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Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012

Re: Prestigious Cards for "Average People"

My AMEX Zync is the only card I have that has ever garnished the attention of others.


It's just rare.

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Frequent Contributor
Posts: 271
Registered: ‎02-10-2013

Re: Prestigious Cards for "Average People"

Guess you ended up getting the PRG after all!

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

Re: Prestigious Cards for "Average People"

Dubious wrote:

Guess you ended up getting the PRG after all!

Yeah, imma give it a shot!!

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
Valued Contributor
Posts: 2,300
Registered: ‎01-22-2012

Re: Prestigious Cards for "Average People"

It's interesting to see the different responses here. Both of the following are true, but it depends on whom you ask.


Open123 wrote:

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

+1. These are the cards that seem to impress most people, at least from what I've found.


longtimelurker wrote:

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.


+1. This is the reality, but most people in the general population don't know this much about credit.



The other thing is that how one defines "average people" varies from place to place. In certain parts of the country, an income of 100k would be fantastic. In other parts, it may let you rent somewhat comfortably, but not much more.

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Valued Contributor
Posts: 1,524
Registered: ‎08-17-2008

Re: Prestigious Cards for "Average People"

@repo yup everyone is like wow thats cool and its white with glitter lol. Yup its a unicorn and a keeper!

But for "prestige" cards I say CSP, BCP and TYP WEMC (this one I want cause of the silver mc logo lol)

$100K in Credit
Last Credit Card App: 11/16/13
Posts: 27,207
Registered: ‎09-13-2012

Re: Prestigious Cards for "Average People"

[ Edited ]
Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012

Re: Prestigious Cards for "Average People"

My CSP, BCE tends to wow people the most.

Recently the BofA BankAmericard Privileges /w Cash Rewards really boosted it. Probably the color of it and how it feel to hold it. It plastic but got flat paint and feel to it.
2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011

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?

For me its my PRG. Its my go-to card. Smiley Happy

Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
New Contributor
Posts: 63
Registered: ‎12-06-2012

Re: Prestigious Cards for "Average People"

The only card I've received questions about was my AMEX Blue Cash Everday. I think it's the clear factor that confuses a lot of cashiers, and coupled with my age they think I either stole it or I'm borrowing it from my parents. I usually get IDed when I use my AMEX but I never do using anything else. It's a little annoying.

From left to right: NPSL; $10k; $6.2k; $4.5k; $4k; $3.5k; $2.75k; $2.3k
Other CCs: $2.5k American Eagle Visa, $2.2k Old Navy Visa, $1.7k Amazon Store; $1.55k BillMeLater; $800 B&N CC; $750 A&F CC
Senior Contributor
Posts: 4,701
Registered: ‎02-23-2011

Re: Prestigious Cards for "Average People"

chnceit wrote:
 (this one I want cause of the silver mc logo lol)

Not at all a bad reason!  The MC in emboldened silver does look pretty darn cool.  People comment it on how good it looks when I use the Ink cards.

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