Reply
Regular Contributor
Posts: 236
Registered: ‎04-24-2013
0

Prestigious Cards for "Average People"

[ Edited ]

When we talk about prestigious cards we hear about the AMEX Centurion or the JP Morgan Palladium.  I know these cards carry huge prestige!  However, whats a card of high prestige for the avgerage American?  The less than $100,000 a year salary guy.  I'm talking about the cards that get a "wow" at Food Lion, Applebees, Ruby Tuesdays, or maybe the local golf course.  If you were a cashier at a similar establishment, what cards would wow you?  I know when I saw any American Express card I was wowed or made assumptions about the person's wealth and credit status but thats the only card I really thought anything of due to my lack of knowledge.  Now I'd probably still be impressed by any AMEX, or the CSP.  So in your opinion, whats got that "wow" or "niceeeee!" factor?

AMEX BCE- $12,600 I Discover IT- $10,000 I Chase Freedom- $7,000 I Citi Double Cash- $3,300 I Best Buy- $2,800 I Bayport CU Visa- $1,000
Regular Contributor
Posts: 236
Registered: ‎04-24-2013
0

Re: Prestigious Cards for "Average People"

Oh, and especially for @09Lexie, no, I PROMISE I won't go apply for any of the cards discussed in this thread!  I have alllll I can handle right now!

AMEX BCE- $12,600 I Discover IT- $10,000 I Chase Freedom- $7,000 I Citi Double Cash- $3,300 I Best Buy- $2,800 I Bayport CU Visa- $1,000
Senior Contributor
Posts: 4,343
Registered: ‎02-23-2011
0

Re: Prestigious Cards for "Average People"

I think any metal card, Amex charge, and any Black colored cards tend to wow people.

Super Contributor
Posts: 9,200
Registered: ‎04-22-2013
0

Re: Prestigious Cards for "Average People"

This is frequently asked, and the answer often comes back to the cards you exclude!   Basically, it's possible for almost anyone, with time (for bad stuff to drop off) and discipline , to get a very high (800+) score and corresponding good and clean credit history, and that's enough for any "normal" card.

 

So what's left is those cards for high-net-worth invididuals that are by invitation only.

 

I know that is not what you had in mind, but basically any other "wow" card, especially things like the Amex Plat and the CSP, are available to a very large segment of the population, they just don't happen to have them.  And rarity isn't a good criterion either, because otherwise "Visa from very small credit union" would jump to the top.

Established Contributor
Posts: 955
Registered: ‎02-02-2013
0

Re: Prestigious Cards for "Average People"

[ Edited ]

Amex Unicorn maybe...not because it was hard to get, it wasn't really comparative to the other Amex cards.  It just looked pretty cool.

 

The CSP is also up there of course beause its a pretty Sapphire Blue and metal, weighs more and most CS folks have to look at it twice to find the number and info on it.

 

My AMEX BCP gets some looks because its clear with a Blue square in the middle. 

 

Mostly its my CSP and BCP which get the looks...and here in L.A. its usually followed by the woman looking amazed, starting to give me the "gold digger eye bat/giggle combo"  lol  This of course does not please my current wife very much.  :smileyhappy:

 

As to the rare creme de la creme cards, yes the Centurion of course. 

 

 


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Regular Contributor
Posts: 236
Registered: ‎04-24-2013
0

Re: Prestigious Cards for "Average People"


Open123 wrote:

I think any metal card, Amex charge, and any Black colored cards tend to wow people.


Ahhhh, good point about black cards!  I tend to think that about my DP!  It's not a super great card but just looking at it one could assume it is! And it's just something about the word preferred that sounds good!

AMEX BCE- $12,600 I Discover IT- $10,000 I Chase Freedom- $7,000 I Citi Double Cash- $3,300 I Best Buy- $2,800 I Bayport CU Visa- $1,000
Established Contributor
Posts: 955
Registered: ‎02-02-2013
0

Re: Prestigious Cards for "Average People"


eagles08 wrote:

Open123 wrote:

I think any metal card, Amex charge, and any Black colored cards tend to wow people.


Ahhhh, good point about black cards!  I tend to think that about my DP!  It's not a super great card but just looking at it one could assume it is! And it's just something about the word preferred that sounds good!


My NFCU Flagship Visa is black and does get some looks...but not as much as my CSP.  Now..if the Flagship Visa was also metal...then...


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Valued Contributor
Posts: 2,021
Registered: ‎04-04-2013
0

Re: Prestigious Cards for "Average People"

US bank Cash+ is so prestigious for the Average People, that most Average People haven't even heard of it...

 

Now that you've heard of it, it just doesn't seem as prestigious, now does it?


Contributor
Posts: 223
Registered: ‎06-28-2013
0

Re: Prestigious Cards for "Average People"

[ Edited ]

I was cashier for some years, and I can tell you no card would really get a wow from me, unless it got a very unique design, I remember the first time I saw the cap1 cc with the Van Gogh Starry night, I knew it was just a cc with new design, as long as you pay most people won't care about your cc, specially cashiers that are used to see plenty of different cc and there's no real way to tell if any of better than the other, as long as it dosen't decline they will be ok with any.




Gardening until 03/11/15 last mistake ,,, 07/05/2013

Barclay FICO 610
Valued Contributor
Posts: 1,400
Registered: ‎08-30-2011
0

Re: Prestigious Cards for "Average People"


eagles08 wrote:

When we talk about prestigious cards we hear about the AMEX Centurion or the JP Morgan Palladium.  I know these cards carry huge prestige!  However, whats a card of high prestige for the avgerage American?  The less than $100,000 a year salary guy.  I'm talking about the cards that get a "wow" at Food Lion, Applebees, Ruby Tuesdays, or maybe the local golf course.  If you were a cashier at a similar establishment, what cards would wow you?  I know when I saw any American Express card I was wowed or made assumptions about the person's wealth and credit status but thats the only card I really thought anything of due to my lack of knowledge.  Now I'd probably still be impressed by any AMEX, or the CSP.  So in your opinion, whats got that "wow" or "niceeeee!" factor?


Cards with certain names, from certain issuers, are frequently synonymous in the minds of Mr and Mrs/Ms Average American (who don't frequent message forums!), with wealth and prestige.  Thus, the Merrill Lynch Plus Platinum Visa (with the very cool ML Bull on the front) or the J P Morgan Select Signature Visa (the brown is rich looking!) come to mind as "prestigious looking" cards.  The metal of the Chase Sapphire Preferred is nearly always an eye-catcher.  And the AMEX Zync/Unicorn, for it's rarity now, it's become a cult favourite!

Diners Club Premier MasterCard $50K / AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10K / Chase Slate Visa $6K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 818 EQ = 822 TU = 830 - 01/2015

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.