So about two weeks ago I took a chace on applying for a Blue Cash Everyday card and was approved much to my shock. It's been a long road to rebuilding my credit so it was exciting to be approved for an American Express, a card i've always held in high regard. I then logged into CK and saw that my approval odds were very good for a Delta Skymiles Gold card with AMEX.. so i took a chance and applied for that and was approved. I got home work the same day and came home to a mail in prescreened offer for the Amex Gold PR and decided since i'm on a roll why not? I applied via phone and kept the representative on the line for almost one hour with tons of questions. By the end of the call i was so pleased with how entusiastic and well versed the representative Christian was that I decided to pull the trigger. I was approved instantly 3 cards in 2 weeks with AMEX after years of not even being able to secure the worst cards like Credit One and First premier bank. at the time of application for all 3 my scores were as follows: TU 701 EX 700 EQ 692 ... no collections, no missed payments, WF Secure Platinum Card, and Capital One QuickSilver One.
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.
Most Helpful Positive Review
Most Helpful Negative Review
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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Sample Size: 125
Data Created: February 02, 2015
Note: Sample data consists of Credit Karma members who hold this card.
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