I need to get in with American Express

[Anonymous]

---

@mongstradamus wrote:

---

@Closingracer99 wrote:

App for the old Blue cash card? A link is floating around somewhere for it

---

you can just google it i think it goes straight to the app. The funny thing about that is if i were logged into my amex account I couldn't find it , but if you are incognito mode the link shows up and you can app for it i found that quite odd. Blue cash you need to put an fair amount of spending throught it before the 5% categories kick in. 6500 i believe , but good thing is there are no caps 

---

Yes this (and its byproducts) is really the only card I use these days.   The $6,500 threshold really is equivalent to an annual fee, ranging from 0 to $97.50, depending on how you meet the threshold and what other cards you have

[Spanky23]

https://www295.americanexpress.com/cards/npz.do?pmccode=77#CARDS/77/1/0/0

This one? I probably won't spend $6500 in a year anytime soon so is that a better choice than the BCE when I can get 3% on gas year round?

[mongstradamus]

---

@Spanky23 wrote:

https://www295.americanexpress.com/cards/npz.do?pmccode=77#CARDS/77/1/0/0

This one? I probably won't spend $6500 in a year anytime soon so is that a better choice than the BCE when I can get 3% on gas year round?

---

Just so you know BCE you only get 2 % cash back on gas , BCP is 3% but that has an AF. There is no other Amex options for gas on cash back for gas. Other option is you can try an non amex cards like sm that has 5% Cashback on gas and groceries with 250 per month cap on each. 

[Anonymous]

---

@mongstradamus wrote:

---

@Spanky23 wrote:

https://www295.americanexpress.com/cards/npz.do?pmccode=77#CARDS/77/1/0/0

This one? I probably won't spend $6500 in a year anytime soon so is that a better choice than the BCE when I can get 3% on gas year round?

---

Just so you know BCE you only get 2 % cash back on gas , BCP is 3% but that has an AF. There is no other Amex options for gas on cash back for gas. Other option is you can try an non amex cards like sm that has 5% Cashback on gas and groceries with 250 per month cap on each. 

---

Yes, for lower levels of spend on gas and groceries, Sallie Mae is probably the card tp get the most rewards.

[Spanky23]

I'm mainly going with American Express on the advice from multiple members that I should get in with American Express before I go with Chase and the such

[lonelyisland]

---

Spanky23 wrote:

Is their cash back program better or the flight one?

I don't travel much but could start saving points for after school. Do already have a discover it but it's rotating categories where as I could get a straight 2 and 3% on the Blue card.

Thoughts?

---

What do you mean by "the flight one"? Are you debating between the Blue Cash and the Blue Sky?

[Spanky23]

BCE and the Everyday

[lonelyisland]

---

@Spanky23 wrote:

BCE and the Everyday

---

If you aren't planning to get the Sallie Mae at some point, go BCE to start. If you do plan to get the SM, most of the BCE rewards will be redundant. 

If am AMEX card isnt useful for you, and you cant make good reason to get one, wait until it makes sense for you. 

[jamesdwi]

---

@Spanky23 wrote:

Is their cash back program better or the flight one?

I don't travel much but could start saving points for after school. Do already have a discover it but it's rotating categories where as I could get a straight 2 and 3% on the Blue card.

Thoughts?

---

cash is usually better, but we would need some details on your credit report, AAoA, UTL, baddies, do you have any prime cards besides the discover card, how long have you had the discover card or other prime cards. 

Might be best to start out with the AMEX PRG card, and then app for a revolver in January. 

[Anonymous]

---

@jamesdwi wrote:

---

@Spanky23 wrote:

Is their cash back program better or the flight one?

I don't travel much but could start saving points for after school. Do already have a discover it but it's rotating categories where as I could get a straight 2 and 3% on the Blue card.

Thoughts?

---

cash is usually better, but we would need some details on your credit report, AAoA, UTL, baddies, do you have any prime cards besides the discover card, how long have you had the discover card or other prime cards. 

Might be best to start out with the AMEX PRG card, and then app for a revolver in January. 

---

It's certainly not always the case that cashback is better, for many the travel can be much more valuable, as MRs are simply worth more when redeemed via travel partners.

I'm mainly going with American Express on the advice from multiple members that I should get in with American Express before I go with Chase and the such

Well, many members may have said that but it doesn't really make it true!   You have to realize that most of the advice here is from people generalizing from their own experience with very limited information.   (People say how useful it all is, but usually don't consider what would have happened if they had followed different advice!)

There are SOMETIMES advantages to Amex, if you go for a charge card you might get accepted when you would  not get a credit card from Chase for example.   But the Freedom is also given to people with lowish scores and thin files, so even that is not so clear.     An Amex credit card doesn't even have this, they are no easier than decent cards from the other banks.   So, choose one that has the rewards you want and matches your spending pattern.

Now that's just my advice, and (apart from the fact that I am right) subject to the same limitations above!