Hey all,
First, I'm happy I found this forum, lots of great info.
Been browsing and reading alot lately, very helpful.
I've heard alot about AMEX and how great they are and I wanted to add one as my final personal card. Currently have 9 CC's and 9 Store cards, so I'm happy with what I have.
There are so many different AMEX's out there, which one do you all think is the best to get overall? I've been eye balling the Gold card.
@socalchef00 wrote:Hey all,
First, I'm happy I found this forum, lots of great info.
Been browsing and reading alot lately, very helpful.
I've heard alot about AMEX and how great they are and I wanted to add one as my final personal card. Currently have 9 CC's and 9 Store cards, so I'm happy with what I have.
There are so many different AMEX's out there, which one do you all think is the best to get overall? I've been eye balling the Gold card.
Tell us what your FICO scores are and what you are looking for in your next card, and we can give you a recommendation or two.
The Amex Gold charge card is good for some people and not for other people. I had it, and didn't care for it.
It totally depends on you. The Gold card is a good earner if you spend a lot at restaurants and grocery stores. It is a charge card so you should expect to payoff the full balance every month. AMEX has a lot of different cards. They have cash back options and point options. Will you be traveling a lot? What are you looking for in your next card? I started with the Gold and Blue Cash Preferred. Your mileage may vary. No matter which cards you select Amex is a good company to build a relationship with.
@increasingmyfico wrote:It totally depends on you. The Gold card is a good earner if you spend a lot at restaurants and grocery stores. It is a charge card so you should expect to payoff the full balance every month. AMEX has a lot of different cards. They have cash back options and point options. Will you be traveling a lot? What are you looking for in your next card? I started with the Gold and Blue Cash Preferred. Your mileage may vary. No matter which cards you select Amex is a good company to build a relationship with.
Ohh, for some reason I thought it was an actual credit card not charge card. I'd like a credit card, even though i'd still probably pif, I'd like the option just in case to carry over.
We do alot of restaurants and grocery, less travel at the moment. But I'd rather not have a charge card.
Fico is still currently low, working on getting it up. I believe last I check was a 680, but I paid off alot of my cards , so I'm waiting on them to report so my score goes up.
Didn't realize it was a charge card. I'd rather have one that is a credit card incase I need to carry a balance even though I do pif most the time.
I want somethign with good rewards for resturants , grocery, and every day purchases. Don't travel as often as I'd like at the moment
@SouthJamaica wrote:
@socalchef00 wrote:Hey all,
First, I'm happy I found this forum, lots of great info.
Been browsing and reading alot lately, very helpful.
I've heard alot about AMEX and how great they are and I wanted to add one as my final personal card. Currently have 9 CC's and 9 Store cards, so I'm happy with what I have.
There are so many different AMEX's out there, which one do you all think is the best to get overall? I've been eye balling the Gold card.
Tell us what your FICO scores are and what you are looking for in your next card, and we can give you a recommendation or two.
The Amex Gold charge card is good for some people and not for other people. I had it, and didn't care for it.
@wasCB14 wrote:Do you fly a lot?
Stay in hotels a lot?
Which airlines/chains?
Your home airport(s)?
Do you eat out a lot?
Shop at regular grocery stores or more at wholesale clubs like Costco?
Do you buy a lot of electronics or other things that come with warranties?
So I was informed that its a charge card, so maybe not the gold card.
But no, I don't fly or travel alot , at least not yet. But we usually fly Southwest and stay at the Marriott when we do travel.
We do use Resturants, Grocery of course, and every day purchases would be nice with rewards too.
In addition to the other questions already asked, what about annual fees? Are you okay with a card that has an AF? Is there a limit to what you'd be willing to pay for an AF? That will help narrow things down a bit.
@SoCalGardener wrote:In addition to the other questions already asked, what about annual fees? Are you okay with a card that has an AF? Is there a limit to what you'd be willing to pay for an AF? That will help narrow things down a bit.
If the rewards are good enough, I don't mind the AF.
You can carry a balance on the Gold. Amex calls it pay over time. Not advisable to use but the option is there. The Blue Cash Preferred is a credit card. It earns 6% cash back at grocery stores and 3% on gas and transportation expenses.