Which Amex Is Easiet To Get?

[Anonymous]

This list below is all of Amex's no annual fee CCs:

• Blue
• Clear
• Hilton HHonors

I'm thinking of having DW app for another Amex card (she alreay has Zync) early next year to add another old account and improve her AAofA. DW has Unknown EX, 695 EQ and 726 TU, and her most recent baddies was a CO in 11/2008 (yes, I know Amex does not use Ficos).

FYI -- DW is currently an AU on my Blue Cash, Hilton HHonors and Cash Rebate Amex CCs.

[Creditaddict]

---

@Anonymous wrote:

This list below is all of Amex's no annual fee CCs:

• Blue
• Clear
• Hilton HHonors

I'm thinking of having DW app for another Amex card (she alreay has Zync) early next year to add another old account and improve her AAofA. DW has Unknown EX, 695 EQ and 726 TU, and her most recent baddies was a CO in 11/2008 (yes, I know Amex does not use Ficos).

FYI -- DW is currently an AU on my Blue Cash, Hilton HHonors and Cash Rebate Amex CCs.

---

with the changes amex seems to have made to giving out credit card products vs charge cards, I'm not sure that one is easier then the other to get.  Use to be Delta, Blue, so on.

[Anonymous]

@Creditaddict --

You have me thinking that DW should app the Delta Gold card and PC after a year. I wonder if they are still offering the first year of annual fees for free.

[Creditaddict]

---

@Anonymous wrote:

@Creditaddict --

You have me thinking that DW should app the Delta Gold card and PC after a year. I wonder if they are still offering the first year of annual fees for free.

---

I much rather have Clear for the simple rewards.

Most of the time now with Delta it takes 30-50k points to even get 1 round trip ticket... with that kind of spending required I rather just pay for the $300 ticket.  The Jet Blue card is nice if they fly in your area because it takes as little as 5k points for a ticket.

[Anonymous]

I personally like Clear as well for the simplicity of the card overall -- especially when the card will likely be #2 for DW.

If it were all about rewards I'd have her use her Blue Cash AU card, but my primary focus right now is to improve her credit profile before we app for a mortgage in 12-24 months.

[Imhotrodcrazy]

---

@Anonymous wrote:

@Creditaddict --

You have me thinking that DW should app the Delta Gold card and PC after a year. I wonder if they are still offering the first year of annual fees for free.

---

I just got an offer in the mail a week ago for the gold card, and yes, the fee was waved for the first year.   I believe from there on it was $95 a yr.  I filed it in the proper place,  the trash can. 

[Anonymous]

@Imhotrodcrazy --

For the most part I agree with you. However, my goal is to reduce mortgage cost by creating the best credit profile possible for DW.

A couple hundred spent now to save tens of thousands over the life of the loan is a good investment to me.

[smc733]

Keep in mind the clear may be the hardest Amex to get. No fees of any kind including late fees and cash advance fees means you better have impeccable credit with a long history to get the card.

[shiftomnimega]

Clear was my first major credit card.  After reading through these forums and looking back I'm sort of surprised to hear that it is the hardest to get, but I suppose all considered it makes sense.

They approved me for my lowest credit limit ever, 2300, four years ago.  I don't use it anymore in favor of blue cash, but I wonder if I should ask for a cli just for giggles.

[haulingthescoreup]

If your mortgage timeline is within one year, I'd suggest Gold.*

It's easier to get a charge card than a revolver, and I worry about that recent CO. The fee should be waived for the first year, and if you get your mortgage before the fee is due, she can then switch over to a Blue or whatever else she would qualify for, thus avoiding the fee.

The fee might not be waived if she doesn't get a pre-approval, I dunno.

The charge cards are just as useful as revolvers as long as you're not trying to control high util and need the revolving CL.

eta: *actually, if your mortgage timeline is within one year, she should be very cautious about adding new credit. Please check my next post...