Hello everyone.
With my new capital one balance and CL reporting to my Experian which is now a 704 Fico 8, I finally have pre qualified offers from Amex. I have offers for the BC Everyday card, Everyday card, and the Cash Magnet.
They all have the 0% intro offers and no fee BT. But they don't have a fixed apr, they also come with their respective SUB.
BC Ed card: $200 credit with $1000 spend within 3 months.
Ed card: 25,000 MR points with $2000 spend with 3 months.
Cash Magnet card: $200 credit with $1000 spend.
Currently the CM & BC Ed cards have my attention. Although I already have an unlimited 1.5% cash back with my Cap 1 QS, it would be nice to have 0% for 15 months with the CM card. The 2% for gas stations, US department stores and 3% at supermarkets with the Ed card seems nice as well. Does anyone have a list of what qualifies as a US department store and supermarkets. I do most of my grocery shopping at HEB, and with a few times at Walmart. As a college student I might not be able to personally run a lot of spend with groceries but my parents can, they always spend around $400-$500 every 2-3 weeks on groceries. They always pay with cash so reimbursing me for the groceries won't be a problem, the 2% on gas would be nice since I'm always driving to school & the 3% at department stores is just a little bonus. I understand there are better gas cards but I can only work with what my Credit profile offers. Lol
Wondering what you guys and gals think, since I've read that if the apr isn't a set %, it might not be a good outcome. TIA for the knowledge. 
@Anonymous wrote:Hello everyone.
With my new capital one balance and CL reporting to my Experian which is now a 704 Fico 8, I finally have pre qualified offers from Amex. I have offers for the BC Everyday card, Everyday card, and the Cash Magnet.
They all have the 0% intro offers and no fee BT. But they don't have a fixed apr, they also come with their respective SUB.
BC Ed card: $200 credit with $1000 spend within 3 months.
Ed card: 25,000 MR points with $2000 spend with 3 months.
Cash Magnet card: $200 credit with $1000 spend.
Currently the CM & BC Ed cards have my attention. Although I already have an unlimited 1.5% cash back with my Cap 1 QS, it would be nice to have 0% for 15 months with the CM card. The 2% for gas stations, US department stores and 3% at supermarkets with the Ed card seems nice as well. Does anyone have a list of what qualifies as a US department store and supermarkets. I do most of my grocery shopping at HEB, and with a few times at Walmart. As a college student I might not be able to personally run a lot of spend with groceries but my parents can, they always spend around $400-$500 every 2-3 weeks on groceries. They always pay with cash so reimbursing me for the groceries won't be a problem, the 2% on gas would be nice since I'm always driving to school & the 3% at department stores is just a little bonus. I understand there are better gas cards but I can only work with what my Credit profile offers. Lol
Wondering what you guys and gals think, since I've read that if the apr isn't a set %, it might not be a good outcome. TIA for the knowledge.
Congratulations on getting your first Amex prequals! That is a really big deal. I've avoided their cash back cards because I personally don't like statement credits but I read other people being very happy with them. I can say that the 25k MR/2k is a great bonus for the Everyday.
congratulations on your prequal!
