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Old Jan 8, 2014, 2:22 pm
FlyerTalk Forums Expert How-Tos and Guides
Last edit by: TheDapperDon
Bonus category spending is now capped at $50k per year for new accounts. For now, this does not apply to existing cardholders, although Amex may continue to close accounts for excessive spend in bonus categories. This card is less viable as an MS instrument. Consider factors that may have led to these closures when sharing personal experiences.

Oct 22, 2014 onwards: Many people getting cancellation email from Amex. As of Dec 13, 2014, shutdown reports continue. Shutdowns appear to be triggered by spending on the card or upon statement closure, but not always

Some who have been shutdown are reporting back that AMEX is declining new non-OBC card applications due to "unsatisfactory relationship". (However, see here for an example where reconsideration was successful.) It is unclear at this time the length/extent of this Adverse Action/Ban.

Others have succeeded in getting new cards, including new OBCs, but consider your relationship with Amex and how much you value that and this card when deciding how to use it.

There might be some impact with other issuers. If AMEX sends you a cancellation it goes on your record as a cancellation by AMEX, not a cancellation by cardholder. While FICO score does not distinguish between closed by issuer and closed by cardholder, on manual review it may raise questions. However, issuers close cards for benign reasons as well (such as non-use) so unless several cards have been closed it probably won't cause a rejection by itself.

So, if you still feel it is worth it:
Application Link: Copy & paste the following link into a incognito window in Chrome or InPrivate Browsing in IE, Private Session in Firefox. There have been reports of people who got the card in the last couple of months getting shut down because of the rush to spend the initial $6,500.

Do NOT post "Link isn't working" until you have tried it incognito/private browsing and it fails there.

Code:
https://www304.americanexpress.com/credit-card/blue-cash/25330


Up to 5% Cash Back at U.S. supermarkets, U.S. gas stations & select U.S. drugstores (Everyday Purchases). Up to 1% Cash Back on other purchases. For your first $6,500ą spend in a reward year˛, you will earn 1% on Everyday Purchasesł (5% after 6500), and 0.5% on other purchases (then 1%).

0% intro APR on purchases and balance transfers for 15 months.

Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Additional terms and restrictions apply. (Presume these T&Cs are standard and that all credit cards state this)

⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯
ą First '$6,500' is spend on all purchases.

˛ 'Reward year' is the 12 billing periods in a row beginning with the one in which the anniversary of your Card Account occurs.

ł 'everyday purchases' refers to U.S. supermarkets, U.S. gas stations & select U.S. drugstores, not all purchases.

* Read the fine print for 'gas' purchases! Right from AMEX T&C's:
...Everyday Purchases are: ... $400 or less of gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations)... A >$400 purchase at a gas station will get 5% for the first $400 and 1% thereafter. E.g., for something, say, $503.95, you would earn $21.04 CB [($400*5%)+(103.95*1%)].

5% kicks in immediately after hitting $6500.(mid-statement). In fact, it will even kick in mid-purchase and a portion of the purchase will credit at the higher rate.

* Reward dollars for the previous statement period show up a day or two after the current statement period closes.

* Most cash back redemptions will be applied to your statement within 2–3 days.

* Helpful post regarding moving CL between cards. Thanks lad2

* How to Visually Distinguish the Three Types of Blue Cash Cards:
Blue Cash (old) has a "<" character to the left of the word CASH
Blue Cash Everyday has a circle to the right of the word CASH, with the "Everyday" wording at the back.
Blue Cash Preferred has the word PREFERRED printed vertically on the extreme left side.

If you get the error message "You cannot be logged in. Please contact the number on the back of your card." when trying to redeem Reward Dollars online, it may be because you have too many closed accounts still showing in your scrolling images of cards. Delete the closed ones, then try to redeem again.
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Old Mar 5, 2014, 7:20 am
  #1171  
 
Join Date: Aug 2009
Location: Washington DC
Programs: United, AA, Avianca
Posts: 249
is the $6500 a calendar year threshold or does it carry over from 2013? Also, on the same note, does that need to be achieved each calendar year? Thanks.
fulthrust7 is offline  
Old Mar 5, 2014, 7:44 am
  #1172  
 
Join Date: Nov 2010
Location: South NJ
Posts: 263
Originally Posted by fulthrust7
is the $6500 a calendar year threshold or does it carry over from 2013? Also, on the same note, does that need to be achieved each calendar year? Thanks.
No and yes.
Zamboni Driver is offline  
Old Mar 5, 2014, 8:47 am
  #1173  
 
Join Date: Nov 2013
Posts: 140
thanks for everyone's opinion. Panic too soon. i'm all cleared to make payment again.
TheGreatMongo is offline  
Old Mar 5, 2014, 9:40 am
  #1174  
 
