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Established Contributor
Posts: 559
Registered: ‎08-31-2007


any members on this board have both cards?


I curently have the BCE (a PC from AMex Delta since 2008).


I have no charge cards and thinking in terms of diversity this may be the way to go..



Total Overall Credit Limit- $325k
Established Contributor
Posts: 792
Registered: ‎08-30-2011


[ Edited ]

Yes I have both, well BCP.  I'm going to close the Zync when the AF hits.  But I need to figure out what to do with the 15,000 some odd points I got from the sign up promo.  I  also got the first year AF waived for the Zync.


I really see no need for the Zync, I just use it at walmart for the double eco points.

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Frequent Contributor
Posts: 352
Registered: ‎07-13-2012


i have the bcp and the zync. the zync is basically for my phone bills, cable and internet. While the BCP is mainly for everything else. 

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703
Frequent Contributor
Posts: 450
Registered: ‎04-26-2012


I have the BCP and Green combination instead. I'm kind of confused Smiley Sad I had expected to use the Green for everything to rack up points. But the BCP's cashback is exerting a strange power on me that I had never expected. Othertimes, I ask myself why I have the two (I pay both in full, so the charge card utilization aspect isn't material for me).

PenFed Platinum Cash Rewards (19.5k), American Express Blue Cash Preferred (18k), Chase Sapphire Preferred (14k), Discover More (10k)
Valued Contributor
Posts: 2,288
Registered: ‎09-16-2011


[ Edited ]
Premier Rewards Gold Card is the card that looks interesting to me, free for the first year. and better rewards if for most things. But I do have the Zync and the plain blue card. Thinking about the rewards gold if I get this job i'm up for it will require traveling every week. 

,and you can downgrade to zync next year. 



Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 12k Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5k, Walmart 10k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 10k and a nice stack of store cards.
Last APP/HP 4/22/2015

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