2 ways to apply for BCE. Which is better?

Anonymous · ‎12-05-2014

Hello guys

I'm planning to apply for BCE these days but I found 2 ways to apply for that with different benefits, Amex official lik($50+1yr Amazon Prime) and Amex Universal Link ($25 + $100) . Does anyone can apply for Amex Universal? Or it is just for selected groups?

First: Amex offical offer. Link: https://www304.americanexpress.com/credit-card/compare/25330?linknav=us-CCSG-ProspectNav-ViewAllCard...

1: Get One Year of Amazon Prime Plus $50 Backafter you make $1,000 in purchases with your new Card in the first three months. You will receive $50 back in the form of a statement credit.

Second: Amex Universal offer. Link: https://www262.americanexpress.com/apply-card/uni/039/uni-hol-1

2: Earn a $25 Statement Credit after you use your Card on a Universal or other purchase within your first 3 months of Card Membership. Earn $100 back after you make $1,000 in purchases on your new Card within your first 3 months of Card Membership. You will receive $100 back in the form of a statement credit

chalupaman · ‎12-05-2014

Which benefit sounds more appealing to you? For me I went with the offer for Amazon Prime.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

Anonymous · ‎12-05-2014

@chalupaman wrote:
Which benefit sounds more appealing to you? For me I went with the offer for Amazon Prime.

+1

Whichever is worth more.

aav · ‎12-05-2014

I prefer the cash back, so it's really your preference.

EQ - 834 TU - 823 EX - 822
Amex NPSL Amex BCP - 25,000, Amex EDC - 12000, Diner's Club Premier -35,000, Ritz Carlton - 22,500 Discover 25,100, Chase Reserve -31,000 Total Rewards 13200, Barclay 10000 Citi Diamond P 8,900