Amex vs. Chase question

[longtimelurker]

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@Anonymous wrote:

I am not sure you can get CSP/CSR with that score though. Gold is more likely, Plat is a bit risky.

So you are saying that there is a difference between Gold and Plat?   I thought conventional wisdom here was that all the charges have the same (or at least very similar) underwriting.

[Anonymous]

I did a bit over a month ago. But also go added to a 10k credit line and have now already got prequals for CSP.

So waiting, as stated, but can only garden so long as wedding dates dont move. So I can either try for something that nets rewards in September to make final payments or I end up paying cash.

And there is no sense in not trying.

[jb1280]

If you fly Delta regularly through airports that have Sky Clubs, and make the airline, Uber, Saks, and dining credits work, the Gold/Platinum combo is absolutely the best
in terms of benefits and earning ability.

[Anonymous]

Check for pre-approval on the Amex site.

If you go for Amex, the $200 travel credit can be used more efficiently on Delta as follows:

Log on to delta on the Desktop site - not the mobile app. Buy one or more $50 Delta Gift Cards - not a higher value.

These will trigger the Airline credit AND you'll get 250 Rewards points for each card.

[Anonymous]

I think gold/plat is a good combo for you. You should be able to see if you’re prequal.

[Anonymous]

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@longtimelurker wrote:

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@Anonymous wrote:

I am not sure you can get CSP/CSR with that score though. Gold is more likely, Plat is a bit risky.

So you are saying that there is a difference between Gold and Plat?   I thought conventional wisdom here was that all the charges have the same (or at least very similar) underwriting.

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no clue. I know you can get gold at 650, i don't know what's the minimum for plat.

[Anonymous]

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@Anonymous wrote:

Check for pre-approval on the Amex site.

If you go for Amex, the $200 travel credit can be used more efficiently on Delta as follows:

Log on to delta on the Desktop site - not the mobile app. Buy one or more $50 Delta Gift Cards - not a higher value.

These will trigger the Airline credit AND you'll get 250 Rewards points for each card.

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Thanks for this tip! I heard that in a video and wasnt sure how it worked!

[Anonymous]

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@Anonymous wrote:
I think gold/plat is a good combo for you. You should be able to see if you’re prequal.

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Is everyone checking prequals through Amex site? or Card Match? Or are these ultimately the same thing?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Check for pre-approval on the Amex site.

If you go for Amex, the $200 travel credit can be used more efficiently on Delta as follows:

Log on to delta on the Desktop site - not the mobile app. Buy one or more $50 Delta Gift Cards - not a higher value.

These will trigger the Airline credit AND you'll get 250 Rewards points for each card.

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Thanks for this tip! I heard that in a video and wasnt sure how it worked!

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The two real takeaways are desktop site only and $50 max. The $53 charge was actually the charges on a flight redemption with points - I didn't expect Amex to cover it, but it did.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Check for pre-approval on the Amex site.

If you go for Amex, the $200 travel credit can be used more efficiently on Delta as follows:

Log on to delta on the Desktop site - not the mobile app. Buy one or more $50 Delta Gift Cards - not a higher value.

These will trigger the Airline credit AND you'll get 250 Rewards points for each card.

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Thanks for this tip! I heard that in a video and wasnt sure how it worked!

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The two real takeaways are desktop site only and $50 max. The $53 charge was actually the charges on a flight redemption with points - I didn't expect Amex to cover it, but it did.

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it seems amex credit will cover anything that is less than 100 usd, and not explicitly labeled "gift card".