Re: Change coming in BCP rewards structure
10-05-2012 02:44 PM
One of the reasons we as a family got the card because it offered unlimited 6% but no more.
$6000 at 6% is only $360 - $75AF your left with $285.
Any other grocery cards out there ??? I know Freedom and Discover gives you 5% sometimes but I'm looking for yearly card with or without AF but good rewards.
I ran the math too. At $9500 in grocery spending per year you are at the $285 with 3% on BCE. If you spend more than $9500 a year on groceries, BCE would be the better deal if there is no cap.
This may become complicated to manage instead of easy. 5% cash back for DM and Freedom, but only during their grocery quarters, and only until maxed out. The BCP whenever the rest are maxed, until $6000 in spending. Then move on to the next best thing in my wallet. (Which will NOT be 1% with BCP) I won't run grocery spending through BCP for 1%.
Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)