I may have caught the apping disease, do I want AMEX?

[Anonymous]

I have 3 cards with a combined CL > $40K, I've had 3 cards for 8 years, I don't need any new cards (I also have a hidden business credit card with $12K limit).

One of my cards is an USAA Amex

While surfing the forum, I found a link for the AMEX preapproval site, so I checked it out for fun.

Offered

PRG with the 50,000 bonus and AF waived first year

EDP with the 25,000 bonus and AF waived first year with a 12.99% interest rate listed

Also got the Delta offer, but I don't fly.

My EX is 725, do the offers get much better i?

I could easily meet the spend, I could easily run the 30 transactions a month.

I have no idea how to use the points or what I would use them on anyway

Two cards from one pull?

I haven't had a pull on EX since August 2013...

[mikelo22]

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@Anonymous wrote:

I have 3 cards with a combined CL > $40K, I've had 3 cards for 8 years, I don't need any new cards (I also have a hidden business credit card with $12K limit).

One of my cards is an USAA Amex

While surfing the forum, I found a link for the AMEX preapproval site, so I checked it out for fun.

Offered

PRG with the 50,000 bonus and AF waived first year

EDP with the 25,000 bonus and AF waived first year with a 12.99% interest rate listed

Also got the Delta offer, but I don't fly.

My EX is 725, do the offers get much better i?

I could easily meet the spend, I could easily run the 30 transactions a month.

I have no idea how to use the points or what I would use them on anyway

Two cards from one pull?

I haven't had a pull on EX since August 2013...

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You can't beat that 50k MR bonus for the PRG. The best you'll ever find. And if you get the EDP, once the AF comes due on the PRG, you can cancel it and the EDP will be there to keep your MR balance.

If you don't find the EDP worth the AF either, you can just reduce it to the ED.

I'd go for it!

[DeeBee78]

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@Anonymous wrote:

I have 3 cards with a combined CL > $40K, I've had 3 cards for 8 years, I don't need any new cards (I also have a hidden business credit card with $12K limit).

One of my cards is an USAA Amex

While surfing the forum, I found a link for the AMEX preapproval site, so I checked it out for fun.

Offered

PRG with the 50,000 bonus and AF waived first year

EDP with the 25,000 bonus and AF waived first year with a 12.99% interest rate listed

Also got the Delta offer, but I don't fly.

My EX is 725, do the offers get much better i?

I could easily meet the spend, I could easily run the 30 transactions a month.

I have no idea how to use the points or what I would use them on anyway

Two cards from one pull?

I haven't had a pull on EX since August 2013...

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Offers are pretty much the same for everyone, other than some special offers that are being targeted towards Costco Amex customers right now. The only thing that I see your score getting you is the best APR on the EDP - congrats on that! 

It's up to you if you think there is room in your wallet for Amex. Times have changed, and they're not the same company they were 10 years ago. 

[Spanky23]

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@DeeBee78 wrote:

It's up to you if you think there is room in your wallet for Amex. Times have changed, and they're not the same company they were 10 years ago. 

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What do you mean by this?

[DeeBee78]

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@Spanky23 wrote:

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@DeeBee78 wrote:

It's up to you if you think there is room in your wallet for Amex. Times have changed, and they're not the same company they were 10 years ago. 

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What do you mean by this?

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Benefits have been removed, or reduced for most cards.

Costco and Jetblue partnerships are ending.

New Plenti card rewards are a joke.

Rewards points continue to lose redemption value.

Annual fees continue to climb.

Caché of being a cardholder is somewhat dead. 

There are simply better cards out there nowadays. If you want Amex, you need to seriously justify it.

[Anonymous]

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@DeeBee78 wrote:

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@Anonymous wrote:

I have 3 cards with a combined CL > $40K, I've had 3 cards for 8 years, I don't need any new cards (I also have a hidden business credit card with $12K limit).

One of my cards is an USAA Amex

While surfing the forum, I found a link for the AMEX preapproval site, so I checked it out for fun.

Offered

PRG with the 50,000 bonus and AF waived first year

EDP with the 25,000 bonus and AF waived first year with a 12.99% interest rate listed

Also got the Delta offer, but I don't fly.

My EX is 725, do the offers get much better i?

I could easily meet the spend, I could easily run the 30 transactions a month.

I have no idea how to use the points or what I would use them on anyway

Two cards from one pull?

I haven't had a pull on EX since August 2013...

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Offers are pretty much the same for everyone, other than some special offers that are being targeted towards Costco Amex customers right now. The only thing that I see your score getting you is the best APR on the EDP - congrats on that! 

It's up to you if you think there is room in your wallet for Amex. Times have changed, and they're not the same company they were 10 years ago. 

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No they aren't. 25k for the EDP is a targeted offer. I haven't seen anyone just get that from a link or refreshing. Its been 10k for the ED and 15k for EDP, and either 15 or 25k targeted offers for either, online or by mail.

OP, go for it!!!! The MR points are worth 2cents a point. 75k points is 1500 bucks, and a low min spend at that! You have the best APR in your offer. And a no hassle way to go straight to 50k on the prg. Most people say to app for the credit card first, then the charge card 2nd. You may have to call in to push the 2nd through. 99% 2 for 1 on the experian pull. 

DO IT DO IT!

[Anonymous]

my only thing is if you don't need amex (which you specifically said) and you don't know how/can't justify how to use the points (which you said) then why bother? yeah they are offering good sign on bonuses for you but beyond that then what's next? you have 76k travel points when you don't travel. sounds like a waste to me my friend.

[Anonymous]

75k* my bad. came from the "worthy" iphone

[Anonymous]

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@Anonymous wrote:
my only thing is if you don't need amex (which you specifically said) and you don't know how/can't justify how to use the points (which you said) then why bother? yeah they are offering good sign on bonuses for you but beyond that then what's next? you have 76k travel points when you don't travel. sounds like a waste to me my friend.

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OP never said they didnt travel.  Can also redeem points for gift cards at 1cpp or on amazon at .7cpp... but yes, just redeeming them for charges at .6cpp would be a waste.  If you don't need the cards then don't get them.

[Anonymous]

my bad there was another person wanting amex that said they didn't travel lol. i combined the two by accident.. sorry.