u/LegitimateExtent8161

Deciding between Amex BCP or gold

Hello,
I am trying to decide between the BCP and gold. I spend around 330 a month on groceries and around 400 in gas every month and I want to travel more by my self (travelled internationally 10 years in a row with parents but want to do it w friends as well now) . I was approved for both and my gold bonus was either 50k or 75k I couldnt remember correctly. Which would you recommend?

Id use the resy, dining and grub hub credits

I would pair this with another card (no af)

* this a modified earlier post as some important details left out

reddit.com
u/LegitimateExtent8161 — 4 days ago

50k income part time 770 score college freshman

CREDIT PROFILE

* Current credit cards you are the primary account holder of:
* None - looking for first card
* FICO scores with source: Experian 770
* Oldest credit card account age: N/A (if including authorized user: 24 years)
* Cards approved in the past 6 months: 4
* Cards approved in the past 12 months: 4
* Cards approved in the past 24 months: 4 (all pre approval)
* Annual income $: 50000

CATEGORIES

* Ok with category-specific cards?: No
* Ok with rotating category cards?: Yes
* Estimate average monthly spend in the categories below.
* Dining $: 0 (parents pay)
* Groceries $: 30 (parents pay most)
* Gas $: 0
* Travel $: 50
* Using abroad?: Study abroad possibly
* Other categories or stores: Online purchases is like 80% of it
* Other spend: Nope
* Pay rent by card? Yes, amount and fee: 900 3%

MEMBERSHIPS & SUBSCRIPTIONS

* Big bank customer: Chase

PURPOSE

* Purpose of next card: Cashback
* Cards being considered: Nope i was curious and got pre approved for every chase and amex and most capital one cards if i remember correctly

ADDITIONAL INFO

I pay very little for living almost all my purchases is fun things that are online or random in person shops

reddit.com
u/LegitimateExtent8161 — 14 days ago

College Freshman - 50k income part time w/ 770 score

CREDIT PROFILE

* Current credit cards you are the primary account holder of:
* None - looking for first card
* FICO scores with source: Experian 770
* Oldest credit card account age: N/A (if including authorized user: 24 years)
* Cards approved in the past 6 months: 4
* Cards approved in the past 12 months: 4
* Cards approved in the past 24 months: 4 (all pre approval)
* Annual income $: 50000

CATEGORIES

* Ok with category-specific cards?: No
* Ok with rotating category cards?: Yes
* Estimate average monthly spend in the categories below.
* Dining $: 0 (parents pay)
* Groceries $: 30 (parents pay most)
* Gas $: 0
* Travel $: 50
* Using abroad?: Study abroad possibly
* Other categories or stores: Online purchases is like 80% of it
* Other spend: Nope
* Pay rent by card? Yes, amount and fee: 900 3%

MEMBERSHIPS & SUBSCRIPTIONS

* Big bank customer: Chase

PURPOSE

* Purpose of next card: Cashback
* Cards being considered: Nope i was curious and got pre approved for every chase and amex and most capital one cards if i remember correctly

ADDITIONAL INFO

I pay very little for living almost all my purchases is fun things that are online or random in person shops

reddit.com
u/LegitimateExtent8161 — 14 days ago