Reply
Regular Contributor
Transmogrifying_Bee
Posts: 201
Registered: ‎12-01-2012

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

myFICO SCORES (7/14): EQ 790 || EX 796 || TU 791 | Discover FICO (7/14) TU 791 *** FICO GOAL: 800+ *** TOTAL CL: $83.4K
FAKO SCORES (6/14): Credit Karma (TU) 789 || Credit Sesame (EX) 801 || Credit.com (EX) 802 || Quizzle (6/14) VS3.0 EQ 812

Amex Green NPSL || Amex BCE 24K || PayPal Extras MC 15K || Chase Sapphire Visa Sig 12K || Chase Freedom Visa Sig 10K
Discover it 8.5K || Citi Diamond Preferred MC 7.9K || CapOne VentureOne Visa 3K || CapOne Quicksilver MC 3K
Moderator
09Lexie
Posts: 24,400
Registered: ‎09-13-2012

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. 

New Contributor
budugu
Posts: 80
Registered: ‎04-03-2013

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.

 RE-Entering the Garden -> 03/07/2014 DARN AMEX! Credit Karma 691 / Credit Sesame 692 (OCT13)
Valued Contributor
red259
Posts: 1,446
Registered: ‎06-05-2013

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
Goal Score: 800 In garden until 1/2015
Established Member
39Xelor
Posts: 132
Registered: ‎02-20-2014

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:

Merrill + - 7.5k | CSP - 6k | Chase Freedom - 4k | Citi Dividend - 3k | Walmart - 1k | JCPenney - 1,300 | CapOne Sony - 750 | Citi Shell - 200 | Express - 650 | CapOne Quicksilver - 2,250 | CapOne Rewards - 500 | TD Bank Cash Rewards - 1k

Started From The Bottom, Now I'm Here :smileyhappy:

Goal Cards: Merrill + - App'd and Approved! 7/11/14

Senior Contributor
yudeology101
Posts: 4,584
Registered: ‎06-21-2012

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 $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)
Frequent Contributor
TheGardner
Posts: 359
Registered: ‎01-12-2014

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: 720 for all in 2014.
TU - 701 ( Walmart 10 June 2014) EX - 686 ( Lender Pull 06 Mar 2014) EQ - 640 (DCU 27 June 2014) - Why does everyone pull EQ??
Wish List: USAA Rate Advantage MC, Citi Aadvantage, Penfed Promise Visa, AMEX ED
Last APP - April 7, 2014 NFCU Mortgage Loan Approval :smileyhappy:
Established Member
39Xelor
Posts: 132
Registered: ‎02-20-2014

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..

Merrill + - 7.5k | CSP - 6k | Chase Freedom - 4k | Citi Dividend - 3k | Walmart - 1k | JCPenney - 1,300 | CapOne Sony - 750 | Citi Shell - 200 | Express - 650 | CapOne Quicksilver - 2,250 | CapOne Rewards - 500 | TD Bank Cash Rewards - 1k

Started From The Bottom, Now I'm Here :smileyhappy:

Goal Cards: Merrill + - App'd and Approved! 7/11/14

Senior Contributor
yudeology101
Posts: 4,584
Registered: ‎06-21-2012

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 $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)

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+