amex cards..

[afbar1114]

well maybe my score is high enough for it.....lol

[Anonymous]

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@afbar1114 wrote:

well maybe my score is high enough for it.....lol

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Your score might be, but you have quite a few inquiries and AMEX doesn't like inquiries.

[Ron1]

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@afbar1114 wrote:

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@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.

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what cards would be harder to get ?

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I think BCE and Costco are harder to get. Charge Cards should be easy to get.

Ron.

[Ron1]

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@afbar1114 wrote:

well maybe my score is high enough for it.....lol

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You might be able to get Amex Green with your score.

Ron.

[JustMe77]

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.

[anderl]

Delta Reserve , Platinum Charge, and SPG are my favs

[Open123]

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.

[tinuviel]

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.

[learnin113]

I use my Zync like a debit card.  Love it.

[Anonymous]

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.