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BBP then Amex Gold, or Gold then BBP?

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chckn_permission
Established Member
‎05-03-2021 04:23 PM
‎05-03-2021 04:23 PM

BBP then Amex Gold, or Gold then BBP?

I'm looking at the Amex BBP currently, and then thinking of applying for the Gold in a year or so when it makes more sense for me. I would be a new Amex customer, but I've read that new customers should be applying for the Platinum before anything else because Amex doesn't offer their best offers (100/125k MR points) to existing customers.

 

If that's the case, is it safe to assume the same would apply for the Gold's 75k/$4k if I got the BBP beforehand? I wouldn't be hitting the MSR right now organically so I wanted to see if I can go for the BBP now, or just wait until I'm ready and get the Gold first. Thanks!




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Message 1 of 5
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rostrow416
Established Contributor
‎05-03-2021 05:13 PM
‎05-03-2021 05:13 PM

Re: BBP then Amex Gold, or Gold then BBP?

I think you'd be able to get the best SUB available regardless, you just might need a referral link at the time.  It's best to just apply for the card you want/need/can use, especially as a new customer.  Getting a card that doesn't work for you doesn't really make sense.  

AMEX Gold | Purdue FCU $20,000 | FNBO Evergreen $15,000 | TFCU Plat Visa $15,000 | PenFed Platinum Rewards $15,000 | PenFed Pathfinder $15,000 | Citizen's Bank Cash Back+ $15,000 | Synchrony Premier MC $10,000 | SG Visa $10,000 | NFCU MoreRewards $7,000 | NFCU cashRewards $17,000 | Discover IT $6,000 | Capital One BuyPower $950 | AMEX BCP $5,000 | AMEX Amazon Prime Business $3,000

B&H Payboo Card $15,000 | Amazon Prime Card $10,000 | PC Richard Card $15,000 | Target RedCard $2,000 | Walmart Store Card $1,400 | Shell Gas Card $1,200 | Overstock Store Card $7,000 | Kohl's Store Card $3,000


Spring Cleaning:
C̶a̶p̶i̶t̶a̶l̶ ̶O̶n̶e̶ ̶Q̶u̶i̶c̶k̶S̶i̶l̶v̶e̶r̶ ̶$̶1̶,̶0̶0̶0̶ | C̶r̶e̶d̶i̶t̶ ̶O̶n̶e̶ ̶V̶i̶s̶a̶ ̶$̶1̶,̶2̶0̶0̶ | M̶e̶r̶r̶i̶c̶k̶ ̶B̶a̶n̶k̶ ̶$̶2̶,̶7̶0̶0̶ | M̶a̶r̶v̶e̶l̶ ̶M̶a̶s̶t̶e̶r̶c̶a̶r̶d̶ ̶$̶1̶,̶̶2̶0̶0̶ | C̶o̶m̶e̶n̶i̶t̶y̶ ̶M̶a̶s̶t̶e̶r̶C̶a̶r̶d̶ ̶$̶1̶,̶1̶8̶0̶
Message 2 of 5
wasCB14
Super Contributor
‎05-03-2021 05:29 PM
‎05-03-2021 05:29 PM

Re: BBP then Amex Gold, or Gold then BBP?

I've gotten good offers as an existing Amex customer, but it helps to be patient.

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
Message 3 of 5
coldfusion
Community Leader<br> Mega Contributor</br>
Community Leader
Mega Contributor
‎05-04-2021 01:37 AM
‎05-04-2021 01:37 AM

Re: BBP then Amex Gold, or Gold then BBP?

As a reminder we don't talk about business cards in this section of the forum.

(3/2024)
FICO 8 (EX) 846 (TU) 850 (EQ) 850
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Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 4 of 5
jcooks
Established Contributor
‎05-04-2021 05:04 AM
‎05-04-2021 05:04 AM

Re: BBP then Amex Gold, or Gold then BBP?

As new Amex customer, I wouldn't recommend going with the BBP at first.  Get the Gold.  I got the Gold and then started seeing preapprovals for other cards so I went for the BBP and got denied.  Below is the reason for my denial...

 

 

 

 

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Message 5 of 5
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