Old Jan 8, 14, 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 $6,500 spend in a reward year, you will earn 1% on Everyday Purchases (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)

⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯
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.

'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 23 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 Amex Blue (2013-2014)

Old Mar 26, 14, 10:01 am
  #1501  
 
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,374
Originally Posted by lad2 View Post
It seems like everybody has the same statment closing date on this card? Mine closes tomorrow as well.
LMBO! That's crazy!
cdancer20 is offline  
Old Mar 26, 14, 10:07 am
  #1502  
 
Join Date: Feb 2014
Posts: 820
Originally Posted by lad2 View Post
It seems like everybody has the same statment closing date on this card? Mine closes tomorrow as well.
Same closing date here as well.
exarkun is offline  
Old Mar 26, 14, 10:12 am
  #1503  
 
Join Date: Dec 2013
Posts: 3,425
Originally Posted by lad2 View Post
Instant approval on 1/1.
I got instant approval on 1/10. So I guess Amex likes to sync up everyone to the same closing date?
ericdabbs is offline  
Old Mar 26, 14, 10:13 am
  #1504  
 
Join Date: Oct 2009
Posts: 502
Originally Posted by cdancer20 View Post
Question though - When they do the FR, do they analyze all your spend? Won't they be curious why you have so many $505.95 grocery purchases or $503.95 CVS purchases regardless of if you stay in your yearly income? That's part of the fear of FRs right? (Sorry I am new to this lol so ignore my ignorance.)
That IS the problem that you will run into. How one spends $X per MONTH when you may make only $X per YEAR will get called into question. They arent just checking to see if you lied on your app. lol The idea to say "Oh I have business expenses so this is normal" is silly...$505.95 and 5 grand at CVS repeatedly all month long easily shows not business spending. Anyone who tries to pull that should be instantly closed.

In a way i think a FR early on would be best simply because they would have only a month or two of spending to really look at.

I have seen reports of people get FR again a matter of weeks later.
swintec is offline  
Old Mar 26, 14, 10:20 am
  #1505  
 
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 5,357
Originally Posted by lad2 View Post
It seems like everybody has the same statment closing date on this card? Mine closes tomorrow as well.
My closing date is 3/27 as well. I applied mid-March.
Majuki is offline  
Old Mar 26, 14, 10:22 am
  #1506  
 
Join Date: Dec 2012
Location: JFK
Programs: *$ Gold :)
Posts: 1,061
Originally Posted by lad2 View Post
It seems like everybody has the same statment closing date on this card? Mine closes tomorrow as well.
"Day of MS"
pier11 is offline  
Old Mar 26, 14, 10:28 am
  #1507  
 
Join Date: Dec 2013
Posts: 31
I have an old blue normal card (got it back in 2000, primarily for the price guarantee they offered then), it's been by go to card over the years, but nwo that I got the blue cash, wondering if there's a way to combine them to avoid losing the long credit history I have on the older card.

thoughts?
thetoad is offline  
Old Mar 26, 14, 10:44 am
  #1508  
 
Join Date: Mar 2004
Location: SEA (previous locations: DTW, TLV, EWR, BOS)
Programs: AS: 75K; DL/NW: Plat; DL SC: Lifetime; Hyatt: Diamond; HH: Gold; SPG: Plat;
Posts: 3,372
3/27 is my closing date as well. Strange indeed..
bostonbali is offline  
Old Mar 26, 14, 10:55 am
  #1509  
 
Join Date: May 2013
Location: AZ
Programs: AA, UA, US
Posts: 525
So where is the closest cvs

Oohaahouch is back in action, FR complete, Rep apologized for the temp hold and advised card is usable now ^
oohaahouch is offline  
Old Mar 26, 14, 10:59 am
  #1510  
 
Join Date: Aug 2011
Location: New Jersey
Programs: Delta P, SPG G, Marriott S, Hertz PC
Posts: 1,007
Originally Posted by swintec View Post
That IS the problem that you will run into. How one spends $X per MONTH when you may make only $X per YEAR will get called into question. They arent just checking to see if you lied on your app. lol The idea to say "Oh I have business expenses so this is normal" is silly...$505.95 and 5 grand at CVS repeatedly all month long easily shows not business spending. Anyone who tries to pull that should be instantly closed.

In a way i think a FR early on would be best simply because they would have only a month or two of spending to really look at.

I have seen reports of people get FR again a matter of weeks later.
Granted I own a business, and not really an employee.... But that is exactly the reason I gave, they asked me how many in gift cards I expect monthly and told me to have a nice day, they would note account for future.

So it can be a real reason.
maksimfa is offline  
Old Mar 26, 14, 11:06 am
  #1511  
 
Join Date: Sep 2013
Location: Warm, sunny Florida
Posts: 251
Originally Posted by oohaahouch View Post
So where is the closest cvs

Oohaahouch is back in action, FR complete, Rep apologized for the temp hold and advised card is usable now ^
A true FTer would have asked for 10k MR points
nuclfusion is offline  
Old Mar 26, 14, 11:06 am
  #1512  
 
Join Date: May 2013
Location: AZ
Programs: AA, UA, US
Posts: 525
Originally Posted by nuclfusion View Post
A true FTer would have asked for 10k MR points
i will make up with 5%
oohaahouch is offline  
Old Mar 26, 14, 11:08 am
  #1513  
 
Join Date: Sep 2007
Location: Chicago
Programs: AA, BA, CX, DL, EK, F9, GA, HA, IB, JL, KE, LH, MH, NH, OS, PG, QR, RJ, SA, TG, UA, VN, WN, ZH
Posts: 927
Originally Posted by oohaahouch View Post
So where is the closest cvs

Oohaahouch is back in action, FR complete, Rep apologized for the temp hold and advised card is usable now ^
So, no negative actions on your accounts (beside the temporary spending freeze)?
lad2 is offline  
Old Mar 26, 14, 11:22 am
  #1514  
 
Join Date: May 2013
Location: AZ
Programs: AA, UA, US
Posts: 525
Originally Posted by lad2 View Post
So, no negative actions on your accounts (beside the temporary spending freeze)?
correct, no change in CL ^
oohaahouch is offline  
Old Mar 26, 14, 11:25 am
  #1515  
 
Join Date: Jul 2013
Posts: 1,035
My closing date is 3/27 too. I've had the card since early Jan.
ibleed0range is offline  

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