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@Anonymous wrote:
And remember to apply on your private browser, if you applied for both the ED and PRG incognito, and met the minimum spend, you got yourself 75k MR points right there with a $4k spend between the two cards.
This seems a significant point yet for the life of me I can't figure out what it means -- mind explaining?
If you are looking for Cash Back, and if majority of your spend is for Groceries and Gas. Then the BCE would be a good card to apply for. The card has no annual fee and AMEX will grow with you, if you treat them right. As far as Cashback, the only downside is that, the sole option to cash your rewards is through statement credit. So if that works for you, I think you have really good odds to get approved for this card, or any AMEX card that you would like.
@Anonymous wrote:
Just for clarification, statement credit benefit you when you carry a balance, right?
Some Cashback reward cards give you the option of getting all the dollar rewards you've earned get deposited into your bank account, or you can also apply them as statement credit. With AMEX, the rewards are strictly available as statement credit. And you earn regardless whether you are carrying a balance or PIF each time.