Should I App for Amex Gold Or Green?

[FicoTron]

The annual fee difference doesn't bother me, and I don't wan't a Zync because the rewards aren't the same and it can't be upgraded.  I am pre-selected on the website for both Green and Gold, yet have only recieved a mail offer for the Green.  I definitely want the Gold, but don't want to be denied when i could have gotten the Green.  My question is if there is a big difference between them, approval-wise.  Here are my current EX stats, assuming they pull from there.

Approximate score 670-700

AAoA-5+ years

2 open credit cards with nearly 2 years perfect history

student loan with a transferred/sold status (it will report as open again starting next month, but I feel like not having the large balance reporting is better, even though it is an installment account???)

2 30 day lates from 6 years ago

1 paid CO for $443 from 2006 which I paid in December 2011

Should I app?

[Anonymous]

Green and gold have the same criteria. Do you travel any? If so, gold is slightly better. Unless you mean PR gold, which has the point multipliers.

[Anonymous]

I think you should go ahead and go for Gold.  I really don't think there's any difference in approval criteria and I'd think you stand a good chance of approval.

[Smerri1029]

There's no difference in approval criteria. Go for the Gold (or PR Gold) if that better suits you.

[boomhower]

Yep, approval criteria is the same for both.  Go with whichever suits your spending patterns/benefit needs better.  Good luck!

[Anonymous]

Fwiw, I have the Green and am going to upgrade to the Gold very soon. The AF difference is only a few bucks.

[FicoTron]

right...the early access to event tickets is actually worth the extra $30 for me alone.  Just wanted to get some solid feedback on weather the criteria is the same for each card...I have to assume that it is at least a little different for the PR Gold.  Does anyone have a differing opinion that the other posters in that the criteria is the same?

[shane82388]

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@Anonymous wrote:
Fwiw, I have the Green and am going to upgrade to the Gold very soon. The AF difference is only a few bucks.

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ahh yeah for some reason i thought it was $175 not $125....

either way, theres pretty much no difference between Green and Gold so if you wanted to just get a card to use and have the general benefits of an AMEX then Green isnt a bad choice and will save you the most money.

I have Green and have no Gold envy. Seems like the extra couple bucks isnt much but if you arent getting much whats the point...?

[Anonymous]

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@FicoTron wrote:

right...the early access to event tickets is actually worth the extra $30 for me alone.  Just wanted to get some solid feedback on weather the criteria is the same for each card...I have to assume that it is at least a little different for the PR Gold.  Does anyone have a differing opinion that the other posters in that the criteria is the same?

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Amex themselves say its the same. Green is there as a legacy card, adding to the 'prestige' of gold and plat. Early access is nice but is for big cities. Just something to be aware of if going solely for presales.

[FicoTron]

Thanks for the info. It seems like its a pretty sure thing that the criteria is identical for each card. Now I guess it's in the hands of the Amex computers...and after that a recon if necessary. I am kind of looking for someone to talk me out of this app, but...