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My sister got me the Blue from American Express when I was 19. Other than a store card that I let go inactive, it was the only card I had for 17 years. Made all my payments in full and on time. Glad to say I have a credit score 800+ which came in big when buying a house.
I had my first American Express (green card) while in college. The annual fee then was $55. I used it for one year, then acquired the gold card with an annual fee of $75. Have been a card member for 31 years.
That was pretty Cool 👍🏻 don't mean to be nosy but about what FICO score you Had When Approved ? Because I don't want to get inquiry for No Reason.. if you don't want to share I understand..
These cards can be a nice one-two punch. I use my Blue Cash Preferred for shopping, gas, dining out etc. And my Rose Gold for travel, rental cars, hotels...both cards have been very useful, ive been invited to go platinum but declined, as my income doesnt warrant me having it, it wouldnt make any sense. AMEX is great, just spend and apply for the cards that are within your means and youll be fine!
I use my preferred blue for everyday, my gold for dining and the platinum for travel and hotel. I have a master and visa just in case I'm somewhere amex is not accepted, but that's not often. If you're able to get these three it's all you would need in credit cards and the relationship with amex is great. highly recommend these three cards
I got the Gold last October with 13 inquiries bringing me up to 14. This month I had 2 drop off and I just got approved for the Green this week. Score floats around 720 - 735 across bureaus.
@@edwardthongsrinoon9151 overall it was about 30%. But that was mainly from 2 cards. One was around 80% another around 30% and the rest were all under 10%. Those are just ballpark numbers. I don’t remember exactly.
I got accepted for the gold card last November with no preset spending limit. I was 18 and had 7 months of credit history and made less then 15k a year. I was suprised
@@ProudMoney If I have a score between the three credit bureau’s of about a 625 to 630 with the blue card be a good card to get if I have about $50,000 in income and I just got the capital one quicksilver the end of March
@@junitolopez3762 I only asked about the car because like which card to go with because the two main categories and spend the most time and gas and groceries
Charge cards have an easier approval than their credit cards once you have a large credit line with them. I believe the platinum is the easiest once you build a relationship with them
My second "credit" card and first American Express card was the Gold card. I think Amex is more inclined to give "charge" cards than credit cards. I was denied the first time I applied for an Amex credit card. I, of course, now have three American Express cards
I have the American Express every day card was recently invited to upgrade to the E every day preferred card, and two weeks ago received emails inviting me to apply for the platinum and gold however I was hesitant to apply for the latter two. I am six weeks into spending $2000 to reach 40,000 points which will result in $400 in gift cards or $400 in airline spending. I wanted the American Express blue Cash card so I will wait another two months and then apply, my credit score is right under 800 so hopefully I will get this card Grateful for your video !💝
Zappos and Home Depot gift cards, and a few others, have a 1 to 1 gift card payment. You take a big with others. You lose 50% if you get an Amex gift card.
Dave Ramsey dislikes this video. I have two Amex cards the Amex Cash Magnet and the Blue Business Plus. I keep getting offers to upgrade my Magnet to the Blue Cash Preferred with no annual fee the first year but only a $150 bonus. Current FICO is at 752. I like that once in the Amex system any new cards or CLI are done with a soft pull.
I had a low credit score (-650) and a collection on my account of over 7k and was approved for the gold with 75k mr points. I check my pre approved odds one day and it popped up. I applied on a whim thinking “yeah right.....” but low and behold I was approved. I would just like say to anyone reading this, check your pre approval, you might be shocked of what you may be offered even if your not in the ballpark of the ideal scores.
@@davontaeofficial I think there is much they consider beyond credit score. When I applied, I only had one inquiry from a year before. I also have kept my housing cost super low. Nice thing is Amex does have a portal to check to see if your pre approved.
I got my first three non secure credit cards six months ago. I paid my bills off early and just got approved for the American Express Gold Card. I had no credit history six months ago.
Not true. I had the Green and was offered an upgrade to Platinum and took it. Then was denied for Gold later with a better credit score. I guess it depends on which way the wind blows.
The banks are always managing and refining their product portfolios. One time they may be wanting to grow a certain product so they will be more lenient. While other times they don't want to grow or even shrink another product so they will be more difficult with approvals or even lower credit amounts and close accounts. That's why you should never be too overconfident if you're approved or overly heartbroken if you're denied!
Just got approved for the Amex Gold card with a 677 Experian score and a 74k annual salary. Also, I have the Delta Gold with 6 months on-time payment history.
Can you tell me what your limit with the delta gold was? And what your utilization was before being approved for the gold? I'd love to get the gold next and was just approved for Delta gold.
@@TheMurph2118 When I applied for the Delta Gold, I was given a $1000 credit limit, which increased to $1500 by the time I got approved for the Amex Gold. My utilization was around 5-15% (Can't remember exactly, but this is the range i usually keep it in).
@@4Hollywood thanks! That's what I was just given, $1000 with the delta gold and my income/score is nearly the same as yours. Hoping with good behavior I'll get the gold!
