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Frequent Contributor
Posts: 290
Registered: ‎12-01-2012
0

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 813 EX 809 TU 815 **** FICO Bankcard 8: EQ 837 EX 826 TU 841 **** VantageScore 3.0: EQ 823 EX 818 TU 821
TOTAL CL (6 cards): $118.9K **** INQUIRIES 2 yrs (1 yr): EQ 0(0) EX 0(0) TU 1(0) **** 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 12.4K || Discover it 10K **** CLOSED 7 cards **** GARDENING since 9-26-2014
Moderator Emerita
Posts: 27,204
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: 88
Registered: ‎04-03-2013
0

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
Senior Contributor
Posts: 5,482
Registered: ‎06-05-2013
0

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 790 7/24/16, Last App 7/5/16
Goal Score: 800 In garden until undecided
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 Smiley Happy

Whats In My Wallet? A Whole Lotta' Awesomeness!
Senior Contributor
Posts: 4,669
Registered: ‎06-21-2012
0

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 Smiley Happy


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 | +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)
Valued Contributor
Posts: 1,422
Registered: ‎01-12-2014
0

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.
Current FICO Scores EX: 715 EQ: 756 TU: 762
Last APP April 21, 2015.
Victim of The great AMEX HP heist of Dec 1st, 2nd and 3rd of 2014.
Established Member
Posts: 146
Registered: ‎02-20-2014
0

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 Smiley Happy


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: 4,669
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 Smiley Happy


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 | +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)

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