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.
Sudden Cancellation
I was notified today that my account, which had $0 balance and 0 late payments ever in two years was cancelled! Their reasoning is that my card balances on other revolving accounts is hign and that there has been no activitiy on my AE card in twelve months. Contradictory much!!!! Their cancellation without notice will ultimately hurt my score because my available credit will reduce, therby increasing my usage to available credit ratio. BULL****!!!! Don't bother with this card. I used to consider AE a reputable company, not anymore!!!
You didn't use your card...that's a cardinal sin when it comes to banks and credit card usage. Sorry, but you made your bed on that one.
Run up your other cards and not use the card over a year increases their risk. I would have closed the account on you too.
DON'T DO IT. EVER.
Have the card for over a year, take a promotion at work, use the card for some business related expenses getting started. My limit gets LOWERED and I call to find out why. Get told that if I promise to pay so much of the balance in the next 60 days, we can discuss getting my old credit limit back. Nowhere near exceeding the previous credit limit, but now that they lowered it, yes. There had BETTER not be any "over limit" fees.....DO NOT GET ANY CARD FROM AMERICAN EXPRESS.
Versatile card for travel
Excellent customer service, easily accepted without issues, sometimes website a little wonky
If anyone needs a fast credit boost please don’t hesitate to talk to data scientist called Royalblade on telegram @ royalblade or e-mail Royalblade @ protonmail. Com. He has done a good job for me, I would like to help others get this help since I know how much I suffered to get this.
Good for everyday purchases
I got this card as one of my first ones, perfect card to add to the collection to add while building credit that adds value!
I also love Amex customer support!
Approved in 30 seconds
Great for the intro apr at 0% 15months got approved for a 4000 credit line with 745 credit score from credit carma
It’s a fraud.. never gave $150 bonus
I had spend well more than 1000$ in first 3 months.. they never gave 150$ as told in agreement and advertisement.. followed multiple times over phone and online chat.. never got
if you previously had this card, you wont qualify for bonus or maybe you didnt spend $1000 in 90 from the day you were approved. who knows...
I also think if you upgraded you don’t qualify for the bonus.
Had it for years Great Card!
Ive had American Express Blue since 1999 and I love it. Never had one problem with the card and have used it to travel in the Military and after I left the Military. Great card used it and wore it out several times. Now I use it for Business and it has great perks for car rental etc.... American Express will never leave my wallet, because when others have failed it was my goto card.
GREAT!
There are a LOT of horrible cards out there. This is NOT one of them. I got a GENROUS Credit limit and No hassles from them. No Soam mail. NO unsolicted calls. I do not thin kthis card offers you anything such as CHECKS (its American Express-on a NO annual fee card-AMEX just doesnt gie out checks to use against your credit limit. ) Otherwise-I think its a might FAIR card for the CL I got.
Options, options, and more options.
They started me off with a $10,000 limit and then I receive two bumps within 6 months up to 14500. I started with a high 600 credit limit now I'm at almost 750 because of this card. More than a year of no interest, welcome bonus, cash back, and so many discount offers definitely recommend to everybody!
Perfect card to build trust with Amex.
This was actually my first credit card. I was approved in March of 2018 for a $4000 limit. Very thin 700 credit score and $70k income. Only thing on my credit was my auto loan an authorized user credit card. 13 months later my limit is $15,000 and I was upgraded to the blue cash preferred. I also now have the platinum card with Amex. Once you have a good pay history, they offer you everything they have lol. Great rewards for the $0 fee. Highly recommend