Credit Score: 803 Credit Limit: 25000 Age: 45-54

Posted 06/15 2018

Have the the Platinum Card for close to 15 years. I am a true frequently flyer until recently and have over 500,000 MR points at present (that was after I blew 200,000 on a first class return ticket). But I have kind of retired from my job (which requires tons of weekly travels) and so now I chill out and do not fly. Keeping the Platinum card was out of the question with the annual fee. Luckily, Amex came out with this card where I can still earn MR points (might as well since I have so much sticking around) but do not have to pay any annual fee. I give this a 4-star rather than 5 since I think the "preferred" version is slightly better. But I'll take the no annual fee version any day. For those who are not Amex holders, I can say that their customer service is the best. And I have had all other "premier" cards from Chase, Citi, BOA, Barclays. Their cards may be good, but customer service cannot compare (especially when it comes to fraudulent charges where Amex goes to bat for you vs the others).

 

Credit Score: 676 Credit Limit: 1000 Age: 25-34

Posted 06/14 2018

After rebuilding for year and a half, I thought it was time to get a regular no annual fee unsecured credit card. There were many cards I considered including Capital One, Chase, Citi and obviously Amex. I then decided to just use the pre-approval sites for these and see what was potentially available. Amex came up with this card and after thinking about it for a while, I decided to pull the trigger since I always wanted an Amex. I think the card will fit me just fine. It has no annual fee and I can earn reward points. I am not really too bothered about meeting the 20 transaction a month thing to get extra bonus points because my spending is so low anyway. Anyway, after I applied, I was approved instantly and given a $1000 and 0% apr for 12 months.

 

Credit Score: 685 Credit Limit: 1500 Age: 25-34

Posted 06/13 2018

This is my first Amex card and I was going back and forth between the Blue Cash Everyday vs the Everyday card. At the end of the day, I decided to go with points over cash back. I got 0% for 12 months (which is sweet). My initial credit limit was $1,500 but within 6 months, they had tripled that to $4,500. It is still not that large but more than enough for me. I do not spend a lot on things like groceries and gas, which was why I never considered the "preferred version". Since this is my main card, I never had any problems reaching 20 transactions a month and so I do earn the 20% bonus points. I have also met the spending requirements and got my 10,000 bonus points.

 

Credit Score: 793 Credit Limit: 15000 Age: 25-34

Posted 06/13 2018

I applied for this card mainly because of the 0% deal for 15 months which I got. Approved for $15,000. Yah! Then found out that I could only transfer $7,500! It said the lesser of $7,500 or 15% of credit limits (which would have been $11,250). This is really sneaky of Amex. Having said that, this is still a good card because you could earn Membership Reward points which are transferable to airline partners on a card with no annual fee. No other issuer has such a card. I use it as my main card now unless Amex is not accepted. Meeting the 20 transactions a month is not a problem for me.

 

Credit Score: 764 Credit Limit: 13000 Age: 25-34

Posted 06/12 2018

I already have the old Amex Blue Cash Everyday card and wanted to start earning MR points. When this card came out, I decided I had to go for it since there was no annual fee. I went to the pre-approval site and lo and behold, I was "pre-approved" for this! Here were the terms I got.

15,000 sign up bonus after $1000 of spending within 3 months.
2X on US supermarkets up to $6,000, then 1X
1X on other purchases
20% bonus if you have 20 transactions every month.

Since I switched my spending from the Blue Cash to the Everyday, I had no problem hitting the 20 transactions a month criteria.

 

Credit Score: 783 Credit Limit: 10000 Age: 25-34

Posted 06/08 2018

I applied for this card because Amex has finally introduced a no-annual fee credit card that let's you earn Membership Rewards points that can be transferred to airline partners. I used to have the Gold card but canceled it after I got this card because I did not want to pay the annual fee. You do have to make 20 transactions a month to get the extra 20% bonus points. But I have no problems meeting that requirement.

My card also came with a 0% balance transfer deal for 15 months with no balance transfer fee. Since I did not carry any balance on my previous cards, that was irrelevant for me.