Same. Got the platinum instantly. But went for blue preferred a week later and got denied. Imma call reconsideration Monday and see if i can change anyone's mind. Even if i have to acceot the blue everyday card
They did send me an offer for the green card awhile back and my credit has only gotten better so I'm sure I'll get it. Turned that one down because I wouldn't really get any points out of it aside from the sign up bonus.
I don't buy the argument that the highest cards are the most difficult, I think it's actually the reverse. The high fees incentivize Amex to say "yes", do they not? When they say no, they are turning down the opportunity to collect $695 from you. So I think these might be easier to get than you think.
Noooooope, that just balances out for all the rewards, it's not making a huge profit most people with here cards end up getting more rewards than fees, credit card companies make huge profits off merchant fees that come from their cards being used, but those profits are null and void if the user doesn't pay their balance, that's why credit card companies like people to pay their balance in full every month, they get a return on their investment on time instead of accruing interest and possibly having their money not paid back
I have the Blue by Amex card since it’s their starter card and I’m a student. It isn’t a very good card but for students it’s fine, as I just really wanted an Amex. I will probably upgrade in a year.
@@edison6207 Yes that’s my score and yes I do know about the fees. It’s also not always about the number but your profile as well. I have other cards with high limits and excellent payment history.
I got denied in February for the Gold. I had a 740 Credit score. Then I got denied again in August. I had a 680. They said that my credit cards limits were too low. I had 2 cards with a combine limit of 2600.
@@graymustang i have a 682 score with Transunion and 1 credit card with a 3800 limit . You think i might have a chance with the BLUE AMEX ( the cheapest one ) thx
That’s weird, my sister got approved despite only owing one very classic (basic) credit card with a 1,000 limit prior to her getting the Amex gold (her first card with Amex) her score was not all that either in the 600s.
I have had the blue cash since 2016 and stick with it cause of no annual fee. Lol. 3% back at supermarkets, 2% at gas stations and some dept stores, and 1% everything else.
Had 3 "Beginner Cards" that had no real benefits besides 1-2% back. decided time to upgrade. Got accepted for AMEX Blue cash preferred with a CL of 10,000 and Chase flex with 8600. Credit Score as of time of approval for both cards is 745 and 723 respectively. I suggest before applying for these cards to make sure you have low circling debt, and a steady income! Also dont be hypnotized by the numbers and points. Only get the card you feel youll be able to benefit from especially those with an annual fee.
Just received my platinum and right way I regret.. Never should follow the hype .. FYI NOT A DIFFICULT to get approved. Apply if you're a frequent traveler
Just got my plant card n it’s filled rich w/ perks I just hope they either add back the shop small perk or get rid of that that gym perk n add xtra to travels or add more onto the digi credit other then that I think the card is worth it as long as u use it
I just got approved for the Amex EveryDay 6 days Feb 20 for $1000 after getting approved for the Green Card on Feb 14, so I was looking for a video like this that if I get tired of paying the annual fee for the Green Card and Amex doesn't give me a retention offer that is worthwhile, I can transfer out all my points to the EveryDay Card and close off the Green Card and keep both my points and EveryDay card alive.
I was just approved for platinum (how in the world I do not know) I would actually rather a gold as I would benefit more from the perks but accepted the offer as it was my first Amex and didn’t want to pass up the opportunity.
@@paulpak5956 I think that’s 99 or 95 a month. My general understanding is the lower tier delta and Hilton cards are fairly easy to get. No delinquent accounts mid to high 600s etc
People think calling makes any difference as if the person on the phone is going to listen to your life story and make a decision based on how much they like you 😆 in reality all they are going to do is take your information, input it to the computer, then tell you if the computer approved you or not. Probably after first suggesting it is easier to just fill out the application online. But they dont have any special say in who gets approved or not.
@@kanehorn937 9 I got two credit cards, paid them off in full every month for about half a year. Had a 735 fico score, Amex calculated the 6 months from both card as one year tho
I dont have any Amex credit cards. But the everyday blue 💸🤑 rewards $95 annual fee and the green American express $150 fee would be the 1's for my criteria.
Correct. When I went on a recent cruise and went to order Chinese food last week, they would not accept American express. It's good to have other issuer networks like a visa , mastercard or even discover just in case. Most small businesses usually have a signage on what they take. You can also just ask.The worst that could say is no.
You are probably very responsible credit wise with a 818 score. To Amex you are known as a “deadbeat” they won’t make money off of you. Having great credit score gets you pre-approved but if you are not “spending” is probably a reason.
I currently have the BCP as my first Amex. I’ve had it for almost 2 months. Now I’m pre approved for the gold card, majority of my spend is on dining out second would be groceries. Should I apply for it? Score is 706
Do you spend enough to make that $250 annual fee worth it? Would you drop the BCP? Not sure it would make sense to have both unless your grocery spend is very high.
@@ProudMoney yes more than enough to make the AF worth it. I think I would end up downgrading the BCP to the blue cash everyday card or the magnet but then it would get little to no use after I get the gold! Not sure what to do. Would closing it after 2 months make my score take a big hit?
@@Stonks93 Not sure if it's too late, but because the BCP has no annual fee until the second year, I'd keep it and get the gold card, then first see if Amex gives you a retention offer on the BCP. If they don't then downgrade it to a no annual fee card.
