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well maybe my score is high enough for it.....lol
@afbar1114 wrote:well maybe my score is high enough for it.....lol
Your score might be, but you have quite a few inquiries and AMEX doesn't like inquiries.
@afbar1114 wrote:
@Ron1 wrote:The Zync is not a bad card to keep. Amex cards is usually harder to get than charge cards. It means they required higher score to get approved.
Ron.
what cards would be harder to get ?
I think BCE and Costco are harder to get. Charge Cards should be easy to get.
Ron.
@afbar1114 wrote:well maybe my score is high enough for it.....lol
You might be able to get Amex Green with your score.
Ron.
The two Amex cards I think I will ultimately try for are BCP and Blue Sky.
At first I wasn't sure if BCP made sense for me (I buy a lot of groceries at Costco and Target (5% target debit discount)), but then I realized you can buy gift cards at the grocery store and I'll get the 6% for those...so I'm definitely getting BCP. Blue Sky is nice for a straight 1.3% reward on everything, which I would use for non-category reward spending. I thought about the Costco card, but it doesn't make much sense for me if I do get the BCP. You would think the Costco card gave you more than 1% back at Costco, lol.
I have Zync now. The *only* reason I have it is because I wanted an Amex account open now to help me get the revolving cards later. The $25 AF only gets you a 1% reward, and their gift card selection (where you get the most for your points) is limited. I do buy quite a bit at Whole Foods, and the free Eco pack on the Zync gives you 2% at Whole Foods (an extra 1% + the standard 1%). The home pack was tempting (it's $15 but you get a $20 gift card to Lowes), as was the Beauty pack (another pack where a gift card outweighs the AF). Ultimately, I didn't sign up for any packs but the free ones. I'm closing the Zync as soon as I get either Blue Sky or BCP.
Delta Reserve , Platinum Charge, and SPG are my favs
If I had to pick "one" AmEx card, it would be the SPG. The Starwoods rewards program is the best in the business. 20k starwoods points receive a 20% bonus to any frequent flyer model, not to mention a whopping 5X when using the card at any of their properties.
But, for a straight 30k spending with airfare, the PR Gold can't be beat, especially when MR points can convert--if used opportunistically--at a rate of 5% for frequent mile bonuses. For example, last year, I found a deal to transfer MR points at a 50% bonus clip, and took advantage of a special from an airline to upgrade to business class for 60,000 miles. The $ cost of the upgrade would have been around $1,500. With the 50% bonus MR conversion, I only used 40,000 MR points for something worth %1,500.
The above illustrates why if used properly, MR points are superior to cash rewards.
I've had the Green since last May. I'll get to see how well the MR points work out for me when I book a trip later this year. But, I don't really travel extensively, so in general I tend to like cash back cards. The BCE looks really good, so if I were to get another Amex at some point that would be the one on my list.
I use my Zync like a debit card. Love it.
Recently got platinum. Been getting email offers from Amex. Today I had an offer for money off of an Emerites flight. Enjoying the card so far.