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 6, 14, 5:05 am
  #301  
 
Join Date: Apr 2013
Posts: 568
I've never done MS with AMEX before. What's the most efficient way to reset your credit? Does it make sense to get a checking account with them? Otherwise, do pushes or pulls works best? How quickly does stuff post? Thanks.
zeppoloveskafka is offline  
Old Jan 6, 14, 6:09 am
  #302  
 
Join Date: Aug 2009
Location: RDU
Programs: A few
Posts: 5,492
Originally Posted by jeam3130
just dont to nuts! slow and steady
yah with this crowd good luck with that
ma91pmh is offline  
Old Jan 6, 14, 7:07 am
  #303  
 
Join Date: Nov 2009
Location: DEN
Programs: SPG Gold; HH Diamond
Posts: 223
Originally Posted by zeppoloveskafka
I've never done MS with AMEX before. What's the most efficient way to reset your credit? Does it make sense to get a checking account with them? Otherwise, do pushes or pulls works best? How quickly does stuff post? Thanks.
Once you set up linked checking accts (max 3 per card), payments made on the AmEx site post immediately.
kjgco is offline  
Old Jan 6, 14, 10:39 am
  #304  
 
Join Date: Aug 2013
Posts: 240
does anyone know if there is a reconsideration line? I got declined probably because my existing credit card balances are too high. Does reconsideration involve me sending in a bunch of documents to AMEX?

Maybe instead I can get them to convert my blue cash everyday? Or will they decline that for the same reason?
Silverthunder is offline  
Old Jan 6, 14, 10:44 am
  #305  
Original Poster
 
Join Date: Nov 2011
Posts: 1,944
So card arrived. Just did an AP and got a pending message, indicates it needs review. Never had that before. Hoping it's just because it is a new card and first time to the recipient!
silver6054 is offline  
Old Jan 6, 14, 11:51 am
  #306  
 
Join Date: Dec 2012
Location: SFO
Posts: 46
Originally Posted by silver6054
So card arrived. Just did an AP and got a pending message, indicates it needs review. Never had that before. Hoping it's just because it is a new card and first time to the recipient!

Im going to hit AP as soon as I get my card too. Keep us posted.
flowfaster is offline  
Old Jan 6, 14, 11:55 am
  #307  
 
Join Date: Oct 2013
Posts: 434
Applied and got pending review. Strange considering how many people got auto approval.

Edit: got pending on application, but then called 2 min later and they said I was approved.

I value an experian hard pull at about $500, I think this card could easily surpass that value..

Last edited by xoxx; Jan 6, 14 at 12:40 pm
xoxx is offline  
Old Jan 6, 14, 4:07 pm
  #308  
 
Join Date: Dec 2011
Location: ORD
Posts: 689
I received my card in the mail today and was able to move credit limit from an existing card. Make sure you move the limit from a card that is more than 13 months old. I tried to move credit recently over the phone and was told by a supervisor that you are not able to do it with an account that is under 13 months. While you can't believe everything that is said, I was denied a credit limit transfer about 6 months ago and the card was only 8 months old.
Corridor! is offline  
Old Jan 6, 14, 4:08 pm
  #309  
 
Join Date: Dec 2011
Location: ORD
Posts: 689
Originally Posted by silver6054
So card arrived. Just did an AP and got a pending message, indicates it needs review. Never had that before. Hoping it's just because it is a new card and first time to the recipient!
Do you see the charge pending in your account?
Corridor! is offline  
Old Jan 6, 14, 4:13 pm
  #310  
 
Join Date: Oct 2013
Location: DFW
Posts: 246
Applied 12/30 and got pending. Didn't bother calling the line and just waited. Got an email on 1/4 saying I was approved.
uneeq is offline  
Old Jan 6, 14, 4:20 pm
  #311  
Original Poster
 
Join Date: Nov 2011
Posts: 1,944
Originally Posted by flowfaster
Im going to hit AP as soon as I get my card too. Keep us posted.
The AP completed without issue after the pending...
silver6054 is offline  
Old Jan 6, 14, 4:21 pm
  #312  
Original Poster
 
Join Date: Nov 2011
Posts: 1,944
Originally Posted by Corridor!
Do you see the charge pending in your account?
No, just the $1 normal Amazon check. Once I got email saying the payment had gone through, the charge appeared as pending in Amex
silver6054 is offline  
Old Jan 6, 14, 4:22 pm
  #313  
Original Poster
 
Join Date: Nov 2011
Posts: 1,944
Originally Posted by Corridor!
Make sure you move the limit from a card that is more than 13 months old. I tried to move credit recently over the phone and was told by a supervisor that you are not able to do it with an account that is under 13 months.
I "knew" the from account had to be at least 12 months old, but I was told I couldn't move the credit limit to the new card until that had been active 60 days. But you did it after 0 days?
silver6054 is offline  
Old Jan 6, 14, 4:27 pm
  #314  
 
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 9,385
Originally Posted by silver6054
I expect to receive the card in the next few days. And now wondering what is the best (= sort of safe) way to meet the $6,500 spend? I was thinking of Amex gift cards through TCB for most and maybe VR for the rest. Or is it best just to get the VR, to set my future spending pattern? Haven't done MS on Amex before.
What do you do with the TCB Amexes if not turn them into VRs?
josephstern is offline  
Old Jan 6, 14, 4:30 pm
  #315  
Original Poster
 
Join Date: Nov 2011
Posts: 1,944
Originally Posted by josephstern
What do you do with the TCB Amexes if not turn them into VRs?
Usually use AP to drain them. But even if I did buy VR with them, that is (hopefully) somewhat invisible to Amex, as compared to a large charge at CVS on my Amex credit card.
silver6054 is offline  

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