Hey Adam, great videos about credit cards and finances, I really do value your insight. Would you say you're a bigger fan of Chase or Amex for travel? I like how Chase has a 1 cent to 1 point ratio compared to Amex's .06. Also cards like the Freedom flex are great. On the other hand... The luxury travel aspect for Amex is very appealing. I currently have the Chase Sapphire Preferred, I'm considering downgrading and going to the Amex Platinum along with their other cards. Is there a reason to hold both Chase and Amex cards? Can you get a lot of value of holding certain cards with both banks? Thanks for the videos!
It depends on how much you spend with your cards, where you want to go, etc. Amex fans like it because they transfer points into airline or hotel partners and use for luxury travel like first class seats on international flights. this is great but it usually means fewer redemptions because you still use a lot of points. amex is less flexible though because of the bad cashout rate or even buying regular travel thru their portal is less than a penny per point. i think the avg person would be happier with Chase overall, but if you like the thrill of the hunt for travel deals with amex points that can be good too.
I’ve received my approval on my AMEX platinum w/ a 623 credit score. Although, annually I make roughly $167,000. While being denied on the AMEX Blue everyday card.
Because if you had the platinum Amex “wants” you to use it. If you had the blue everyday lower fees, interest. They hope you go crazy and roll over your debt so they can add fees and interest =D
Good information. So, in establishing a relationship with AMEX, which card do you recommend I start with? My current credit score is in the 735-745 range, depending on which agency we're talking about.
I keep getting denied for the platinum based on income 😔. Meanwhile Some other kid got approved with an income of 20k (so he says) and I denied at 40k. Guess I gotta graduate first 😔
Did you build up your credit score? Start with a "lower" Amex. Build a relationship with them first. Once they see your spending habits and flawless paybacks, you should get the Platinum without problems.
Most Banks and Creditors will want to see six months of history. Wait another five months then give them another try. In the mean time, try and use the card as much as possible. If you have to, make two payments per month. If after that, you are still being denied, demand to speak to a supervisor!
@@ProudMoney 🙏💳 Is it unlikely to be approved for Amazon Business Credit Card as my first Amex card? (720 FICO-8 & low inquiries & no derogatories) ... I am hoping my chances aren't horrible since it's a cobranded card.
Adam, Great video it explains some things but Amex doesn't like blemishes or negatives on your credit. Not sure I will ever get approved for a Amex card. Having a prior bankruptcy 4 years ago. I can't find any statistics on percentage of approvals or not with negatives on my credit.
Jeremy I got the Blue Preferred and I had a bankruptcy 5 years ago. Try prequalifing and if they match you with a card apply. That's how I did it. Good luck! 🍀
Did you get the gold? I am prequalified for gold , platinum and the Hilton. I’m nervous to apply my credit is 680 with Experian with 6 inquiries the past 2 yrs. my income is above $80,000
@@chriskelly4430 you’ll probably get the gold card. I’ve seen people under 650 EX get the gold card. Try not to have collections. 1 at most and you should be fine. Good luck
@@chriskelly4430 I did not, trying to be conservative, don’t want to get card I won’t want to keep forever at this point. Gold seems like just too much for building my credit. I’m looking for a cash back replacement for my started BoA cash back card. Good luck my man!
Not sure, many issuers pull from different ones depending on where you are located, and amex often doesn't hard pull at all if you have other cards with them.
I applied for the Gold and Blue Everyday within a week of one another; I got approved for the Gold and denied for the Blue Everyday. Needless to say, I was pissed even though it was my fault.
Do credit card companies try claw back bonuses if you cancel the card after you just received the bonus so you don't have to pay the annual fee, especially the gold and platinum or Chase Sapphire cards.
I’m pre approved for both the platinum and gold I have the blue cash preferred but I rarely use it since I’m on the chase eco system you have to try harder AMEX😁
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NOTE: Credit card information in this video is not guaranteed; we have attempted to confirm all information to the best of our ability but we could simply be wrong or the information could be outdated by the time you watch this video. We are doing our best here, but check our work!
My sister got me the Blue from American Express when I was 19. Other than a store card that I let go inactive, it was the only card I had for 17 years. Made all my payments in full and on time. Glad to say I have a credit score 800+ which came in big when buying a house.
Got my Amex platinum 75k bonus in September of last year, then I got the amex rose gold with 75k offer couple weeks ago 👍🏼
I had my first American Express (green card) while in college. The annual fee then was $55. I used it for one year, then acquired the gold card with an annual fee of $75. Have been a card member for 31 years.
how much fee did they charge you for the gold?
@@Cutecumball
$75
Excellent trade line.
Too bad you couldnt be grandfathered in to that fee lol!
I was pre-approved the Amex Everyday Card with a limit of $8800☺
Me too! Pre-qualified now officially approved today for the EXACT amount
I got 10k off the bat, a year ago, and they just upped it to 12k last month.
That was pretty Cool 👍🏻 don't mean to be nosy but about what FICO score you Had When Approved ? Because I don't want to get inquiry for No Reason.. if you don't want to share I understand..
