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 28, 14, 12:07 pm
  #1651  
 
Join Date: Nov 2009
Location: DEN
Programs: SPG Gold; HH Diamond
Posts: 223
Originally Posted by Wonko
Hmmm, a little bit of a mess... one supermarket purchase went into Supermarkets 1% even though I'd made sure to wait until my $6500 had posted, and a small CVS purchase went into Other 1% while a larger CVS purchase made the 5%.
Which supermarket purchase only received 1%? There was an issue with Safeway not coding correctly a couple of months ago, but on my current statement at least, that problem seems to have been rectified.
kjgco is offline  
Old Mar 28, 14, 12:12 pm
  #1652  
 
Join Date: Jul 2009
Posts: 721
Originally Posted by ghygy5675
What will happen if you apply for a second card?
You will lose ~.04 x 6500 = 260 compared to the sum of the 2 CLs being on just one card.
zceuxbhjutf is offline  
Old Mar 28, 14, 12:15 pm
  #1653  
Original Poster
 
Join Date: Nov 2011
Posts: 1,944
Originally Posted by IBJanky
This.

I have been using my card for everyday purchases as well. I spend quite a bit MS'ing, but I also spend quite a bit on regular everyday purchases.

It's a win-win for both parties
There seems a be a strong division of opinion on this, a lot of posts suggesting this makes no difference at all (It's easy to detect heavy reward spending, and if you are "abusing" rewards, I don't care that you also did some "good" spending, I want you gone). And mixing small spending with MS is also said to increase fraud alerts, just tune your account to big amounts.
silver6054 is offline  
Old Mar 28, 14, 12:16 pm
  #1654  
 
Join Date: Dec 2012
Location: JFK
Programs: *$ Gold :)
Posts: 1,061
Originally Posted by zceuxbhjutf
~.04 x 6500 = 260
I tend to consider it as an annual fee for the card.
pier11 is offline  
Old Mar 28, 14, 1:04 pm
  #1655  
 
Join Date: Feb 2014
Posts: 253
FWIW, I got my card in January. Spent the $6500 quickly @ CV$ and continued four times my limit ($5000). I then spent the same last month and i did 5x this month. All purchases are at CV$ for VR. I haven't done any other spending.

Got my statement on the 27th and all is well. I havent gotten so much as a fraud alert. I buy different amounts each time, $3000 - $5000. Im counting the days until AA but up to now, it hasnt occured. I didnt fudge any numbers, so if an AA does occur, im ready and legit.

What I really want is a limit increase which ive been denied for 2x.

Edit: the dead giveaway as well, is that i have several BB accounts and i load $1000 on each and then pay the Amex, so there are 5 $1000 payments on the same day. I mean, they have to know something is going on, and i cant believe i havent gotten a call yet. Maybe they are waiting until the end so that i have $10,000 in rewards and they can swoop em away! LOL.
Lappie is offline  
Old Mar 28, 14, 1:14 pm
  #1656  
 
Join Date: Jan 2014
Posts: 15
Originally Posted by zceuxbhjutf
You will lose ~.04 x 6500 = 260 compared to the sum of the 2 CLs being on just one card.
Any chance you'll get additional cl or guaranteed they will just take it from the existing card?
ghygy5675 is offline  
Old Mar 28, 14, 1:22 pm
  #1657  
 
Join Date: May 2013
Location: Sacramento, CA
Posts: 356
Originally Posted by kjgco
Which supermarket purchase only received 1%? There was an issue with Safeway not coding correctly a couple of months ago, but on my current statement at least, that problem seems to have been rectified.
It was Safeway, but it was correctly coded as Supermarkets, not Other. An equal amount got shifted from Other 0.5% to Other 1% which tells me that the Safeway purchase was counted as pre-6500.

OTOH the miscoded CVS purchase was in Other 1%, not Drug Stores 1%, so it was post-6500 and incorrectly coded.

