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, 5:08 pm
  #1546  
 
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,374
Does Amex statements normally close early in the day or late that night (on biz day)?
cdancer20 is offline  
Old Mar 26, 14, 5:08 pm
  #1547  
 
Join Date: May 2013
Location: AZ
Programs: AA, UA, US
Posts: 525
Originally Posted by cdancer20
Thanks for providing your story mr. oohaahouch! It's good to know that we can tell them that we are using Serve and exactly what for.
ya, they didnt seem to have a problem with that
oohaahouch is offline  
Old Mar 26, 14, 5:09 pm
  #1548  
 
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,374
Originally Posted by ericdabbs
The Amex system is a bit wonky. I have had instances where it would let me over pay but it wasn't up to the very last penny. Say for instance if my balance including pending charges is $3000.25. I was able to get the Amex online BP system to let me submit a payment for $3000.24 but when I change it back and try $3000.25, the system then resets and complains about the max I can send is $1.5K.

I mean yes technically it kinda works but if I still have that 1 penny left over its kinda useless since I have to use another source to pay to zero out the balance. In your instance did the Amex online BP system allow you to overpay 100% up to the very last penny?
No I didn't pay 100% b/c I don't know if my charges from today will clear before the statement closes. I might go back in a little while tho and try to pay that last $2k. I paid for all purchases through yesterday.
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Old Mar 26, 14, 5:52 pm
  #1549  
 
Join Date: Dec 2013
Posts: 3,433
Originally Posted by cdancer20
No I didn't pay 100% b/c I don't know if my charges from today will clear before the statement closes. I might go back in a little while tho and try to pay that last $2k. I paid for all purchases through yesterday.
Gotcha. Yeah I think you'll find that even though the system with a bit of tweaking will allow you to overpay but not up to the last penny. To me if your goal is to pay down 100% up to the last penny before the statement closes its not feasible since you have to make another payment anyways. Best thing to do is avoid using the cards 3 days before the statement closes. That way it ensures anything that was suppose to be cleared will be cleared. The last time I used the card was on the 24th and transactions normally take 2 business days to clear so I knew my last transaction would be posted by the 26th and can pay off the balance on the 26th which is in time for the statement close on the 27th.
ericdabbs is offline  
Old Mar 26, 14, 5:59 pm
  #1550  
 
Join Date: Feb 2014
Location: PHL
Posts: 930
I called today to get my Emerald card added as a payment option. I normally press "0" to get someone on the phone ASAP. Today, it routed me to the FR department. Hmmmm...
commdiver is offline  
Old Mar 26, 14, 5:59 pm
  #1551  
 
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 5,683
Originally Posted by oohaahouch
Here you go, you better read the entire thing, i put in some time to type it all
Done! And it was an amusing read. See, my prediction came true. You have survived Cardinal Fang's inquisition.
Majuki is offline  
Old Mar 26, 14, 6:00 pm
  #1552  
 
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 5,683
Originally Posted by commdiver
I called today to get my Emerald card added as a payment option. I normally press "0" to get someone on the phone ASAP. Today, it routed me to the FR department. Hmmmm...
How much volume have you put through and % of credit limit?
Majuki is offline  
Old Mar 26, 14, 6:09 pm
  #1553  
 
Join Date: Feb 2014
Location: PHL
Posts: 930
Originally Posted by Majuki
How much volume have you put through and % of credit limit?
$9,072.58 out of $9,400, which comes out to about 97%. I was honest on my application, so an FR would just be a minor annoyance.

Now, I assume that pressing "0" or saying "representative" just routes you to the first available person, so being routed to the FR department was probably a coincidence. It is just ironic because the last two or three pages of this thread are about people getting FRed.
commdiver is offline  
Old Mar 26, 14, 6:19 pm
  #1554  
 
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 5,683
Originally Posted by commdiver
$9,072.58 out of $9,400, which comes out to about 97%. I was honest on my application, so an FR would just be a minor annoyance.
You definitely went big, but that's how we roll here.
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Old Mar 26, 14, 6:21 pm
  #1555  
 
Join Date: Feb 2014
Location: PHL
Posts: 930
Originally Posted by Majuki
You definitely went big, but that's how we roll here.
I had the card mailed to a relative, who then mailed it to me, so I only had a few days to get my spend in for the month before the statement closes tomorrow. I was just being efficient
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Old Mar 26, 14, 6:28 pm
  #1556  
 
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,374
Cool

Originally Posted by ericdabbs
Gotcha. Yeah I think you'll find that even though the system with a bit of tweaking will allow you to overpay but not up to the last penny. To me if your goal is to pay down 100% up to the last penny before the statement closes its not feasible since you have to make another payment anyways. Best thing to do is avoid using the cards 3 days before the statement closes. That way it ensures anything that was suppose to be cleared will be cleared. The last time I used the card was on the 24th and transactions normally take 2 business days to clear so I knew my last transaction would be posted by the 26th and can pay off the balance on the 26th which is in time for the statement close on the 27th.
yea I normally don't spend before the end of the month unless I don't mind carrying that bit of balance on my credit. I was just in a rush to meet the min spending so I can start using it next month for Serve loads. #greedy lol
cdancer20 is offline  
Old Mar 26, 14, 6:39 pm
  #1557  
 
Join Date: Oct 2012
Posts: 299
my closing date is the 27 th!!! Opened in DEC
barrytuneup is offline  
Old Mar 26, 14, 7:03 pm
  #1558  
 
Join Date: Oct 2013
Location: WAS
Programs: SPG Plat. Marriott Plat. Hilton Diamond. Hyatt Diamond. IHG Plat.
Posts: 2,580
Originally Posted by oohaahouch
sure, i respect your feelings. to me i didnt care because the ones who deal see like 10k forms / month and not care. its like when you apply for credit, people access your detailed credit report, look at it, move on.
I let them access my credit. They're just looking into how many times I have applied for credit or how much credit I have. Nothing of real value.

But getting a run down of my financials is a little bit much. I could see if you were my private banker, but AMEX is not.
f0xx is offline  
Old Mar 26, 14, 7:04 pm
  #1559  
 
Join Date: Feb 2013
Location: PHL, maybe EWR
Programs: Plat IHG, Marriott Rewards Silver, CSP, Ink Bold, USDM, *Wood Gold, AA, Club Carl
Posts: 285
This is news to me if you mean the debit card and not ach info.^
I heard of the Citi option but have not read about amex accepting debit over the phone.
Originally Posted by commdiver
I called today to get my Emerald card added as a payment option. I normally press "0" to get someone on the phone ASAP. Today, it routed me to the FR department. Hmmmm...
vodkashine is offline  
Old Mar 26, 14, 7:09 pm
  #1560  
 
Join Date: Jun 2004
Programs: AA Gold
Posts: 190
Originally Posted by barrytuneup
my closing date is the 27 th!!! Opened in DEC
It looks like many BC cards opened lately have the same closing date; either by coincidence or by design; most likely the latter... for a purpose?
Henry II is offline  

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