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Old Mar 25, 2014, 2:16 pm
  #1455  
silver6054
 
Join Date: Nov 2011
Posts: 1,944
Originally Posted by oohaahouch
it gives 5% on pharmacy and supermarket - no cap
I think Prasha meant "Why convert and not app" rather than "Why get this card"

So probably basically credit score (or rather avoiding a HP). Usual reason NOT to convert is because you lose bonuses on the new card, but in this case there aren't any.

Applying gives a new credit line, which with other issuers might hurt credit score, but with Amex can be backdated so not a problem.
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