American Express

American Express specific requirements:

  • Credit Score Requirement – Generally 670+ (Mostly looks at whether you’ve missed a payment or have derogatory marks)
    • Lately been extending credit to anyone with a pulse
  • Will limit you to 4 or 5 CREDIT cards
    • Charge cards do not have a limit
  • Will only let you apply for 2 CREDIT cards within 90 days
    • 5 days between approvals
    • you can apply for CHARGE cards in addition to this
  • Will combine hard credit pulls if you apply at the same time
  • Welcome bonuses can only be received once per lifetime per unique card
    • can get the bonus on different versions of platinum, delta, and everyday cards

Best Credit Card Offers from American Express:

American Express Blue Cash Preferred:

  • This is my favorite card for everyday spend. Use this direct link for the best available welcome offer and to support the site.
    • Welcome offer of $150 for spending $1,000 within the first 3 months PLUS 10% cash back at U.S. Restaurants, up to $200, for 6 months. Up to $350 for a welcome bonus!
    • There is an annual fee of $95 so this brings the welcome bonus down to $205
  • This card earns 6% on groceries, 3% on gas, and 1% cash on everything else.
    • Groceries are an expense that everyone spends thousands of dollars a year on so this is a huge return.

American Express Everyday:

  • Use this direct link for the best available welcome offer and to support the site.
    • Welcome offer of 15,000 Membership Rewards points for spending $1,000 on the card within 3 months. 15K MR points can be worth up to $300
  • I like this card because there is no annual fee and it earns 2x on groceries and gets a 20% rewards bonus if you use your card 20 or more times a month.

American Express Premier Rewards Gold:

  • I’m not going to link my referral for this card because, in order to get the best welcome offer, you have to pull it up in private browsing.
  • Welcome offer at americanexpress.com is 50,000 membership rewards points for spending $2,000 in the first 3 months.
  • $0 annual fee for the first year then $195
  • $100 airline credit every calendar year

Other Cards:

  • American Express Platinum is one of the best but they don’t have a very good welcome offer right now
  • American Express SPG is great for transferring points to airlines and to Marriot – 30,000 point welcome offer available

 

American Express Offers

American Express allows you to add different offers to your card that can be very lucrative. I detailed this here.

Best ones I’ve received:

  • $35 statement credit for spending $100 at Walmart – can be used 5 times (bought Visa Gift Cards)
  • $20 statement credit for spending $100 at Staples (bought Visa Gift Cards and used a Staples rebate for another $20)
    • Has been available regularly
  • 20% back at Sam’s Club up to $250 (bought Visa Gift Cards)

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