.

The Blue is a revolver.

I would suggest doing more research about the cards on the AMEX site and get familiar with what each card is and which would best be suitable for you.

Good Luck.


Thanks! I did some research and some basic calculations.

Based on my spending, BCP had the best deal for me so I applied for it and got instantly approved with a $10K limit (called the cs number and the system told me the limit).

The funny thing was that I received an email the second day (today) from Citibank telling me that I might eligible for a CL increase and they gave me another $1000 on my ThankYou card :)

The whole process of Amex had always been intimidating to me for some reason, but it's really easy if you're doing things right and taking care of your credit!



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