@longtimelurker wrote:
@k-s wrote:
@longtimelurker wrote:Hi, looking for info on Amex policies. I have a BCP, with another AF due in Feb, and I want to downgrade (because of my new shiny Blue Cash) to BCE. I assume I can do this once the AF hits and get the AF refunded, but wanted to check.
You can also use the online chat feature to do a PC.
Yes, sorry, should have explained. I want to use this card for as long as possible without having to pay another AF. So I don't want to PC now (they offered that when I called about the Blue Cash). Not really all that important, since my current card is 5% and this is 6%, but hey, someone has to maximize rewards!
You can PC from any annual fee card to a $0 annual fee card. PC right before you have to pay the annual fee. Which isn't that high for a 6% cash back card.
@longtimelurker wrote:
@GaTech wrote:
@longtimelurker wrote:
@k-s wrote:
@longtimelurker wrote:Hi, looking for info on Amex policies. I have a BCP, with another AF due in Feb, and I want to downgrade (because of my new shiny Blue Cash) to BCE. I assume I can do this once the AF hits and get the AF refunded, but wanted to check.
You can also use the online chat feature to do a PC.
Yes, sorry, should have explained. I want to use this card for as long as possible without having to pay another AF. So I don't want to PC now (they offered that when I called about the Blue Cash). Not really all that important, since my current card is 5% and this is 6%, but hey, someone has to maximize rewards!
You can PC from any annual fee card to a $0 annual fee card. PC right before you have to pay the annual fee. Which isn't that high for a 6% cash back card.
My question is the meaning of the bolded bit. The fee will appear on my Feb statement, so I guess the question is: Once the fee appears, can I PC then and not pay the fee?
The $75 isn't high for a 6% cash back card, but enough to make the worth negative compared to the 5% cards (because of the cap)
None of the 5% cash back cards let you spend more than $1500 in that category.
Therefore the $6000 cap with BCP is superior to Discover IT, Chase, US Bank Cash+, ect.
Cancel your card before February statement cuts.
@longtimelurker wrote:
@GaTech wrote:
@longtimelurker wrote:
@GaTech wrote:
@longtimelurker wrote:
@k-s wrote:
@longtimelurker wrote:Hi, looking for info on Amex policies. I have a BCP, with another AF due in Feb, and I want to downgrade (because of my new shiny Blue Cash) to BCE. I assume I can do this once the AF hits and get the AF refunded, but wanted to check.
You can also use the online chat feature to do a PC.
Yes, sorry, should have explained. I want to use this card for as long as possible without having to pay another AF. So I don't want to PC now (they offered that when I called about the Blue Cash). Not really all that important, since my current card is 5% and this is 6%, but hey, someone has to maximize rewards!
You can PC from any annual fee card to a $0 annual fee card. PC right before you have to pay the annual fee. Which isn't that high for a 6% cash back card.
My question is the meaning of the bolded bit. The fee will appear on my Feb statement, so I guess the question is: Once the fee appears, can I PC then and not pay the fee?
The $75 isn't high for a 6% cash back card, but enough to make the worth negative compared to the 5% cards (because of the cap)
None of the 5% cash back cards let you spend more than $1500 in that category.
Therefore the $6000 cap with BCP is superior to Discover IT, Chase, US Bank Cash+, ect.
Cancel your card before February statement cuts.
But inferior to the uncapped cards 5x TYP which is what I have, and the Blue Cash, which is what I am getting.
TY points aren't that valuable as cash back.
and the old Blue Cash card will NEVER yield 5% since you have to spend at least $6,500 in the special categories (yielding only 1% or .5%).
therefore the BCP is still a superior card. For the thrift spenders and the heavy ones.