06-21-2013 12:13 PM
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!
06-21-2013 12:21 PM
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.
06-21-2013 12:24 PM
*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.
06-21-2013 12:34 PM - edited 06-21-2013 12:37 PM
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.
06-21-2013 02:00 PM
06-21-2013 02:10 PM - edited 06-21-2013 02:13 PM
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...
06-21-2013 02:15 PM
In my opinion both are good cards offered by good companies. Get both!
06-21-2013 02:42 PM
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.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.