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
Most Helpful Positive Review
Most Helpful Negative Review
I have had this card for a year and use it regularly. My initial credit limit was 2000, and over the past year I my EVERY payment ON TIME or early and always more than the minimum payment. They just decreased my credit line to 1000 for no reason! I will be paying this card off and closing it this week, this is no way yo repay loyal, responsible customers. Terrible service, very disappointed!!!
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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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