Thank you all for the advice and kind words!
Instantly approved for AMEX Gold (this was what I was invited to) but spoke to CSR and said I can product change to PRG once I receive the card.
BTW.. Felt a little daring and app'd for B of A after I got the AMEX, instantly approved $2.5k
Congratulations! Welcome to the forum, and to the Amex and BofA families