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

GeoffreyN 753 471 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.

Community Wiki

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.

-----

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

-----

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%).

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Joined Jan 2013
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#646
So all the online everyday card applications I see are $150 bonus but only for new amex customers. So I called them and she said that she has the same offer but it only says that you cant have the everyday card earlier (and not the generic can't be an amex customer)

So I applied, lets see if I get the promo. So folks, you can just call and get the promo, no need for all the creditmatch drama.

Also, looking for some advice, I have an old amex blue cash card, I didnt convert that to everyday blue cash as I wanted the su bonus. But I dont want to cancel it either as that account it very old. Whats the best approach? I guess I just keep both for now and later cancel the everyday and convert the old blue cash to everyday? thanks
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#647
Quote from comeback View Post :
Also, looking for some advice, I have an old amex blue cash card, I didnt convert that to everyday blue cash as I wanted the su bonus. But I dont want to cancel it either as that account it very old. Whats the best approach? I guess I just keep both for now and later cancel the everyday and convert the old blue cash to everyday? thanks
Hope this helps:

Whenever you get a new Amex account, the MSD (member since date) will always reflect the year you first became an Amex card member - even if there was a period of time between having cards. This is a SUPER bonus, as this is the date reported for the age of the account to the credit bureaus, and very few people are aware of it. It's not always automatic - sometimes a glitch prevents it and you need to call and have them manually adjust it, but they will if they can verify you were a cardmember. While being an AU will start the clock, the MSD date benefit will only apply to primary cards - so if you become an AU on a new card, the MSD on your credit report will remain the current year, though the card itself will say the earlier one if applicable.

What this means is, if you had a card back in 1990 and opened up a brand new one today, the credit report will reflect an account open date of 7/1990. That's an extra 24 year AAoA bonus to your credit report/score. Note that the month will always be the accurate one. That could raise your score significantly depending on the individual report overall.

Thus, the way this works, your new card might actually have a better value to your report then the older one (though trivial at best). Let's say your first Amex was opened in November 2010 and you got this new one today. The first card would reflect an account open date of 11/2010, and the new one would show 7/2010 (four months earlier). So from that standpoint, it has a better AAoA effect even though it's brand new.

Other factors should be taken into consideration though, such as activity on the card, credit limit, etc.

Also remember that good stuff stays on your report for a long time (~7 years), so even if you close out an account, the age will still be a positive factor, though the credit limit will cease to have much impact.
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#648
Quote from phonic View Post :
Hope this helps:

Whenever you get a new Amex account, the MSD (member since date) will always reflect the year you first became an Amex card member - even if there was a period of time between having cards. This is a SUPER bonus, as this is the date reported for the age of the account to the credit bureaus, and very few people are aware of it. It's not always automatic - sometimes a glitch prevents it and you need to call and have them manually adjust it, but they will if they can verify you were a cardmember. While being an AU will start the clock, the MSD date benefit will only apply to primary cards - so if you become an AU on a new card, the MSD on your credit report will remain the current year, though the card itself will say the earlier one if applicable.

What this means is, if you had a card back in 1990 and opened up a brand new one today, the credit report will reflect an account open date of 7/1990. That's an extra 24 year AAoA bonus to your credit report/score. Note that the month will always be the accurate one. That could raise your score significantly depending on the individual report overall.

Thus, the way this works, your new card might actually have a better value to your report then the older one (though trivial at best). Let's say your first Amex was opened in November 2010 and you got this new one today. The first card would reflect an account open date of 11/2010, and the new one would show 7/2010 (four months earlier). So from that standpoint, it has a better AAoA effect even though it's brand new.

Other factors should be taken into consideration though, such as activity on the card, credit limit, etc.

Also remember that good stuff stays on your report for a long time (~7 years), so even if you close out an account, the age will still be a positive factor, though the credit limit will cease to have much impact.
thanks!
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Joined Dec 2003
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#649
Quote from comeback View Post :
thanks!
NP.

On a side note, this is why many people recommend applying for additional Amex cards in January, as it gives the best boost to account age. Applying just a day earlier (12/31) would result in a 12 month loss in account age.

Granted this applies more for people with minimal credit, or with a low AAoA already. If you have a good history, the benefits aren't as noticeable.
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#650
You can call them to get the $100 after $1000 in 3 months spend offer even if you are a current Amex offer.
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#651
I just got an offer for $250 after $1,000 in purchases after 3 months for the Blue Cash Everyday. So, no annual fee and $250... YMMV of course but worth trying to match. My offer expires Sept 16, but it was the second one I received (the other one expired August 28th or something)
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#652
Quote from holycow1 View Post :
I just got an offer for $250 after $1,000 in purchases after 3 months for the Blue Cash Everyday. So, no annual fee and $250... YMMV of course but worth trying to match. My offer expires Sept 16, but it was the second one I received (the other one expired August 28th or something)
Thanks for the info, I will try that and see how it goes (I dont have any hopes though) and I havent received any Amex offer in years. My score in 810 and I hardly get any CC offers in mail, the only ones I get are some strange bank that nobody has heard of, none from any of the big banks.
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Joined Jan 2013
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#653
Quote from comeback View Post :
Thanks for the info, I will try that and see how it goes (I dont have any hopes though) and I havent received any Amex offer in years. My score in 810 and I hardly get any CC offers in mail, the only ones I get are some strange bank that nobody has heard of, none from any of the big banks.
Tried calling and they just brushed me off.. and they dont even have that secure online message center any more, always had better outcome via that.
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#654
Cardmatch had a Amex gold rewards offer for me about 6 weeks ago...

Spend $1k, get $500 credit. I really wanted the blue cash preferred $250 offer, but jumped on the gold rewards offer... Will cancel eventually to get away from the $175 fee - really want the 6% at grocery stores mostly.

Anyway - since I jumped on that $500 offer, no nice cardmatch offers for me. This is the second time in a year I got a credit card for a $500 credit, never ever done it before.. (The other was Chase Sapphire)

My FICO is ~800, was over, but then after the recent Amex card, now just under.
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#655
Just received the Blue Everyday Cash offer for spend $500 in three months and receive $150 cash back. It's targeted and included a RSVP number.
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#656
Quote from holycow1 View Post :
I just got an offer for $250 after $1,000 in purchases after 3 months for the Blue Cash Everyday. So, no annual fee and $250... YMMV of course but worth trying to match. My offer expires Sept 16, but it was the second one I received (the other one expired August 28th or something)
Just got the same offer, man I planning for refinance and don't want to do a hard hit on my creditWink
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