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 Jan 9, 2014, 9:20 am
  #376  
 
Join Date: Aug 2013
Location: Kansas City
Posts: 193
Denied application. Probably way too many applications recently and my score has fallen below the threshold.
Nomoneyinmybank is offline  
Old Jan 9, 2014, 9:38 am
  #377  
 
Join Date: Feb 2012
Location: Los Angles
Posts: 2,101
Originally Posted by silver6054
Surprised they do this, at least without asking. Why can't they just give a smaller CL on the new card and let you make the transfer request? Of course, this way is saving you a step as you want more on the BC.
The card came with a letter explaining the CL split of 50/50 and if I like to reallocate can call CS.
prasha11 is offline  
Old Jan 9, 2014, 9:42 am
  #378  
 
Join Date: May 2012
Posts: 88
Quick clarification:

Do I have to spend $6500 in the "Everyday Spending" categories to trigger the 5% or is it as soon as I hit $6500 on the card (regardless of category) the bonus kicks in?
JW008 is offline  
Old Jan 9, 2014, 9:47 am
  #379  
 
Join Date: May 2013
Posts: 1,153
Originally Posted by JW008
Quick clarification:

Do I have to spend $6500 in the "Everyday Spending" categories to trigger the 5% or is it as soon as I hit $6500 on the card (regardless of category) the bonus kicks in?
as soon as I hit $6500 on the card (regardless of category) the bonus kicks in
vagrants is offline  
Old Jan 9, 2014, 9:48 am
  #380  
 
Join Date: Sep 2007
Location: Chicago
Programs: AA, BA, CX, DL, EK, F9, GA, HA, IB, JL, KE, LH, MH, NH, OS, PG, QR, RJ, SA, TG, UA, VN, WN, ZH
Posts: 927
Originally Posted by JW008
Quick clarification:

Do I have to spend $6500 in the "Everyday Spending" categories to trigger the 5% or is it
as soon as I hit $6500 on the card (regardless of category) the bonus kicks in?
lad2 is offline  
Old Jan 9, 2014, 10:01 am
  #381  
 
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
I can't wait to churn and burn on this card. This will replace my TYP when it goes kaput.
TheDapperDon is offline  
Old Jan 9, 2014, 10:33 am
  #382  
Original Poster
 
Join Date: Nov 2011
Posts: 1,944
Originally Posted by TheDapperDon
I can't wait to churn and burn on this card. This will replace my TYP when it goes kaput.
Lets just hope they dont cap it or remove drug stores. Amex seems better than Citi at controlling undesired behavior
silver6054 is offline  
Old Jan 9, 2014, 11:33 am
  #383  
 
Join Date: Dec 2013
Posts: 139
Originally Posted by silver6054
Lets just hope they dont cap it or remove drug stores. Amex seems better than Citi at controlling undesired behavior
just dont go too crazy on it. not worth risking getting it shut down
co.miller89 is offline  
Old Jan 9, 2014, 11:42 am
  #384  
Original Poster
 
Join Date: Nov 2011
Posts: 1,944
Originally Posted by jeam3130
just dont go too crazy on it. not worth risking getting it shut down
As already referred to earlier in the thread though, Tragedy of the Commons. As it might get shutdown anyway because of others behavior, you might as well go hard as well, thus getting it shut down..
silver6054 is offline  
Old Jan 9, 2014, 12:10 pm
  #385  
 
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
Originally Posted by silver6054
Lets just hope they dont cap it or remove drug stores. Amex seems better than Citi at controlling undesired behavior
True. I'm hoping that the $6500 requirement makes them feel better about it. Plus, the FR scare will keep some folks in line. Finally, folks value Amex a bunch and may tread lightly.
TheDapperDon is offline  
Old Jan 9, 2014, 12:12 pm
  #386  
 
Join Date: Nov 2013
Posts: 139
Originally Posted by TheDapperDon
True. I'm hoping that the $6500 requirement makes them feel better about it. Plus, the FR scare will keep some folks in line. Finally, folks value Amex a bunch and may tread lightly.
This is why I am highly considering not getting this card right now as it would be my first AMEX card. Last think I would want to do is go to heavy and cause a problem and get blacklisted or something.

Any projections as to how long this deal will last?
whitey4545 is offline  
Old Jan 9, 2014, 12:13 pm
  #387  
Original Poster
 
Join Date: Nov 2011
Posts: 1,944
Originally Posted by TheDapperDon
True. I'm hoping that the $6500 requirement makes them feel better about it. Plus, the FR scare will keep some folks in line. Finally, folks value Amex a bunch and may tread lightly.
Well, yes, but someone said: "I can't wait to churn and burn on this card."!
silver6054 is offline  
Old Jan 9, 2014, 12:17 pm
  #388  
 
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
Originally Posted by silver6054
Well, yes, but someone said: "I can't wait to churn and burn on this card."!
That someone also is one of the more conservative members on this board. I have a feel for what I can get away with, so I will be full speed ahead with that. I've never been one to charge over my limit and pay it off within the bill cycle, though.
TheDapperDon is offline  
Old Jan 9, 2014, 1:11 pm
  #389  
 
Join Date: Dec 2013
Posts: 139
Originally Posted by silver6054
As already referred to earlier in the thread though, Tragedy of the Commons. As it might get shutdown anyway because of others behavior, you might as well go hard as well, thus getting it shut down..
i dont think thats a good attitude. i understand the philosophy, but you can also be part of the solution
co.miller89 is offline  
Old Jan 9, 2014, 5:38 pm
  #390  
 
Join Date: May 2013
Posts: 1,153
Originally Posted by jeam3130
i dont think thats a good attitude. i understand the philosophy, but you can also be part of the solution
Agree. I hope "hit and burn" people will get FRs and account closure.

The end may be near though. One &*(*(& posted a thing on a AMEX Facebook saying something about Manufactured Spending & referencing blogs.
vagrants is offline  

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