I rebuilt my credit over the course of 3 years waited till I was at least a 690-700 before applying for my first real credit card I did research for a couple months meaning I don’t make any kind of credit decisions lightly and wanted a card to fit my lifestyle after all my research I decided that American Express would be the best company for me with their variety of different cards and perks charge/credit cards and the fact that their point system isn’t over inflated with an absurd number of points that makes you feel like you have more value than you do they have a very well rounded point system so I decided to apply for an Amex Gold card through credit Karma because I had very good approval odds and I So I applied through the app and was approved in 5 minutes and had my card a week later after a few months with the card I have to say I absolutely love it I am a family man and feel like this is the perfect family card I spend ballpark 600-700 in groceries a month that’s 4x points per dollar and we like to eat out also that’s 4x points per dollar at restaurants so this card has substantial value for families and if you pay attention to the negative reviews about this card it is because it’s a charge card and people complain about not being able to Cary a balance and don’t like paying it off every month 1. I got this card because it’s a charge card meaning I only make purchases that I would have to make anyways month to month groceries and eating out meaning I’m not over extending myself buying wish list items I use it and just pay the balance the next day I don’t wait for statements to come out I use it then put it back to $0 because it’s money I would spend anyway at least I’m getting rewards and points 2. The customer service has been great in app no complaints and I will be getting future credit cards with them so before you apply or use this card do yourself a favor and have a full understanding of what the difference between a charge and card is charge cards can be a great tool to keep you from over spending month to month and not stress about carried balances growing in size and they definitely come with more rewards and perks
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR Not Applicable
- Annual Fee $250
- Purchase Intro APR Not Applicable
- Purchase Regular APR See Terms*
Most Helpful Positive Review
Most Helpful Negative Review
The customer service is absolutely horrible! I called American Express 6 times in 2 days to clear up an email regarding activity on a card that has been closed for 4 years. After wasting 45 min the first day that ended with 3 transfers to individuals that couldn’t assist and then was transferred to a department that promised they could assist, the phone was disconnected. Not wanting to explain the situation over again after explaining it 3 times, I gave up and resolved to call the next day. I called the next day and guess what? The same exact thing! I was on the phone for 40 minutes and it was like dejavu. Extremely frustrated, I asked for an email or online chat to keep from doing this all over again. It’s not in me to be disrespectful so i decided I would email instead. After all, it’s not the workers fault that I could not understand them and they had no clue as to what to do. I was given an email to the chairman, I emailed him and never heard back. So basically, I have no idea if an account has been fraudulently opened or not because the customer service is the worse I’ve ever seen. Think about this before you go for one of these cards.
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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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