I don't recall if I made the Safeway purchase the same day after verifying that the previous purchase posted, or if I waited an additional day. My statement shows them two days apart.
Wonko is offline  
Old Mar 28, 14, 1:25 pm
  #1658  
 
Join Date: Feb 2014
Location: PHL
Posts: 930
Originally Posted by Lappie
FWIW, I got my card in January. Spent the $6500 quickly @ CV$ and continued four times my limit ($5000). I then spent the same last month and i did 5x this month. All purchases are at CV$ for VR. I haven't done any other spending.

Got my statement on the 27th and all is well. I havent gotten so much as a fraud alert. I buy different amounts each time, $3000 - $5000. Im counting the days until AA but up to now, it hasnt occured. I didnt fudge any numbers, so if an AA does occur, im ready and legit.

What I really want is a limit increase which ive been denied for 2x.

Edit: the dead giveaway as well, is that i have several BB accounts and i load $1000 on each and then pay the Amex, so there are 5 $1000 payments on the same day. I mean, they have to know something is going on, and i cant believe i havent gotten a call yet. Maybe they are waiting until the end so that i have $10,000 in rewards and they can swoop em away! LOL.
Why not just cash those rewards out earlier?
commdiver is offline  
Old Mar 28, 14, 1:36 pm
  #1659  
 
Join Date: Feb 2014
Posts: 908
So are there any datapoint that CVS purchases has been coded correctly and given 5%? I don't want to start the 6500.00 if it doesn't.

thanks.
sosamo is offline  
Old Mar 28, 14, 1:37 pm
  #1660  
 
Join Date: May 2012
Posts: 619
Originally Posted by Lappie
FWIW, I got my card in January. Spent the $6500 quickly @ CV$ and continued four times my limit ($5000). I then spent the same last month and i did 5x this month. All purchases are at CV$ for VR. I haven't done any other spending.

Got my statement on the 27th and all is well. I havent gotten so much as a fraud alert. I buy different amounts each time, $3000 - $5000. Im counting the days until AA but up to now, it hasnt occured. I didnt fudge any numbers, so if an AA does occur, im ready and legit.

What I really want is a limit increase which ive been denied for 2x.

Edit: the dead giveaway as well, is that i have several BB accounts and i load $1000 on each and then pay the Amex, so there are 5 $1000 payments on the same day. I mean, they have to know something is going on, and i cant believe i havent gotten a call yet. Maybe they are waiting until the end so that i have $10,000 in rewards and they can swoop em away! LOL.
did it do a hard pull when requesting CL increase? Thanks
liw5215 is offline  
Old Mar 28, 14, 2:09 pm
  #1661  
Original Poster
 
Join Date: Nov 2011
Posts: 1,944
Originally Posted by sosamo
So are there any datapoint that CVS purchases has been coded correctly and given 5%? I don't want to start the 6500.00 if it doesn't.

thanks.
yes, many thousands of dollars spend there in Feb got 5% on todays statement
silver6054 is offline  
Old Mar 28, 14, 2:12 pm
  #1662  
 
Join Date: Feb 2014
Location: PHL
Posts: 930
Originally Posted by liw5215
did it do a hard pull when requesting CL increase? Thanks
I would highly suggest reading the first post in this thread. It is very insightful.
commdiver is offline  
Old Mar 28, 14, 2:17 pm
  #1663  
 
Join Date: Feb 2014
Posts: 908
Originally Posted by silver6054
yes, many thousands of dollars spend there in Feb got 5% on todays statement
Thanks.

Probably going to try for 5k worth of AGC first.
sosamo is offline  
Old Mar 28, 14, 2:40 pm
  #1664  
 
Join Date: May 2012
Posts: 619
Originally Posted by commdiver
I would highly suggest reading the first post in this thread. It is very insightful.
Thank you for the information, appreciate it!
liw5215 is offline  
Old Mar 28, 14, 5:13 pm
  #1665  
Original Poster
 
Join Date: Nov 2011
Posts: 1,944
So redeeming is a pain, only $250 of statement credit per checkout.
silver6054 is offline  

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