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.
Zero benefits with short balances
Not worth it.
Hmmm. I got a lot of benefits with long balances. Definitely worth it.
Maybe you have a Xema card.
Maybe you have bad credit
awesome
great card if you use it wisely
how much score do I need to get this card ?
Offers good cash back rewards
This my firsy American Express card. I applied throught credit karma and received a $2k limit. Application process was easy and an instant approval. Card arrived fast. No issues as of yet!
Hi, what range was your CK score when you applied for this card?
Run!!!
My credit limit was cut in half for NOT USING my card as much as they wanted me tok and my credit score plummeted. About 6 months later they closed the account becasue they say I wasn't using the card enough. WTF!
Thankfully all 3 credit scores are now almost at 800.
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Thank you for your review. The exact same thing recently happened to me even though I used the card the previous month, but not the last!!! I put a monthly online membership fee to auto charge to the card to keep it open. I'm sorry that happened to you. If you had put something small on it every month at minimum it probably would have stayed open.
Oh and my score is over 800 too and they still cut my limit in half. I've always paid on time. The card is 12 years old and this is how they treat a card member.
How often were you using the card? Generally if you use it once every three months, it shouldn't be closed.
Good card but?
The card itself is not bad aside from the fact you can only receive the rewards above $25 dollars and it takes forever to get them sometimes as long as a couple months. My Capitol One Savior card is much better.
Hi i love my amex card i couldn't get that cap one card not approved but got approved for the amex card with a 2k limit now my limit is 10k my score was 694 on experian 700 equifax 700 trans.
Amex has deals I take advantage of that cap one Savor does not. I have the Savor card too. Some of the Amex deals far exceed rewards dollars and are directly applied to the account within a few days.
Terrible card!!!
We have had this card for 4 years now. Never once have they offered a credit increase /line credit increase. NOTHING!!! They hound you for you payment 2-3 days before its due and they are rude as hell. My wife and I are paying this card off and NEVER again will we get any credit card from AMEX!!! Don't take a card with them they are not worth it. Then if you are late a few days on payment, they threaten to take you to collections. Glad we went with DISCOVER and CITI.
I had mine for 6 years and love it. I pay ON TIME, because that's what is expected of me. I haven't had a CL increase until I requested one online and got the amount I requested. Amex card is a great card unless of course you don't pay them, and who would expect them to be nice if you don't hold up your end of the bargain.
Hi i got a cli i also asked for a cli of 5k my limit is now 10k and i pay my bill way before the due date my due date is the 6th i pay the 2nd with no missed payments for 2 yrs.
I own this card i love it.
I own this card i was approved in jan 2018 they started me off with 5k limit now it's 10k$ limit with a error on my credit report i had to call there recon line and got approved you got do that if you got a fraud alert on your report for some reason i love my amex card and ther so nice.
Only card I am using right now.
I've had this card for around 5 months now. It's very good for beginners. My sister with no credit history got approved for $2k. I was shocked when I got approved for $10k, I thought they made a mistake. My other cards have a $2k and $750 limit with interest, so I have stopped using those completely in favor of this one. I make payments on time and try to pay it off completely each month and my limit has just been upped to $15k. Love this card. I'll keep using it until the 0% interest deal wears off. I did not have any issues with the welcome bonus like some other reviewers did. I believe it goes towards your statement balance at the time.
I'm highly impressed!
Other than the fact that I cant use it everywhere, this card is amazing! American Express really does walk it like they talk it. Never let's me down and they stay on top of CL increases!! I highly recommend this card without a doubt.
Great card
i was approved for $2,000 but it’s ok I will rebuild my credit but American is doing a great job given an opportunity to the people with fair credit . Love my Card ❤️
How was your score looking when you applied ?