Big woop !! Brokie
🥳🥳🥳🥳🥳
These cards can be a nice one-two punch. I use my Blue Cash Preferred for shopping, gas, dining out etc. And my Rose Gold for travel, rental cars, hotels...both cards have been very useful, ive been invited to go platinum but declined, as my income doesnt warrant me having it, it wouldnt make any sense. AMEX is great, just spend and apply for the cards that are within your means and youll be fine!
my buddy got approved for platinum with a 682, and it's his first credit card. now i'm getting the referral bonus
I use my preferred blue for everyday, my gold for dining and the platinum for travel and hotel. I have a master and visa just in case I'm somewhere amex is not accepted, but that's not often. If you're able to get these three it's all you would need in credit cards and the relationship with amex is great. highly recommend these three cards
@Tony Wilson why would you used to the preferred blue for everyday over gold? Don’t they earn the same?
Blue is cash back while gold is points
Which one did you have first?
Good concept for this video, Adam! A lot of solid options for many people and I've really grown to like American Express
OMG THANKS SO MUCH! I am 19 and just got approved for the Amex Everyday card with a $10,000 limit.
What’s ur credit score bro??
Boy, hope you learn about playing the credit game properly!
HOW LONG HAVE YOU HAD CREDIT HISTORY?? And what was your score?
That seems like a high limit glhf
@@nickbeatty9704 True. High limit in comparison to his age range. Maybe has history prior.
DUDE.. YOU'RE THE BEST CREDIT CARD CRITIC!
Yes. I applied for and received the AMEX Blue Everyday Cash card on my first try...
I got blue everyday but for just $1000. Its a good start though
Congrats 🥳🥳🥳
Easy to get a 3x limit increase after 61 days
I got the Gold last October with 13 inquiries bringing me up to 14. This month I had 2 drop off and I just got approved for the Green this week. Score floats around 720 - 735 across bureaus.
What was your credit utilization if you don’t mind me asking?
@@edwardthongsrinoon9151 overall it was about 30%. But that was mainly from 2 cards. One was around 80% another around 30% and the rest were all under 10%. Those are just ballpark numbers. I don’t remember exactly.
I got the Blue Cash Preferred with 13 inquiries and I can’t believe it.
I got the Gold with 34 inquiries
@@JAA369 🧢
I got accepted for the gold card last November with no preset spending limit. I was 18 and had 7 months of credit history and made less then 15k a year. I was suprised
I'm surprised, too!
@@ProudMoney little update: just got accepted for the platinum card with the 100k point offer this week. Amex must love me for some reason
@@gehrigcoletti amex isn’t like chase, they LIKE new applicants
@@ProudMoney If I have a score between the three credit bureau’s of about a 625 to 630 with the blue card be a good card to get if I have about $50,000 in income and I just got the capital one quicksilver the end of March
What was your credit score and how much did you get approved for?
I just got approved for the Amex BCP with not so much of clean file. Before anyone ask, 670 Ex
I am thinking about that same card as my first Amex card or maybe one of the MR points cards what you recommend
@@jamesmoore8873 go for a card with no annual fees. Protect age of your cards. Go for the BCE or a Chase card
In a few weeks I will
@@junitolopez3762 So the Delta gold American Express card wouldn’t be a good first card
@@junitolopez3762 I only asked about the car because like which card to go with because the two main categories and spend the most time and gas and groceries
Charge cards have an easier approval than their credit cards once you have a large credit line with them. I believe the platinum is the easiest once you build a relationship with them
I just recently scored the BCE. Once I come out of gardening, my next card is the gold.
Blue Cash preferred is the way to go no doubt
I got one too....if you got a family it's a good choice given the high cash back at supermarkets
Just got approved for one the other day.
@@curmudgeonextraordinaire1884 congrats!!! Hope they gave you a decent credit limit.
I just got approved for the Blue Cash Everyday, $10k limit 🚀🚀🚀
My second "credit" card and first American Express card was the Gold card. I think Amex is more inclined to give "charge" cards than credit cards. I was denied the first time I applied for an Amex credit card. I, of course, now have three American Express cards
totally agree.
I was approved for AMEX DELTA GOLD. I would say it may be one of the easiest cards to get. My Credit History is very limited with tons of Inquiries.
I just got approved for the Blue Cash Perferred!
What was your credit score when you applied
@@itsalexf1 Mine was 801.
I have the American Express every day card was recently invited to upgrade to the E every day preferred card, and two weeks ago received emails inviting me to apply for the platinum and gold however I was hesitant to apply for the latter two.
I am six weeks into spending $2000 to reach 40,000 points which will result in $400 in gift cards or $400 in airline spending.
I wanted the American Express blue Cash card so I will wait another two months and then apply, my credit score is right under 800 so hopefully I will get this card
Grateful for your video !💝
Zappos and Home Depot gift cards, and a few others, have a 1 to 1 gift card payment. You take a big with others. You lose 50% if you get an Amex gift card.
Dave Ramsey dislikes this video. I have two Amex cards the Amex Cash Magnet and the Blue Business Plus. I keep getting offers to upgrade my Magnet to the Blue Cash Preferred with no annual fee the first year but only a $150 bonus. Current FICO is at 752. I like that once in the Amex system any new cards or CLI are done with a soft pull.
