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, 7:41 pm
  #1561  
 
Join Date: Sep 2013
Location: Warm, sunny Florida
Posts: 251
Hah. Mine closes April 7th. So there! I think?
nuclfusion is offline  
Old Mar 26, 14, 7:42 pm
  #1562  
 
Join Date: Feb 2014
Location: PHL
Posts: 930
Originally Posted by vodkashine
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.
Well, Emerald works because it comes with an account numbers and routing number. The account number is just too long to enter on their website.
commdiver is offline  
Old Mar 26, 14, 8:08 pm
  #1563  
 
Join Date: Feb 2012
Location: Los Angles
Posts: 2,101
Originally Posted by commdiver
Well, Emerald works because it comes with an account numbers and routing number. The account number is just too long to enter on their website.
Are there any Emerald limits for AmEx BC ACH pull (daily/monthly) ?
prasha11 is offline  
Old Mar 26, 14, 8:12 pm
  #1564  
 
Join Date: Feb 2014
Location: PHL
Posts: 930
Originally Posted by prasha11
Are there any Emerald limits for AmEx BC ACH pull (daily/monthly) ?
Umm, have you checked the Emerald thread?
commdiver is offline  
Old Mar 26, 14, 8:26 pm
  #1565  
 
Join Date: Jul 2013
Posts: 322
My closing date is the 18th; however, I got this back in September ahead of the rush.

Wondering if all the 27ths are new accounts as of 2014, when it hit the press, as it were, and thus perhaps the result of more careful scrutiny, at least for them...

...or just another manifestation of the rule that for every 22 people in a group, two have the same birthday.
AveApostle is offline  
Old Mar 26, 14, 9:07 pm
  #1566  
 
Join Date: Aug 2004
Posts: 84
Originally Posted by nuclfusion
Hah. Mine closes April 7th. So there! I think?
Me and spouse both are 27th! Opened different dates.
digital330 is offline  
Old Mar 26, 14, 9:10 pm
  #1567  
 
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 5,464
Originally Posted by commdiver
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
I put a hair over $7k on mine - also trying to get in before the end of the first billing cycle, but no FR yet.
Majuki is online now  
Old Mar 26, 14, 9:35 pm
  #1568  
 
Join Date: Feb 2004
Location: TX
Posts: 756
Originally Posted by digital330
Me and spouse both are 27th! Opened different dates.
27th for me too!
subdawg is offline  
Old Mar 26, 14, 9:47 pm
  #1569  
 
Join Date: Jan 2008
Location: LAS
Programs: DL PM, UA PS, Hyatt Globalist, Marriott Titanium
Posts: 4,901
Originally Posted by lad2
It seems like everybody has the same statment closing date on this card? Mine closes tomorrow as well.
Same, applied mid-February.
amolkold is offline  
Old Mar 26, 14, 9:51 pm
  #1570  
 
Join Date: Feb 2013
Posts: 170
How does Amex define year?

Is it 12 month rolling period since you get the credit card or Jan to Dec calendar year like Bluebird?
Nishant1 is offline  
Old Mar 27, 14, 1:02 am
  #1571  
 
Join Date: Feb 2012
Posts: 39
Originally Posted by oohaahouch
Here you go, you better read the entire thing, i put in some time to type it all
Thank you for taking the time to update us.
MkMooney is offline  
Old Mar 27, 14, 1:04 am
  #1572  
 
Join Date: Feb 2012
Posts: 39
Originally Posted by Nishant1
How does Amex define year?

Is it 12 month rolling period since you get the credit card or Jan to Dec calendar year like Bluebird?
Rolling
MkMooney is offline  
Old Mar 27, 14, 1:04 am
  #1573  
 
Join Date: Feb 2012
Posts: 39
Originally Posted by AveApostle
My closing date is the 18th; however, I got this back in September ahead of the rush.

Wondering if all the 27ths are new accounts as of 2014, when it hit the press, as it were, and thus perhaps the result of more careful scrutiny, at least for them...

...or just another manifestation of the rule that for every 22 people in a group, two have the same birthday.
My closing is also the 27th, but I've had this card for years.
MkMooney is offline  
Old Mar 27, 14, 3:47 am
  #1574  
 
Join Date: Sep 2013
Location: Warm, sunny Florida
Posts: 251
Originally Posted by MkMooney
Rolling
The $6500 min though is based on calendar year, is it not?
nuclfusion is offline  
Old Mar 27, 14, 7:50 am
  #1575  
 
Join Date: Dec 2010
Posts: 51
Originally Posted by nuclfusion
The $6500 min though is based on calendar year, is it not?
from the wiki:

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%).


* 'Reward year' starts on account anniversary date.
sethjvm is offline  

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