Amex easyist card to get

wasCB14 · ‎08-13-2018

@Anonymous wrote:
I was looking for points but the ed I wood like to get but I all so like the gold card but the annual fee is on the high side si I was thinking about the green I was pre qualified on there website but scared to app

Green: $95 AF, very few benefits. Sometimes it has a nice bonus, but it's generally considered a poor value.

Premier Rewards Gold: $195 AF, good rewards, good roadside assistance, $100 single-domestic-airline extras credit. A decent value, particularly for people who spend a lot on gas and groceries and can use the miles well.

Platinum: $550 AF, good airfare rewards, many travel perks and credits. Great for frequent travelers who use certain hotel chains and airlines/airport terminals.

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select

Anonymous · ‎08-13-2018

Even though one of my cards is max out with a thin file

wasCB14 · ‎08-13-2018

@Anonymous wrote:
Just having a American Express is a goal of mines to have in my wallet but I'm scared to app with my credit profile but I seen people being approved with worst credit profile then mines

There may be more practical cards. Some Amex products are great for some people (for instance, I use the lounges), but a lot of what they have is either expensive or mediocre for general use.

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select

Anonymous · ‎08-13-2018

Is it worth it for the gold it not about the annual fee it just about is it worth it to give and extra 100 and is it the same requirement as the green

Anonymous · ‎08-13-2018

Can I app 2 at the same time for charg card and a other card like the ED or BCE

kilroy8 · ‎08-13-2018

You have a maxed out card. Get that down below 28.9% util and overall util down below 8.9% util and your scores will leap. Then think about new cards.

jdbkiang · ‎08-13-2018

You technically can apply for 2 in a day. If you travel, the extra $100 AF for the gold provides another $100 travel credit that could make it worth it.

However, it’s definitely better to wait for your score to go up after paying off your maxed out card.