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Is AMEX PRG a good everyday card??

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LS2982
Mega Contributor

Is AMEX PRG a good everyday card??

Trying to decide whether to go for the Delta or PRG. I will be flying next year and I plan on running 80% of my total charges through AMEX. Which would be better?




EQ FICO 548 3/3/16
Message 1 of 14
13 REPLIES 13
drkaje
Senior Contributor

Re: Is AMEX PRG a good everyday card??

It's June!!


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


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Message 2 of 14
LS2982
Mega Contributor

Re: Is AMEX PRG a good everyday card??


@drkaje wrote:

It's June!!


Yes, I know this. It's not bad to set plans for yourself. Smiley Very Happy




EQ FICO 548 3/3/16
Message 3 of 14
Repo-ed
Senior Contributor

Re: Is AMEX PRG a good everyday card??


@drkaje wrote:

It's June!!



L M A O Smiley Very Happy

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 4 of 14
LS2982
Mega Contributor

Re: Is AMEX PRG a good everyday card??

You guys are harsh..........................Smiley Sad




EQ FICO 548 3/3/16
Message 5 of 14
Repo-ed
Senior Contributor

Re: Is AMEX PRG a good everyday card??


@LS2982 wrote:

You guys are harsh..........................Smiley Sad


Only because we are all in the same boat Smiley Tongue

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 6 of 14
Crashem
Valued Contributor

Re: Is AMEX PRG a good everyday card??

Don't know which version of Delta you have.  Obviously, Amex MR points are more flexible and PRG has more ways to earn >1 point per dollar spent.  But if you have the high end Delta cards and you fly Delta mostly and you can spend the money, the elite qualifying miles are great to get status.  Otherwise, use the PRG. 

               LIMITS IN CARD DESCRIPTIONS
Message 7 of 14
drkaje
Senior Contributor

Re: Is AMEX PRG a good everyday card??

You should wait until January 2014 and get a full year of history. Smiley Happy

 

There's no point opening an Amex (especially charge) in March unless it's solely to offset the effect adding another card has on AOAA. Smiley Happy Are you eyeing another CC already?!


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Message 8 of 14
Repo-ed
Senior Contributor

Re: Is AMEX PRG a good everyday card??

I have low level status w/ Delta - Silver Smiley Very Happy

 

I'll take the priority boarding, lol

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 9 of 14
drkaje
Senior Contributor

Re: Is AMEX PRG a good everyday card??

I had a Gold, back in the day. Only used points for something lame, like a pen. Smiley Happy Rest of them went to waste.

 

Main thing I liked about the gold was SPG's service, it's incredible. Someone booked me in a hotel too far (not within walking distance as requested) from an event. They did not rest until the problem was fixed. I've never had an experience with any rep who worked that hard to make sure everything was perfect. They even did follow-up calls to make sure I was pleased with the resolution. They called while I was at the hotel to ensure the upgrades were done and a week later to make sure there wasn't anything they could have done better to resolve the problem.

 

I have the BCP and am ACM on DGF's Delta SkyMiles. At some point, before she downgraded from gold, we got complimentary SPG and they never took it away. I never get to travel these days but like knowing they're there. Smiley Happy


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Message 10 of 14
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