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I was thinking about applying for an Amex charge card in a few months. I was approved for Amex Hilton on the 3rd of this month. I am glad to have my foot in the door with Amex. I am also authorized user on my wife's Amex Hilton and Amex Delta.
I was wondering what everyone thought about the different charge accounts. All the requirements the same? Does each require different scores or is it all the same ? I was interested in the Amex Platinum but was going to start off with a green or should I just go for the platinum?
thanks for the feedback.
The majority view seems to be that all the charge cards have (about) the same underwriting, if you can get one you can get any, then you choose depending on benefits vs AF. So if you are sure you want the Plat, go for it. Major difference between that and the others is that there is no waiver of AF for the first year, so make sure you can use the benefits!
What was the reason for denial on the recent GRN app because it may require more time than a few months for an approval?
If you're looking for rewards, the PRG has the best rewards structure out of the three charge cards. I got mine back in March and it quickly became my daily card. If you can justify the $450 and can get the 100K MR points offer, the Platinum card has the highest opening offer - The PRG has 25K or 50K depending on what mood they're in. I've racked up a few thousand points on top of getting the spend bonus and it's been an all-around great card. In my opinion, the Green card is just there for posterity. It was the first and the most recognizable Amex card there is, but doesn't really reward you for using it.
Yes, I agree that requirements are all about the same. Just remember that Plat AF is 450 plus any AU's. But since hubby got that 100k, it makes up for the AF.
@CostantinoA wrote:I was thinking about applying for an Amex charge card in a few months. I was approved for Amex Hilton on the 3rd of this month. I am glad to have my foot in the door with Amex. I am also authorized user on my wife's Amex Hilton and Amex Delta.
I was wondering what everyone thought about the different charge accounts. All the requirements the same? Does each require different scores or is it all the same ? I was interested in the Amex Platinum but was going to start off with a green or should I just go for the platinum?
thanks for the feedback.
My Amex charge card, a platinum, has been pretty much useless to me, and a waste of $450 year. One needs to travel a lot to make it useful.
I don't think any of the charge cards would have been useful to me at all.
They're easier to get than the credit cards, and the underwriting standards for all the charge cards seem to be the same.
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |