@Anonymous wrote:Hi all! It's been past 6 months now since I've had good credit history and I am ready to apply for another great card to build my "thin file." I was contemplating on going with Discover, but decided I would like to try AMEX (and especially because they are backdating). My only problem is trying to figure out what my odds of approval would be to apply for one of their charge cards. AMEX seems like a company where you need superb credit and great income to have one of their cards, for some reason. I know the BCE card everyone likes, but I'm thinking about going for the AMEX Green Card or the main AMEX Gold Card. The PRG's annual fee is a little too much for my liking.
Here are some stats about me:
0.62 AAoA
724 credit score (TU)
2 inquiries (One EX and other TU)
$18,000 annually
19 years old
One (and first) credit account opened May 2014- BOA Cash Rewards Platinum Plus $750 CL - 3% utilization currently
You may try for a Discover It and or a AMEX PRG. The PRG's standard offer is 25,000 MR and first annual fee waived, Take advantage of it 
@Anonymous wrote:Hi all! It's been past 6 months now since I've had good credit history and I am ready to apply for another great card to build my "thin file." I was contemplating on going with Discover, but decided I would like to try AMEX (and especially because they are backdating). My only problem is trying to figure out what my odds of approval would be to apply for one of their charge cards. AMEX seems like a company where you need superb credit and great income to have one of their cards, for some reason. I know the BCE card everyone likes, but I'm thinking about going for the AMEX Green Card or the main AMEX Gold Card. The PRG's annual fee is a little too much for my liking.
Here are some stats about me:
0.62 AAoA
724 credit score (TU)
2 inquiries (One EX and other TU)
$18,000 annually
19 years old
One (and first) credit account opened May 2014- BOA Cash Rewards Platinum Plus $750 CL - 3% utilization currently
Would you be open to go for an revolver, because ED is an pretty nice card for MR points and no AF compared to the Gold and Green. As a side note amex almost exclusively pulls ex so getting an ex fico score just to see where you are would be probably good idea before you app. I don't think requirements are that strict for amex anymore, when i apped for BCP last year i was able to get approved with sub 700 fico. You may not get best terms and initial CL but its doable.
@Anonymous wrote:Thank you for the reply! That's my problem, however. I know the first year it's waived and you get all these sign-up bonus points at first, but you have to pay $175 every single year for the rest of your cards lifespan. It feels like a expensive commitment, haha.
You could app it now and app for a AMEX revolver early next year and keep the backdating 
You won't have to pay that annual fee unless you want to. Trust me
@Anonymous wrote:Thank you for the reply! That's my problem, however. I know the first year it's waived and you get all these sign-up bonus points at first, but you have to pay $175 every single year for the rest of your cards lifespan. It feels like a expensive commitment, haha.
well you could apply for prg and get 25k for first year with no AF , and then apply for Everyday card the next year , and keep all your MR points when you cancel PRG. The everyday card is 2x groceries 1x everything else with no af thats the important part. Its the only no af card in existance that i know of that can transfer to airline partners.
PRG will have the most incentive/easiest approval.
I just got approved for PRG with 6 months CH.
You should do it, they denied me 2 times before and stated I needed 6 months to be approved.
Let us know !