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 Jan 2, 14, 11:47 am
  #181  
 
Join Date: Dec 2009
Location: DEN
Posts: 491
Originally Posted by midnightinharlem
Applied for the card and was approved instantly. Is there a way to learn of the credit limit before receiving the card and welcome packet? Also, for those who have the BCP and this card, is the Rewards Dollars account number the same? When I look at the BCP online, there's a "Program Number". Is this per card or per account?
The approval email should list the last five digits of your new account. Use that when you call the main Amex number (1-800-528-4800) and the automated phone system will tell you.
brc01 is offline  
Old Jan 2, 14, 12:03 pm
  #182  
 
Join Date: Feb 2013
Location: NYC
Programs: AA Gold, US Silver, Starwood Gold, Starbucks Gold
Posts: 329
Thanks very much silver6054 and brc01. I tried calling but no luck yet. Will try again in a few hours.
midnightinharlem is offline  
Old Jan 2, 14, 12:15 pm
  #183  
 
Join Date: Apr 2012
Posts: 197
Just called in and had no trouble with a product change from BCE to this. Rep confirmed the 5% cashback features. At the same time I requested a transfer of $15k of the CL from my Delta Skymiles card to this account. Rep processed that request for approval and told me I'd receive a decision within 10 business days.

I was planning to apply for a WF card once my TYP runs out in a few months, but this was a lot easier.
js80 is offline  
Old Jan 2, 14, 12:21 pm
  #184  
Original Poster
 
Join Date: Nov 2011
Posts: 1,944
Would be interesting to know the criteria for when a Prod Change is allowed, or if it is just rep dependent.

Like js80, I was planning on getting the WF or TD card once my TYP expired, hopefully this is easier to use
silver6054 is offline  
Old Jan 2, 14, 12:22 pm
  #185  
 
Join Date: Apr 2013
Location: The Empire State
Programs: CO (RIP), US (RIP), Amtrak. Lots of CC programs.
Posts: 442
I see the CL on the account summary page, in the middle column below "Outstanding Balance".
cuebert is offline  
Old Jan 2, 14, 12:28 pm
  #186  
 
Join Date: Apr 2013
Location: The Empire State
Programs: CO (RIP), US (RIP), Amtrak. Lots of CC programs.
Posts: 442
Originally Posted by silver6054
Like js80, I was planning on getting the WF or TD card once my TYP expired, hopefully this is easier to use
Same here, we shall see
cuebert is offline  
Old Jan 2, 14, 1:08 pm
  #187  
 
Join Date: Nov 2011
Posts: 450
Originally Posted by cuebert
Same here, we shall see
nevermind.
newbynewbynew is offline  
Old Jan 2, 14, 1:48 pm
  #188  
 
Join Date: Jan 2007
Programs: PC Pl, UA 1K, CC Gl
Posts: 2,227
Such a high chance of FR. I think better to stay away.
al613 is offline  
Old Jan 2, 14, 1:55 pm
  #189  
 
Join Date: Jul 2013
Posts: 30
Originally Posted by al613
Such a high chance of FR. I think better to stay away.
Why? Say you charge half your CL per month, coming out to 2/3 your yearly income over the course of the whole year. Think that'll set off an F/R?

(Ie with easy numbers: CL is 10K, spend 5K a month, 60K annual spend, make 90K a year....) - F/R?
LA2NYC is offline  
Old Jan 2, 14, 2:15 pm
  #190  
 
Join Date: Apr 2013
Posts: 202
Originally Posted by al613
Such a high chance of FR. I think better to stay away.
Yes you should. I, otoh will be maxing out my 2 bb's and AP with it
Rick471 is offline  
Old Jan 2, 14, 3:22 pm
  #191  
 
Join Date: Jun 2013
Posts: 510
Originally Posted by xp0
They ask for last years tax returns and some other info. Failure to compile results in all accounts being shut down.
What if you're not employed but your spouse is and you lie on your application that you are? If you file joint returns, will you be able to get through the FR?
cowboyguy is offline  
Old Jan 2, 14, 3:25 pm
  #192  
Original Poster
 
Join Date: Nov 2011
Posts: 1,944
Originally Posted by cowboyguy
What if you're not employed but your spouse is and you lie on your application that you are? If you file joint returns, will you be able to get through the FR?
The transcript they get from the IRS indicates who on the return earned how much. So probably not!
silver6054 is offline  
Old Jan 2, 14, 3:40 pm
  #193  
 
Join Date: Jul 2013
Posts: 1,035
Is this offer still alive?
ibleed0range is offline  
Old Jan 2, 14, 3:49 pm
  #194  
 
Join Date: Jun 2013
Posts: 510
Just called to do a product change from BCP and they say that they don't offer the (old) Blue Cash anymore. The two blue cards they offer are BCE and BCP.

The link on post # 3 is myfico link. Is there a direct Amex link to apply for the card? When I click on the link given in post # 3 of myfico's first page, I get an error. Maybe the deal is dead?


Last edited by cowboyguy; Jan 2, 14 at 4:17 pm
cowboyguy is offline  
Old Jan 2, 14, 4:09 pm
  #195  
 
Join Date: May 2013
Location: Sacramento, CA
Posts: 356
Originally Posted by midnightinharlem
Thanks very much silver6054 and brc01. I tried calling but no luck yet. Will try again in a few hours.
My approval email had a reference number and a link to create the online account. Once I did that, I logged out & back in and it showed me the credit limit.
Wonko is offline  

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