topic Re: Help with amex line up in Credit Card Applications

Help with amex line up

Anonymous — Mon, 26 Nov 2018 22:30:58 GMT

Im looking to app for another amex card. The only card I dont have is a travel card so Im thinking the amex delta card would work. Im looking at the delta platinum , delta reserve, or amex bce preferred. I fly once a month. Which card normally has the highest SL? The minimum amount that I have traveled in the last 10 years was about 6 times a year. Are the amount of times that I travel too low for the amex delta cards with annual fees? Would I fare better just getting the bce with no annual fee?

Re: Help with amex line up

FinStar — Mon, 26 Nov 2018 22:35:55 GMT

Not much to go by given limited information you've shared plus the "highest" SL really boils down to your overall profile OP. Have you checked to see whether any of these AmEx contenders are pre-approved for you?

Re: Help with amex line up

Anonymous — Mon, 26 Nov 2018 22:54:28 GMT

@FinStar wrote:
Not much to go by given limited information you've shared plus the "highest" SL really boils down to your overall profile OP. Have you checked to see whether any of these AmEx contenders are pre-approved for you?

Okay what other info is needed? Yes, I am pre-approved for all of the cards listed. Household income is 6 figures. I just didnt want to apply and get the annual fee of almost 500 bucks and then get a credit line of 500 dollars lol. I want to have room to meet the sign up bonus within the first 2 months.

Re: Help with amex line up

FinStar — Mon, 26 Nov 2018 23:21:12 GMT

What are your current FICO scores, overall utilization, AAoA, what is your highest CL, have you opened any other tradelines within the past 6-12 months, do you currently have any other AmEx revolvers, etc.

Re: Help with amex line up

RonM21 — Mon, 26 Nov 2018 23:24:54 GMT

@Anonymous wrote:

I just didnt want to apply and get the annual fee of almost 500 bucks and then get a credit line of 500 dollars lol. I want to have room to meet the sign up bonus within the first 2 months.

Now that would not be a pretty sight if that happened Could you imagine that really happening to someone?

Re: Help with amex line up

AverageJoesCredit — Tue, 27 Nov 2018 00:05:11 GMT

How does one get a card with a $500 AF and $500 limit?

Re: Help with amex line up

Anonymous — Tue, 27 Nov 2018 02:38:29 GMT

There are a few good articles comparing all the Delta cards that are pretty helpful that you should check out. I personally keep the Delta Gold for one reason only; priority boarding. I buy the cheap basic economy tickets knowing I have priority boarding to guarantee my overhead space for my carryon, I don’t use the free checked bag (great feature if you check bags) or even buy Delta flights with the card. I would say that the Delta Platinum would be better value to me because of the annual companion certificate, but I just haven’t asked to upgrade. If you are willing to pay for the Delta Reserve, have you looked at the Amex Platinum? It gets you many more benefits and lounge access for $100 more, plus earn 5x points on all airline purchases. Another recommendation is the AMEX Gold, it’s more popular now as a restaurant and grocery card, but it does get 3x points on flights and $100 airline fee credit.

Re: Help with amex line up

Anonymous — Tue, 27 Nov 2018 03:28:24 GMT

@AverageJoesCredit wrote:
How does one get a card with a $500 AF and $500 limit?

Hahaha, right?

OP, they would give a higher credit line than that, I woul even say at least 5k or even 10k for the Delta Reserve.

Re: Help with amex line up

Meanmchine — Tue, 27 Nov 2018 05:12:35 GMT

@AverageJoesCredit wrote:
How does one get a card with a $500 AF and $500 limit?

Get balance chased

Re: Help with amex line up

charp150 — Tue, 27 Nov 2018 06:41:21 GMT

If your aim is to accrue Delta award miles the co-branded AMEX cards might not be the best option as there are no good category multipliers. Purchases outside of Delta earn 1 mile per dollar. Not a great ROI. You might be better served with a card that accrues MR points and has good multipliers (like AMEX Gold) and transferring points to Delta at 1:1 ratio. You can earn MQM’s (with minimal annual spend) and get an MQD waiver but this is only important if doing so would put you in reach of a higher status level. There’s also the companion ticket award you get with Platinum and Reserve. The high AF with the Reserve is attributed to the SkyClub access (which you can also get with the Platinum charge card).

Re: Help with amex line up

Brian_Earl_Spilner — Tue, 27 Nov 2018 06:44:13 GMT

@AverageJoesCredit wrote:
How does one get a card with a $500 AF and $500 limit?

Get a First Premier.

@Where's @UncleB with my rimshot?

Re: Help with amex line up

Anonymous — Wed, 28 Nov 2018 02:28:00 GMT

I concur will those who recommended Platinum > Delta Reserve. If you are willing to spend the AF on DR then think of spending $100 more to earn the right to 5x your Delta flights(and all flights direct) versus 2x on Delta flights with DR. PLUS the AMEX and Priority Pass lounges on top of the Delta lounges, plus baggage fee reimbursement, plus the Uber credits, plus the potential hotel perks, plus the status on SPG and Hilton, and something else but you get the point.

Assuming you're using a card to get perks versus carry a balance the Platinum is a no brainer compared to DR. The only reason to pick the DR would be if you put a ton of spend on there and really really really value Delta status and don't fly out of ATL or DFW. ....or if your annual baggage fees are just so much that you can't justify the perks of Platinum.

there are plenty of solid travel cards out there by other banks as well(currently seeking some myself) but since you're asking about AMEX I'd like to throw it out there that I think people are sleeping on the Hilton Aspire and the SPG Luxury cards.

Both come with Priority Pass and property credits, both also get points on flights purchased direct on top of large bonus points on general spend and branded spend.

Re: Help with amex line up

Anonymous — Thu, 29 Nov 2018 18:52:15 GMT

Hi OP, i would go with either of these choices below.

1. AMEX Platinum and AMEX EDP

2. AMEX Delta Platinum (annual companion certificate) and AMEX EDP

Both options above will let you collect MRs quickly...is a matter of wanting lounches over the travel companion certificate.

I have all three. I use the EDP to collect MRs on categories, the AMEX Delta Platinum for the annual certificate (used for son or spouse when we travel) and the AMEX Platinum for lounches and other perks.