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Regular Contributor
Posts: 197
Registered: ‎07-26-2012
0

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...
Valued Member
Posts: 46
Registered: ‎06-01-2013
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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 $26,600 line, 13.99%
Bank of America Platinum Rewards, 25,000 line, 13.24%
Discover Open Road $12,500 line, 20.9%
Amex Blue Cash Preferred $9,000 line, 9.99%
Capital One Venture One, $7,500 line, 20.9%
Amex Hilton Honors $5,000 line, 17.24%
Chase Slate, $2,700 line, 23.9%

$0 balance on all
Frequent Contributor
Posts: 319
Registered: ‎03-25-2013
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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

Regular Contributor
Posts: 197
Registered: ‎07-26-2012
0

Re: Which Amex to apply for rewards?

[ Edited ]

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? :smileyhappy:

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...
Established Contributor
Posts: 734
Registered: ‎02-01-2012
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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!
Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
0

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%
Community Leader
Senior Contributor
Posts: 26,723
Registered: ‎02-07-2013
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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?

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/2013
Regular Contributor
Posts: 197
Registered: ‎07-26-2012
0

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...
Community Leader
Senior Contributor
Posts: 26,723
Registered: ‎02-07-2013
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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 

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/2013
Regular Contributor
Posts: 197
Registered: ‎07-26-2012
0

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...
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