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 for the first year, then $195
- 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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Most Helpful Negative Review
I was awoken to our phones ringing early one morning saw messages was freaked out thought someone stole our idenities or something. Message stated to call them immediately so we did with family visiting from out of town gathered around wondering what amex wanted. Well I got yelled yes yelled at because she thought I was on speaker phone and she heard my husbands voice and then was told I needed to provide financial documents. I asked why and they said because my husband uses his card 78% and I use mine 22%. We are old fashioned my husband still pumps my gas and pays for everything we have been together since highschool. I thought this was crazy and thought I was being scammed and told them what I thought, paid off my account and they canceled my card. Never again never!!!
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Data Created: February 02, 2015
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