I was just approved for this AMEX Premier Gold today, Wednesday, after submitting an online application on Sunday morning (and after having been approved for the Blue Cash Rewards $2k limit on Wednesday, a week ago). My scores are TU 707, EX 655, EQ 673 as of right now. I had kicked around the idea of applying for the PRG and Blue Cash at the same time, but decided to see how the traditional credit card approval went, and it was instantantly approved on that decision. On this one, they called this morning just to confirm my address and birthdate, and then the approval (after about a minute) was finalized right on the phone. For anyone considering applying, some factors that may be important beyond just credit scores are debt-to-income (mine is roughly $10k in student loans to $64k self-employed income), credit utilization (mine is under 5%, paid in full monthly), payment history (I do have 6 total late payments between 2012-2013, but none since). So if I had to sum it up, I would say mid 600s Experian score, no lates in the past 24 months and no open collections (my EQ & EX reports still show some closed collections; 2 from pre-2012 and 1 in 2013). Hope this helps.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR Not Applicable
- Annual Fee $0 intro, $195 after first year
- Purchase Intro APR Not Applicable
- Purchase Regular APR Not Applicable
The Premier Rewards Gold Card from American Express is a charge card with great rewards that’s aimed at good-to-excellent credit consumers.
What to Like
There are plenty of ways to earn rewards with this card. You can earn 3x points on flights booked directly with airlines, 2x points at eligible gas stations, restaurants, and supermarkets and 1x points on other eligible purchases. There’s also a rewards bonus if you meet minimum spending requirements, no annual fee for the first year and no pre-set spending limit.
Look Out For
This is a charge card, meaning you’re required to pay your balance in full each month. There’s also a $195 annual fee after your first year and no pre-set spending limit doesn’t mean unlimited spending.
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I've applied with Amex before several months ago but denied for the green and blue everyday cards. Recently I have been getting solicitations from Amex for the green but did not bite because they did not give a RSVP number. 01/30/17 I got an invite for this Gold card with RSVP number, after much trying to find if it meant approval and not finding any good info, I bit. Glad I did it was approved. Since they do not give preset spending limits you can check via online if a charge will be approved without effecting anything. I checked to see if a $2500.00 charge would be approved and it would. Many have said in research Amex is typically a 2 for 1 pull so I tried again for the Blue everyday and was denied. At least now my foot is in the door and hopefully will get a RSVP for the blue everyday before next year when the $195.00 annual fee kicks in.
My scores TU 655, EQ 655, EX 657 no collections or anything, rather high utilization (my bad lol).
Bottom line from my experience, if you get a RSVP number just go for it you most likely get approved.
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Data Created: February 02, 2015
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