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).
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 logic includes 1% cash back on grocery spending over $6000.
This doesn't account for the sign-up bonus since it's a one time event, and it doesn't include the cost of a Costco membership in the Costco card calculations, since a Costco membership is your choice to begin with.
Does anyone know for the Blue Cash Everyday when do you get your reward dollars( cashback ) ? Is it after each bill statement or every 1 year after signup. Also if you have $71 in rewards dollars, can you redeem all $71 for statement credit or is it only in $25 Increments ( $50 statement credit + $21 left over )? I know that they might have changed it recently, if someone with recent knowledge could respond.
I have had this card for a year (preffered). I cash in every month for either $50 or 75. My mom also has the card and she holds her cash as a christmas savings. We are a family of three that coupons. Last year we spent $5000 at "grocery stores". The amount was only that high because I also buy gas cards at the grocery store (grocery promotion). In total I cashed out for $675 in the first year (not including the bonus I got for $150 and $75 for referring my mom). If you deduct the $75 annual fee, I still made $600 not including bonuses. This year I plan on doing better since I will max out the $6000 limit by being smarter with the gift cards. Also, websites like vitacost.com qualify for the 6%. I love the card and its my primary card because I HATE rotating categories (I have enough stuff to remember). HTH
has anyone gotten $250 on the BCE? How long ago was that? I want to pull the trigger since it seems like $150 is the best deal for the past two years.
I got 250 offer on BCE 2 days back, the letter says the RSVP code will expiry by 21st March.
I am going to wait till last day before pulling the trigger. Last time with Chase freedom I pulled the trigger quickly after receiving $200 offer and later I got $300 offer on the same.
I have received 250 offer on BCE, it looks like best offer on BCE so far. Any one has received better than this?
Last edited by James1221; 02-12-2013 at 07:44 PM..
Reason: Automerged Doublepost
Are there better offers then this that pop up from time to time? Or is 250 / 1000 the standard that people usually get?
This average deal. In Dec of last year there was 250/1500 for Discover and the NFL 400/first purchase. If you fly there was 50k/first purchase for Southwest. No doubt there will be better deals and it depends on whether you are choosy or not. For this particular card I would not count on a better offer, but who knows?
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