Last edit by: ChrisFlyer66
This thread includes all posts for 2016 onwards. The previous 2013- 2014 megathread is here. The 2015 thread is here.
This card is no longer available to new applicants!
Bonus category spending is now capped at $50,000 per year.
Oct 22, 2014 onwards: Many people getting cancellation email from Amex.
Amex may continue to close accounts for excessive spend in bonus categories. 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.
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.
Excessive MS on this card may sever your ties with Amex. Consider factors that may have led to these closures when sharing personal experiences.
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 $6,500¹ spend in a reward year², you will earn 1% on Everyday Purchases³ (5% after 6500⁴), 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)
¹ First '$6,500' is spend on all purchases.
³ 'everyday purchases' refers to U.S. supermarkets, U.S. gas stations & select U.S. drugstores, not all purchases.
⁴ 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.
This card is no longer available to new applicants!
Bonus category spending is now capped at $50,000 per year.
Oct 22, 2014 onwards: Many people getting cancellation email from Amex.
Amex may continue to close accounts for excessive spend in bonus categories. 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.
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.
Excessive MS on this card may sever your ties with Amex. Consider factors that may have led to these closures when sharing personal experiences.
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 $6,500¹ spend in a reward year², you will earn 1% on Everyday Purchases³ (5% after 6500⁴), 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)
¹ First '$6,500' is spend on all purchases.
³ 'everyday purchases' refers to U.S. supermarkets, U.S. gas stations & select U.S. drugstores, not all purchases.
⁴ 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.
Old Amex Blue (2016 onwards)[not taking new applications]
#196
Join Date: Apr 2010
Posts: 342
I believe the points were clawed back because of folks using a link they were not supposed to use, not because of MS.
#197
Join Date: Oct 2014
Posts: 827
#199
Join Date: Sep 2012
Posts: 4,431
There's talk on reddit that this card may be automatically converted to Blue Cash Everyday. I haven't received any notification of this. Have any of you?
https://www.reddit.com/r/churning/co...eryday_due_to/
https://www.reddit.com/r/churning/co...eryday_due_to/
#200
Join Date: Jan 2013
Location: LAX, SNA
Posts: 359
Has anyone had their card converted? I checked the benefits terms for my card on the website and it didn't list any regarding the cash back percentage, while my other Blue Cash cards do have that information. I never received a letter in the mail.
#205
Join Date: Dec 2009
Location: EWN/OAJ/RDU/ILM (Formerly BTV)
Programs: HH D i a m o n d !!!
Posts: 356
Over the weekend a phone rep mentioned that they were phasing-out the OBC. He didn't give any timeframe and I'm kicking myself for not asking.
In spite of saying they're phasing it out, he was still able to take new applications (although I did not apply).
In spite of saying they're phasing it out, he was still able to take new applications (although I did not apply).
#206
Join Date: Feb 2016
Location: Northeastern United States
Posts: 597
If I had a dime for every Amex CSR that gave me bad information about changes to a product or program......let's just I wouldn't need to MS
#208
Join Date: Sep 2016
Posts: 8
Hi All,
I was able to finally get out of Financial review for this card after a month and ready to start churning again. Feel free to PM me for details on how to get out that whole mess.
Right now, as it seems, this is the best 5% CB card out there despite the $50,000 cap. I know WF has a 5% CB card, but it's only 5% CB for 6 months. Even when I look at this thread http://www.flyertalk.com/forum/credi...what-they.html, nothing seems to beat this card.
Let me know if you guys know of any other cards.
I was able to finally get out of Financial review for this card after a month and ready to start churning again. Feel free to PM me for details on how to get out that whole mess.
Right now, as it seems, this is the best 5% CB card out there despite the $50,000 cap. I know WF has a 5% CB card, but it's only 5% CB for 6 months. Even when I look at this thread http://www.flyertalk.com/forum/credi...what-they.html, nothing seems to beat this card.
Let me know if you guys know of any other cards.
Last edited by LiquidAssets; Nov 20, 2016 at 12:54 pm
#209
Join Date: Jan 2016
Posts: 90
Hi All,
I was able to finally get out of Financial review for this card after a month and ready to start churning again. Feel free to PM me for details on how to get out that whole mess.
Right now, as it seems, this is the best 5% CB card out there despite the $50,000 cap. I know WF has a 5% CB card, but it's only 5% CB for 6 months. Even when I look at this thread http://www.flyertalk.com/forum/credi...what-they.html, nothing seems to beat this card.
Let me know if you guys know of any other cards.
I was able to finally get out of Financial review for this card after a month and ready to start churning again. Feel free to PM me for details on how to get out that whole mess.
Right now, as it seems, this is the best 5% CB card out there despite the $50,000 cap. I know WF has a 5% CB card, but it's only 5% CB for 6 months. Even when I look at this thread http://www.flyertalk.com/forum/credi...what-they.html, nothing seems to beat this card.
Let me know if you guys know of any other cards.
Time has turned your statement into the truth.
#210
Join Date: Jan 2010
Programs: Hilton Diamond, Marriott/SPG Platinum
Posts: 496
I found if we pay Amex as quickly as we can right after each purchase, Amex is fine with it. It just doesn't want to be left holding the bag when folks spend quickly and have a large outstanding balance