AMEX aprovals

[Anonymous]

Hello all,

First post here but have been reading for awhile. My question is this, I was just recently approved for the American Express Delta Gold card for 2k last Friday (8/3/18) and was wondering if I should try applying for another AMEX with cash back rewards as well. I was looking at either the American Express Cash Magnet, or the Blue Cash Everyday. When I was just sent the Delta card my FICO attached was 683. I was wondering how likely I am to be approved for a second card, and if so when should I apply and which to go for?

[FinStar]

Hi OP and welcome to the forums!

Have you done the math to determine which of those two CCs will yield the best benefits rewards-wise or provide the benefits that fit your spending? Have you checked to see if you pre-qualify for any additional AmEx cards?

[polaris2011]

I got the Cash Magnet and Everyday cards one day apart at a cost of 2 HPs, so definitely check the prequalify page first. 

Good luck!

[Anonymous]

Thanks for the warm welcome. From my understanding, both of these cards are almost the same in terms of cash back. I am just not sure if one is viewed to be more valuable than the other, or easier to get? I have tried to look into the prequalify section on American Express but every single time I do, the page neved loads and displays a message that there was a problem.

[Anonymous]

Congrats on both of the cards. If I understand how AE works correctly; if you were already an AMEX customer and then applied for a second card, the initial inquire would result in a SP if denied, but then if approved would result in a second HP? Do I have this correct?

[Caught750]

That's not necessarily true. Existing customers can get new cards without a HP at all. In February I got approved for BCE w a HP(first card), next day PRG (HP) with 50k SUB. Since then I've added HH and Delta Gold both SP. I'll be adding Platinum and EDC in a few months.

Also BCE is a 3/2/1 card where Cash Magnet is a general 1.5% CB across the board.

[Anonymous]

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@Anonymous wrote:

Congrats on both of the cards. If I understand how AE works correctly; if you were already an AMEX customer and then applied for a second card, the initial inquire would result in a SP if denied, but then if approved would result in a second HP? Do I have this correct?

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Posted this to another thread earlier today....for what it's worth!

I can only share my experience, but you may want to have some of the more experienced users weigh in... I, too, read right here in the forum about the AMEX 2 for 1. Was skeptical, and leery given where I was score-wise (not far from where you are now). In January this year I applied through CK (believe it or not) and was approved for both the AMEX BCP and the PRG on the same day. Only 1 Exp inquiry. The 2-for-1 TOTALLY worked for me. I just recently added the Plat via online invite, and was a SP. So far, 3 AMEX, only 1 HP. Again, this is my experience, and I wish you the best as you decide how to move forward; and of course, all the success should you decide to apply!

[Anonymous]

Hi everyone!

I'm new in the forum and while searching in the web about AmEx I was led into this site.

I'm planning to inquire for AmEx but the prequalify option doesn't work.

[Anonymous]

You're not alone, I still cannot seem to get the prequal page to load for me. I've tried clearing cookies, and using multiple devices and browsers all with no luck.

[Anonymous]

Thanks for all the insight and congrats on all of your AMEX success. I am debating on whether or not to pull the trigger and go for the BCE. Now I'm also debating on whether or not I should wait until I fulfill my requirements for the bonus miles on my Delta Gold.