What comes first? Amex PRG or BCP?

Anonymous · ‎02-23-2017

Hi all

Im planning on app-ing for PRG and BCP. Just confused on what to app for first? I have heard charge cards are easier to get hence they should be done first but on the Amex prequalify site I am only prequalified for BCE and BCP. It doesn't show anything for PRG (and I really want to get both). Any suggestions/advice would be appreciated!

thanks

austinguy907 · ‎02-23-2017

I would suggest going for whichever you really really want first. Once you know the status on that one then go for the other one.

Anonymous · ‎02-24-2017

Thankyou!!! Great suggestion!

redpat · ‎02-24-2017

OP that's an odd combo. You should get EDP 30k mr point offer w/ 50k mr PRG.

BC is only cash back. Why mix a reward program?

If you are pre-qual for BDE & BCP you should have no problem w/ EDP.

Just a thought.

Personal Cards: Amex Delta Res | CSR | Citi AA Exec | Citi Strata Premier Business Cards: Ink+ | Amex BBP

Teo · ‎02-24-2017

@redpat I mix rewards programs because each card maximizes benefits in its own way. I use BCP for groceries (6%) and gas (3%) and PRG for the yearly airline fee credit ($100), travel (3x airlines), restaurants (2x) supermarkets (2x after I max out the 6K cap on PRG).

OP - I applied for both cards a day apart, and I think I app'd for PRG first, but I don't think it matters. I've been happy with Amex, and In April, when my Discover cash back match is over, I will probably be using those two cards everywhere AMEX is accepted.

Current FICO 743, no baddies
April '16 550 4 collections

Current credit and limits (in order of approval)
Discover It (Unsecured at 6 mos) 4.6k -- Cap 1 Quicksilver One (900) -- Overstock (3800) -- NFCU Cash Rewards (25k) -- Share Secured Installment (500 - paid down to 40ish) -- Amex PRG (NPSL) -- Amex BCP (25k) -- Amex EDP (15k) -- Citi Advantage (10k)

redpat · ‎02-24-2017

@Teo wrote:
@redpat I mix rewards programs because each card maximizes benefits in its own way. I use BCP for groceries (6%) and gas (3%) and PRG for the yearly airline fee credit ($100), travel (3x airlines), restaurants (2x) supermarkets (2x after I max out the 6K cap on PRG).

OP - I applied for both cards a day apart, and I think I app'd for PRG first, but I don't think it matters. I've been happy with Amex, and In April, when my Discover cash back match is over, I will probably be using those two cards everywhere AMEX is accepted.

But w/ EDP you get 3x for gas, 4.5x for groceries and 1.50x on everything else. 30 swipes can be easy w/ daily coffee.

MR redemptions can result in higher redemption than cashback.

Personal Cards: Amex Delta Res | CSR | Citi AA Exec | Citi Strata Premier Business Cards: Ink+ | Amex BBP

Teo · ‎02-24-2017

But w/ EDP you get 3x for gas, 4.5x for groceries and 1.50x on everything else. 30 swipes can be easy w/ daily coffee.

MR redemptions can result in higher redemption than cashback.

Good point, I'm always looking for ways to tweak my system.

Current FICO 743, no baddies
April '16 550 4 collections

Current credit and limits (in order of approval)
Discover It (Unsecured at 6 mos) 4.6k -- Cap 1 Quicksilver One (900) -- Overstock (3800) -- NFCU Cash Rewards (25k) -- Share Secured Installment (500 - paid down to 40ish) -- Amex PRG (NPSL) -- Amex BCP (25k) -- Amex EDP (15k) -- Citi Advantage (10k)

Anonymous · ‎02-24-2017

Unless you really want one more than the other I'd do BCP first then PRG. Do them on the same day.

Anonymous · ‎02-24-2017

Just apped and got online immediate approvals for both!!! Did the BCP first and then the PRG. One thing though only got $1000 SL. But it's a start.

AverageJoesCredit · ‎02-24-2017

Well done!!. Your title made you think of what came first, the chicken or the egg? Lol, glad you got what you wanted