I applied for this card about 5 months ago when my credit scores were not good. I was very lucky to get approved because I had low approval odds. This card is a charge card so treat it just like a debit card with the exception of paying your balances in a month time. Be EXTREMELY RESPONSIBLE because Amex gives you an open spending limit. Your credit utilization ratio doesn’t affect your credit scores while you use this card but instead focus on making sure you pay the full amount of your balances every month. Overall I am very satisfied with this card. Definitely recommend it!
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
Most Helpful Positive Review
Most Helpful Negative Review
Had this card for couple years. Amex isn’t trying hard enough and the results are showing on their earrings each year. Customer service is no longer as good; now that most of its call centers are located in the east. The benefits on the card are just ok and the conversation ratio to different programs do not justify the annual $195 fee.
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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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