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American Express Green Card or BCE

Frequent Contributor

American Express Green Card or BCE

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

Southwest Premier $6k/ Venture One Visa Sig $5k/ Amex SPG $1k/ Amex PRG NPSL/ BofA Cash Rewards $1k / Barclay Arrival $1.5k / Discover IT $1.5k/ Cap 1 QS $2.9k/ Stash Visa $1.5k/ Amazon $6k/ Shell $500 / Fingerhut $3.4k / Walmart $6k/ Overstock $4k/ Paypal Connect $3.5k/ Nordstrom $4k/ J.crew $12k/ Express $3.1k
In the garden 07/30/16 EQ: 673 TU: 715 EX:690
Message 2 of 19
18 REPLIES
Valued Contributor

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
Message 4 of 19
Frequent Contributor

Amex Green or BCE

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

Southwest Premier $6k/ Venture One Visa Sig $5k/ Amex SPG $1k/ Amex PRG NPSL/ BofA Cash Rewards $1k / Barclay Arrival $1.5k / Discover IT $1.5k/ Cap 1 QS $2.9k/ Stash Visa $1.5k/ Amazon $6k/ Shell $500 / Fingerhut $3.4k / Walmart $6k/ Overstock $4k/ Paypal Connect $3.5k/ Nordstrom $4k/ J.crew $12k/ Express $3.1k
In the garden 07/30/16 EQ: 673 TU: 715 EX:690
Message 1 of 19
Frequent Contributor

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)
Message 3 of 19
Senior Contributor

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 $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 | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 5 of 19
Epic Contributor

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.

Message 6 of 19
Valued Contributor

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. 

EX = 849 EQ = 850 TU = 850 as of 07/2017
Retired and Retiring Cards!
Message 7 of 19
Established Contributor

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.

Message 8 of 19

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

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Message 9 of 19
Moderator Emerita

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. 

Message 10 of 19