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 Mar 25, 14, 3:21 pm
  #1471  
 
Join Date: Feb 2012
Location: Los Angles
Posts: 2,101
Originally Posted by dajoip
How big of a red flag would it be to buy several thousand $$s worth of VRs to get a good jump on the $6,500 right off the bat? I don't have too many AMEX cards, so I'm not as familiar with their policies as I am with Chase/Citi/etc.
This one is 5% after $6500 every year! keep it for a long haul

Originally Posted by oohaahouch
Oh you started the wiki ... you get the bragging rights
Whats wrong with U?
prasha11 is offline  
Old Mar 25, 14, 3:54 pm
  #1472  
 
Join Date: May 2013
Location: AZ
Programs: AA, UA, US
Posts: 525
Originally Posted by prasha11
This one is 5% after $6500 every year! keep it for a long haul


Whats wrong with U?
side affects of FR
pissing everyone off .. naah just kidding ^
oohaahouch is offline  
Old Mar 25, 14, 4:17 pm
  #1473  
 
Join Date: Jan 2008
Location: LAS
Programs: DL PM, UA PS, Hyatt Globalist, Marriott Titanium
Posts: 4,904
Anyone here have an old green Amex Cash Rebate? Was helping a relative of mine with his card portfolio and noticed that card had the exact same earning structure as this.
amolkold is offline  
Old Mar 25, 14, 5:22 pm
  #1474  
 
Join Date: Jun 2004
Programs: AA Gold
Posts: 190
Have no idea why people enjoy going out with a bang instead of slowly ramping up. One has to ask oneself, " Do I feel lucky today?" Especially when one has a good and long-term relationship with Amex...

True, there is no "known" AA yet as a result of FR (does not mean that it did not happen). So go ahead and celebrate as if there is no tomorrow.
Henry II is offline  
Old Mar 25, 14, 5:52 pm
  #1475  
 
Join Date: Jun 2009
Location: DFW
Posts: 454
Originally Posted by dajoip
How big of a red flag would it be to buy several thousand $$s worth of VRs to get a good jump on the $6,500 right off the bat? I don't have too many AMEX cards, so I'm not as familiar with their policies as I am with Chase/Citi/etc.
My unofficial thought is - if you're doing high levels of VR's with them or have had an FR, you will be fine. If this is your first card, you're at high risk of FR to start heavy.

If you have nothing to hide, I'd suggest going ahead and hitting it hard and getting that FR out of the way.
horseymen is offline  
Old Mar 25, 14, 5:54 pm
  #1476  
 
Join Date: Feb 2014
Location: PHL
Posts: 930
Originally Posted by Henry II
Have no idea why people enjoy going out with a bang instead of slowly ramping up. One has to ask oneself, " Do I feel lucky today?" Especially when one has a good and long-term relationship with Amex...

True, there is no "known" AA yet as a result of FR (does not mean that it did not happen). So go ahead and celebrate as if there is no tomorrow.
It would be in your best interest to not ramp up spend, but rather to go hard in the beginning.
commdiver is offline  
Old Mar 25, 14, 6:18 pm
  #1477  
 
Join Date: Dec 2010
Location: Los Angeles, CA
Posts: 58
I have been doing my fair share of MS on my Amex card over the last couple weeks, just about 11-12k so far.

I have another couple of weeks to go before my billing cycle ends, and I am probably going to do another 10-15k in MS.

I have a 20k credit limit btw. Been a cardholder for over a decade.
IBJanky is offline  
Old Mar 25, 14, 6:46 pm
  #1478  
 
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 5,683
I agree. It's best to go all in. If you're going to get hauled in for the FR, you might as well have done something worth mentioning.
Majuki is offline  
Old Mar 25, 14, 6:49 pm
  #1479  
 
Join Date: Feb 2014
Location: PHL
Posts: 930
Originally Posted by Majuki
I agree. It's best to go all in. If you're going to get hauled in for the FR, you might as well have done something worth mentioning.
This.

Assuming you were honest on your CC application, once you complete the FR, they will most likely not bother you again because they have checked the "we made sure this guy is probably not money laundering" box for the regulator.
commdiver is offline  
Old Mar 25, 14, 7:07 pm
  #1480  
 
Join Date: Oct 2012
Posts: 207
Originally Posted by cyclotron
We sent in the paperwork recently. So awaiting the decision
UPDATE: Passed FR with no harm. All accounts reactivated.
cyclotron is offline  
Old Mar 25, 14, 7:16 pm
  #1481  
 
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 5,683
Originally Posted by cyclotron
UPDATE: Passed FR with no harm. All accounts reactivated.
Thanks for the update, and I'm glad everything came through. ^ Now we're just waiting on the outcome of oohaahouch's FR.
Majuki is offline  
Old Mar 25, 14, 7:40 pm
  #1482  
 
Join Date: Sep 2013
Location: Warm, sunny Florida
Posts: 251
Wish I could get AmEx to FR me. Would stop being so cautious with this card, hah.
nuclfusion is offline  
Old Mar 25, 14, 7:45 pm
  #1483  
FlyerTalk Evangelist
 
Join Date: Aug 2011
Location: Austin, Texas
Programs: Airline nobody. Sad!
Posts: 26,062
Originally Posted by nuclfusion
Wish I could get AmEx to FR me. Would stop being so cautious with this card, hah.
As long as your applications are truthful (or really as long as your income is greater than or equal to whatever you listed), the only inconvenience with an FR is the temporary shutdown while the review occurs, the mild chance of a reduced CL, and the very slim possibility that they shut you down. But as long as you're working on the up and up, only the temp shutdown is an issue.
TheBOSman is offline  
Old Mar 25, 14, 7:56 pm
  #1484  
 
Join Date: Feb 2014
Location: PHL
Posts: 930
Has anyone ever been FRed twice? I have never seen a post about that.
commdiver is offline  
Old Mar 25, 14, 7:59 pm
  #1485  
FlyerTalk Evangelist
 
Join Date: Aug 2011
Location: Austin, Texas
Programs: Airline nobody. Sad!
Posts: 26,062
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Last edited by TheBOSman; Mar 25, 14 at 8:08 pm
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