AmEx Blue Preferred - Cash Back Start Over Date?

[kdm31091]

My point is that yes, it will still be there the next month but its a perpetual cycle where you will very likely never hit exactly 50, 75, etc in rewards. By design, youre basically forced to leave some rewards behind. I dont mind that much since my spend isnt huge, but it does sort of hurt the rewards rate if you cant ever redeem them all.

I may or may not keep it long term. But if I dont I will surely do the math and cash out every penny haha

[Open123]

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@kdm31091 wrote:
My point is that yes, it will still be there the next month but its a perpetual cycle where you will very likely never hit exactly 50, 75, etc in rewards. By design, youre basically forced to leave some rewards behind. I dont mind that much since my spend isnt huge, but it does sort of hurt the rewards rate if you cant ever redeem them all.

I may or may not keep it long term. But if I dont I will surely do the math and cash out every penny haha

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Sure, but further to Rev's point, assuming this doesn't violate your sense righteousness (not a violation of Amex's T&C), just buy Amazon, Gas card, or restaurant GCs you'll use to round up the redemption to $25.  

Cash out, close the card, done.

[kdm31091]

Well they gave me a 25 dollar credit when I upgraded so my fee is really only 50 this year. Ive also used about 25 bucks in amex offers. So my fee has been low. I have time to figure it out

[longtimelurker]

But forcing you to redeem multiples of $25 is "unfriendly", even Citi Dividend moved away from that, allowing redemption of any amount above the minimum.

[Revelate]

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@longtimelurker wrote:

But forcing you to redeem multiples of $25 is "unfriendly", even Citi Dividend moved away from that, allowing redemption of any amount above the minimum.

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It's an unsophisticated software implementation; wasn't arguing that... was simply suggesting in real world terms for "real" consumers it makes no difference.  

Possible they did it on purpose, wouldn't put it past someone thinking it was a good idea to make the system more complicated than it needed to be in hopes people wouldn't make full use of the rewards... with the recent VW issue I wouldn't put that sort of shennigans past folks, but it's rare that they'd go out of their way to do that from a software implementation perspective.

If I had to guess this thing was implemented years ago since the common demonination for GC's is $25 and they just did the easy thing and made that the minimum statement credit rather than developing two different systems.  Not a fan, but I can see where it evolved into the awkwardness that exists today with regards to statement credit.