AMEX Premier Rewards Gold Card Letter in Mail

Anonymous · ‎12-12-2014

i received a letter two weeks ago from Amex "extending an exclusive offer" for the PRG card offering 50,000 MR points if spend 1,000 in first 3 months.

Is this a generic letter? Does this mean I might qualify for the card? Are these letter worth anything?

thanks for the help!

Anonymous · ‎12-12-2014

Hard to say whether you would qualify and whether it's a generic letter or not. The 50,000 NR is twice their standard offer so if you do qualify it would be a good deal. What are your scores?

rlx01 · ‎12-12-2014

That's a good offer and now is the time to lock in a 2014 MSD.

mongstradamus · ‎12-12-2014

I think its a targeted offer I would jump on that offer.just be sure you know how you would use Mr points.GC and statement credit aren't not good value for those points.

EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16

Berk · ‎12-12-2014

Before you jump in remember that it has a fairly hefty annual fee if you decide to keep the card for more than a year. Also, if you don't travel a lot I don't see much benefit in the card - don't let the name mislead you - it ain't all that premier.

It is a charge card too so if you are used to carrying a balance on your cards this one might not be the one for you.

Anonymous · ‎12-12-2014

If you aren't already a AMEX cardholder, you should be able to access the prequalification page on the AMEX website. You can enter your information and verify that you are pre-qualified for the card. If you're already a AMEX cardholder you can apply and if you aren't approved it will be a soft pull anyway. No harm done.

Anonymous · ‎12-13-2014

@Anonymous wrote:
... if you aren't approved it will be a soft pull anyway. No harm done.

Really? Is this only for pre-qualified offers? I have opted out of the pre-qualified mailing lists, but does this mean I can apply for another AMEX card with a soft enquiry since I already have the BCP?

mongstradamus · ‎12-13-2014

@Anonymous wrote:
@Anonymous wrote:
... if you aren't approved it will be a soft pull anyway. No harm done.
Really? Is this only for pre-qualified offers? I have opted out of the pre-qualified mailing lists, but does this mean I can apply for another AMEX card with a soft enquiry since I already have the BCP?

If you already have an amex card , all denials should be sp and all approvals no matter if you have an previous amex card or not are HP.

EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16

Anonymous · ‎12-13-2014

I got that letter as well. It sounded pretty good until I saw that annual fee.

b_diddy · ‎12-13-2014

@mongstradamus wrote:
@Anonymous wrote:
@Anonymous wrote:
... if you aren't approved it will be a soft pull anyway. No harm done.
Really? Is this only for pre-qualified offers? I have opted out of the pre-qualified mailing lists, but does this mean I can apply for another AMEX card with a soft enquiry since I already have the BCP?
If you already have an amex card , all denials should be sp and all approvals no matter if you have an previous amex card or not are HP.

Aaaargggh. I feel ripped off. I was hit with a HP for each of my AMEX approvals! :-(

EDIT: read the post wrong. Guess I got HP's per usual ... :-)

FICO Scores: EX 733 (1/17/15) EQ 761 (1/17/15) TU 750 (1/17/15)