Complicated AMEX Decision?

[Anonymous]

Since I am going to start using my new card and not my PRG (given I am approved, of course), should I get a BCE or Everyday since I only have like 200 MR points anyways? The BCE has a lot more attractive benefits to me for some reason, lol. 

[Anonymous]

Regardless of which one, I guess I shouldn't be too worried about it because of that extremely great benefit of being an AMEX cardholder: SP for denial, HP for approval.  

[Anonymous]

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@Anonymous wrote:

Regardless of which one, I guess I shouldn't be too worried about it because of that extremely great benefit of being an AMEX cardholder: SP for denial, HP for approval.  

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Not always, but sure.

[Anonymous]

Nixon, don't make me get paranoid now. You remember a few weeks back, lol. 

[Anonymous]

+1. Creditaddict makes sense. 

[Anonymous]

Agreed. 

I still, unfortauntely, can't decide which one I want to apply for. I'm stuck between a Blue Cash Everyday and the Everyday.... Maybe you guys can help me here. 

My spending goes like this: Restaurants (huge), gasoline, and department stores. I do like that you can transfer your points on the ED, however. I don't use Amazon, so I could care less about the sign-up bonuses and whatnot. 

[Anonymous]

Everyday im hearing is an easier approval than a BCE.

[Anonymous]

Ouch. I wonder why? I thought they had the same underwriting. 

I do, however, like that no APR for 15 months. 

[Anonymous]

It's definitely personal preference but I have both but use my BCE more than Everyday. I like the straight cash back vs MR points.

[Anonymous]

I think about the cash back and I always find myself liking that more than MR points. Ugh, such a bind. LOL.