Amex BCP or EDP

[Goro48]

Hi everyone,

Been rebuilding my credit since 2013 and have been pretty well so here's my question-

Looking to apply for an AMEX BCP or EDP (not sure what i want more-cash back or MR pts) and wanted to gauge what my chances are in getting either-

Current Fico 8 Exp-769
Total credit lines over 3 credit cards is $12,500 and a AMEX PRG ($250 balance)
CC utilization:1-1.5% ($230 out of 12.5k CL)
AAoA- 1yr 6 months

The reason for an AMEX cc is the MSD backdating (MSD 2013) the potential for a 3 x cli, then either MR pts or cash back.

Any advice would be appreciated!

[mongstradamus]

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@Goro48 wrote:
Hi everyone,

Been rebuilding my credit since 2013 and have been pretty well so here's my question-

Looking to apply for an AMEX BCP or EDP (not sure what i want more-cash back or MR pts) and wanted to gauge what my chances are in getting either-

Current Fico 8 Exp-769
Total credit lines over 3 credit cards is $12,500 and a AMEX PRG ($250 balance)
CC utilization:1-1.5% ($230 out of 12.5k CL)
AAoA- 1yr 6 months

The reason for an AMEX cc is the MSD backdating (MSD 2013) the potential for a 3 x cli, then either MR pts or cash back.

Any advice would be appreciated!

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If you want to use MR points for travel than EDP , if you want cash back then BCP. Just know that there are probably better options for cash back for gas and groceries than BCP. 

[barthooper]

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@mongstradamus wrote:

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@Goro48 wrote:
Hi everyone,

Been rebuilding my credit since 2013 and have been pretty well so here's my question-

Looking to apply for an AMEX BCP or EDP (not sure what i want more-cash back or MR pts) and wanted to gauge what my chances are in getting either-

Current Fico 8 Exp-769
Total credit lines over 3 credit cards is $12,500 and a AMEX PRG ($250 balance)
CC utilization:1-1.5% ($230 out of 12.5k CL)
AAoA- 1yr 6 months

The reason for an AMEX cc is the MSD backdating (MSD 2013) the potential for a 3 x cli, then either MR pts or cash back.

Any advice would be appreciated!

---

If you want to use MR points for travel than EDP , if you want cash back then BCP. Just know that there are probably better options for cash back for gas and groceries than BCP. 

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This is my dilemma about Amex. I'm only interested in cash back, but the only offering they've got for that is BCE/BCP, and I've already got a Sallie Mae which covers gas/groceries for me and I'm under the monthly caps. I wish they had another card for cash back but I understand their focus is with MR.