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 Apr 1, 2014, 6:09 pm
  #1726  
 
Join Date: Jun 2011
Location: NYC
Programs: Delta Platinum, Air Berlin Gold, Hilton Diamond, Hyatt Platinum, SPG Platinum
Posts: 53
Originally Posted by andres17
I made a payment yesterday. My "available credit" was updated right away, although the payment had not been processed. Does that mean I have access to that credit today? Or do I have to wait for the payment to clear?
When Amex becomes more comfortable with your methods of payments, your available credit can be updated immediately after you make the payment, regardless of whether or not the payment has actually been taken out of your bank account. You will have access to that credit today. Essentially, Amex thinks that you are creditworthy enough so that they can be confident that your payment will eventually clear.
pointsaddict3326 is offline  
Old Apr 1, 2014, 7:18 pm
  #1727  
 
Join Date: Nov 2009
Programs: DL DM-1MM HH Diamond
Posts: 361
Originally Posted by andres17
I made a payment yesterday. My "available credit" was updated right away, although the payment had not been processed. Does that mean I have access to that credit today? Or do I have to wait for the payment to clear?
If it shows you have available credit, you have available credit. Go for it.
2B or back in coach is offline  
Old Apr 1, 2014, 10:31 pm
  #1728  
 
Join Date: Jun 2013
Posts: 1,060
There are three steps to the payment showing in the register on the main site, first the payment goes against your credit limit (for the positive), based upon Amex's will to trust you. Then it appears in the Payments menu option, then it shows up in the register, after everything clears.
raccah is offline  
Old Apr 1, 2014, 11:26 pm
  #1729  
 
Join Date: Nov 2013
Posts: 140
beans for cash is really going to screw with may gameplan.
TheGreatMongo is offline  
Old Apr 1, 2014, 11:27 pm
  #1730  
 
Join Date: Nov 2013
Posts: 140
ach pull is a godsend.
TheGreatMongo is offline  
Old Apr 2, 2014, 12:10 am
  #1731  
 
Join Date: Aug 2012
Programs: WN DL SPG HGP HH
Posts: 28
Mods. Curious why this is a manufactured spending thread and not a Amex cc thread
datch is offline  
Old Apr 2, 2014, 12:31 am
  #1732  
 
Join Date: Nov 2013
Posts: 140
^ i agree.
TheGreatMongo is offline  
Old Apr 2, 2014, 12:32 am
  #1733  
 
Join Date: Aug 2011
Location: New Jersey
Programs: Delta P, SPG G, Marriott S, Hertz PC
Posts: 1,007
Originally Posted by datch
Mods. Curious why this is a manufactured spending thread and not a Amex cc thread
Because this card is pretty much useless UNLESS you use it for MS....

.... or one of the abnormalities who spends more than $6,500 a year on groceries, drugs or gas. =P
maksimfa is offline  
Old Apr 2, 2014, 12:48 am
  #1734  
 
Join Date: Jan 2014
Posts: 47
Originally Posted by TheGreatMongo
^ i agree.

+1
Arbitrage650 is offline  
Old Apr 2, 2014, 8:19 am
  #1735  
 
Join Date: Dec 2013
Posts: 139
Originally Posted by oohaahouch
i was FR'ed 2 weeks ago at under 10% of CL @:-) go figure!
can you give some more details? under 10% of CL is almost nothing
co.miller89 is offline  
Old Apr 2, 2014, 8:58 am
  #1736  
 
Join Date: May 2013
Location: AZ
Programs: AA, UA, US
Posts: 525
Originally Posted by jeam3130
can you give some more details? under 10% of CL is almost nothing
sure, what details?
oohaahouch is offline  
Old Apr 2, 2014, 9:42 am
  #1737  
 
Join Date: Jul 2013
Posts: 95
Originally Posted by maksimfa
Because this card is pretty much useless UNLESS you use it for MS....

.... or one of the abnormalities who spends more than $6,500 a year on groceries, drugs or gas. =P
The $6.5k is on all purchases not just the 5% catagories.
hmmurdock is offline  
Old Apr 2, 2014, 9:43 am
  #1738  
 
Join Date: Apr 2012
Location: Uranus
Posts: 333
Originally Posted by oohaahouch
sure, what details?
CL amount, spending pattern, etc
toxicity is offline  
Old Apr 2, 2014, 9:59 am
  #1739  
 
Join Date: Aug 2011
Location: New Jersey
Programs: Delta P, SPG G, Marriott S, Hertz PC
Posts: 1,007
Originally Posted by hmmurdock
The $6.5k is on all purchases not just the 5% catagories.
Yes... But if it were not for the 5% I would of rather use any 2% card.

Blue cash was a gimmick card for Amex that unfortunately for them became the main tool for ms.
maksimfa is offline  
Old Apr 2, 2014, 10:47 am
  #1740  
Original Poster
 
Join Date: Nov 2011
Posts: 1,944
Originally Posted by maksimfa
Yes... But if it were not for the 5% I would of rather use any 2% card.

Blue cash was a gimmick card for Amex that unfortunately for them became the main tool for ms.
Well, there are people who do spend a lot on groceries (Whole Foods is full of them!) and in fact when I got the BCP (in uncapped mode) I was using it for "real" groceries. So I think the Blue Cash, at the time, also served that market, as there weren't a lot of 5% cards out there, especially for groceries. As you spend enough, the lower rate on the $6,500 becomes less important.

But now, yes, a MS card, which is why I started the thread here rather than in Amex.
silver6054 is offline  

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