topic Re: Amex Everyday or Delta Gold? in Credit Cards

Amex Everyday or Delta Gold?

Forte747 — Wed, 18 Jun 2014 15:08:45 GMT

Hi everyone,

I have had my AMEX PRG since early May2014 now. The first month, I charged about $2000 then paid it as soon as I got the Statement. I currently have a balance of $5600 that I ofcourse will pay off in a couple of days once they close their statements.

The questions I need help with are;

1- Should I first make the payment before applying for a Revolving CC from AMEX?

2- Which Revolving card(s) would you recommend? I'm torn btn Everyday and Delta Gold Or Costco

On a hindsight note, 3 days ago, I applied and was approved a day later for a Navy goRewards Visa CL $7,000 (on its way now) woohoo.

my income is $72k, no collections, paid off judgement from 2009, two 30-day lates on a secured card with a horrible billing system.

What are your thoughts folks?

Re: Amex Everyday or Delta Gold?

jlpaca — Wed, 18 Jun 2014 15:26:51 GMT

I'm interested in what people's thoughts are on this also. I'm kind of in the same boat as to which card compliments the gold well.

Re: Amex Everyday or Delta Gold?

CWL — Wed, 18 Jun 2014 15:46:09 GMT

I went with the everyday pref - Ill tell you, its a game to get those 30 transactions /mth for me WHILE using max benefit

The 4.5 pt for grocery and 3 pt for gas (after hitting 30 trans mth) are making the points rack up very fast.

AWESOME card in my opinion (and yes, I have PRG as well)

Re: Amex Everyday or Delta Gold?

takeshi74 — Wed, 18 Jun 2014 17:16:59 GMT

@Forte747 wrote:
Which Revolving card(s) would you recommend?

As always with these questions what are you specifically looking for? What are you major spend categories? Any preferences on rewards? Give us something to work with to narrow down the options.

@Forte747 wrote:
I'm torn btn Everyday and Delta Gold Or Costco

Why did you select these three?

Re: Amex Everyday or Delta Gold?

ezdoesit — Wed, 18 Jun 2014 18:49:04 GMT

@takeshi74 wrote:
@Forte747 wrote:
Which Revolving card(s) would you recommend?
As always with these questions what are you specifically looking for? What are you major spend categories? Any preferences on rewards? Give us something to work with to narrow down the options.

@Forte747 wrote:
I'm torn btn Everyday and Delta Gold Or Costco
Why did you select these three?

Exactly. Out of these three cards you picked which would benefit you more MR points, airlines miles which you can accrue with the EDP or the cashback with the TE card.

For me it is the PRG and EDP because I want all the same reward structure also the option to convert to transfer partners in the future.

For you it might not be the same but don't get the Delta if you don't fly Delta and just for the sake of getting a revolver with them. Get a card that works for you. Also I think your rushing a little in applying for a revolver with them right now because your scores are on the lower end why not wait til you have 6 months history preferably a year would be best plus it will allow you scores to go up in the process with age. Just my two cents.

Re: Amex Everyday or Delta Gold?

Anonymous — Wed, 18 Jun 2014 18:51:40 GMT

Delta isn't an option for me as they don't fly nonstop to my usual vacation spots. So, I have the EDP and a Platinum. That gives me traveling benifits + the ability to rack up MR points with the EDP.

Re: Amex Everyday or Delta Gold?

Forte747 — Wed, 18 Jun 2014 19:40:55 GMT

@takeshi74 wrote:
@Forte747 wrote:
Which Revolving card(s) would you recommend?
As always with these questions what are you specifically looking for? What are you major spend categories? Any preferences on rewards? Give us something to work with to narrow down the options.

@Forte747 wrote:
I'm torn btn Everyday and Delta Gold Or Costco
Why did you select these three?

My Spend Categories vary every month. I go to Costco 1 - 2 times a Month.

I Fly out of the country 1 - 2 times a year, and about every 6 - 8 weeks within the Country.

Plus I would like to have a Revolving CC with No Annual Fee and decent Rewards. This is why I thought One of these 3 CCs will suit me.

Thanks

Re: Amex Everyday or Delta Gold?

Forte747 — Wed, 18 Jun 2014 19:46:40 GMT

@ezdoesit wrote:
@takeshi74 wrote:
@Forte747 wrote:
Which Revolving card(s) would you recommend?
As always with these questions what are you specifically looking for? What are you major spend categories? Any preferences on rewards? Give us something to work with to narrow down the options.

@Forte747 wrote:
I'm torn btn Everyday and Delta Gold Or Costco
Why did you select these three?
Exactly. Out of these three cards you picked which would benefit you more MR points, airlines miles which you can accrue with the EDP or the cashback with the TE card.

For me it is the PRG and EDP because I want all the same reward structure also the option to convert to transfer partners in the future.

For you it might not be the same but don't get the Delta if you don't fly Delta and just for the sake of getting a revolver with them. Get a card that works for you. Also I think your rushing a little in applying for a revolver with them right now because your scores are on the lower end why not wait til you have 6 months history preferably a year would be best plus it will allow you scores to go up in the process with age. Just my two cents.

