Next Credit Move With Amex?

Anonymous · ‎06-12-2018

So I’ve only had the PRG for about 3 months, and out of curiosity I was on AMEX’s CC page given that I’m interested in eventually getting the EDP so I can put all of my grocery and miscellaneous spend on it when I’m back at university (last semester I was putting about $100 on grocery spend weekly so I figured the EDP would make more sense than the ED simply because I’m already receiving 2x on groceries with the PRG).

In any case I had heard that if you click on apply now, if you have any sort of pre-qual it would show up on the top of the page. Turns out I have pre-approvals for the Platinum, BCP, and EDP. My question is, what should my next move be? The platinum definitely seems enticing, but I’d like to recieve the 100k MR offer before pulling the trigger; as for the EDP, the 15k public bonus seems meager at best given people have been able to find 30k bonuses in incognito mode, unfortunately I haven’t had that luck yet.

Do I have a chance at the Platinum with my thin file and part-time income (~20k)?

Anonymous · ‎06-12-2018

You might want to look at BCE and EDP. Unless you're a big spender and want the luxuries, Platinum should be avoided.

Just my views.

ToughFistFight · ‎06-12-2018

Im approved for the Platinum also, however, I must take into consideration the spend I must put down to recieve those 100k MR points. My offer was 25k in three months. Yes, I can do that.

What was your offer?

Chase Business Ink 20k PenFed Plat Rewards VS 25k NFCU Go Rewards 20k BECU 30k Chase FU 6k GM Biz 21k NFCU Flag 21k Amex BCP 26k Disco IT 18k FNBO Biz 11k Costco Citi Biz 8.1k Amex EDP 2k Gold Delta Skymiles Biz 5k Amazon Prime 10k USBank Cash 12k Amex Biz Plat Rewards NPSL Amex BCB NPSL

Anonymous · ‎06-12-2018

@Anonymous wrote:
You might want to look at BCE and EDP. Unless you're a big spender and want the luxuries, Platinum should be avoided.

Just my views.

My primary use for the platinum would just be the benefits, after reaching the minimum spend it would make the most sense to put most spending through the PRG at restaurants and the EDP for groceries and all other transactions to reach the 30 transactions needed to recieve the 50% bonus. I do take about 2 flights per month, and my mom does travel internationally rather frequently so she may put some flights through the card as an AU to get the points, apart from that the benefits are what’s most enticing.

If anything I may apply to both the platinum and EDP around September if the offers are decent which is when I’m away at uni and do most of my spending.

Anonymous · ‎06-12-2018

@ToughFistFight wrote:
Im approved for the Platinum also, however, I must take into consideration the spend I must put down to recieve those 100k MR points. My offer was 25k in three months. Yes, I can do that.

What was your offer?

That’s for the business platinum I believe; right now I see 75k MR points for a 5k spend in 3 months in incognito mode. Would like to find a way to get 100k with the same spend before I even consider applying though.

Anonymous · ‎06-12-2018

@Anonymous
I do take about 2 flights per month, and my mom does travel internationally rather frequently so she may put some flights through the card as an AU to get the points, apart from that the benefits are what’s most enticing.

If anything I may apply to both the platinum and EDP around September if the offers are decent which is when I’m away at uni and do most of my spending.

Just checking...if these are your criteria, did you look at Chase or Citi products? Also, how about Amex Delta cards? Nothing against Amex but Visa and MasterCard are better accepted outside USA.

Anonymous · ‎06-12-2018

How much and where do shop at the market? Dw and I use BCP and max out the 6% grocery and then also use it for the 3% gas

Anonymous · ‎06-12-2018

@Anonymous wrote:
@Anonymous
I do take about 2 flights per month, and my mom does travel internationally rather frequently so she may put some flights through the card as an AU to get the points, apart from that the benefits are what’s most enticing.

If anything I may apply to both the platinum and EDP around September if the offers are decent which is when I’m away at uni and do most of my spending.
Just checking...if these are your criteria, did you look at Chase or Citi products? Also, how about Amex Delta cards? Nothing against Amex but Visa and MasterCard are better accepted outside USA.

I have considered the CSP; but don’t see much from Citi that I would prefer over the Amex cards I’m considering. Only problem with the CSP is that I strongly doubt Chase would be willing to approve me given my limited history (plus the rewards categories on the CSP overlap with the PRG so it seems unnecessary to be paying nearly $300 in AF combined for virtually the same card). Amex on the other hand doesn’t seem to worry about my thin file, and might approve me via SP which would be a nice little plus.

Anonymous · ‎06-12-2018

@Anonymous wrote:
How much and where do shop at the market? Dw and I use BCP and max out the 6% grocery and then also use it for the 3% gas

Primarily Whole Foods. Between February and May I spent around $2k in supermarkets; I’ll probably reach the 6k limit within 12 months without too much of an issue lol. The BCP seems like a great card for groceries but frankly I rather accumulate the MR points as opposed to cash back, especially if I can get 4.5/$1 with the EDP.