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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 Oct 17, 2014, 11:42 am
  #3826  
 
Join Date: Mar 2012
Programs: Hilton, Hyatt, Priority, SPG - AA, Hawaiian Airline, United, US Airline
Posts: 608
I really dont know why many people want to show off their spending for this card. Some people show their true amount, and some show over their amount. I still dont know what is the point of showing off?

In addition, why are people curious about other people spending on this card?

Last edited by happy9zz; Oct 17, 2014 at 11:50 am
happy9zz is offline  
Old Oct 17, 2014, 12:02 pm
  #3827  
 
Join Date: Feb 2014
Posts: 349
Originally Posted by happy9zz
In addition, why are people curious about other people spending on this card?
To see what it's capable of I suppose.
aGeist is offline  
Old Oct 17, 2014, 12:02 pm
  #3828  
Original Poster
 
Join Date: Nov 2011
Posts: 1,944
Originally Posted by happy9zz
I really dont know why many people want to show off their spending for this card. Some people show their true amount, and some show over their amount. I still dont know what is the point of showing off?

In addition, why are people curious about other people spending on this card?
The last question is easy: I've just got the card, how much is "safe" to spend? If others are doing $60K (or $10K or $200K, or 3xCL etc), then maybe I should do the same.

As others have pointed out, very much a flawed assumption that what is OK for A is OK for B. But still perhaps some value. If people were getting shutdown for $1K a month, or everyone seemed to be doing $200K a month without trouble, providing I could trust the stories (another big if), I get some low-value info
silver6054 is offline  
Old Oct 17, 2014, 9:50 pm
  #3829  
 
Join Date: Aug 2010
Location: USA
Programs: Any and All
Posts: 198
Here's an idea: keep this conversation in PM's so it doesn't get shut down as fast as every other good loophole we've closed over the years due to overexposure. Let this thread die. If you have a question, send someone a PM rather than reply to the thread (yes I'm a hypocrite in replying, but this is my one post).
MilesDavis11 is offline  
Old Oct 18, 2014, 12:03 am
  #3830  
 
Join Date: Oct 2014
Posts: 201
Hey guys...my first statement cycle closed on September 16 and no cash back posted. My second statement closed yesterday and still no cash back (shows zero). I don't want to call Amex to avoid drawing attention to the account. Does anyone have experience as to how long it takes for the cash back to post for a brand new card member with two billing cycles that closed?
MSerforfun is offline  
Old Oct 18, 2014, 12:26 am
  #3831  
 
Join Date: May 2013
Location: AZ
Programs: AA, UA, US
Posts: 525
Originally Posted by MSerforfun
Hey guys...my first statement cycle closed on September 16 and no cash back posted. My second statement closed yesterday and still no cash back (shows zero). I don't want to call Amex to avoid drawing attention to the account. Does anyone have experience as to how long it takes for the cash back to post for a brand new card member with two billing cycles that closed?
Pay min payment and then it will show up in available.
oohaahouch is offline  
Old Oct 18, 2014, 5:49 am
  #3832  
 
Join Date: Jul 2014
Posts: 427
Originally Posted by MilesDavis11
Here's an idea: keep this conversation in PM's so it doesn't get shut down as fast as every other good loophole we've closed over the years due to overexposure. Let this thread die. If you have a question, send someone a PM rather than reply to the thread (yes I'm a hypocrite in replying, but this is my one post).
Oh, it will get shut down, too many people who have no clue are using it now.
bigugly is offline  
Old Oct 18, 2014, 7:44 am
  #3833  
 
Join Date: Apr 2013
Posts: 133
Originally Posted by oohaahouch
Pay min payment and then it will show up in available.
I made the payment and mine is still not showing. Does it take a few days?
doubleheader is offline  
Old Oct 18, 2014, 7:52 am
  #3834  
Suspended
 
Join Date: May 2010
Posts: 2,998
It can
Stoughton is offline  
Old Oct 18, 2014, 8:21 am
  #3835  
 
