Amex gold card approval odds?

[Anonymous]

---

@Anonymous wrote:
Thank you everyone for the responses, I will definitely take a look at the Uber card as well to see what they have to offer. As for Amex, still debating if I should apply since it’s a goal of mine to obtain it. I will also look at the BCE. Thank you !

---

Uber is a pretty basic card when it comes down to it.  If you're eating out alot as you stated it's the perfect fir w/o the $250 AF.  Amex will always be around later on when your profile is a bit more solid and the other factors improve with time.  BCE is a good starter for some basic spend like groceries and it grow well if you have the income to support it.

[jdbkiang]

Ah, I never actually applied for the Uber card specifically, but I’ve been denied for a couple other Barclays cards, even with a decently clean TU profile. Was told I had too many new accounts.

[Anonymous]

---

@Anonymous wrote:
The annual fee isn’t much of a concern for me, I want this card because of the benefits it comes with. Such as the $120 dining credit since I dine out at shake shack and Cheesecake Factory a lot, or rather dine a lot in general at many restaurants. I also travel about 2-4 times a year which is great so I can use the airline credit as well. I am a college student with no large bills so $21500 after taxes is good for now with me balancing school and work. I just want to know my approval odds on this card since I’ve been wanting for it for a while. Thanks!

---

The dining credit isn't exactly a benefit so much as it just reduces the annual fee, if you take full advantage of it. Unless you're traveling on someone else's dime, the costs and such are not likely to add up for this card versus a straight cash back card like the Uber or SavorOne. 

I'd say you have at least 50/50 odds at the moment, with that improving in the next six months if you don't add a lot of inquiries/accounts in that time. But, still maybe not the best idea.

[Anonymous]

I would be taking full advantage of it , but a 50/50 hmm I want to almost take a shot in the dark but again i don’t know, it’s the only card I want at the moment. Thank you for the feedback !

[Anonymous]

---

@jdbkiang wrote:
Ah, I never actually applied for the Uber card specifically, but I’ve been denied for a couple other Barclays cards, even with a decently clean TU profile. Was told I had too many new accounts.

---

Yeah, that's the other issue most run into with them. If you call the CA though you might be able to turn it into an approval.  In the preceding 12 months I had 4-5 new accounts reporting and some pending reporting at the date of app.  If it's not an instant approval it's still worthwhile to give them a call as it might be something minor a quick discussion can clear up.

I guess I should add that if you're aiming for their flagship  products that payout $500+ in a bonus those requirements are going to be harder to overcome.