Just got my Gold Amex ✌🏽
You forgot the impossible to obtain "Black Centurion" Card...
True. You only get that by invitation only.
Blue Cash Preferred was my 1st Amex card, and my credit was "questionable" at that time.
Is it strictly cash back or can you convert to amex points?
Cash back only but it gives you access to Amex travels and that’s really really good
Blue Preferred is the best one
Just got mine! I hope it’s what’s it’s cracked up to be.
I had a low credit score (-650) and a collection on my account of over 7k and was approved for the gold with 75k mr points.
I check my pre approved odds one day and it popped up. I applied on a whim thinking “yeah right.....” but low and behold I was approved.
I would just like say to anyone reading this, check your pre approval, you might be shocked of what you may be offered even if your not in the ballpark of the ideal scores.
My credit scores are Transunion is 708 eqiufax is 709 my experian is 647 do think I will be approved I and also have 9 inquiries on my experian report
@@davontaeofficial I think there is much they consider beyond credit score. When I applied, I only had one inquiry from a year before. I also have kept my housing cost super low. Nice thing is Amex does have a portal to check to see if your pre approved.
@@davontaeofficial No.
I got my first three non secure credit cards six months ago. I paid my bills off early and just got approved for the American Express Gold Card. I had no credit history six months ago.
Thanks for the valuable information. I am looking into acquiring one of these American Express credit cards. This video was helpful.
When I read another sites info it seems most start with the Delta Gold that seems to be an easy 1k starter
Awesome video. I just got my first Amex card today. :)
You should also mention the average credit score associated with getting approved for each card just to put it in better perspective pective.
Not true. I had the Green and was offered an upgrade to Platinum and took it. Then was denied for Gold later with a better credit score. I guess it depends on which way the wind blows.
The banks are always managing and refining their product portfolios. One time they may be wanting to grow a certain product so they will be more lenient. While other times they don't want to grow or even shrink another product so they will be more difficult with approvals or even lower credit amounts and close accounts. That's why you should never be too overconfident if you're approved or overly heartbroken if you're denied!
Just got approved for the Amex Gold card with a 677 Experian score and a 74k annual salary. Also, I have the Delta Gold with 6 months on-time payment history.
Can you tell me what your limit with the delta gold was? And what your utilization was before being approved for the gold? I'd love to get the gold next and was just approved for Delta gold.
@@TheMurph2118 When I applied for the Delta Gold, I was given a $1000 credit limit, which increased to $1500 by the time I got approved for the Amex Gold. My utilization was around 5-15% (Can't remember exactly, but this is the range i usually keep it in).
@@4Hollywood thanks! That's what I was just given, $1000 with the delta gold and my income/score is nearly the same as yours. Hoping with good behavior I'll get the gold!
I think I’m going for Gold in July. I’m loving my Amex Hilton personal and biz cards.
For some reaon 7-11 is considered grocery store and u can get 3 % on your blue cash card
But do you get 6% back on gas with the blue preferred? :)
@@thraknar3363 only have blue cash. Thats all I can speak for
@@shahnulislam9897 I'll have to try it with my new card. Thank you for the info.
@@thraknar3363 blue cash preferred is 3% gas
This is interesting because I got approved for the Gold right off the bat but couldn’t get the “easier” AmEx Blue Cash Preferred after
That is exactly what happened to me
Give it time then try again
Same. Got the platinum instantly. But went for blue preferred a week later and got denied. Imma call reconsideration Monday and see if i can change anyone's mind. Even if i have to acceot the blue everyday card
@nicholasmccabe1037 , that's weird. I just got the gold, and about two weeks later got the green. I already have the blue preferred.
Blue cash preferred will be my first amex card. I just got the chase sapphire preferred for I'm gonna wait 3 to 6 months before applying :)
They did send me an offer for the green card awhile back and my credit has only gotten better so I'm sure I'll get it. Turned that one down because I wouldn't really get any points out of it aside from the sign up bonus.
I was surprised that the Delta SkyMiles card was easier to get than say the Green given the former has more benefits.
The co-branded cards are the easiest to get approved for.
Ps. The co-branded cards are technically NOT true Amex. Ex. The Macy's Amex -
I don't buy the argument that the highest cards are the most difficult, I think it's actually the reverse. The high fees incentivize Amex to say "yes", do they not? When they say no, they are turning down the opportunity to collect $695 from you. So I think these might be easier to get than you think.
I agree. Also charge cards are a lot easier to obtain.
you are abosolutly correct! I got rejected for CFUCFF, but got my amex gold approved instantly with no credit history.
Noooooope, that just balances out for all the rewards, it's not making a huge profit most people with here cards end up getting more rewards than fees, credit card companies make huge profits off merchant fees that come from their cards being used, but those profits are null and void if the user doesn't pay their balance, that's why credit card companies like people to pay their balance in full every month, they get a return on their investment on time instead of accruing interest and possibly having their money not paid back
I have the Blue by Amex card since it’s their starter card and I’m a student. It isn’t a very good card but for students it’s fine, as I just really wanted an Amex. I will probably upgrade in a year.
I appreciate Amex period.
I was approved for the blue cash everyday card but I really wanted the cash magnet card so bad that card is so sexy😔
With what credit score and annual income ?
