topic Re: AMEX Green Card vs Gold Card in Credit Cards

AMEX Green Card vs Gold Card

Gatortrout — Tue, 11 Aug 2020 22:46:01 GMT

I am going to try to get back in with Amex sometime in next few months.

My question is, is the underwriting the same for both cards, or is the green the easiest to get?

Re: AMEX Green Card vs Gold Card

Anonymous — Tue, 11 Aug 2020 23:01:02 GMT

I think the general consensus is that the UW is the same for any charge

The POT feature and spending power will vary based on your profile

Re: AMEX Green Card vs Gold Card

M_Smart007 — Wed, 12 Aug 2020 00:06:52 GMT

@Gatortrout wrote:
I am going to try to get back in with Amex sometime in next few months.

My question is, is the underwriting the same for both cards, or is the green the easiest to get?

They should both have the same underwriting (UW).

Re: AMEX Green Card vs Gold Card

wasCB14 — Wed, 12 Aug 2020 01:32:10 GMT

Amex is getting more sensitive to bonus chasing. You might also consider a Delta Blue. Then you don't have to agonize, as many do, over whether to pay a $150 or $250 AF in a year for what may not be your ideal card.

Or would you want a Green or Gold longer-term?

Re: AMEX Green Card vs Gold Card

marcforza1 — Wed, 12 Aug 2020 03:52:07 GMT

Go with the one that you'll benefit the most out of if this is going to be a long-term card. A lot of people on here likes the Gold card, but a $250 AF may be steep for some folks. I think if Amex replaced the Clear or LoungeBuddy perk with maybe a $100 dining or hotel credit, then the Green would be more interesting to get.

Re: AMEX Green Card vs Gold Card

wasCB14 — Wed, 12 Aug 2020 10:34:33 GMT

@marcforza1 wrote:
Go with the one that you'll benefit the most out of if this is going to be a long-term card. A lot of people on here likes the Gold card, but a $250 AF may be steep for some folks. I think if Amex replaced the Clear or LoungeBuddy perk with maybe a $100 dining or hotel credit, then the Green would be more interesting to get.

That's the tradeoff of Amex charge cards. You can get a lot of credits if you're willing to jump through hoops (not necessarily difficult ones). But they can provide credits for X, Y, and Z on a card because they get a discount on X and Y and figure few people will particate in Z.

For instance, a lot of people won't buy CLEAR (infrequent flyers, people using airports that don't participate, and people who get it for free as an airline status perk). They probably only have to reimburse a small minority of customers.

Loungebuddy is often one of the more expensive ways to get access to a lounge. Given their limited network and inflated pricing, Amex probably negotiated a big discount on the Loungebuddy credit. Nor will everyone use the credit in full or at all.