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.
Will screw up your credit score
They decreased my credit limit after a year of owning one never had a single late payment always paid few hundreds over the minimum due
also they don’t negotiate lower down your interest rate like other companies
American Express is NOT GOOD AT ALL!!!
American Express sucks. They invite you to $10000 credit limits, for example, and then, when you have a $4000 debt, for example, that you are paying with no late payments included, the will reduce your credit limit into $5000 in order to make you pay. They will destroy your credit without consideration. They won't notify you before, they will just do it. They offer you big credit limit, make you bite and then they will try to take all the money you took as a loan, and they will try to do it in one second...and if you do not pay, they going to take the money from the companies that insured their way to exist. I will never have another card from that guys. Not recommended, not at all. Don't like the way they do business. By the way, if you call them, they will put someone from INDIA to take care of you, you won't understand a word, trust me.
Very true
Horrible !!!
I own this credict card, the cash back, you only can use when you make $ 25 or more, and you need to process it to be availabe to use, I have Discover and the Caskback is automatic ready to use it does not matter if you have $ 2, you can use it. And the offer to "PLAN IT" payments, is a pay system, but ... the report tou balance !!!!! is like you are not making payments !!! . For example is you spend $600 Amex offer 3 payments of $200/mounth , ok is fine , but the report the balance !!!!! is NOT A PAYMENTS SYSTEM . if I have a payment plan . my payments is $200 a month. if I not pay $200 . report my balance=$200, or if I pay $100 . report my balance $100.... don't get this Credit card
Great and simple
The AMEX Blue Cash was my 2nd Credit card ever, and I love it. 3% back on groceries, 2% back on gas & certain stores, and 1% back on everything else.
I look forward to holding this card my entire life, and upgrading it to the Blue Cash Preferred for 6% back on groceries & 3% back at Gas stations & certain stores once I have a family! I would recommend anyone who does not have a family yet to get this card. If you have some hungry mouths and spend more than $31 at the grocery market per week, get the Blue Cash Preferred!
nice card customer service is excellent
my scores are 825,813 amd 840 i was approved for $13,800.
American Express is great!
Highly recommend
Low lines of credit
This card gave me my lowest limit yet. I have other cards with over 10k limits. This one only gave me 1000. My credit scores I the 740s
If you have a ton of cards and a revolving balance, most banks will give you a small line on new cards. And if you already have an Amex card, it's almost guaranteed you'll get a smaller line on that second card. You did not provide any of this information, so maybe the you should get 1 star as a customer.
Great Grocery Card, Great Benefits
This card is straight forward. It's great for groceries, and it has great benefits that I've used multiple times now. American Express' customer service has always been good for me, and all of the claims process is done in house and is easy to fill out as well
Great starter card and everyday card
I didn't have bad credit, I just had no credit. Spent 30 years paying cash or using my debit card. Decided I needed to play the game if I wanted a good credit score. 7 months after I got my very first credit card (Cap One $2,500 limit), I applied for a Blue Cash card. I was disappointed they didn't offer me the bonus, but beggars can't be choosers. I was only approved for $500 with a 669 Experian score. I used the card for gas and groceries and little oddball stuff. Made one payment a week and only let $20 go to statement each month. Made my payments and after 5 months they raised my limit to $1000. I kept doing the same thing, make a payment a week and only let $20 go to statement each month. After 10 months they raised my limit to $3,000 with a 708 Experian score. Amex has been great on the customer service and their phone app is easy to use. Payments post almost immediately. I plan on upgrading the card to the Preferred card after I have had it for a year as I spend more than $66 a week on average for groceries. So far I have run into only two places that haven't taken an Amex card, Great Clips and most doctors offices. It is a great card and Amex will treat you right if you treat your credit right. Highly recommend.
Best Credit Card Company!
I destroyed my credit by not using it for several years. It’s been rough trying to get it back. American Express has been good to me! Customer service is fantastic! Payments are quick & easy and post immediately. No hidden fees, ridiculous interest or games, just a good place to do business with. I started with a rather low credit limit but it doesn’t matter as you can make payments as often as you like keeping your balance low.