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AMEX BCE vs Costco?

Senior Contributor

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
Message 11 of 25
Frequent Contributor

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



Message 12 of 25
Established Contributor

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


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Message 13 of 25
Moderator

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 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Message 14 of 25
Moderator Emerita

Re: AMEX BCE vs Costco?

Lets not forget that the TE rate is 15.24, the BCE has that 'creditworthiness range' <sigh>
Message 15 of 25
Regular Contributor

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: 25 | FICO: TU 802, EQ 782, EX 801 | FAKO: TU 778, EX 769 | Garden: 6/2015 | Total History: 7yr 6mo | AAoA: 4yr 2mo | Util: 4%
........24000...............10000.....................6000................7000................500..................5000................18000...............10000
Message 16 of 25
Frequent Contributor

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
Message 17 of 25
Regular Contributor

Re: AMEX BCE vs Costco?


somnipotent wrote:

I was referring to Costo GAS purchases.


Gotcha Smiley Wink

Age: 25 | FICO: TU 802, EQ 782, EX 801 | FAKO: TU 778, EX 769 | Garden: 6/2015 | Total History: 7yr 6mo | AAoA: 4yr 2mo | Util: 4%
........24000...............10000.....................6000................7000................500..................5000................18000...............10000
Message 18 of 25
Epic Contributor

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.

Message 19 of 25
Established Contributor

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 850 EQ08 850 EX08 849

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex BCE $12K; BofA Visa $10.1K; BofA TR Visa $18K; 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 $50K; Sallie Mae WMC $17.5K; Sears MC $10.1K; US Bank Cash+ Visa Sig $26K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Message 20 of 25