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Frequent Contributor
Posts: 272
Registered: ‎12-01-2012
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Re: American Express Green Card or BCE

Credit Karma has some interesting data regarding average Credit Scores needed to obtain both the Amex Green and the BCE cards:

 

     Amex Card          Sample Size (cardholders)     Average Credit Score Range      % Above 700 Credit Score

 

       Green                            1560                                             ca. 693 - 699                                         51 %

 

      BCE                               2402                                             ca. 735 - 739                                         84 %
    

From this data it appears that the average credit score requirements are significantly higher for the Amex BCE card

FICO Score 8: EQ 790 EX 777 TU 795 ***** FICO Bankcard Score 8: EQ 817 EX 804 ***** VantageScore 3.0: EQ 817 EX 794 TU 799
TOTAL CL (7 cards): $114.5K ***** INQUIRIES 2 yrs (1 yr): EQ 2(0) EX 7(2) TU 6(2) ***** UTILIZ: 1 % ***** GOAL: FICO Score 8: 800+

NASA FCU Rewards Visa 30K || Amex BCE 25K || Chase Sapphire Visa Signature 21.5K || PayPal Extras MC 20K ||
CITI Diamond Preferred MC 9.5K || Discover it 8.5K ***** GARDENING since 9-26-2014 (I now have more than enough credit.)
Moderator
Posts: 27,203
Registered: ‎09-13-2012
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Re: American Express Green Card or BCE


Transmogrifying_Bee wrote:

Credit Karma has some interesting data regarding average Credit Scores needed to obtain both the Amex Green and the BCE cards:

 

     Amex Card          Sample Size (cardholders)     Average Credit Score Range      % Above 700 Credit Score

 

       Green                            1560                                             ca. 693 - 699                                         51 %

 

      BCE                               2402                                             ca. 735 - 739                                         84 %
    

From this data it appears that the average credit score requirements are significantly higher for the Amex BCE card


I would agree. Revolvers would require a higher CS. 

Contributor
Posts: 85
Registered: ‎04-03-2013
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Re: American Express Green Card or BCE

yes also amex is very enquiry sensitive. i got rejected for starwood last year will a score of 725 with an active plat /zync / corp green.

AU-> RE-Entering the Garden -> 03/07/2014
Valued Contributor
Posts: 2,953
Registered: ‎06-05-2013
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Re: American Express Green Card or BCE

I agree that you should wait on the app. Amex is not an easy lender to get a card with. Charge cards are easier to get than revolvers. When it is time to apply I would look at at all the charge cards and pick the one that fits you best. IMO the green card isn't that great , especially if your only getting a charge card to get your foot in the door and may not keep it beyond the first year. The AF on the PRG is waived first year as well. 


Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 730 6/27/14, Last App 1/3/15
Goal Score: 800 In garden until 4/2015
Established Member
Posts: 146
Registered: ‎02-20-2014
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Re: American Express Green Card or BCE

[ Edited ]

My opinion, there are far better cards out there than Amex! I say Garden, let your scores grow and shoot for something better! But again, that’s just my opinion.. I get the whole "it’s an AMEX card!" attitude though! I just think you could eventually do better than Amex :smileyhappy:

Whats In My Wallet? A Whole Lotta' Awesomeness!
Senior Contributor
Posts: 4,654
Registered: ‎06-21-2012
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Re: American Express Green Card or BCE


39Xelor wrote:

My opinion, their are far better cards out there than Amex! I say Garden, let your scores grow and shoot for something better! But again, that’s just my opinion.. I get the whole "it’s an AMEX card!" attitude though! I just think you could eventually do better than Amex :smileyhappy:


I would agree.  But it's something about that intimidating Trojan Soldier Guy w/ the coolest hat that is appealing...well at least to me lol 

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +13more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 9/12/14*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 as of 12-12-13)
Established Contributor
Posts: 1,040
Registered: ‎01-12-2014
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Re: American Express Green Card or BCE

Only really good reason for an Amex card is back dating. On than that as stated there are better.
If anyone needs me I will be In The Garden. Goal Score: 760 for all in 2015.
TU - 774 EX - 701 EQ - 771 myFico 3 score watch

In the Garden Last APP Jan 13, 2015. The great AMEX HP heist of Dec 1st, 2nd and 3rd of 2014.
Established Member
Posts: 146
Registered: ‎02-20-2014
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Re: American Express Green Card or BCE


yudeology101 wrote:

39Xelor wrote:

My opinion, their are far better cards out there than Amex! I say Garden, let your scores grow and shoot for something better! But again, that’s just my opinion.. I get the whole "it’s an AMEX card!" attitude though! I just think you could eventually do better than Amex :smileyhappy:


I would agree.  But it's something about that intimidating Trojan Soldier Guy w/ the coolest hat that is appealing...well at least to me lol 


Also agreed haha... Amex does have some nice card designs.. When I first saw the Costco Amex design I was like  hahaha..

Whats In My Wallet? A Whole Lotta' Awesomeness!
Senior Contributor
Posts: 4,654
Registered: ‎06-21-2012
0

Re: American Express Green Card or BCE


39Xelor wrote:

yudeology101 wrote:

39Xelor wrote:

My opinion, their are far better cards out there than Amex! I say Garden, let your scores grow and shoot for something better! But again, that’s just my opinion.. I get the whole "it’s an AMEX card!" attitude though! I just think you could eventually do better than Amex :smileyhappy:


I would agree.  But it's something about that intimidating Trojan Soldier Guy w/ the coolest hat that is appealing...well at least to me lol 


Also agreed haha... Amex does have some nice card designs.. When I first saw the Costco Amex design I was like  hahaha..


LOL  That pic is CLASSIC!  You should've seen my mouth when i was approved for my first AMEX (Green), my mouth stretched down 10x lower than Jim Carey's lol

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +13more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 9/12/14*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 as of 12-12-13)

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