@Closingracer99 wrote:
@mongstradamus wrote:
@jsucool76 wrote:I just got the PRG, and it makes me feel cool. I doubt I'll spend enough to offset the annual fee, so my plan is basically to use this for the free year, then transfer my points to the ED card. Maybe pick up a BCE along the way as well.
BCE for backdating purposes ? I am curious why you would want BCE since there are better cards out there to cover gas and groceries?
Yeah but those cards have Caps for Gas while the BCE isn't... Amex CS is one of the best and the perks alone might be a better deal then getting 2% CB with the SM ...
I guess I look at it from my position , where i don't go over 250 caps for gas and groceries.
@Closingracer99 wrote:
@mongstradamus wrote:
@jsucool76 wrote:I just got the PRG, and it makes me feel cool. I doubt I'll spend enough to offset the annual fee, so my plan is basically to use this for the free year, then transfer my points to the ED card. Maybe pick up a BCE along the way as well.
BCE for backdating purposes ? I am curious why you would want BCE since there are better cards out there to cover gas and groceries?
Yeah but those cards have Caps for Gas while the BCE isn't... Amex CS is one of the best and the perks alone might be a better deal then getting 2% CB with the SM ...
What's a perk from Amex that is better than SM for Gas purchases? This type of fan boy/girl loyalty baffles me. It's dollars and cents. BCE < Sallie Mae
@Anonymous wrote:What's on your card lust list?
Im hinking AMEX PRG might be next years app. Depending on my BoA secured card graduating, I don't know which card of theirs I would want?
My list currently includes
- Chase Southwest RR Premier/Plus (Companion Pass)
- Amex Costco True Earnings (Cheap Gas!)
- Chase Slate (May need BT)
- Fidelity Visa Siggy (When Amex isn't accepted)
- Barclay Arrival+ (Sign up Bonus / Travel card)
- Sallie Mae (Decent Cash Back)
- a 2nd Cash+ (More 5% categories)
Maybe another hotel/airline card as well. Haven't decided yet!
12/19/19 
06/11/20 
07/02/20
@KennyRS wrote:
@Closingracer99 wrote:
@mongstradamus wrote:
@jsucool76 wrote:I just got the PRG, and it makes me feel cool. I doubt I'll spend enough to offset the annual fee, so my plan is basically to use this for the free year, then transfer my points to the ED card. Maybe pick up a BCE along the way as well.
BCE for backdating purposes ? I am curious why you would want BCE since there are better cards out there to cover gas and groceries?
Yeah but those cards have Caps for Gas while the BCE isn't... Amex CS is one of the best and the perks alone might be a better deal then getting 2% CB with the SM ...
What's a perk from Amex that is better than SM for Gas purchases? This type of fan boy/girl loyalty baffles me. It's dollars and cents. BCE < Sallie Mae
For the record he has PRG already for Amex CS "Perk" . I think point they were making was about gas being uncapped with BCE, as opposed to SM haveing 250 monthly cap. For me personally i don't get anywhere near the cap , even with gas being nearly 4.00 an gallon here :-)
@mongstradamus wrote:
@KennyRS wrote:
@Closingracer99 wrote:
@mongstradamus wrote:
@jsucool76 wrote:I just got the PRG, and it makes me feel cool. I doubt I'll spend enough to offset the annual fee, so my plan is basically to use this for the free year, then transfer my points to the ED card. Maybe pick up a BCE along the way as well.
BCE for backdating purposes ? I am curious why you would want BCE since there are better cards out there to cover gas and groceries?
Yeah but those cards have Caps for Gas while the BCE isn't... Amex CS is one of the best and the perks alone might be a better deal then getting 2% CB with the SM ...
What's a perk from Amex that is better than SM for Gas purchases? This type of fan boy/girl loyalty baffles me. It's dollars and cents. BCE < Sallie Mae
For the record he has PRG already for Amex CS "Perk" . I think point they were making was about gas being uncapped with BCE, as opposed to SM haveing 250 monthly cap. For me personally i don't get anywhere near the cap , even with gas being nearly 4.00 an gallon here :-)
It's silly.. apples to oranges. So PRG has absolutely nothing to do with BCE vs. SM. Yes, Amex is AMAZING and I very much value my relationship with them, but to say BCE is a fantastic card really isn't true.
I'm ineligible for NFCU so there's no list.
0, zero, zilch inquiries on all 3 bureaus and squeaky clean. Last inquiry just fell off EX. ........ a valuable lesson about annoying Sallie Mae reps, LOL!
I have too many cards with balances. Next year, I should start residency and begin chipping away at the credit card debt.
Starting Score: 675
@KennyRS wrote:
@mongstradamus wrote:
@KennyRS wrote:
@Closingracer99 wrote:
@mongstradamus wrote:
@jsucool76 wrote:I just got the PRG, and it makes me feel cool. I doubt I'll spend enough to offset the annual fee, so my plan is basically to use this for the free year, then transfer my points to the ED card. Maybe pick up a BCE along the way as well.
BCE for backdating purposes ? I am curious why you would want BCE since there are better cards out there to cover gas and groceries?
Yeah but those cards have Caps for Gas while the BCE isn't... Amex CS is one of the best and the perks alone might be a better deal then getting 2% CB with the SM ...
What's a perk from Amex that is better than SM for Gas purchases? This type of fan boy/girl loyalty baffles me. It's dollars and cents. BCE < Sallie Mae
For the record he has PRG already for Amex CS "Perk" . I think point they were making was about gas being uncapped with BCE, as opposed to SM haveing 250 monthly cap. For me personally i don't get anywhere near the cap , even with gas being nearly 4.00 an gallon here :-)
It's silly.. apples to oranges. So PRG has absolutely nothing to do with BCE vs. SM. Yes, Amex is AMAZING and I very much value my relationship with them, but to say BCE is a fantastic card really isn't true.
I am not saying BCE is better tthan SM, i am just saying why people may think why. No gas cap and amex cs.
