CSP or Amex? Not sure

[Spanky23]

FAKOs on CK are 750 and 740

Did the $1 deal on TU and got a 797 out of like 950

Credit Sesame shows 750

Experian shows 750 as well with their $1 deal

Student

30k a year, large student loans (going to be paying down a LARGE portion this next year)

AAoA is 1 year 10 months

Cards are currently

Best Buy - 3k

Chase Freedom - 5400

Discover IT - 3400

Thinking since Chase pulls TU in Indiana (TU only shows 2 INQ), maybe ask for CLI on Freedom and CSP app all in one night, hope for a one pull? I'd like to get in with Amex as well but will probably garden for a year or so whichever card I decide to go with. I've had the Freedom for 6 months now. Or maybe I should just garden for a year anyways, pay down loans, then go on a mini spree? I'd hit the spending limit on the CSP easily as we're going on a trip here soon and I have money saved up, but maybe gardening is just worth the wait. I've usually waited 6 months if not more in between any apps.

[Anonymous]

I would go for the Amex bce!!

[Spanky23]

The BCE is another possibility, though I would probably try to go for PRG (pre-approved) at the same time and get it on one pull

[Anonymous]

Go for it!!!

[Spanky23]

Any other thoughts?

[jason86423]

Amex 2 for 1

Delta, Blue Cash Everyday or the Every Day card (MR points to go with a charge card)

[Anonymous]

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@Spanky23 wrote:

The BCE is another possibility, though I would probably try to go for PRG (pre-approved) at the same time and get it on one pull

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The PRG has a hefty annual fee. Will your spending habits produce enough in rewards to cover it?

[Spanky23]

True, didn't think of that. I'd like to go 2 for 1 when I go Amex, and thought the same with CSP since TU has the least amount of inquiries (all are 7 or less)

[Anonymous]

I opted for the Amex BCP for the 6% back on groceries and 3% on gas. I won't reach the $6000 limit in groceries, so it's fine for me. My annual income is also less than yours, btw.

[Anonymous]

Others have also posted that the CSP requires a higher income, something closer to 40K or above. But there are some who've carried other Chase cards who appd CSP with 30K income and were approved. So just something you might want to weight prior to apping the CSP.