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American Express Blue Cash Everyday/Preferred Offers ($150/$250 signup bonus; YMMV)

GeoffreyN 754 471 February 12, 2013 at 01:44 PM in Finance (4)
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Last Edited by GeoffreyN February 12, 2013 at 02:39 PM
I've been checking this site occasionally to see what new credit card offers show up.

https://www.creditcards.com/cardmatch

Today I received an offer for, applied, and was approved for what is the best yet (non-targeted)
Quote :
Blue Cash Everyday offer:

$150 bonus cashback with $500 spend in 3 months
15 months of 0% purchase apr, then 12.99%

This card has no annual fee and 3% cashback on groceries (first $6000 annually - meaning a maximum of $180).
I also received the following
Quote :
Blue Cash Preferred offer:

$250 bonus cashback with $1000 spend in 3 months
15 months of 0% purchase apr

This card has a $75 annual fee (probably not waived first year), and 6% cashback on groceries (first $6000 annually - meaning a maximum of $360).
You can redeem reward dollars for statement credits in increments of $25 whenever your total available reward dollar balance is $25 or more.

Worth checking if you're interested in these offers:
https://www.creditcards.com/cardmatch
DO NOT enter SSN, just name and address.

You may need to click on the offer link multiple times, I keep getting "Amex cannot find the page you're looking for" or similar messages.
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Last Edited by 1dash1 February 13, 2014 at 05:24 PM
to check credit limit, call 1-866-314-0237, press 1 then enter last 4 digit of SSN and zip code.

offers are
Earn 250 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership
Get 6% cash back at U.S. stand-alone supermarkets, 3% cash back on gasoline at U.S. stand-alone gas stations and select major department stores; 1% cash back on other purchases
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit
The first $6,000 of purchases at U.S. stand-alone supermarkets in a calendar year qualifies for 6% cash back; 1% thereafter
Cash back is earned only on eligible purchases
Simple and Straightforward: With the Blue Cash Preferred Card, you can start earning cash back. No rotating reward categories. No enrollment required
$75 annual fee
Terms and Restrictions Apply.

Earn 150 Reward Dollars after you make $500 in purchases in the first three months of Cardmembership
Get 3% cash back at U.S. stand-alone supermarkets, 2% cash back on gasoline at U.S. stand-alone gas stations and select major department stores; 1% cash back on other purchases
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit
The first $6,000 of purchases at U.S. stand-alone supermarkets in a calendar year qualifies for 3% cash back; 1% thereafter
Cash back is earned only on eligible purchases
Simple and Straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required
No annual fee, 0% intro APR on purchases for 15 months, then a variable APR, currently equal to 12.99%, with flexibility to pay over time
Terms and Restrictions Apply.

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If Creditcards.com doesn't match you with the specific offers (possibly because you have one or more existing AmEx cards, even though they are not these particular cards), you can try the following trick:

1) You'll need to find someone and get their permission to do this trick, preferably someone with few or no existing American Express card accounts.
2) Fill in the form with that someone's information and complete the registration process at https://www.creditcards.com/cardmatch. Do this in the incognito/private mode browser. (You could also try using a different browser or clearing your cookies.)
3) After completing the registration, the results should be posted on a Card Matches page. Scroll down the list of general credit card choices. Click the Apply Now link to select the card that you want.
4) You'll be linked to the specific card offer. However, the offer will be pre-filled in with the name of the person that you registered under Creditcards.com and you can't change the name. (Not yet, anyway Wink)
Now comes the trick.
5) Wait. DO NOT CLOSE THE BROWSER! The link only works from the browser that the creditcards.com search was run from due to cookies. If you try to access it from anything else, you will get an error.
6) After a period of time (20 minutes to several hours), the specific card offer page will go blank with a "SESSION EXPIRE" message. Depending on which web browser you used, either:
a. In the same browser, click on the 'Apply Now' button again from the Card Matches page. The specific card offer application form should be blank and you can now proceed to fill it all in with your info; or
b. From the "SESSION EXPIRE" page, hit the back button to return back to the specific card offer page (hit the refresh button, if prompted). Note: You may need to hit the back button more than once to return to the specific card offer page. The application form should now be blank and you can fill it in with your personal information.
c. If the form isn't blank, then keep on waiting (without refreshing your original browser) and try steps 6a or 6b again. Waiting times vary.
Note: This trick only works if that "someone" you get permission from is eligible for the offer. It's like taking advantage of someone else's targeted offer. And as always, YMMV.

