Credit Cards Center Credit cards from our partners
Reply
Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
0

Re: AMEX BCE vs Costco?

BCE isn't elementary looking!
It's sexxxyy... I like the holographic, detailed clear look though.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
Posts: 374
Registered: ‎02-10-2013
0

Re: AMEX BCE vs Costco?


youngandcreditwrthy wrote:
BCE isn't elementary looking!
It's sexxxyy... I like the holographic, detailed clear look though.

It isn't elementary looking, but it feels VERY flimsy and cheaply made Smiley Sad

As of 1/10/2014 EX FICO - 748. EQ FICO - 728. Trans FICO - 755

WellsFargo - $3,000 AMEX BCE - $18,000 Chase Freedom - $4,000



Established Contributor
Posts: 573
Registered: ‎10-21-2012
0

Re: AMEX BCE vs Costco?

I guess I shop more than I thought as Costco since I spent enough to make the executive membership worthwhile but I do most of my shopping at Whole Foods.   I buy gas when I can at Costco but it's not exactly conveniently located so I'd say I get my gas there maybe 1/4 to 1/3 of the time.  So, maybe the BCE would be better.  



Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board


Take the FICO Fitness Challenge
Moderator Emeritus
Posts: 14,653
Registered: ‎12-30-2011
0

Re: AMEX BCE vs Costco?

BCE/P is an every day card for groceries / gas.

 

Costco, if you need restaurant and I think limited travel rewards, trends better.  I haven't penciled it out as I know my grocery bill is going to go way up and my restaurant bills will go down post mortgage, but right now the TE card would spank my BCP for me personally rewards wise... and I've already made my AF back and then some on the BCP only having it for four months.

 

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 693, EQ 8 714, TU 8 710, EX 8 724 (05/27/16)
Goal Score: 700 on EQ 04 (01/01/17)


Take the myFICO Fitness Challenge
Moderator
Posts: 27,204
Registered: ‎09-13-2012
0

Re: AMEX BCE vs Costco?

Lets not forget that the TE rate is 15.24, the BCE has that 'creditworthiness range' <sigh>
Regular Contributor
Posts: 151
Registered: ‎09-09-2012
0

Re: AMEX BCE vs Costco?


somnipotent wrote:

Also I believe your TrueEarnings "cash back" is a check cut to you for use at Costco whereas the BCE is Reward Dollars that can be redeemed as statement credit.

 

TE is 3% on Costco and standalone gas up to $4000 annually / BCE is 2%

BCE is 3% on groceries up to $6000 annually / TE is standard 1%

BCP is 6% on groceries...

 

And from what I hear the BCE/BCP/Blue cards are all pretty elementary looking.  I'm weird like that, I like the look of my cards as much as I do their rewards and credit limits Smiley Happy

 

 

 


TE does not earn 3% on Costco purchases other than gas, unless you have the Executive membership.

 

TE Rewards breakdown:

 

Gold Membership: 3% Gas (including Costco gas), 2% Travel, 2% Dining, 1% Everything else (this includes Costco non-gas purchases)

 

Executive Membership: 3% Gas (including costco), 3% Costco purchases (1% + 2% executive rewards for costco purchases), 2% Dining, 2% Travel, 1% Everything else

Age: 23 | FICO: TU 774, EQ 754, EX 776 | FAKO: TU 778, EX 769 | Garden: 6/26 | Total History: 6yr 4mo | AAoA: 3yr 0mo | Util: 1%
........24000...............4000.....................6000................7000................500..................5000................13500...............10000
Frequent Contributor
Posts: 367
Registered: ‎06-02-2008
0

Re: AMEX BCE vs Costco?

I was referring to Costo GAS purchases.


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
Regular Contributor
Posts: 151
Registered: ‎09-09-2012
0

Re: AMEX BCE vs Costco?


somnipotent wrote:

I was referring to Costo GAS purchases.


Gotcha Smiley Wink

Age: 23 | FICO: TU 774, EQ 754, EX 776 | FAKO: TU 778, EX 769 | Garden: 6/26 | Total History: 6yr 4mo | AAoA: 3yr 0mo | Util: 1%
........24000...............4000.....................6000................7000................500..................5000................13500...............10000
Epic Contributor
Posts: 28,396
Registered: ‎10-23-2007
0

Re: AMEX BCE vs Costco?

Now that I have gotten my partner to get both I can tell you:

Currently Costco is running a promo if you are an Executive member and apply for the Costco Amex I think Personal is giving $50 Cash Bonus and Business $75.

Now, Blue Cash Preferred pays for itself up to max a year for grocery but after that I think and I'm shocked to say with a closer look, Costco is better for Gas and Restaurant.

Blue does kick in the Department store.

I may have left the garden 06/20/2016 Smiley Tongue
Partner Joined Garden 04/11/2016
Established Contributor
Posts: 846
Registered: ‎09-12-2011
0

Re: AMEX BCE vs Costco?

I have both and I use them both, so I recommend you get both of them.  Smiley Tongue   I like the Costco TE for the 3% on gas and the 2% on dining.  I like the BCE for the 3% on groceries and 2% on dept stores.

FICOs: TU08 842 EQ08 817 EX08 825 6/23/16 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Costco Visa $19.3K; Citi Double Cash $13.5K; Citi Simplicity Visa $23.3K; Discover IT $50K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $35.9K; Sallie Mae WMC $17.5K; Sears MC $10.1K; US Bank Cash+ Visa Sig $26K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.