Join Date: Jul 2014
Posts: 3,688
Originally Posted by MSerforfun
Hey guys...my first statement cycle closed on September 16 and no cash back posted. My second statement closed yesterday and still no cash back (shows zero). I don't want to call Amex to avoid drawing attention to the account. Does anyone have experience as to how long it takes for the cash back to post for a brand new card member with two billing cycles that closed?
the first statement is usually zero and the second reflects reward dollars for all qualified spend. In your case, was all your charges from 9/16 till statement cut limited to loading Serve? afaik, loads to Serve don't earn reward dollars but will count for reaching threshold. But if you made charges on items that qualify for everyday spend, there should be some RD posted in cents to a few dollars.

if you still can't figure it out, you may have to open a conversation if you don't like to call and ask the rep if they can help you understand.
Mamibear is offline  
Old Oct 18, 2014, 10:35 am
  #3836  
 
Join Date: Dec 2013
Location: WI
Posts: 181
Originally Posted by Mamibear
the first statement is usually zero and the second reflects reward dollars for all qualified spend. In your case, was all your charges from 9/16 till statement cut limited to loading Serve? afaik, loads to Serve don't earn reward dollars but will count for reaching threshold. But if you made charges on items that qualify for everyday spend, there should be some RD posted in cents to a few dollars.

if you still can't figure it out, you may have to open a conversation if you don't like to call and ask the rep if they can help you understand.
I've also wondered about the Serve loads counting toward the $6.5k even though they certainly earn no rewards. I've reached that threshold this cycle using Serve among other things. I'm going to wait until I see how the reward dollars come out on my statement before I go nuts since this is good information to have for future reference. Unless anyone is 100% certain on the answer to this?
mikeyb45 is offline  
Old Oct 18, 2014, 2:25 pm
  #3837  
Original Poster
 
Join Date: Nov 2011
Posts: 1,944
Originally Posted by bigugly
Oh, it will get shut down, too many people who have no clue are using it now.
Sep 6, 2014:

I just got my card in the mail. I'm looking forward to tapping into its vast potential.

So are you one of the new cluefull or clueless ones?
silver6054 is offline  
Old Oct 18, 2014, 2:59 pm
  #3838  
 
Join Date: May 2010
Posts: 148
Originally Posted by VerMagnusson
data point: called for a pc from BCE to old blue cash, CSR said "sorry we can't change to that card." i asked why and she said some cards just aren't available for product change. this goes against some of the data points in this thread, so i dont advocate trusting my experience 100%, but thought id share. maybe it's individual-specific?

went ahead and applied for the card and was approved, so im happy
Umm, like anything it's YMMV, I tried to convert from BCP and it wasn't one of the ones listed so I took the hard inq to apply for it as well.
rtwvagabond is offline  
Old Oct 19, 2014, 6:36 pm
  #3839  
 
Join Date: Feb 2005
Location: So Cal
Programs: UA Gold/0.744MM, WN AL, Hyatt Diamond, MR Scum, Hertz PC, National Exec, Avis PC
Posts: 5,560
Got an email today from Amex. Extra 2% cash back at Whole Foods. It appears they don't play in the GC game, but I suppose there's a possibility they could run this promo again:

http://saverocity.com/chasingthepoin...rn-profitably/

That would allow you to turn an ~8% profit (giftcards.com is currently offering 92% for WF).

Promo sign up:
https://www.americanexpress.com/us/c...ash/index.html
jasonvr is offline  
Old Oct 19, 2014, 6:42 pm
  #3840  
 
Join Date: May 2014
Posts: 378
Originally Posted by jasonvr
That would allow you to turn an ~8% profit (giftcards.com is currently offering 92% for WF).
Wouldn't you be paying $93 for a Whole Foods $100 GC with the cash back and get $92 from giftcards.com? Isn't that losing $1?
Frindle is offline  


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