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.
Very good card with no annual fee
The rewards on this card are pretty good. Applied through credit karma. My first american express card. I had excellent approval odds so I figured I should apply. I was instantly approved for $3900. A couple months later I was given an increase to $10500. And no APR for 12 months is great too!
Kinda Disrespected
I have a score of 720 and I responsibly manage $10,000 of credit. I think it goes without saying that I felt pretty disrespected after getting approved, but only for $1,000. Super upsetting in my opinion.
Never again
I always paid on time my credit score was 690-730. I was going on a cruise and was going to use this card exclusively. I had a $15k cl and my balance was $13k+.I decided to pay $3k to have enough money to use on this particular cruise. As soon as the payment posted they dropped my cl to $10. I had to scramble to get some money for my vacation. Customer service was no help.
Good in Super Markets
This is a really good card for 3% cashback at super markets. I strongly recommend getting this card because 3% can go a long way for getting food and/or supplies from supermarkets (WALMART AND TARGET aren't supermarkets
you can get 3% back from walmart if you do walmart grocery pickup
That’s good to know. Thank you for sharing this information!
Love this card!
I got my sign on bonus quickly. I like this card a lot and use it for everyday purchases.
how long after you reached the $1000 min spend did you get the bonus?
Its going to depend on your spending habits. If you buy a lot of merchandise up to 1,000, it will take longer due to the risk of returning merchandise. On the other hand, if you buy a lot of restaurant meals, it will happen pretty quickly, especially if you blow way over $1,000.
Ok
My daughter passed away in December 2018! Add a job switch 1 month prior and our credit card balances began to increase. Tough times but we never made a single late payment on any accounts.
All of my credit cards were fine with the exception of one. American Express reduced my credit lines to the level I owed and effectively killed my credit scores! Suddenly I was at 100% of the line! I called to cancel my cards and they warned me it could hurt my credit scores! I politely told them you all ready have!
I will continue to make payments till the accounts are paid off but will never use Amex again! Fair weather friends!
So far, so good
The last credit card I applied for was about 12 years ago so I decided it was time to add an AMEX into the mix. The application process was very simple and I was immediately approved for 25k. It’s only been 2 months, but in that short time my credit score went from 785 to 811. I’m not a big credit card user, but I’ve read several reviews that state AMEX will lower your credit limit due to inactivity, so I make small purchases and pay it off as soon as it pops up on my account. So far I’ve had no issues to report and I hope it stays that way.
BAD CARD
They will give lure you with a good offer for a balance transfer balance, if you still have credit left after the the balance transfer and you don't use the card, they will automatically lower you limit, it really does not matter to these people if you pay on time, if your credit score goes higher, they have bad customer service.
You probably aren't disclosing information regarding your credit situation as of late. Maybe you missed a payment with another card or account. They lost trust in you.
Same thing happened to me. I wasn't using the card too much so they lowered my credit limit.
Deceitful marketing
I Applied for this card in order to do a balance transfer, which this card was recommended for. I read all of the fine print and it said nothing about only being able to initiate a balance transfer one time. I also only got approved for about half of the amount of the balance I need to transfer. I called them and asked them if I could transfer a balance, pay it off, then transfer another balance that way I can Applied for this card in order to do a balance transfer, which this card was recommended for. I read all of the fine print and it said nothing about only being able to initiate a balance transfer one time. I also only got approved for about half of the amount of the balance I need to transfer. I called them and asked them if I could transfer a balance, pay it off, then transfer another balance that way I can still Use the card. They said no and that I can only do one balance transfer with this card and that there is no way that I can increase that credit limit. Now I am stuck with a useless credit card, a hard inquiry on my credit report, and no way to actually transfer my balance off of my current card with a 25% interest-rate. Use the card. They said no and that I can only do one balance transfer with this card and that there is no way that I can increase that credit limit. Now I am stuck with a useless credit card, a hard inquiry on my credit report, and no way to actually transfer my balance off of my current card with a 25% interest-rate. I explained all of this to American express and how they marketed this card In a deceitful manner and now they have lowered my credit score and I am stuck with a useless credit card and they do not care. The woman on the phone told me there is nothing that she can do. If you need a regular credit card, sure this will work, if you need to transfer a balance or want this card in order to help your credit score, DO NOT DO IT.
Why in the heII would you transfer a balance to a rewards card and use it at the same time and pay even more interest? Get a low interest rate credit card for balances. Use a rewards card for rewards and pay the monthly balance in full. You probably need to focus on eliminating your balances before using rewards cards.
UnAmerican customer service
Watch your balance like a hawk
I do, and it's always accurate. Very American!