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.
Print Wikipost

Old Amex Blue (2013-2014)

Old Oct 22, 2014, 3:25 pm
  #4021  
 
Join Date: Mar 2012
Programs: Hilton, Hyatt, Priority, SPG - AA, Hawaiian Airline, United, US Airline
Posts: 608
I bought 2k at CVS this morning. I haven't received any email yet.
happy9zz is offline  
Old Oct 22, 2014, 3:29 pm
  #4022  
 
Join Date: May 2014
Posts: 191
Waiting for the other shoe to drop...Paypal...CVS...AMEX...
usalibido is offline  
Old Oct 22, 2014, 3:34 pm
  #4023  
 
Join Date: Feb 2005
Location: a hotel room, somewhere...
Posts: 962
If i had serious $ owed, i'd do this:

as i have stated before, i am stunned it lasted as long as it did given that there is no way to 'get a good deal' on cash! vs buying delta points at a very low rate, for example. wildly unprofitable for amex, and with people doing 6 figures/month, ummm... duh.

that said, by not getting the card for said reason, i left a LOT of $ on the table. the guys who got $5k+/month for a year- pretty hard to argue that they made a mistake!

anyway, i don't care what the T&C say, i don't think amex can take your cash earned. the timing relative to statement dates, i'd argue, was planned to avoid payment. at small amounts, i'd (and i'd suggest) drop it. but, if you were a big hitter with several surrogate accounts with 10's of 1000's outstanding- i'd fight it. their argument will be you bought gift cards. good luck with that, amex....

amex pays rewards for gift cards they sell and market aggressively- AGC's. so the issue here is that they're ok with you buying gift cards- but only if they are sold by Amex- not by competitors.

finally, cash equivalent? hand a VGC to amex and court and ask them to exchange it directly for cash. given an extra step to sell/convert it, EVERYTHING you buy is a cash equivalent. an iphone, would be a fine example. the US government (currently) does not define a debit card as a cash equivalent. heck, go to an unfriendly walmart and make a video being shot down trying to get cash, buy a MO, etc.

finally, if you want to do some good, bring down the blogs in the process. tell them that you learned about doing this from a blog that, right on its front page, says it has a financial relationship with amex! perhaps bring a life size cut out of Emily standing next to a gift card rack!

quick example, first on goog search:

http://millionmilesecrets.com/2013/0...-points-cards/

advertising partner. hmmm. entrapment. treble damages?

amex has bloggers pimping their cards with MS as the reason to apply for and use the cards. they pay these bloggers richly to do so. close the cards- ummm, ok, whatever. steal the rewards? idts.
uncommonsensical is offline  
Old Oct 22, 2014, 3:35 pm
  #4024  
 
Join Date: Apr 2012
Posts: 107
Originally Posted by glocklt4
They knew they would have more credit to lend today
LOL maybe so. I got a 7k CLI without asking last week and just now got an email saying:

"Pay for large purchases in full or over time. Enjoy more time to pay your card for large purchases. Remember, your Blue Cash Card gives you the option to carry a balance, so you can take more time to pay when you need it."
Jordancl is offline  
Old Oct 22, 2014, 3:41 pm
  #4025  
 
Join Date: Aug 2008
Posts: 7
Curious-- how many people who were cancelled had all or most of their payments made via BlueBird?
JimR1998 is offline  
Old Oct 22, 2014, 3:44 pm
  #4026  
 
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,375
Originally Posted by glocklt4
They knew they would have more credit to lend today
Haha! This is great!
cdancer20 is offline  
Old Oct 22, 2014, 3:44 pm
  #4027  
 
Join Date: Dec 2008
Posts: 377
Originally Posted by dfw_plt_aa
There is no reason that you can't do both. First, you can go the regulator route and see if there is any resolution in two or three months. If there is no resolution, then you can go to small claims court and have evidence that you first tried to work it out with Amex before going to court.
One could, but I wouldn't recommend it. Has it worked for you in a situation in which a credit card issuer tried to renege on an offer and withhold your earnings? In my experience, it's wasted time. It's also playing the game the way the bank wants you to play the game. The bank wants to sap you of your time and energy, so you'll give up. In these instances (FDICing crappy Bancorp and the like is an exception), it's been my experience that it's wasted time and energy. Suing the banks when they try to pocket your earnings holds them accountable -- and it works.
I can see for miles is offline  
Old Oct 22, 2014, 3:51 pm
  #4028  
 
Join Date: Dec 2008
Posts: 377
Originally Posted by uncommonsensical
i'm curious what relationship you had with the CC issuers you sued afterwards?

there are only a few- and only 2 majors: chase and amex. how many have you sued? what happened to other cards with the issuer?
Sued twice. Settled with one CC issuer for everything I was owed. Waited six months and applied for a CC with that issuer. Was approved and received the bonus. Shortly thereafter applied again for another CC, and my app. was declined that time because of the AA. It's been another six months, so I'll likely try again soon.

