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Which Amex to apply for rewards?

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cowboyguy
Regular Contributor

Which Amex to apply for rewards?

I have BCP and Delta in Amex. I'm looking to apply for one with attractive rewards and sing up bonuses.

 

EX FICO is 690
AAoA 8 months

Oldest Account 1.5 years

Cards are in the signature

Walmart Discover $10,000... Chase SW $8,500... Freedom $7,000... CSP $6,000... Amex Delta $3,000... Amex BCP $2,000... Local CU $1,500...
Message 1 of 15
14 REPLIES 14
Agent86
New Contributor

Re: Which Amex to apply for rewards?

In my view:

 

BCP really has the best rewards for what I spend money on regularly. If you travel A LOT, Platinum may be worthwhile (but you really have to travel in style for it to be worth it). I think their underwriting standards are not as high as a lot of people think. 690 may be marginal, but not outside the realm of reasonable chances. Other choices would be Starwood or Hilton cards if you use their hotels. I personally don't really see the point of Green/Gold cards if you already have BCP, though (with possible exception of PRG if you cancel before end of year). 

Citi Platinum Dividend $34,600 line, 14.2%%
Bank of America Platinum Rewards, $85,000 line, 13.99%
Discover It $50,000 line, 20.9%
Amex Blue Cash Preferred $18,000 line, 9.99%
Capital One Venture One, $8,500 line, 20.9%
Amex Hilton Honors $25,000 line, 17.24%

Amex Delta Platinum, 20,000 line, 22.99%
Belk store card, $124 line, 15%, $0 balance on all cards
Message 2 of 15
oscar_actuary
Frequent Contributor

Re: Which Amex to apply for rewards?

Blue Sky when they're givng 30k miles = $400 for spending $500 in 90 days was nice.

 

Long term idk if $1.33 back, in travel reimbursement per $100 spent anywhere, is good; but $400 and my first Amex was too tempting.

I have other cards fro better CB%

FICO EX 827, 2015 Feb; FICO EQ 836/900 (Citi), 2014 Dec; FICO TU08 818, 2015 Feb.

BofA Cash Rwrds Sig V 2013 10k; Fidelity Rewards AmEx /BofA 2013 15.4k; Chase Freedom Sig V 2002 24.1k; Chase Amazon Rwrds Sig V 2011 8k; Sam's Club MC 2002 10k; Dscvr It 2012 10k; Citi Dvdnd Plat Sel V 2013 8.9k; PenFed Plat Rwrds V 2013 20k; AmEx Blue Sky 2013 11.3k; AmEx BCP 2014 24.1k; Priceline Rwrds Sig V 2013 8.7k; PayPal Xtras GE Cap Plat MC 2012 5k

Message 3 of 15
cowboyguy
Regular Contributor

Re: Which Amex to apply for rewards?

Thanks for the responses.

 

I'll be waiting for some more responses before applying for one.

 

Open123, enharu, Lexie, HiLine… Where have all the other MyFico gurus gone? Smiley Happy

Walmart Discover $10,000... Chase SW $8,500... Freedom $7,000... CSP $6,000... Amex Delta $3,000... Amex BCP $2,000... Local CU $1,500...
Message 4 of 15
ztnjpv
Established Contributor

Re: Which Amex to apply for rewards?

I may be missing something but your score and report details don't really match your cards. Just sayin'

Start (Sept 2011): low-mid 600s. NOW: TU FICO: 801, EQ FICO 808, EX FICO 798 (PSECU). Goal: Achieved! Now Maintain!
Message 5 of 15
armbenderc
Valued Contributor

Re: Which Amex to apply for rewards?

You can't go wrong with straight cash back such as BCE or bcp.
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 6 of 15
myjourney
Super Contributor

Re: Which Amex to apply for rewards?


@cowboyguy wrote:

I have BCP and Delta in Amex. I'm looking to apply for one with attractive rewards and sing up bonuses.

 

EX FICO is 690
AAoA 8 months

Oldest Account 1.5 years

Cards are in the signature


Are you looking for cash back or miles?

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 7 of 15
cowboyguy
Regular Contributor

Re: Which Amex to apply for rewards?

I'm looking for miles or hotel points...
Walmart Discover $10,000... Chase SW $8,500... Freedom $7,000... CSP $6,000... Amex Delta $3,000... Amex BCP $2,000... Local CU $1,500...
Message 8 of 15
myjourney
Super Contributor

Re: Which Amex to apply for rewards?


@cowboyguy wrote:
I'm looking for miles or hotel points...

IMO PRG

3x on airlines purchases

2x on gas and groceries

1x everything else

25,000 points 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 9 of 15
cowboyguy
Regular Contributor

Re: Which Amex to apply for rewards?

25000 points are equal to how much $?

Also, do you think I can get approved for it, given my short AAoA?

Is it a charge card? I need to PIF every month?
Walmart Discover $10,000... Chase SW $8,500... Freedom $7,000... CSP $6,000... Amex Delta $3,000... Amex BCP $2,000... Local CU $1,500...
Message 10 of 15
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