topic Re: Which AMEX? in Credit Cards

Which AMEX?

Anonymous — Sun, 19 Apr 2015 22:40:44 GMT

Hey all,

I currently have three AMEX cards: Everyday, Blue Cash, and Green card.

I've been using my Everyday card as my daily driver and I pay it off in full every month. The Blue Cash I use for any longer term purchases that I want to pay over time (balance is under $300). The Green card I barely use but when I do, obviously pay in full each month.

I wanted some thoughts on what products (if any) I should product change into that may better suit my needs or perhaps yield better rewards. I spend around $2000 a month on my Everyday card currently.

My FICO score is 768.

Thanks in advance!

Re: Which AMEX?

jsucool76 — Sun, 19 Apr 2015 22:42:21 GMT

@Anonymous wrote:
Hey all,

I currently have three AMEX cards: Everyday, Blue Cash, and Green card.

I've been using my Everyday card as my daily driver and I pay it off in full every month. The Blue Cash I use for any longer term purchases that I want to pay over time (balance is under $300). The Green card I barely use but when I do, obviously pay in full each month.

I wanted some thoughts on what products (if any) I should product change into that may better suit my needs or perhaps yield better rewards. I spend around $2000 a month on my Everyday card currently.

My FICO score is 768.

Thanks in advance!

I'd say the Everyday and Everyday preferred cards are amex's two best. If you have an everyday card, cancel the amex green. you're throwing away $95 for nothing. You get better rewards on the everyday card.

I'd say your biggest advantage for rewards is to simply SAVE $95 a year by closing the green.

Re: Which AMEX?

Luscher — Sun, 19 Apr 2015 22:55:42 GMT

PRG is better than Green times 100

Re: Which AMEX?

Anonymous — Sun, 19 Apr 2015 22:57:36 GMT

@Luscher wrote:
PRG is better than Green times 100

Yeah I'm pretty sure the Green card is just around for nostalgia reasons.

Re: Which AMEX?

MT936 — Sun, 19 Apr 2015 22:58:59 GMT

blue cash everyday/preferred is the best amex card

Re: Which AMEX?

Anonymous — Sun, 19 Apr 2015 23:06:17 GMT

Yeah, I just don't think I'd use it enough to justify the higher annual fee.

Re: Which AMEX?

jsucool76 — Sun, 19 Apr 2015 23:07:59 GMT

There is no "the best" amex card.

IT's all about what OP plans on doing. Getting cash back, getting FF/Hotel points for travel, or carrying a balance.

What's the APR on your blue cash? If you plan on having a card to carry balances over time I would recommend NOT doing it on a rewards card unless it happens to have an intro APR period. Something like the barclaycard ring, or a card from a CU might serve you better. That is, unless, you have a ridiculously low APR on your blue cash.

Re: Which AMEX?

mongstradamus — Sun, 19 Apr 2015 23:08:17 GMT

@MT936 wrote:
blue cash everyday/preferred is the best amex card

I would have to disagree with that statment, if you are going for MR points those cards obviously aren't that good. If you are looking out for MR points i think PRG or everyday are both really good cards.

Re: Which AMEX?

Anonymous — Sun, 19 Apr 2015 23:09:56 GMT

@mongstradamus wrote:
@MT936 wrote:
blue cash everyday/preferred is the best amex card
I would have to disagree with that statment, if you are going for MR points those cards obviously aren't that good. If you are looking out for MR points i think PRG or everyday are both really good cards.

And some of us think the BCE is a fairly useless card (compared to e.g. Sallie Mae)

Re: Which AMEX?

mongstradamus — Sun, 19 Apr 2015 23:12:43 GMT

@Anonymous wrote:
@mongstradamus wrote:
@MT936 wrote:
blue cash everyday/preferred is the best amex card
I would have to disagree with that statment, if you are going for MR points those cards obviously aren't that good. If you are looking out for MR points i think PRG or everyday are both really good cards.
And some of us think the BCE is a fairly useless card (compared to e.g. Sallie Mae)

It is but this was about amex cards!!!

Re: Which AMEX?

Anonymous — Sun, 19 Apr 2015 23:15:00 GMT

And some of us are happy with BCE as a back up to SM so it is in fact useful!

Re: Which AMEX?

Anonymous — Sun, 19 Apr 2015 23:19:55 GMT

Thanks for the response.

I'm still in the introductory period on the Blue Cash, after my APR is 14.99%. I think my biggest use of points will be to erase purchases. Although the thought of airline reward miles is intriguing, I feel like I don't fly all that often (2-3 times a year at most).

Re: Which AMEX?

Anonymous — Sun, 19 Apr 2015 23:49:53 GMT

Well as soon as I got my 200 dollar freedom bonus I spent that on a Christmas gift. I damn sure I wish I turned that 200 dollars into a plane ticket. I would go for the airline miles.

Re: Which AMEX?

Anonymous — Sun, 19 Apr 2015 23:54:37 GMT

@Anonymous wrote:
And some of us are happy with BCE as a back up to SM so it is in fact useful!

And some of us will never spend enough on groceries and gas to need a back up to the Sallie Mae.

Re: Which AMEX?

Anonymous — Sun, 19 Apr 2015 23:58:57 GMT

lol this is true. I wish it was me sometimes Food runs my life

Re: Which AMEX?

Anonymous — Mon, 20 Apr 2015 00:11:08 GMT

@Anonymous wrote:
@Anonymous wrote:
And some of us are happy with BCE as a back up to SM so it is in fact useful!
And some of us will never spend enough on groceries and gas to need a back up to the Sallie Mae.

Who cares? Why not have it all!!!! That's what Nixon always says right ?

Re: Which AMEX?

jsucool76 — Mon, 20 Apr 2015 00:44:27 GMT

"I want it all
I want it all
I want it all

and I want it now! "

- Queen (but Nixon said it first) xD