grifenhagen wrote:i have a full scholarship tuition-wise, and everything else (housing, fees, books, etc) is being covered by the parents, thank god.
im living on campus in the freshmen student housing; which is required.
as for the amex green/gold, as ive stated in another post somewhere on here, i prefer bonus points over cash back, and if i got a green or gold card, id use it as my main card so im forced to pay in full every month. the roadside assistance is a plus
Maybe I'm just too new to Credit cards, but I just don't see a good benefit for the green/gold cards for you. Get a credit card and pay in full every month. Why do you feel you would pay a Charge card off every month vs not for a Credit card?
Who is your car insurance through? I know with ALFA I have road side assistance at no additional cost to me. I would check on that before you go paying $95 a year for a Charge Card just to have that.
But look at it this way:
Green - $95 a year(10 miles per tow) vs AAA - $100 for thier best package + $20.00 first year fee (200 first tow and 100 after that) and I feel like a lot more benefits. You are already in the AMEX family so you laready have access to many perks that they offer already.
I think the AMEX Everyday card ($0 a year fee) would be better suited for you since you want Reward Points. You live on campus, so when you buy things it will prob be smaller items at a higher rate (see Everyday card adds 20% Extra points if you swipe 20 or more times in a billing period). 2x points at super markets and 1 MR point on everything else. Green/Gold (at $95 and $125 a year you get 1 MR point per dollar, or 2 MR poiints if you book travel through their MR program). As a college student you prob wont be flying very much if at all or staying at hotels.