American Express v. Discover

[LawStudentCivilis]

After a little research on my own, Discover IT seems a little tempting as well.  I like the No Foreign transaction fees, and seemingly low APR! Plus intro 0% APR

Does anyone have the Delta Gold by American Express? I don't like the high APRs because it is unlikely I will qualify for the lowest (which is 15.24% I believe).  This matters because I will more than likely make a plane ticket purchase then wait for the bonus miles to apply before I pay off the balance. Which may take more than a month, incurring interest! If I do a PC after a year to BCE, is Amex good about lowering APR? I'd hate to be stuck with a high one.

P.S. How do the miles work? (This will be my first travel card if I'm approved).  If I apply for the Delta card and buy a delta ticket immediately after, can I use the bonus miles to this transaction even though I have to wait 2 to 4 weeks for the miles to post to my card after the ticket is bought?

It's hard to narrow it down to one card!

[unc0mm0n1]

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@jadankert94 wrote:

I have both and personally I prefer my AMEX.  Their website is much better, as is their customer service.  Their card rewards program is also nice.  Overall I feel like a more valued customer with AMEX.

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Completely disagree. Amex is not bad but I hate having to repeat myself constantly to someone who can't understand the american accent. I love it when I call Discover and get someone in Phoenix. I had a double charge once and discover cleared it up immedately, no investigation or 7-10 days. It was pretty nice. TBF I haven't had a bad experience with AMEX either, besides the communication barrier. 

[armbenderc]

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@LawStudentCivilis wrote:

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@09Lexie wrote:
*1 to Open

I would add if you don't want the charge, app for the revolver.

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Do you mean if I don't want a charge card? I would much rather a CL

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If you manage the charge card well, you can have pay over time option with it, which has 35k CL.

[pt310]

I just saw today on creditcards (dot) com, Amex BCP with 0% for 15 months, $ 250 sign up bonus for $1000 in first 3 months.

[LawStudentCivilis]

Thank you both for the additional information.

pt310 that is a tempting offer!

[enharu]

In my opinion both are good cards offered by good companies. Get both!

[Themanwhocan]

The creditcards.com amex deals give you 0% APR for 15 months, and a 12.99% Regular APR, in addition to the larger signup bonus (assuming you get the card).

I went for the Blue Cash Everyday 2 months ago, as you can see in my signature. Its a nice card to have. And its not as if you cant apply for more cards in the future...

[armbenderc]

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@enharu wrote:
In my opinion both are good cards offered by good companies. Get both!

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Oh yeah!

[LawStudentCivilis]

Thanks everyone, Delta Gold has caught my eye because I am toying with the idea of making a few trips early August.

I will probably eventually PC to BCE in a year.  I already have 3 cards (two if you don't count Dillards Amex as a real card) and don't want to overextend my credit before applying for my first mortgage after graduation. I would love to have both sigh, but trying to restrain myself. 

[LawStudentCivilis]

Which still brings me to the question, has anyone had or heard of success of getting Amex to lower APR after a year or after a PC?