I've been gardening for (almost) a year, so I decided to apply for the AMEX Blue Cash Preferred. I have an AMEX Gold, so I logged into my account and was already pre-approved. Finished the form and instant approval for $5,000. I didn't even see the SL right away until 3 screens later. A bit on the low side, given that most of my cards are $10k+, but also not unexpected in this current economic climate. I'll see if I can squeeze more after 61 days and some heavy spend.