Reply
Regular Contributor
mattayy
Posts: 130
Registered: ‎09-30-2013

American Express Green Card or BCE

Which amex card is easier to get approved for? Amex Green or BCE? 

BofA Cash Rewards $1k / Macy's $7.5k / Bloomingdale's $1.2k / Barclay Arrival $1.5k / Amazon $700/ Credit One $500 / Shell $500 / Fingerhut $2.8k / Walmart $600/ Paypal Connect $500/ Nordstrom $500/ J.crew $450

AU: Amex Green NPSL

Experian: 615 (lender pull 12/20) Equifax: 652 (myfico) TU: 625 (Walmart)

In the garden till Dec 2015 (Last app 04/16/14)
Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011

Re: American Express Green Card or BCE


mattayy wrote:

Which amex card is easier to get approved for? Amex Green or BCE? 


From what I've read, the charge cards are easier to get, but then again it all depends on your scores and AAoA.  So you might want to supply that information and then some of the experts can help you more.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Regular Contributor
mattayy
Posts: 130
Registered: ‎09-30-2013

Amex Green or BCE

Which amex card is easier to get approved for? Amex Green or BCE? 

BofA Cash Rewards $1k / Macy's $7.5k / Bloomingdale's $1.2k / Barclay Arrival $1.5k / Amazon $700/ Credit One $500 / Shell $500 / Fingerhut $2.8k / Walmart $600/ Paypal Connect $500/ Nordstrom $500/ J.crew $450

AU: Amex Green NPSL

Experian: 615 (lender pull 12/20) Equifax: 652 (myfico) TU: 625 (Walmart)

In the garden till Dec 2015 (Last app 04/16/14)
Frequent Contributor
FastForward
Posts: 372
Registered: ‎07-20-2013

Re: Amex Green or BCE


mattayy wrote:

Which amex card is easier to get approved for? Amex Green or BCE? 


I believe most would say the Green. For their revolvers, anecdotally I've heard the "easiest" of the bunch has been their Delta Gold.  Actually was my first Amex (which i've since PC'd to another revolver). 

AmEx PRG (NPSL) | AmEx BCP (10k) | AmEx Blue Cash (1k) | AmEx SPG (3.5k) | Barclay Arrival WMC (7.5k) | Barclay Sallie Mae (1.5k) | Cap1 QS (2k) | Chase Freedom (1k) | Discover IT (4.5k) | InTouch (Local) CU MC (5k) | InTouch (Local) CU LOC (25k)

Citi/Best Buy (AU) (1.5k) | Citi/Best Buy (7.5k) | Comenity/Crate & Barrel (4k) | Comenity/Restoration Hardware (9k) | GE/Ethan Allen (2.5k) | Synchrony Bank/Banana Republic (3.3k) | Synchrony Bank/Gap (3.3k) | Synchrony Bank/Walmart (3.3k)

myFICO scores ~ 691 (EQ) 670 (EX) 712 (TU) || Goal scores: 750+ (all 3)
Senior Contributor
yudeology101
Posts: 4,584
Registered: ‎06-21-2012

Re: Amex Green or BCE


FastForward wrote:

mattayy wrote:

Which amex card is easier to get approved for? Amex Green or BCE? 


I believe most would say the Green. For their revolvers, anecdotally I've heard the "easiest" of the bunch has been their Delta Gold.  Actually was my first Amex (which i've since PC'd to another revolver). 


+1   all charge cards have the same underwriting requirements and acecdotally some say that it's easier to get than the revolers.  IMHO, i don't think any AMEX is easy to get, it took me close to 10 tries to get my foot in the door. 

JPM Ritz Carlton $8k I UMP Club $8k I CSP $5k | 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 $3.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | TJX $1.55k | +6more
Scores: EQ:660 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *6-20-14*
Overall UTIL: 14% *Gardening Since: 5/10/14*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 as of 12-12-13)
Mega Contributor
Creditaddict
Posts: 18,928
Registered: ‎10-23-2007

Re: Amex Green or BCE


mattayy wrote:

Which amex card is easier to get approved for? Amex Green or BCE? 


I think a 615 isn't going to get you to green... wait until you are up over 640 at least.

Fico Scores: EQ 657 Cabelas, TU 665 GE, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Express $300
Over 30 Cards in between :smileytongue:
Valued Contributor
thom02099
Posts: 1,317
Registered: ‎08-30-2011

Re: Amex Green or BCE


Creditaddict wrote:

mattayy wrote:

Which amex card is easier to get approved for? Amex Green or BCE? 


I think a 615 isn't going to get you to green... wait until you are up over 640 at least.


Agreed.  If that's a lender pull and EX 08 model, you're not quite there yet.  Looking at your cards, you've got small limits with the exception of the Macy's card.  AMEX likes to see at least one other major bank card with a limit of $5k or greater.  While the underwriting for the charge cards is more relaxed than the revolvers, AMEX is still not very easy to get in comparison with some other issuers.  Considering scores only, you'll probably need at least a 660-680 to get in with AMEX charge. 

AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10K / Chase Slate Visa $6K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 768 EQ = 828 TU = 834 - June/2014
Established Contributor
newUser0
Posts: 929
Registered: ‎12-13-2013

Re: American Express Green Card or BCE

Try Green only if you have had atleast one year of good credit history and no baddies. 

Else It's a waste of HP I guess.

Member
MadDscientist
Posts: 19
Registered: ‎02-11-2014

Re: American Express Green Card or BCE

The green is easier to get I've seen some collehe kids on this forum get approved after only 6mos of history. But try the preapproval tool and see what cards pop up.

 

https://www304.americanexpress.com/credit-card?inav=footer_cards_personal#!view-your-special-offers

√Wells Fargo college cashback [$800]
√Discover it [$3.5k]

√Iron rusts from disuse; water loses its purity from stagnation... even so does inaction sap the vigor of the mind.
Moderator
09Lexie
Posts: 24,547
Registered: ‎09-13-2012

Re: American Express Green Card or BCE


MadDscientist wrote:

The green is easier to get I've seen some collehe kids on this forum get approved after only 6mos of history. But try the preapproval tool and see what cards pop up.

 

https://www304.americanexpress.com/credit-card?inav=footer_cards_personal#!view-your-special-offers


Same UW for charge cards.  College kids might be applying for Green due to lower AF. 


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+