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SPG or BCP - which one harder?

Valued Contributor

SPG or BCP - which one harder?

Between SPG and BCP, which Amex card is more difficult to get?


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Message 1 of 9
8 REPLIES
Moderator

Re: SPG or BCP - which one harder?


Duncanrr wrote:
Between SPG and BCP, which Amex card is more difficult to get?

Anecdotally it's near dead even these days I think;  their underwriting critera both seem to be around 680 for otherwise solid applicants.

 

It all changed in June and we saw people getting an SPG with ~675, but then we saw similar with BCP.  Given Amex's general policies towards co-branded cards, likely SPG might be easier, but that's a pure SWAG.  I think between the two you should simply apply for the card you actually want given how close it appears to be.

 

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Message 2 of 9
Valued Contributor

Re: SPG or BCP - which one harder?

I want both Smiley Wink


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 3 of 9
Blogger

Re: SPG or BCP - which one harder?

I have the same concern actually. Still haven't decided what Amex card to apply for in January. Smiley Happy

Message 4 of 9
Valued Contributor

Re: SPG or BCP - which one harder?

Co-branded cards tend to be easier to get


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 5 of 9
Established Contributor

Re: SPG or BCP - which one harder?

+1 to last post. Bcp should be harder to obtain
Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Message 6 of 9
Valued Contributor

Re: SPG or BCP - which one harder?

I like them both also. I'm going for BCE in January.
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%
Message 7 of 9
Valued Contributor

Re: SPG or BCP - which one harder?

I was approved for the BCE with 675 score and amex has denied me 5 times for the SPG. For me SPG is harder to get it seems
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 8 of 9
Blogger

Re: SPG or BCP - which one harder?


jsickz32 wrote:
I was approved for the BCE with 675 score and amex has denied me 5 times for the SPG. For me SPG is harder to get it seems

Did you apply for the SPG after you'd been using the BCE? I asked this question because Amex doesn't like giving the same consumer too many accounts.

Message 9 of 9