Opening an account for me was harder than most since i had to call in to finish the application, but customer service was great and answered immediately so no problems there. Turnaround time for pushing funds FROM Amex website into an external account is ~3 days. For pulling funds into the Amex savings account FROM the Amex website it takes about 5 days for the funds to become available, but it is posted immediately and interest accrues starting on the date you initaiate the transfer, so no issues with that either. Does what a savings account should do with a good yield and great customer service, but it is a no-thrills service. Very basic website and no mobile app.
I applied for this card and approved 2 months ago and they still have not sent me my card. I have called and been on the phone for hours. They have supposedly sent the card 5 times. I own cards with several other companies and expected American Express to exceed my expectations and instead they've done the complete opposite. I am keeping the card because I don't want my credit to decrease, but that is the only reason. AMEX this is dissapointing.
The current public offer for the Delta Gold Card is 30k bonus miles for $1,000 spent but if you want to use my refer a friend site it's 50k for first $2,000 in 3 months and another 10k after $1,000 in the first 6 months. Feel free to email me at joetheoneandonly att g mail dot com for the offer (expires Jan 31 2018)
I applied for this card in January 2015 right after our mortgage began reporting. My Experian FICO was 672, so I was surprised that they approved me with a credit line of $7,500. I'm not sure if my SPG Gold status played into their decision, but I was SPG elite for 5 years before applying.
There are numerous perks to this card--enough to warrant its fit with the first annual fee waived--especially now that there are many more opportunities to earn Starpoints through Marriott stays. I used points to pay for one week in a W Marvelous Suite, which is way more than the $95 annual fee.
With responsible use comes credit line increases. This is our primary spend card and it was a breeze getting the business version of this card with instant approval.
It will say the approval Odd is very good and when apply for the card they will disapprove you and impact on your credit score. Garabahe
I Love my AMEX, best service ever,
1) Amex Offers are great. You get cashback on things you'd spend money on anyway.
2) The points earn is great.
So far I have no complaints with this card. Yes, the fee is a little steep, but the fact that I can pay for lounge access at a reduced rate without having to be flying business (or with someone flying business) is a nice perk, plus there is one free companion voucher per year, so my husband or son can join me for a trip for "free". Personally, I have been super happy with AMEX and the partner offers that have easily saved me the annual fee's worth of money on items I would have purchased anyway.
Scores TU 732/EQ 728/EX 701
I have AMEX Blue CL 1500 zero balance
2 Capital One total CL 6550 zero balance
Discover CL 5500 balance 800
Credit one CL 3000 zero balance
Bankruptcy in 2014 paid 100% of all debt completed.
APPROVED initially for 1k but called them and asked for 5500 since i use it for business. They saw I had a corporate AMEX for 5500 that i just cancelled, so they offerred me the 5500 CL!! Yay
Love this card. I travel for business and only use Hiltons, so I was already a Diamond Member. The perks of auto upgrades and meals along with the 100k point bonus after dpending 3k. I did that in 1 month and paid card in full since I use it for business trips. I was disappointed that it took 60 days to get my 100k points, but i maintain 100k. Customer Svc is 24/7 and have been excellent.