Amex BCE question

[CreditRookie22]

I recently got the amex bce and am wondering if in order to hit my $100 cash back bonus, do I need to let my statement cut with a balance or can I pif before statement cuts. Or will whatever amount of money I use throughout be used as money I spent even if I didn't let a statement report with a balance??
Thank u for your time.

[SunriseEarth]

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@CreditRookie22 wrote:
I recently got the amex bce and am wondering if in order to hit my $100 cash back bonus, do I need to let my statement cut with a balance or can I pif before statement cuts. Or will whatever amount of money I use throughout be used as money I spent even if I didn't let a statement report with a balance??
Thank u for your time.

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The bonus refers to the spend you put on the card, not the balance you let post.  PIF will have no effect on your sign-up bonus.  

[CreditRookie22]

That's all I needed to know, thank you very much

[CreditRookie22]

Also, when I redeem my bonus offer, do I need to have a balance reporting. I guess it will deduct the $100 bonus from my current balance, correct??

[Genkeim]

Yes you can use it as a statement credit. It won't count as your monthly payment however, it'll just reduce your balance.

[CreditRookie22]

What if I don't have a balance at the time. Should I use $100 to pay for something, then redeem the $100 bonus so my balance will be 0?

[SunriseEarth]

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@CreditRookie22 wrote:
What if I don't have a balance at the time. Should I use $100 to pay for something, then redeem the $100 bonus so my balance will be 0?

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You have to request it be credited.   Just make your normal purchases and request when you need it.  

[Genkeim]

Yeah you can just let it accumulate. Save it for when you need it, don't think there's any kind of time limit on when you can use it.

[longtimelurker]

There is also no problem in having it credit to your account creating a negative balance.   Then, either future charges will reduce the negative amount, or, if you are not using the card, you can request Amex to send you a check.   They just did this for me.

[CreditRookie22]

Hey guys, I have one more question. When will my rewards dollars post. I've already hit my $1,000 spend?