Credit Card Forum
  1. #1
    Green Member
    Join Date
    Jan 2013
    Location
    Richmond, VA
    Posts
    4

    Default What's the best one (for me) down the road?

    So I finally got two cards (usaa visa and discover) so that I do not need my secured card anymore. I plan on canceling the secured card once I start making payments on the two cards.

    I recently applied for a Blue Cash everyday card from American Express and was denied(lack of history, too many EX pulls, etc). I want to wait some time(6 mos-1 year) before applying for any card from them. I don't have much of a credit history, about a years worth, but I plan to keep my utilization low(25% and under) with both non secured cards and I plan on keeping those cards for years.

    I was thinking of getting a charge card so I can diversify my wallet. I mainly want to establish a membership with amex for future use. The cards I were thinking of(one of which I would apply for) are:

    Amex green
    Amex Gold
    Delta SkyMiles Gold

    What do you all think? Is there one that is "easier" to get?
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  2. #2
    Centurion Member
    Join Date
    Oct 2012
    Location
    Texas
    Posts
    713

    Default

    The word around here is that the charge cards are easier to get than the credit cards. It's hard to say which one is best for you down the road without knowing what you'll be spending on it, and how much you'll be using/spending on the card. The Delta SkyMiles is not a charge card. If you're wanting a charge card to diversify just get the green since it has the lowest annual fee. If you travel occasionally and are going to use it frequently for gas/groceries and run quite a bit of money through it, then get the PRG. The Gold isn't worth the annual fee with the poor point structure IMO. My best advice would be to wait until you're ready, research the ones that you're interested in and pick the one that's best for you based on your spending.
    Amex Platinum
    Amex BCP 15K
    Amex SPG 5K
    Capital One Venture Visa Sig 7.5K
    Chase Sapphire Preferred Visa Sig 23.5K
    Credit Union Visa Platinum 10K
    Discover IT 5.75K
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  3. #3
    Green Member
    Join Date
    Jan 2013
    Location
    Richmond, VA
    Posts
    4

    Default

    I dont make a lot right now, but I would probably spend it on gas, groceries, and maybe other things that I can pay off right away. I just dont know if Id get everything out of the prg right away. That and justify the 175 annual fee
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  4. Green Member
    Join Date
    Jan 2013
    Location
    Richmond, VA
    Posts
    4

    Default

    probably gas, groceries, and maybe travel. I dont make a lot and definitely wont make the 30k benchmark to get the 15k points
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  5. #5
    Green Member
    Join Date
    Nov 2012
    Location
    Los Angeles
    Posts
    16

    Default

    Right now, the PRG has a pretty okay bonus--25,000 MR points for $2k spending in the first 3 months. Since you don't pay the annual fee the first year anyway, you might want to apply for the Premier Rewards Gold just for that bonus and then Product Change to green before the annual fee hits.
    American Express Premier Rewards Gold
    American Express Business Gold Employee Card (Authorized User)
    American Express Gold Delta Skymiles
    Discover More
    Chase Amazon Visa
    Citi Simplicity
    Capital One Journey
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  6. #6
    Centurion Member
    Join Date
    Jun 2011
    Location
    Down South
    Posts
    1,582

    Default

    Based on what you are looking for, I would recommend the PRG.
    Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
    Plane tickets: CSP
    Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
    Clothes: Express, Amex BCP, Discover IT
    Amazon: Citi Forward, Cash +
    Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
    Hotels and other travel: Discover Escape, CSP
    Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
    Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
    Balance transfers: Kroger 123 rewards
    Bill Pay: Chase Ink Plus, Citi Forward
    Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  7. #7
    Green Member
    Join Date
    Jan 2013
    Location
    IL
    Posts
    7

    Default

    I got a Blue (not a Blue Cash) when my credit score was hovering just under 700 and I only had one card, a student Discover, and really low income. It's a BCP now; they let me upgrade it without issue to BCP or Blue Sky Preferred, although I would have rather done the BCE.

    If you don't want a charge card, Blue or Clear are probably options.
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

Advertising Disclosure: CreditCardForum is an independent, advertising-supported comparison service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are authorís alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult a card's issuing bank for terms & conditions.