Valued Contributor
Posts: 1,093
Registered: ‎02-15-2012
Re: Change coming in BCP rewards structure

DeadSpider wrote:

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: 748 TU(12/12), 783 TU98 , 813 TU08 FICO, 744 EQ FICO , 735 EX(9/12), 794 EX08 FICO, 809 EX08 bankcard FICO
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (20.7K), BofA Travel Rewards ($17.5), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (15K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Disc It ($8K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Wally D ($7.5K), JCP($5.3K)