Dont rely on your CK approval odds
If you're considering applying for this card based on your approval odds from CK don't! AMEX checks your FICO score and doesn't pull from Transunion or Equifax, so to say the creditkarma approval odds are inaccurate is an understatement. I suggest checking your Experian score and most important, check if you have pre approved offers from AMEX before applying.
My review/experience so far..
When I applied for the Blue Cash Everyday my FICO score was somewhere around 740s-750s. I was approved and decided to apply for the Everyday Card at the same time, I was approved as well and they only counted as one inquiry so that's great! I received my cards roughly a week later via FEDEX overnight, included was my Experian score and report.
A few things I like/dislike so far..
I like AMEX gives high starting limits and a 3X CLI after 60 days of opening the account. I like they give its members access to their FICO 8 score. The rewards aren’t rotating categories but the cash dollars updates at the end of each statement and you can only redeem in increments of $25. I let it build up anyway so that doesn’t bother me.
So far I’ve only had 1 merchant that did not accept AMEX and being a large purchase it was disappointing, I ended up paying with a MC instead. Customer service seems to be outsourced, some agents have a strong accent and can be hard to understand at times but they're very friendly, courteous and try hard to make it right and fix whatever issue you might have. It takes about 2 months to start reporting on creditkarma, then reports 1 month late but eventually reports on time. Creditkarma is great for what it is, a free service. I don’t rely on it 100% and have a premium subscription with a reputable company that gives all 3 bureau score/report that updates in real time and so much more.
Excellent
Excellent must have card customer service is excellent as well
Excelent approval process!!
I needed a second credit card, and this sounded like a good idea since I only want to use it for supermarkets or small bills. I was not sure if I was going to be approved, but I took my chances since Credit Karma said "Excellent approval odds." My credit age is very young (2yrs) and my scores are TRA 703, EQU 728, FICO 751. I was immediately approved with a credit limit of 10K, which is amazing for me!! Even if I end up not using it that much, it has no annual fee, so there is no downside.
Good cash back card.
Nice looking card. Amex has always taken care of me when frauded. I like this card. My only gripe is a lot of my large purchases aren't cash back eligible. If I spend almost 5 grand on something I'm expecting my rewards balance to go up at least 50 bucks (1% on all other purchases). Only to be disappointed when it only goes up 15 bucks or so.
Amex is always a month behind on the cash back.
Good Card
I have this card and use it often for groceries and gas. They place your rewards on your next statement so the best way to acquire your reward credits is through gift cards. You will receive them in 7-14 days instead of the 45 - 60 credit on your account.
I get a statement credit every time, takes a couple of days.
Move on to next option.
Near excellent score, last new credit card was approximately 18 months ago and I was approved for 9800$ then by capital one, approved for 2000$ this time. I make more money, I have a better credit score, I have no negatives since last card...why 1/5 the credit limit?!?! I make more in one paycheck than what they approved for my credit limit! Mistake, wish I could go back and choose another card.
AMEX discontinue rewards after 6 months
Amex will stop rewarding cash back and points after 6 months of using the card. I noticed after a while that they stopped awarding the cash back for no reason at all. Made purchases in Restaurants and Gad stations I frequent usually and I was no longer receiving the cash back rewards I was getting for the same purchases in the first 6 months of having the card. I had two cards and cancelled all inmediately after noticing the scam and several times I claimed to Amex I wasn’t getting rewarded for any of my purchases. Avoid all Amex cards, they seem too good to be true.
Huge disappointment.
Yeah, sure they will. Had the card over 5 years and with the offers they have now included, the reward dollars are better than ever. So no, after 6 months they do not stop awarding dollars. Might want to check your statement and talk to customer service.
Lukewarm reception
I applied less than a year ago and instantly received a CL of $8000. Just remember they pull from Experian and not TU or EQ so Creditkarma isn't exactly a reliable source for approval odds. I docked off two stars because of two reasons: First, even though I worked hard over the years to build up my credit score to ~ 760's - 780's across TU, EX, and EQ and got approved with a 777 EX score, I never received the $150 sign-up bonus at all. I had a retcon with a representative twice over it and was told, yes, I did receive the bonus. It's an error and they'll have it fixed. It's already almost a year and still nothing so not a fan of the bait and switch strategy with this offer! I even applied for Chase Freedom Ultimate the next month after American Express and received my $150 immediately. Secondly the perks and bonuses offered isn't all that grand unless I heavily charge with this card. Overall it's an okay credit card from my experience. 15 mos. no interest plus instant approval with a good starting CL was an excellent start but everything right after is just lukewarm. Learn from my experience and take it into consideration.
Do not get this card!
Very inflexible with everything. Missed a payment by literally 6 hours over Thanksgiving week. Still charged a $27 dollar late fee that they would not waive. Much better options out there. Capital One or Discover.
It's a bad card because you were late paying. If you are 6 hours late for your flight, do not fly that airline? 6 hours late for your exam, do not attend that university? 6 hours late for a date, do not date that girl? Maybe Amex should say, do not take environmental1 as a customer.
Read the fine print!!Beware!
American Express lies about the offers they advertise. I already had the blue cash card, but frequently stay at hotel so I applied for Hilton honors card and the bonus offer advertised on their website and got approved for the card however no offer was applied. I filed dispute with them threatening to cancel the card because of the deception of the offer. It took three weeks and they ruled to not apply the offer. So therefore I have lost confidence in American Express and cancelled the Hilton card and it’s $95 a year . Plus many vendors do not even accept Amex. So I avoid using this dishonest company with horrible customer service
It seems that you are OK with the Blue Cash card and wrote about another card. Not very helpful here. Is there anything else you want to add? What you bowled in your last game or how your fantasy football team is doing?
Just awesome!
I had fair approval odds for this credit card in Nov 2017, but was approved with a $500 CL when I applied. It's been a whole year, and my current CL is $2,500 - If I had known to ask for more, I would've; they only take CLIs into consideration every 6 months. They have great customer service, and a very efficient phone app (where you can ask for a CLI too.) I must praise the phone app for its convenience and overall easy navigation. I can do almost everything on it, and see most of my information (not pie charts of my spending, those are on the wesbite.) I can also say that the free FICO score is accurate, because I'm paying for an experian subscription that refreshes my credit score when there is any change - although Amex doesn't refresh as frequently. Overall, this is a great card with great cash back rewards, just make sure you read what stores/vendors are eligible.
Hi on amex cards you can get a cli 3 times for year i was approved for 2000$ my limit now is 10,000$ i'm not going to use it just did it to raise my score a lot of users hear don't like it they cry about they was denied not knowing it could be there reports causing them to be denied like if you got a fraud alert with no contact info you want get approved.