American Express Premier Rewards

[Rackham94]

Question:

In order to qualify for 15k Bonus after spending 30K in one year. 

Can you hit the monthly spending (2500) with bills and groceries and gas 

or merchandise only?

[parakleet]

You can meet the spending in any way that's allowed under the T&Cs, with the exception of cash advances. So yes - bills, groceries, whatever you can use your Amex for will count as "spending."

[Rackham94]

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@parakleet wrote:

You can meet the spending in any way that's allowed under the T&Cs, with the exception of cash advances. So yes - bills, groceries, whatever you can use your Amex for will count as "spending."

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Sounds great. Is the Purchase Protection coverage different on among the types of charge cards e.g.

I purchase a computer for $950 and is stolen within 90 days I purchased using Amex Green Card vs. a PRG.

Anyone have any experience using this feature/benefit.

[Rackham94]

In addition to the previous question, my SO received an offer for PRG w/ RSVP code is that tied to her credit information she is not interested in the card however; I want to use her RSVP code when I apply.

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[myjourney]

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@Rackham94 wrote:

In addition to the previous question, my SO received an offer for PRG w/ RSVP code is that tied to her credit information she is not interested in the card however; I want to use her RSVP code when I apply.

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Won't work for you...... long time ago it would but they got pretty smart about that Lol

[Walt_K]

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@myjourney wrote:

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@Rackham94 wrote:

In addition to the previous question, my SO received an offer for PRG w/ RSVP code is that tied to her credit information she is not interested in the card however; I want to use her RSVP code when I apply.

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Won't work for you...... long time ago it would but they got pretty smart about that Lol

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+1.  What is the offer?  If it's just a preapproval, there would be no reason to use the code anyway.  If it's for a certain amount of bonus points, search around, you might find the same offer is publicly available.

[CreditScholar]

Theres a targeted offer floating around for 75k after 1k spend as well.

[Rackham94]

What is the avg AAoA required for approval as well as EXP FAKO Whogavemecredit is is not very consistent 

[enharu]

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@Rackham94 wrote:

What is the avg AAoA required for approval as well as EXP FAKO Whogavemecredit is is not very consistent 

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there's really no fixed minimum AAoA that you need, nor scores.

Amex looks at everything in general, and they also have their own internal risk score.

The charge cards are also considerably easier to get compared to the revolvers.

[Rackham94]

Would you say their internal risk score is based on income and FICO mostly and assets? or each equally divided. 

632 EQ FICO

720 EXP FAKO from experian.com