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 $6,500 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 31, 2014, 8:30 pm
  #1696  
 
Join Date: Oct 2012
Posts: 207
Does a request for a CLI lead to a hard pull?
cyclotron is offline  
Old Mar 31, 2014, 9:06 pm
  #1697  
Original Poster
 
Join Date: Nov 2011
Posts: 1,944
Originally Posted by cyclotron
Does a request for a CLI lead to a hard pull?
It is a SP "always" (except for a tiny number of data points where it wasn't!).
silver6054 is offline  
Old Mar 31, 2014, 9:41 pm
  #1698  
 
Join Date: Jun 2013
Posts: 44
Originally Posted by andres17
Bummer, that 3x CLI on my BCP is useless now with this card. Wish I could go back in time and talk to my younger self, tell him not to make this mistake in life.
Don't be so hard on your younger self! The CLI wasn't useless, as long as you've had your BCP open for 13+ months, you can transfer the CL from the BCP to the BC. I did this about 3 days ago, no problem.
ParkALot is offline  
Old Mar 31, 2014, 9:43 pm
  #1699  
 
Join Date: Jun 2013
Posts: 44
Originally Posted by cyclotron
Does a request for a CLI lead to a hard pull?
Both CLI and CL xfers, were soft pulls for me.
ParkALot is offline  
Old Apr 1, 2014, 12:46 am
  #1700  
 
Join Date: Mar 2006
Posts: 119
Just cleared the 6.5k threshold and now CVS will restrict VRs to cash bummer
bobloblaw is offline  
Old Apr 1, 2014, 1:02 am
  #1701  
 
Join Date: Aug 2011
Location: New Jersey
Programs: Delta P, SPG G, Marriott S, Hertz PC
Posts: 1,007
Originally Posted by bobloblaw
Just cleared the 6.5k threshold and now CVS will restrict VRs to cash bummer
There is way more than VR. =)
maksimfa is offline  
Old Apr 1, 2014, 3:23 am
  #1702  
 
Join Date: Oct 2013
Posts: 252
Originally Posted by ParkALot
Don't be so hard on your younger self! The CLI wasn't useless, as long as you've had your BCP open for 13+ months, you can transfer the CL from the BCP to the BC. I did this about 3 days ago, no problem.
The BCP won't be 13 months old until November 2014. Younger self screwed up. Granted, he didn't know about the BC at the time.
andres17 is offline  
Old Apr 1, 2014, 7:00 am
  #1703  
 
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,375
Originally Posted by andres17
The BCP won't be 13 months old until November 2014. Younger self screwed up. Granted, he didn't know about the BC at the time.
I understand your frustration. I wish I had told my younger self to app for BC back in Dec too instead of BCP. I feel like BCP was a waste of a hard pull now for this card. The sucky part is that BCP (1st Amex) has over double the CL as this card (which I got last month). So I have to wait until mid-May to ask for a CL increase.
cdancer20 is offline  
Old Apr 1, 2014, 12:27 pm
  #1704  
 
Join Date: May 2013
Location: AZ
Programs: AA, UA, US
Posts: 525
Anyone interested to PM me with approx how much $ are they pushing through this card / mo and if only in 5x?
oohaahouch is offline  
Old Apr 1, 2014, 12:47 pm
  #1705  
 
Join Date: Jul 2004
Location: MCO
Programs: AA 1MM, BA, UA, HH Dia, CC Gold, SPG Plat
Posts: 795
Originally Posted by oohaahouch
Anyone interested to PM me with approx how much $ are they pushing through this card / mo and if only in 5x?
Too Ymmv depending on credit line, #of accts, and length of credit history both with Amex and in general.
TTnC4me is offline  
Old Apr 1, 2014, 1:20 pm
  #1706  
 
Join Date: May 2013
Location: AZ
Programs: AA, UA, US
Posts: 525
Originally Posted by TTnC4me
Too Ymmv depending on credit line, #of accts, and length of credit history both with Amex and in general.
yes, i get that part
oohaahouch is offline  
Old Apr 1, 2014, 1:23 pm
  #1707  
Original Poster
 
Join Date: Nov 2011
Posts: 1,944
Originally Posted by oohaahouch
yes, i get that part
OK, so if I PM'd you $15K per month, all 5%, what use is that to you?
silver6054 is offline  
Old Apr 1, 2014, 1:36 pm
  #1708  
 
Join Date: May 2013
Location: AZ
Programs: AA, UA, US
Posts: 525
Originally Posted by silver6054
OK, so if I PM'd you $15K per month, all 5%, what use is that to you?
Leave the usage part to me, thanks for effort put in to press ~75 keys (if using standard keyboard)
oohaahouch is offline  
Old Apr 1, 2014, 1:58 pm
  #1709  
 
Join Date: Jun 2012
Posts: 115
Originally Posted by oohaahouch
Leave the usage part to me, thanks for effort put in to press ~75 keys (if using standard keyboard)
What are u putting on per month?

Go wild and report back

BQatWSU is offline  
Old Apr 1, 2014, 2:03 pm
  #1710  
 
Join Date: Mar 2008
Programs: Marriott Gold, UA Premier Executive, Hertz 5*
Posts: 53
Originally Posted by oohaahouch
Anyone interested to PM me with approx how much $ are they pushing through this card / mo and if only in 5x?
$5 million in 5% categories, an additional $1 million in 1% categories.
IntegraR0064 is offline  

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