Its funny becuz I have the Cash Magnet, BCE and BCP. I rack up soooooo much cash back with my BCP due to streaming services.
@@iOZKERTV 744 score and 47k annual income
@@ImStillStealingSteel yea I wanted the magnet but I never get cards with annual fees
@@GoosbyGoosby -The Magnet has no annual fee. The BCP does.
I have a 674 Experian score. Just got approved for the Gold.
girl how lol....that's it I'm applying
check your fico score, it may be a lot higher. I have a 675 experian score I think, but I have a 735 fico score and 700 on everything else.
@@xero5101 it’s definitely in the 600’s lol
@@Hope-kh6qq bruh are you kidding me ? Amex gold with a 674 credit score ? You know about the annual fees right ?
@@edison6207 Yes that’s my score and yes I do know about the fees. It’s also not always about the number but your profile as well. I have other cards with high limits and excellent payment history.
Thank you so much for all the love you offer the American people. Thank you dear Sir.
I got denied in February for the Gold. I had a 740 Credit score. Then I got denied again in August. I had a 680. They said that my credit cards limits were too low. I had 2 cards with a combine limit of 2600.
that’s weird i have a 660 score with about 3500 combined limit and i’ve had 2 cards like 4-5 years ago go to collections too
@@graymustang i have a 682 score with Transunion and 1 credit card with a 3800 limit . You think i might have a chance with the BLUE AMEX ( the cheapest one ) thx
That’s really low
That’s weird, my sister got approved despite only owing one very classic (basic) credit card with a 1,000 limit prior to her getting the Amex gold (her first card with Amex) her score was not all that either in the 600s.
I got amex blue cash preferred card. A Great looking card.
I got it last week. Love it
Me too. Best for my lifestyle.
Hey, what were your scores when you all got approved?
716
Yeah BCP card is sweet.
I have had the blue cash since 2016 and stick with it cause of no annual fee. Lol. 3% back at supermarkets, 2% at gas stations and some dept stores, and 1% everything else.
It’s a solid card. I use it for gas
Had 3 "Beginner Cards" that had no real benefits besides 1-2% back. decided time to upgrade. Got accepted for AMEX Blue cash preferred with a CL of 10,000 and Chase flex with 8600. Credit Score as of time of approval for both cards is 745 and 723 respectively. I suggest before applying for these cards to make sure you have low circling debt, and a steady income! Also dont be hypnotized by the numbers and points. Only get the card you feel youll be able to benefit from especially those with an annual fee.
The AMEX BCP is worth it just based on the grocery cash back alone.
got approved for the Amex gold! Time to use it next month in Europe bois!!
How was Europe?
@@josesantizo4432 it was beautiful lol, spent most of my time in Croatia but funny most stores and resturants don't accept Amex only visa xD
@@brokentissuebox That’s awesome! Exactly time to get the chase sapphire reserve
@@josesantizo4432 lol yeah I probably will xD
I like the Blue Cash card but that foreign trans fee kills it.
Have them all green, gold and platinum 👍🏽👍🏽
Just received my platinum and right way I regret.. Never should follow the hype .. FYI NOT A DIFFICULT to get approved. Apply if you're a frequent traveler
Can you explain why you regret ? Thanks
Just got my plant card n it’s filled rich w/ perks I just hope they either add back the shop small perk or get rid of that that gym perk n add xtra to travels or add more onto the digi credit other then that I think the card is worth it as long as u use it
Too high of annual fee. Rip off just a flex card for wannabe ballers
I just got approved for the Amex EveryDay 6 days Feb 20 for $1000 after getting approved for the Green Card on Feb 14, so I was looking for a video like this that if I get tired of paying the annual fee for the Green Card and Amex doesn't give me a retention offer that is worthwhile, I can transfer out all my points to the EveryDay Card and close off the Green Card and keep both my points and EveryDay card alive.
NICE!!!! i got invited to the amex platnium at 21 after using everday card for 3 years at cs 760
560 credit score 4k optima card!! yea boi!!!!!
Thought it would be 4k nevermind they gave me 1k but like I said Lenovo prequalify said I had 447 credit score the other day so I am thankful
I am 6 and I was approved for a black card with 412 credit and only 10k a year income.
I was just approved for platinum (how in the world I do not know) I would actually rather a gold as I would benefit more from the perks but accepted the offer as it was my first Amex and didn’t want to pass up the opportunity.
Cool flex card but the annual fee is way way too high
Better in terms of initial offer. Downgrade to gold if you can't justify the cost for another year.
I just hope the card match the personality of the cardholder
Some people say the delta gold is the easiest card to get
It is, has a lower annual fee I believe as well
@@paulpak5956 I think that’s 99 or 95 a month. My general understanding is the lower tier delta and Hilton cards are fairly easy to get. No delinquent accounts mid to high 600s etc
When you have your shit together call in for the application. Don’t just do it online. Call in make it personable.
People think calling makes any difference as if the person on the phone is going to listen to your life story and make a decision based on how much they like you 😆 in reality all they are going to do is take your information, input it to the computer, then tell you if the computer approved you or not. Probably after first suggesting it is easier to just fill out the application online. But they dont have any special say in who gets approved or not.
