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Frequent Contributor
LawStudentCivilis
Posts: 311
Registered: ‎06-14-2013

Re: American Express v. Discover

After a little research on my own, Discover IT seems a little tempting as well.  I like the No Foreign transaction fees, and seemingly low APR! Plus intro 0% APR

 

Does anyone have the Delta Gold by American Express? I don't like the high APRs because it is unlikely I will qualify for the lowest (which is 15.24% I believe).  This matters because I will more than likely make a plane ticket purchase then wait for the bonus miles to apply before I pay off the balance. Which may take more than a month, incurring interest! If I do a PC after a year to BCE, is Amex good about lowering APR? I'd hate to be stuck with a high one.

 

P.S. How do the miles work? (This will be my first travel card if I'm approved).  If I apply for the Delta card and buy a delta ticket immediately after, can I use the bonus miles to this transaction even though I have to wait 2 to 4 weeks for the miles to post to my card after the ticket is bought?

 

It's hard to narrow it down to one card!

Frequent Contributor
unc0mm0n1
Posts: 398
Registered: ‎03-05-2013

Re: American Express v. Discover


jadankert94 wrote:

I have both and personally I prefer my AMEX.  Their website is much better, as is their customer service.  Their card rewards program is also nice.  Overall I feel like a more valued customer with AMEX.


 


Completely disagree. Amex is not bad but I hate having to repeat myself constantly to someone who can't understand the american accent. I love it when I call Discover and get someone in Phoenix. I had a double charge once and discover cleared it up immedately, no investigation or 7-10 days. It was pretty nice. TBF I haven't had a bad experience with AMEX either, besides the communication barrier. 

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Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012

Re: American Express v. Discover


LawStudentCivilis wrote:

09Lexie wrote:
*1 to Open

I would add if you don't want the charge, app for the revolver.

Do you mean if I don't want a charge card? I would much rather a CL


If you manage the charge card well, you can have pay over time option with it, which has 35k CL.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Frequent Contributor
pt310
Posts: 380
Registered: ‎05-03-2013

Re: American Express v. Discover

[ Edited ]

I just saw today on creditcards (dot) com, Amex BCP with 0% for 15 months, $ 250 sign up bonus for $1000 in first 3 months.



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Frequent Contributor
LawStudentCivilis
Posts: 311
Registered: ‎06-14-2013

Re: American Express v. Discover

Thank you both for the additional information.

 

pt310 that is a tempting offer!

Super Contributor
enharu
Posts: 6,889
Registered: ‎02-27-2013

Re: American Express v. Discover

In my opinion both are good cards offered by good companies. Get both! :smileyhappy:
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Valued Contributor
Themanwhocan
Posts: 1,331
Registered: ‎04-04-2013

Re: American Express v. Discover

[ Edited ]

The creditcards.com amex deals give you 0% APR for 15 months, and a 12.99% Regular APR, in addition to the larger signup bonus (assuming you get the card).

 

I went for the Blue Cash Everyday 2 months ago, as you can see in my signature. Its a nice card to have. And its not as if you cant apply for more cards in the future...


Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012

Re: American Express v. Discover


enharu wrote:
In my opinion both are good cards offered by good companies. Get both! :smileyhappy:

Oh yeah!

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Frequent Contributor
LawStudentCivilis
Posts: 311
Registered: ‎06-14-2013

Re: American Express v. Discover

Thanks everyone, Delta Gold has caught my eye because I am toying with the idea of making a few trips early August.

 

I will probably eventually PC to BCE in a year.  I already have 3 cards (two if you don't count Dillards Amex as a real card) and don't want to overextend my credit before applying for my first mortgage after graduation. I would love to have both sigh, but trying to restrain myself. 

Frequent Contributor
LawStudentCivilis
Posts: 311
Registered: ‎06-14-2013

Re: American Express v. Discover

Which still brings me to the question, has anyone had or heard of success of getting Amex to lower APR after a year or after a PC?


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