Thanks to Phonic for this tip. http://slickdeals.net/forums/showpost.php?p=64976344&postcount=527

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AMEX has a 3x Credit Limit Increase (CLI) policy (up to 25k total exposure with a soft pull only) after the 61 day of approval. If denied you must wait 90 days for another try. Try to put decent usage and a couple big payments to get the CLI. Go to myfico forums or creditboards for more info. I tripled my initial limit without a hard pull.

If anyone isn't sure about which card better meets their spending habits, here's a spreadsheet where you can plugin your annual spend for different categories and you can see which card will give you the biggest benefit (Blue Cash Everyday/Blue Cash Preferred/Costco TrueEarnings/Sallie Mae Rewards).

Input spending in the bottom fields, you'll see the middle fields change to reflect the cash back in each category, and the yellow fields will show you your total cash back taking into account the annual fee on the Blue Cash Preferred. The calculations include annual spending caps (e.g. 6% on $6k groceries, then 1%).

655 Comments

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#31
Quote from upallnight312 View Post :
Incorrect, the $6000 cap was instituted this year on groceries alone. You still get unlimited 3% cash back on gas and department stores. 1% on everything else. This card was better last year, but last year only had a $150 sign up bonus.
Don't have this card myself, was just explaining what someone else said.
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#32
Are there better offers then this that pop up from time to time? Or is 250 / 1000 the standard that people usually get?
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#33
Anyone else having trouble getting through? The link for the Preferred Blue Cash keeps directing to an error page. 40 minutes of trying now, about 50 attempts.
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#34
Quote from haneyg View Post :
Anyone else having trouble getting through? The link for the Preferred Blue Cash keeps directing to an error page. 40 minutes of trying now, about 50 attempts.
SD effect
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#35
Your Card Approval!
$150 welcome bonus
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#36
Just making sure, the $500 in purchases is not restricted in any way, right? You can spend $500 anywhere u want.
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#37
Damn, just got approved for BCE last week Frown
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#38
Chatting with a representative, doesn't seem like they are willing to waive the annual fee.
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#39
Quote from TheOldinOut View Post :
Can anyone confirm that the $75 annual is waived or not for the Amex Blue Cash preferred card? Thanks!
if they still ask for a $75 annual fee this card is no good, that $6000 limit sucks your earnings are really 5%
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#40
Damn, I just signed up for the BCE on Jan 21st...
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#41
Quote from FrozenBiker View Post :
I did the BCE offer ($500/3 months) in December. No problems at all.
hmm, can't believe I missed that. $2K req for $500 bonus?
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#42
Quote from Garzilla84 View Post :
Chatting with a representative, doesn't seem like they are willing to waive the annual fee.
Amex hardly ever waives annual fees.
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#43
Quote from afeef745 View Post :
Just making sure, the $500 in purchases is not restricted in any way, right? You can spend $500 anywhere u want.
Yep - just be careful if you're trying to be cute and doing stuff that may get coded as cash equivalents in order to meet spend (aka funding brokerage account, bank account, etc) and get hit with fees.

Quote from niceguywi View Post :
Are there better offers then this that pop up from time to time? Or is 250 / 1000 the standard that people usually get?
$250 is about as high as I've seen this particular card.

Quote from GeoffreyN View Post :
It may be hard to find someone to answer that since these are both recent products. The application does say this, however:

Implying you are eligible for the bonus if you opened the BCE more than 90 days ago. It doesn't specify that you need to close your other open card, so you should receive it if you're approved, IMO, but perhaps you should secure message AMEX before applying.
Amex is generally pretty good if you SM them. But, as with past offers, you generally do not qualify for a bonus if you have a card in the same family, or have had one in the last 90 days. So groupings like charge family, zync/green/gold/plat, and biz/gold biz, and blue cash/blue cash express/blue cash preferred etc are problematic. Reps have been known to interpret the 90 day rule like you have, as in from last app, but there are plenty on FT that have been denied for same family too. This is definitely YMMV if you have another of the same credit family.

Quote from GeoffreyN View Post :
My guess is any of the main grocery store chains, and independently owned ones qualify, e.g., Giant, Safeway, C-Town.

I'm pretty sure the phrasing is meant to exclude Walmart, Costco, Target, and similar superstores/wholesalers where people buy groceries also.
This all depends how the register is coded. It is even about which section the register is in. You just got to go in and test the various kinds with dummy purchases. At my local super walmart, self checkout no, regular checkout no, pharmacy yes, customer service desk no. Other people have reported similar situations with Target in terms of coding. I have not seen any reports about Costco ever reporting at 5-6% however.
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#44
Oh crap I accidentally used my SSN for https://www.creditcards.com/cardmatch - is that ok? What should I do now?
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#45
Do they have a member mall thing? Where you can earn additional points just by going through the website?
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