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anyone have one of these cards (blue cash preffered card) ? rewards seem good, didnt know how hard it is to get? has a $75 annual fee tho
Probably one of the best rewards cards for families since it has 6% back at grocery stores. The $75 annual fee will be worth it if you spend enough on the card to compensate. There is also the free version with less rewards. I personally use it enough to more than compensate for the fee vs the free version, but depending on your spending patterns it might or might not work for you.
I originally got approved for the card about 3.5 years ago when it was just the "Blue Cash." Last time I checked my scores it was an EQ fico of 803 I believe. It is going to be more difficult to get than say the Zync, but I've heard AmEx approval standards aren't as stringent as they used to be.
Good luck!
@alph4 wrote:Probably one of the best rewards cards for families since it has 6% back at grocery stores. The $75 annual fee will be worth it if you spend enough on the card to compensate. There is also the free version with less rewards. I personally use it enough to more than compensate for the fee vs the free version, but depending on your spending patterns it might or might not work for you.
I originally got approved for the card about 3.5 years ago when it was just the "Blue Cash." Last time I checked my scores it was an EQ fico of 803 I believe. It is going to be more difficult to get than say the Zync, but I've heard AmEx approval standards aren't as stringent as they used to be.
Good luck!
AMEX not as stringent because it wants to keep its Financial Review Dept. busy.
@Anonymous wrote:anyone have one of these cards (blue cash preffered card) ? rewards seem good, didnt know how hard it is to get? has a $75 annual fee tho
Do you have a family? Like OP say, this card will be ideal for a family or if you spend more than $300 per month on grocery.
Lets say you spend $300 per month on grocery.....
$300 x 12 months = $3600 annually.
6% cashback at grocery stores
$3600 x 6% = $216 cash back annually
That figure will justify the $75 AF. If you are a family of 4, your grocery bill each month would avg. around $500 x 12 months = $6000. You'll save $360 than.
Bottom line, you just have to figure out what rewards works best for you base on your spending.
I have it. I don't provide for a family, however, my SO and I do a lot of grocery shopping including the local health food store that seems to be coded as a grocery store. Between this, the gas 3% back (which beats my lousy 5 cents/gallon off Shell card) I use when not using a 5% back card, 1% off everything else and 3% department stores (plan on using a lot for Christmas), this is my go to card without a doubt.
@Anonymous wrote:anyone have one of these cards (blue cash preffered card) ? rewards seem good, didnt know how hard it is to get? has a $75 annual fee tho
I got the Blue Cash Preferred just this past May, and I absolutely love it for the 6% at grocery stores! Amex is still offering the $100 "Welcome Bonus", so the AF will be covered during the first year if you're not quite certain (yet) that your spending patterns will overcome the AF.
Have you tried checking to see if you have any pre-approval offers from Amex? You can check right on their website. It doesn't necessarily mean that you'll be approved, but if you're sans any recent major derogs, you've not recently opened a ton of credit, and your utilization is low, I'd think that it wouldn't be "hard" to obtain.
What exactly are the terms of the $100 Welcome Bonus? I would like to call and ask them about it. Thanks.
@clocktick wrote:What exactly are the terms of the $100 Welcome Bonus? I would like to call and ask them about it. Thanks.
It looks like it may be slightly modified since May, when I got it, but here it is--
@DI wrote:
@alph4 wrote:Probably one of the best rewards cards for families since it has 6% back at grocery stores. The $75 annual fee will be worth it if you spend enough on the card to compensate. There is also the free version with less rewards. I personally use it enough to more than compensate for the fee vs the free version, but depending on your spending patterns it might or might not work for you.
I originally got approved for the card about 3.5 years ago when it was just the "Blue Cash." Last time I checked my scores it was an EQ fico of 803 I believe. It is going to be more difficult to get than say the Zync, but I've heard AmEx approval standards aren't as stringent as they used to be.
Good luck!
AMEX not as stringent because it wants to keep its Financial Review Dept. busy.
lol