Congratulations, hopefully one that will happen for me
I have a 750 score as a college student, got approved for Gold and BCP. Pre approved for Platinum also
I just can’t pay that 695 annual on the plat
@@minimalist_monk no point in platinum if you're not traveling a decent amount. gold is great even if you're traveling like twice a year
@@coconutmango9741 I agree 100% I’ve got Gold, Blue cash, and Green all solid cards. Platinum is nice to look at though 🤣
I think you miss out the Amex Centurion Card.
Centurion Card is basically invitation only, there is no way to apply, so there is technically no “approval”
as IF YOU"d know anything about THAT card hahahahaha
That card is not for mere mortals. Lol
@@tw4943I know I'll never see one. Lol.
I’m 18.5 years old. I had 719 experian credit score and got approved for Amex gold lol
same. went with the green instead for the points though
How though? I thought you need a long credit history?
@@kanehorn937 9
I got two credit cards, paid them off in full every month for about half a year. Had a 735 fico score, Amex calculated the 6 months from both card as one year tho
@@xero5101 I’ll have to try that, what credit cards did you use to build your history?
@@kanehorn937 I first got the Discover It student card and then like 3 months after that I applied for the chase freedom student.
I dont have any Amex credit cards. But the everyday blue 💸🤑 rewards $95 annual fee and the green American express $150 fee would be the 1's for my criteria.
@Junior Banda Not my credit score 💯
@Junior Banda Much worst 💯
I got pre approval for Platinum and nothing else.
LOL 😂
With a little hard work you may be able to one day have a secured card.
@@bone_thuggz6969 I never came back to update. I got the gold about 7 months ago 😊😊😊
Damns that’s 6% on grocery is really great!
Thanks for the good content, and good analysis here - I can't seem to find the video where you rank Chase cards (does anybody have that?).
I love you American Express
I’m only approved for the Platinum card.
I got approved with a 670 credit score for the gold card but I don’t know if my income is a big factor. I also have 2 collations on my credit
Is it true some merchants don’t accept Amex cuz they charge the companies high per swipe?
Yes
very correct
Correct. When I went on a recent cruise and went to order Chinese food last week, they would not accept American express. It's good to have other issuer networks like a visa , mastercard or even discover just in case. Most small businesses usually have a signage on what they take. You can also just ask.The worst that could say is no.
Welp I guess I passed the task got approved for the American Express Card with a FICO score of 697 23 years old feel pretty humbled to have one
Ion know it’s not hard pay yo bills/loans on time and you can get any card you want
The Blue Cash imo
Thanks 🙏 to *cardman99* on telegram he is the most legit vendor on here , i never regretted dealing with him ✅
My credit score is 818
You are probably very responsible credit wise with a 818 score. To Amex you are known as a “deadbeat” they won’t make money off of you. Having great credit score gets you pre-approved but if you are not “spending” is probably a reason.
Great video thanks did you hear everything about the platinum card going up on the fee?
I currently have the BCP as my first Amex. I’ve had it for almost 2 months. Now I’m pre approved for the gold card, majority of my spend is on dining out second would be groceries. Should I apply for it?
Score is 706
Do you spend enough to make that $250 annual fee worth it? Would you drop the BCP? Not sure it would make sense to have both unless your grocery spend is very high.
@@ProudMoney yes more than enough to make the AF worth it. I think I would end up downgrading the BCP to the blue cash everyday card or the magnet but then it would get little to no use after I get the gold! Not sure what to do. Would closing it after 2 months make my score take a big hit?
@@Stonks93 Not sure if it's too late, but because the BCP has no annual fee until the second year, I'd keep it and get the gold card, then first see if Amex gives you a retention offer on the BCP. If they don't then downgrade it to a no annual fee card.
Hey Adam, great videos about credit cards and finances, I really do value your insight. Would you say you're a bigger fan of Chase or Amex for travel? I like how Chase has a 1 cent to 1 point ratio compared to Amex's .06. Also cards like the Freedom flex are great. On the other hand... The luxury travel aspect for Amex is very appealing. I currently have the Chase Sapphire Preferred, I'm considering downgrading and going to the Amex Platinum along with their other cards. Is there a reason to hold both Chase and Amex cards? Can you get a lot of value of holding certain cards with both banks? Thanks for the videos!
It depends on how much you spend with your cards, where you want to go, etc. Amex fans like it because they transfer points into airline or hotel partners and use for luxury travel like first class seats on international flights. this is great but it usually means fewer redemptions because you still use a lot of points. amex is less flexible though because of the bad cashout rate or even buying regular travel thru their portal is less than a penny per point. i think the avg person would be happier with Chase overall, but if you like the thrill of the hunt for travel deals with amex points that can be good too.
I thought the platinum card was the most difficult credit card to get, guess I was wrong
He’s right they are about the same, if you travel a lot get the platinum, to get those perks, everyday expenses the Gold does the job.
I’ve received my approval on my AMEX platinum w/ a 623 credit score. Although, annually I make roughly $167,000. While being denied on the AMEX Blue everyday card.
Same here! My score is 627.
