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BBP then Amex Gold, or Gold then BBP?

Established Member

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!

Message 1 of 5
Frequent Contributor

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 | TFCU Plat Visa $12,500 | PenFed Platinum Rewards $10,000 | Synchrony Premier MC $10,000 | SG Visa $10,000 | NFCU MoreRewards $7,000 | NFCU cashRewards $14,000 | Discover IT $3,000 | Capital One BuyPower $850

B&H Payboo Card $15,000 | Amazon Prime Card $10,000 | PC Richard Card $10,000 | Target RedCard $2,000 | Walmart Store Card $1,400 | Shell Gas Card $1,200 | Overstock Store Card $3,850 | Kohl's Store Card $2,500

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
Super Contributor

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.

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, CFF+CF, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC
Upgrade/downgrade games: BCE, EDP
SUB: JetBlue, Amex Platinum
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 3 of 5
Community Leader
Super Contributor

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.

FICO 8 (EX) 815 (TU) 822 (EQ) 808
FICO 9 (EX) 827 (TU) 826 (EQ) 832

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 4 of 5
Regular Contributor

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...






Message 5 of 5
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