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Answers (3)

Thoughts on Application

Thoughts on Application

  1. Louis

    Hi all,

    Quick question:

    I’m thinking about applying for a new credit card, but there are several factors coming into play here.

    1. I want a card that I can keep long term that will be good for non-bonused spend
    2. I want a card to keep long term to help with building my average age of accounts
    3. I recently was targeted for a 25k MR bonus on the AmEx Everyday card (not preferred)
    4. I (currently) don’t spend a ton on CCs for groceries
    5. I’m okay paying an annual fee
    6. I’m partial to a flexible points currency card
    7. I currently have the Chase Sapphire Preferred and a few other cards which are non-factors in the rest of the decision making process

    Given those factors, I’ve narrowed my choices to the Everyday that I was targeted for, the SPG AmEx with the 30k signup bonus, and the PRG.

    I guess my questions are: what do you think of those options given my conditions? And, which card should I apply for (whether one of the three I mention or another one)?

    Thanks in advance!

    –Louis

  2. Gaurav

    [USER=219]@Louis[/USER] Ben has done relatively recent comparisons of the cards:

    [URL]http://onemileatatime.boardingarea.com/2015/03/23/which-american-express-is-best-for-everyday-spend/[/URL]
    [URL]http://onemileatatime.boardingarea.com/2015/03/05/amex-everyday-preferred-vs-premier-rewards-gold-card-which-is-better/[/URL]
    [URL]http://onemileatatime.boardingarea.com/2015/06/12/starwood-amex-vs-amex-premier-rewards-gold-card/[/URL]

    The everyday card he used for the comparisons was the Everyday Preferred so the bonus structure is slightly different but otherwise the content should help you with your decision making. In the end it comes down to which card will produce the best points based on your spending patterns and provide transfer opportunities into the programs you would like to use at an annual fee that you can live with.

  3. Louis

    [QUOTE=”Gaurav, post: 7046, member: 79″][USER=219]@Louis[/USER] Ben has done relatively recent comparisons of the cards:

    [URL]http://onemileatatime.boardingarea.com/2015/03/23/which-american-express-is-best-for-everyday-spend/[/URL]
    [URL]http://onemileatatime.boardingarea.com/2015/03/05/amex-everyday-preferred-vs-premier-rewards-gold-card-which-is-better/[/URL]
    [URL]http://onemileatatime.boardingarea.com/2015/06/12/starwood-amex-vs-amex-premier-rewards-gold-card/[/URL]

    The everyday card he used for the comparisons was the Everyday Preferred so the bonus structure is slightly different but otherwise the content should help you with your decision making. In the end it comes down to which card will produce the best points based on your spending patterns and provide transfer opportunities into the programs you would like to use at an annual fee that you can live with.[/QUOTE]

    Thanks for the post. I hadn’t seen the March 23 post about which AmEx is better for everyday spend.

    I’ll keep thinking about it, but your point is well taken. Cheers!

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