The other CC issuer didn't show up for the hearing, so I won by default. Haven't applied for another CC with that issuer yet.
I can see for miles is offline  
Old Oct 22, 2014, 3:57 pm
  #4029  
Suspended
 
Join Date: Nov 2009
Posts: 1,077
Originally Posted by uncommonsensical
as i have stated before, i am stunned it lasted as long as it did given that there is no way to 'get a good deal' on cash! vs buying delta points at a very low rate, for example. wildly unprofitable for amex, and with people doing 6 figures/month, ummm... duh.

that said, by not getting the card for said reason, i left a LOT of $ on the table. the guys who got $5k+/month for a year- pretty hard to argue that they made a mistake!

anyway, i don't care what the T&C say, i don't think amex can take your cash earned. the timing relative to statement dates, i'd argue, was planned to avoid payment. at small amounts, i'd (and i'd suggest) drop it. but, if you were a big hitter with several surrogate accounts with 10's of 1000's outstanding- i'd fight it. their argument will be you bought gift cards. good luck with that, amex....

amex pays rewards for gift cards they sell and market aggressively- AGC's. so the issue here is that they're ok with you buying gift cards- but only if they are sold by Amex- not by competitors.

finally, cash equivalent? hand a VGC to amex and court and ask them to exchange it directly for cash. given an extra step to sell/convert it, EVERYTHING you buy is a cash equivalent. an iphone, would be a fine example. the US government (currently) does not define a debit card as a cash equivalent. heck, go to an unfriendly walmart and make a video being shot down trying to get cash, buy a MO, etc.

finally, if you want to do some good, bring down the blogs in the process. tell them that you learned about doing this from a blog that, right on its front page, says it has a financial relationship with amex! perhaps bring a life size cut out of Emily standing next to a gift card rack!

quick example, first on goog search:

http://millionmilesecrets.com/2013/0...-points-cards/

advertising partner. hmmm. entrapment. treble damages?

amex has bloggers pimping their cards with MS as the reason to apply for and use the cards. they pay these bloggers richly to do so. close the cards- ummm, ok, whatever. steal the rewards? idts
.
Seconded and excellent idea!!!!
Rommie2k6 is offline  
Old Oct 22, 2014, 4:03 pm
  #4030  
 
Join Date: May 2014
Posts: 8
Yesterday I called in to PC my BCE to a BCP. Before I did it, I asked if there was any way I could PC to an old blue cash instead. The representative knew what I was talking about, but said she couldn't because that was 'being phased out.'

At the time I didn't think much of it, but in light of today's events, it might suggest they are actually shutting down this card. Makes me feel less bad when I applied for the old blue cash yesterday and got rejected, though.
torcen is offline  
Old Oct 22, 2014, 4:10 pm
  #4031  
 
Join Date: Sep 2014
Posts: 109
Moderation and variety are the spices of life.
rooney is offline  
Old Oct 22, 2014, 4:16 pm
  #4032  
 
Join Date: Sep 2013
Posts: 882
Originally Posted by rooney
Moderation and variety are the spices of life.
I thought they were s*x and liquor, but that works too
coltonatx is offline  
Old Oct 22, 2014, 4:16 pm
  #4033  
 
Join Date: May 2013
Programs: DL PLT, AS 75k, AA Exec Plat
Posts: 391
Originally Posted by LoveMountains
+1

The same here.

AMEX is going after wives.
Marital status AND sex discrimination?!?!?!?! Totally lawsuit time, amirite??!!!
floressalicis is offline  
Old Oct 22, 2014, 4:27 pm
  #4034  
 
Join Date: Oct 2013
Posts: 252
Originally Posted by JimR1998
I haven't done any MS spending for over a week, so that didn't trigger it today.
CVS killing VRs didn't do it, nor AP dying, but BC dying, and JimR1998 has made multiple posts in the same day! LoL
andres17 is offline  
Old Oct 22, 2014, 4:37 pm
  #4035  
 
Join Date: Oct 2013
Posts: 252
Forgot to mention I like the symmetry of this thread. First post at the beginning by silverxxxx and fist post of the end by the same guy. Did AMEX track you down, and kill you first to make a point?
andres17 is offline  

Thread Tools
Search this Thread

Contact Us - Manage Preferences Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service -

This site is owned, operated, and maintained by MH Sub I, LLC dba Internet Brands. Copyright © 2024 MH Sub I, LLC dba Internet Brands. All rights reserved. Designated trademarks are the property of their respective owners.