Join Date: Feb 2014
Location: PHL
Posts: 930
How long does it normally take to be approved for this if not instantly approved? It seems like everyone in this thread got instant approval.
commdiver is offline  
Old Mar 5, 2014, 10:19 am
  #1175  
 
Join Date: Dec 2013
Posts: 3,501
Originally Posted by commdiver
How long does it normally take to be approved for this if not instantly approved? It seems like everyone in this thread got instant approval.
It should have said it in the next screen after you hit submit. I think typically CC companies say 5-7 business days but you will definitely hear something before that. You can always call the reconsideration line or customer service line and ask them for the status.
ericdabbs is offline  
Old Mar 6, 2014, 11:56 am
  #1176  
 
Join Date: Feb 2014
Location: PHL
Posts: 930
I ended up getting approved (yay!). Turns out they needed to verify my phone numbers because I have a fraud alert on my credit file.
commdiver is offline  
Old Mar 6, 2014, 12:03 pm
  #1177  
 
Join Date: Dec 2013
Posts: 3,501
Originally Posted by commdiver
I ended up getting approved (yay!). Turns out they needed to verify my phone numbers because I have a fraud alert on my credit file.
That is not a good thing. I would be more worried about the fraud alert on your credit file.
ericdabbs is offline  
Old Mar 6, 2014, 12:07 pm
  #1178  
 
Join Date: Feb 2014
Location: PHL
Posts: 930
Originally Posted by ericdabbs
That is not a good thing. I would be more worried about the fraud alert on your credit file.
I placed it there on purpose so that creditors have to call me before approving my for credit lines. It is a bit annoying, but it makes sure that you have to have both my information and my phone to steal my identity.
commdiver is offline  
Old Mar 8, 2014, 10:30 am
  #1179  
 
Join Date: Feb 2012
Location: Los Angles
Posts: 2,101
Anyone tried to pay using MO (deposit) via Smartphone(android)?
prasha11 is offline  
Old Mar 9, 2014, 12:12 pm
  #1180  
Accor Contributor Badge
 
Join Date: Jun 2012
Programs: AA EXP, Hyatt Globalist, *A Silver
Posts: 4,896
So I completely misread the card description... You don't get 5% cash back on grocery/gas/drugstore until you spend over $6500?
TOMFORD is offline  
Old Mar 9, 2014, 12:22 pm
  #1181  
 
Join Date: Jun 2013
Posts: 1,060
Originally Posted by agp423
So I completely misread the card description... You don't get 5% cash back on grocery/gas/drugstore until you spend over $6500?
YUp - spend 6.5K on Amex GC (and get at least 3x back) and unload via AP and Target and then use it at drugstore for 5x
raccah is offline  
Old Mar 9, 2014, 1:39 pm
  #1182  
 
Join Date: Feb 2012
Location: Los Angles
Posts: 2,101
Originally Posted by agp423
So I completely misread the card description... You don't get 5% cash back on grocery/gas/drugstore until you spend over $6500?
There is a reason why we have Wiki.

The info there is verified, authentic and reliable, and its not too much to read.
prasha11 is offline  
Old Mar 9, 2014, 5:15 pm
  #1183  
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Join Date: Jun 2012
Programs: AA EXP, Hyatt Globalist, *A Silver
Posts: 4,896
I product changed to this from an SPG on which I spent over $10,000 in non-MS purchases in 2 months. I'll report back if I start getting the 5%.

Originally Posted by prasha11
There is a reason why we have Wiki.

The info there is verified, authentic and reliable, and its not too much to read.
I know there is a wiki. There is a reason why in my last post I said I misread. That statement is verified, authentic, and reliable, and it's not too much to read.
TOMFORD is offline  
Old Mar 11, 2014, 10:14 pm
  #1184  
 
Join Date: Oct 2010
Programs: AA EXP, Hyatt Diamond, Hilton Diamond, SPG Plat
Posts: 83
Originally Posted by commdiver
How long does it normally take to be approved for this if not instantly approved? It seems like everyone in this thread got instant approval.
I was not instantly approved. Actually this card was my first denial ever. I called Amex and the rep said that my revolving balances were too high. I had charged lots of vanilla to 2 cards and the statements closed before I paid down the balances. I paid these balances in full and once they updated on my credit report in a few weeks I called Amex again and asked that they manually review my application. They did a SOFT inquiry that day and approved the application. So...if you're not approved perhaps finding out why you were denied and then taking the steps needed to correct that aspect of your application and try again.
VandyBDL is offline  
Old Mar 12, 2014, 12:18 pm
  #1185  
 
Join Date: Jun 2011
Location: Around The World
Programs: ALL :)
Posts: 384
Anyone recently been able to product change to this card? If so a PM would be greatly appreciated.
steventravel is offline  


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