Really
That’s so weird as I thought one would really have to get a really high score in order to get such a “luxury” card
Because if you had the platinum Amex “wants” you to use it. If you had the blue everyday lower fees, interest. They hope you go crazy and roll over your debt so they can add fees and interest =D
@@missjadabeta omg how you do my score is 791 and it seems difficult
Good information. So, in establishing a relationship with AMEX, which card do you recommend I start with? My current credit score is in the 735-745 range, depending on which agency we're talking about.
BCE, most people say they pull Experian. I live in NY and that is correct.
They pull from EX so just pay attention to that score only
Thank you Adam
I keep getting denied for the platinum based on income 😔. Meanwhile
Some other kid got approved with an income of
20k (so he says) and I denied at 40k. Guess I gotta graduate first 😔
Did you build up your credit score?
Start with a "lower" Amex. Build a relationship with them first.
Once they see your spending habits and flawless paybacks, you should get the Platinum without problems.
@@Shaolinof36thChamber credit score is a 747 I have BCE. with them but it’s only a month old.
@@Shaolinof36thChamber LMFAO I got approved for it today.
@@NasjereWilliams Congratulations!!! :)
Most Banks and Creditors will want to see six months of history. Wait another five months then give them another try.
In the mean time, try and use the card as much as possible. If you have to, make two payments per month.
If after that, you are still being denied, demand to speak to a supervisor!
So allot of hypothesis and no actual numbers as far as statistics to go by?!?!? Hmmmm
I’m at a 680 credit score and I’m 20 years old and I got approved for a Amex platinum 🥳
How much do you make per year?
I am 6 and I was approved for a black card with 412 credit and only 10k a year income.
I was approved for the platinum with a 659 but was denied for the gold card 😩
Give it time and then try again in your account.
It would kinda make sense. They are likely to make money from annual fees which is less likely with the Gold.
Did you already have the platinum when you got denied for the gold ?
Brilliant!
Thanks!
@@ProudMoney 🙏💳 Is it unlikely to be approved for Amazon Business Credit Card as my first Amex card? (720 FICO-8 & low inquiries & no derogatories) ... I am hoping my chances aren't horrible since it's a cobranded card.
Adam,
Great video it explains some things but Amex doesn't like blemishes or negatives on your credit. Not sure I will ever get approved for a Amex card. Having a prior bankruptcy 4 years ago. I can't find any statistics on percentage of approvals or not with negatives on my credit.
Jeremy I got the Blue Preferred and I had a bankruptcy 5 years ago. Try prequalifing and if they match you with a card apply. That's how I did it. Good luck! 🍀
I paid MY AMEX CARDback in my Bankruptcy back in 2015, and was told that I qualify now to applied
Not true I have one charge off 2 collections
Good video! Is the Blue from American Express upgradable to the BCE card over time?
Hmm, interesting. I’m pre approved for a gold but not cash preferred.
Did you get the gold? I am prequalified for gold , platinum and the Hilton. I’m nervous to apply my credit is 680 with Experian with 6 inquiries the past 2 yrs. my income is above $80,000
@@chriskelly4430 you’ll probably get the gold card. I’ve seen people under 650 EX get the gold card. Try not to have collections. 1 at most and you should be fine. Good luck
@@chriskelly4430 I did not, trying to be conservative, don’t want to get card I won’t want to keep forever at this point. Gold seems like just too much for building my credit. I’m looking for a cash back replacement for my started BoA cash back card.
Good luck my man!
Pre approved don’t mean anything
Hi Adam! Great info. Do you know what bureau AMEX usually pulls from and consider?
Not sure, many issuers pull from different ones depending on where you are located, and amex often doesn't hard pull at all if you have other cards with them.
Experian for me. Florida
I live in Texas - they pulled Experian for me as well.
Experian in Maryland for my first AmEx card (Hilton), soft pull for my second (Gold)
They always pull from experian . I have 3 and my wife has 4 .
I applied for the Gold and Blue Everyday within a week of one another; I got approved for the Gold and denied for the Blue Everyday.
Needless to say, I was pissed even though it was my fault.
Started with the Gold I take it?
@@ProudMoney Yep!
My credit scores are Transunion is 708 eqiufax is 709 my experian is 647 do think I will be approved I and also have 9 inquiries on my experian report
No.
Yes
Call to remove the inquiries that aren’t attached to good accounts
I have a 641 and got upgraded to a BCP from BC
Hi. I just got approved for the Everyday card. Hoping to use it and pay it off each month and hoping to upgrade to Gold in a few months.
Do credit card companies try claw back bonuses if you cancel the card after you just received the bonus so you don't have to pay the annual fee, especially the gold and platinum or Chase Sapphire cards.
After a year of having the card, they won’t. Just cancel or downgrade it during the 30-day annual fee refundable period after 12 statement cycles.
Amex welcome offers is 1 time deal
Me at 13 with the everyday preffered card
I’m pre approved for both the platinum and gold I have the blue cash preferred but I rarely use it since I’m on the chase eco system you have to try harder AMEX😁
Once you commit to Chase it takes a strong offer to tear you away.
I’m on the same boat actually with CSR/freedom and Amex blue cash preferred. But I really feel itchy to feel heavy “metal” Amex platinum.