Thanks, I guess its just that itch after applying and getting approved for the goRewards with NAVY FCU I thought this might be the right time.

Re: Amex Everyday or Delta Gold?

Anonymous — Wed, 18 Jun 2014 20:01:29 GMT

@ezdoesit wrote:

For me it is the PRG and EDP because I want all the same reward structure also the option to convert to transfer partners in the future.

That's certainly reasonable, but there has been a lot of discussion about whether there is too much duplication between these cards, in particular people dropping PRG and getting the EDP instead. With the lower AF, and especially the 1.5MR on non-category spend, it seems like EDP will out-earn PRG on a number of spending patterns.

So! With your EDP, will you still be getting value from your PRG?

Re: Amex Everyday or Delta Gold?

ezdoesit — Wed, 18 Jun 2014 21:30:20 GMT

@Anonymous wrote:
@ezdoesit wrote:
For me it is the PRG and EDP because I want all the same reward structure also the option to convert to transfer partners in the future.

That's certainly reasonable, but there has been a lot of discussion about whether there is too much duplication between these cards, in particular people dropping PRG and getting the EDP instead. With the lower AF, and especially the 1.5MR on non-category spend, it seems like EDP will out-earn PRG on a number of spending patterns.
So! With your EDP, will you still be getting value from your PRG?

I agree that is what I am starting think myself I am probably cancelling my PRG for this reason unless they offer me a 50k retention bonus that has been offered to some members on the forum.

I only brought up those two cards as if two Amex cards were the only choice in his scenario.

Re: Amex Everyday or Delta Gold?

B335is — Thu, 19 Jun 2014 01:21:54 GMT

Are you flying Delta exclusively on your trips? The free checked bag is nice since carrying anything onboard is always like herding cats. I know it isn't on your list but I would go for SPG since it has good partner redemption and gives more flexibility. Delta miles are just about worthless (great airline though) and unless you have a generous bonus I don't think the card pays for itself or the hard pull.

Re: Amex Everyday or Delta Gold?

Forte747 — Thu, 19 Jun 2014 02:00:47 GMT

@B335is wrote:
Are you flying Delta exclusively on your trips? The free checked bag is nice since carrying anything onboard is always like herding cats. I know it isn't on your list but I would go for SPG since it has good partner redemption and gives more flexibility. Delta miles are just about worthless (great airline though) and unless you have a generous bonus I don't think the card pays for itself or the hard pull.

Good to know! I've used Delta on a few occasions. Most of my flights are last minute trips. The other aspect I considered is based on the posts I've read, it seemed like Delta Gold was the easiest Revolver to get here. I'll look into the SPG as well.

Re: Amex Everyday or Delta Gold?

Anonymous — Thu, 19 Jun 2014 03:22:03 GMT

You didn't mention your family situation, do you commonly travel alone or with family?

You might want to consider the Amex Delta Platinum card. It has a higher annual fee, but you get 1 free companion ticket each year. The value of the companion ticket alone will cover the annual fee for most flights.

Re: Amex Everyday or Delta Gold?

Forte747 — Thu, 19 Jun 2014 11:34:17 GMT

@Anonymous wrote:
You didn't mention your family situation, do you commonly travel alone or with family?

You might want to consider the Amex Delta Platinum card. It has a higher annual fee, but you get 1 free companion ticket each year. The value of the companion ticket alone will cover the annual fee for most flights.

It's usually just me. Good to know

Re: Amex Everyday or Delta Gold?

Anonymous — Thu, 19 Jun 2014 16:57:19 GMT

Is Priority Pass of any interest to you? You mention you travel very often, airport lounges can be much more comfortable (and accommodating with free food and drinks usually) than waiting at the gates where you don't always get Wifi and have to pay for refreshments. If so, you could look at the Platinum card. You get a $200 yearly airline reimbursement, bringing you AF down to $250. But, you also get unlimited airport lounge access (unfortunately no longer at American Airlines or US Airways), which if purchased through Priority Pass, is a $400 value. Amex added boingo to their list of features which also gives you access to tons of wifi hotspots. I expected this to be limited, but I surprising found a hotspot in a small town where I was having a lunch. It was great because the 4G service their was limited. You automatically receive Gold Preferred Membership at Starwood. On top of that, there are lots of travel insurances (baggage and car rental).

Re: Amex Everyday or Delta Gold?

Forte747 — Thu, 19 Jun 2014 18:55:45 GMT

@Anonymous wrote:
Is Priority Pass of any interest to you? You mention you travel very often, airport lounges can be much more comfortable (and accommodating with free food and drinks usually) than waiting at the gates where you don't always get Wifi and have to pay for refreshments. If so, you could look at the Platinum card. You get a $200 yearly airline reimbursement, bringing you AF down to $250. But, you also get unlimited airport lounge access (unfortunately no longer at American Airlines or US Airways), which if purchased through Priority Pass, is a $400 value. Amex added boingo to their list of features which also gives you access to tons of wifi hotspots. I expected this to be limited, but I surprising found a hotspot in a small town where I was having a lunch. It was great because the 4G service their was limited. You automatically receive Gold Preferred Membership at Starwood. On top of that, there are lots of travel insurances (baggage and car rental).

