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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 $6,500ą spend in a reward year˛, you will earn 1% on Everyday Purchasesł (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)

⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯
ą 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.

ł '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 2–3 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 Jul 14, 2014, 4:51 pm
  #2971  
 
Join Date: Aug 2013
Posts: 55
Originally Posted by Happy
Possible. There are successful cases from SPG and Delta to OBC. Go back to last week's pages and read the discussion posts.

I would say worth a call. You have nothing to lose.



Read more carefully. The unsuccessful cases were all related to PC from some type of Blue cards.

HHonors is not a Blue card but an affiliate card. There are successes on SPG and Delta to OBC being discussed last week. Read post 2872 and the discussion that followed.
Thanks, I'd read a couple pages and searched and saw the SPG info (which I may end up doing as well) but nothing on Hilton.

Can you get a CLI on a card that has been converted from a previous card without waiting the normally required 60 days?
dawgsontop is offline  
Old Jul 14, 2014, 8:27 pm
  #2972  
 
Join Date: May 2014
Posts: 466
Originally Posted by dawgsontop
Thanks, I'd read a couple pages and searched and saw the SPG info (which I may end up doing as well) but nothing on Hilton.

Can you get a CLI on a card that has been converted from a previous card without waiting the normally required 60 days?
Why don't you just get the old blue, and reallocate some of your credit limit from the HHonors card?
Tuppins is offline  
Old Jul 14, 2014, 10:25 pm
  #2973  
 
Join Date: Aug 2013
Posts: 55
Originally Posted by Tuppins
Why don't you just get the old blue, and reallocate some of your credit limit from the HHonors card?
The Hilton card is less than 12 months old, so I can't transfer its credit line (correct me if I'm wrong on that, but that's the latest I've heard on moving the lines).
dawgsontop is offline  
Old Jul 15, 2014, 2:00 am
  #2974  
 
Join Date: Apr 2011
Posts: 90
people have confirmed PCs recently, but the actual PC was months ago. I haven't heard of any PCs done successfully in the last 1-2 months

Originally Posted by Happy
Possible. There are successful cases from SPG and Delta to OBC. Go back to last week's pages and read the discussion posts.

I would say worth a call. You have nothing to lose.



Read more carefully. The unsuccessful cases were all related to PC from some type of Blue cards.

HHonors is not a Blue card but an affiliate card. There are successes on SPG and Delta to OBC being discussed last week. Read post 2872 and the discussion that followed.
jamesflyertalk is offline  
Old Jul 17, 2014, 3:14 am
  #2975  
Suspended
 
Join Date: Dec 2013
Posts: 632
Are there any decent redemption options for cash back on the Amex rewards site? I was poking around in there tonight since my balance is getting kind of high, and everything is a straight 1 to 1 conversion. Kind of sucks.
flyertalker9867674 is offline  
Old Jul 17, 2014, 4:19 am
  #2976  
 
Join Date: Oct 2013
Posts: 920
Originally Posted by RamboAroundTheWorld
Are there any decent redemption options for cash back on the Amex rewards site? I was poking around in there tonight since my balance is getting kind of high, and everything is a straight 1 to 1 conversion. Kind of sucks.
How does a 1 to 1 conversion suck when you're getting 5% back in the first place? Think of it more like a 1 to 5 conversion, because that's what it is.
hitman1420 is offline  
Old Jul 17, 2014, 4:48 am
  #2977  
 
Join Date: Jun 2014
Location: Gulf Coast of FL
Posts: 115
Originally Posted by RamboAroundTheWorld
Are there any decent redemption options for cash back on the Amex rewards site? I was poking around in there tonight since my balance is getting kind of high, and everything is a straight 1 to 1 conversion. Kind of sucks.
The only real "sale" they've had recently is Kohl's GCs, which isn't interesting to me. But hitman is right, it's still a pretty good darn deal with 5%.
nittanylion1 is offline  
Old Jul 17, 2014, 6:59 am
  #2978  
 
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,375
Originally Posted by RamboAroundTheWorld
Are there any decent redemption options for cash back on the Amex rewards site? I was poking around in there tonight since my balance is getting kind of high, and everything is a straight 1 to 1 conversion. Kind of sucks.
Why haven't you cashed out already??? Were you hoping for some good reward redemption?
cdancer20 is offline  
Old Jul 17, 2014, 8:52 am
  #2979  
 
Join Date: May 2014
Posts: 186
Other than the cash back, there's just comically overpriced merchandise. Almost all the big ticket items are on amazon for half the price.
shenxing is offline  
Old Jul 17, 2014, 9:17 am
  #2980  
Original Poster
 
Join Date: Nov 2011
Posts: 1,944
Originally Posted by cdancer20
Why haven't you cashed out already??? Were you hoping for some good reward redemption?
This! Unredeemed rewards are always potentially at risk if Amex decides to close the card.
silver6054 is offline  
Old Jul 17, 2014, 9:31 am
  #2981  
 
Join Date: Feb 2012
Location: Los Angles
Posts: 2,101
Originally Posted by RamboAroundTheWorld
Are there any decent redemption options for cash back on the Amex rewards site? I was poking around in there tonight since my balance is getting kind of high, and everything is a straight 1 to 1 conversion. Kind of sucks.
what kind of redemption are u looking for? to me cashback is the ultimate, king of all rewards ....
prasha11 is offline  
Old Jul 17, 2014, 9:38 am
  #2982  
 
Join Date: Jul 2014
Posts: 3,688
anyone tried selling their points to rewards2cashdotcom? They're buying points/miles @ a higher rate than CCCs conversion. Beware, though, that your accounts will be at risk of getting shutdown/acct closed, if you sell your points/miles.
Mamibear is offline  
Old Jul 17, 2014, 10:29 am
  #2983  
 
Join Date: May 2014
Posts: 186
They will only buy MR points. Blue doesn't generate these. You can't transfer its points to airlines, only redeem them for merch or statement credit.
shenxing is offline  
Old Jul 17, 2014, 1:33 pm
  #2984  
 
Join Date: Jul 2013
Posts: 121
I use around 35-40% of my credit limit? Anyone see that as a big issue? I have credit limit of $20K. Have had this card for a few years now.
knn9413a is offline  
Old Jul 17, 2014, 1:35 pm
  #2985  
 
Join Date: May 2014
Posts: 466
Originally Posted by knn9413a
I use around 35-40% of my credit limit? Anyone see that as a big issue? I have credit limit of $20K. Have had this card for a few years now.
Um, considering most people in this thread TURN OVER their CL multiple times a month, no. (i.e., use 200%-700% of credit limit per month)

Unless you're talking about paying off as soon as you hit those marks. In which case, that shouldn't be a problem.
Tuppins is offline  


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