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

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ajumbaje
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Location: Richmond, VA

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

Postby ajumbaje » Tue Feb 05, 2013 10:29 pm

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?


Robrus1
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Location: Texas

Postby Robrus1 » Wed Feb 06, 2013 7:52 am

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 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K

ajumbaje
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Joined: Tue Jan 29, 2013 9:47 am
Location: Richmond, VA

Postby ajumbaje » Wed Feb 06, 2013 9:04 am

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


ajumbaje
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Posts: 4
Joined: Tue Jan 29, 2013 9:47 am
Location: Richmond, VA

Postby ajumbaje » Wed Feb 06, 2013 9:08 am

probably gas, groceries, and maybe travel. I dont make a lot and definitely wont make the 30k benchmark to get the 15k points

smills228
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Location: Los Angeles

Postby smills228 » Wed Feb 06, 2013 12:00 pm

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

FutureBillionaire
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Posts: 1589
Joined: Sun Jun 19, 2011 2:37 pm
Location: Down South

Postby FutureBillionaire » Wed Feb 06, 2013 12:29 pm

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

danda
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Location: IL

Postby danda » Wed Feb 06, 2013 8:42 pm

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.



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