Thanks JD, i was aware of some of the Perks but my goal would be to avoid paying the AF completely. BTW based on your experience, do u advise applying for a revolver before or after paying my PRG balance. The statement should be ready in a couple of days?

Re: Amex Everyday or Delta Gold?

Anonymous — Thu, 19 Jun 2014 22:11:07 GMT

@Forte747 wrote:
@Anonymous wrote:
Is Priority Pass of any interest to you? You mention you travel very often, airport lounges can be much more comfortable (and accommodating with free food and drinks usually) than waiting at the gates where you don't always get Wifi and have to pay for refreshments. If so, you could look at the Platinum card. You get a $200 yearly airline reimbursement, bringing you AF down to $250. But, you also get unlimited airport lounge access (unfortunately no longer at American Airlines or US Airways), which if purchased through Priority Pass, is a $400 value. Amex added boingo to their list of features which also gives you access to tons of wifi hotspots. I expected this to be limited, but I surprising found a hotspot in a small town where I was having a lunch. It was great because the 4G service their was limited. You automatically receive Gold Preferred Membership at Starwood. On top of that, there are lots of travel insurances (baggage and car rental).
Thanks JD, i was aware of some of the Perks but my goal would be to avoid paying the AF completely. BTW based on your experience, do u advise applying for a revolver before or after paying my PRG balance. The statement should be ready in a couple of days?

My charge card balance never affected my revolver approvals. I had the BCE at one point which I app'd for with a payment due in a few days. Did the same thing when I app'd for the Everyday Preferred.

Re: Amex Everyday or Delta Gold?

Forte747 — Fri, 20 Jun 2014 01:56:15 GMT

@Anonymous wrote:
@Forte747 wrote:
@Anonymous wrote:
Is Priority Pass of any interest to you? You mention you travel very often, airport lounges can be much more comfortable (and accommodating with free food and drinks usually) than waiting at the gates where you don't always get Wifi and have to pay for refreshments. If so, you could look at the Platinum card. You get a $200 yearly airline reimbursement, bringing you AF down to $250. But, you also get unlimited airport lounge access (unfortunately no longer at American Airlines or US Airways), which if purchased through Priority Pass, is a $400 value. Amex added boingo to their list of features which also gives you access to tons of wifi hotspots. I expected this to be limited, but I surprising found a hotspot in a small town where I was having a lunch. It was great because the 4G service their was limited. You automatically receive Gold Preferred Membership at Starwood. On top of that, there are lots of travel insurances (baggage and car rental).
Thanks JD, i was aware of some of the Perks but my goal would be to avoid paying the AF completely. BTW based on your experience, do u advise applying for a revolver before or after paying my PRG balance. The statement should be ready in a couple of days?
My charge card balance never affected my revolver approvals. I had the BCE at one point which I app'd for with a payment due in a few days. Did the same thing when I app'd for the Everyday Preferred.

I will apply in the next couple of days, I just have to decide on which one. Thanks a lot

Amex Everyday Declined instantly......Recon In Process...

Forte747 — Sat, 21 Jun 2014 04:20:25 GMT

So after getting my Navchek Approval yesterday, the App itch kicked in high gear and I Applied for the Amex Everyday.

i was instantly declined. so i called the new accounts dept to find out why and the Rep went through a list of reasons why I was declined. He then paused and said he noticed I already have the PRG card.

so he says the 2 main reasons are;

- Length on time with Amex is too short (2 months)

- Too many recent inquiries (13 on Exp)

He then says he is going to have a supervisor review my Application since I'm an existing card holder, I should get a response in 5-7 work days.

Status now changed from "Declined" to "In Process"

I hope it goes through (fingers crossed) no more Apps for me till Jan 2015.

Has anyone else gone through this before?

Re: Amex Everyday Declined instantly......Recon In Process...

Anonymous — Sat, 21 Jun 2014 20:29:17 GMT

@Forte747 wrote:
So after getting my Navchek Approval yesterday, the App itch kicked in high gear and I Applied for the Amex Everyday.
i was instantly declined. so i called the new accounts dept to find out why and the Rep went through a list of reasons why I was declined. He then paused and said he noticed I already have the PRG card.
so he says the 2 main reasons are;

- Length on time with Amex is too short (2 months)
- Too many recent inquiries (13 on Exp)

He then says he is going to have a supervisor review my Application since I'm an existing card holder, I should get a response in 5-7 work days.

Status now changed from "Declined" to "In Process"

I hope it goes through (fingers crossed) no more Apps for me till Jan 2015.

Has anyone else gone through this before?

I was excited about the EDP card too at first, but If you plan on spending more than $6,000 on it then your points will go to 1X/$1 earning rate.