topic Re: BCP 3% Cash Back Question in Credit Cards

BCP 3% Cash Back Question

Anonymous — Tue, 09 Jan 2018 22:02:37 GMT

From Amex’s website…

“Blue Cash Preferred 3% cash back at US gas stations and select US department stores.”

Does anyone know if Home Depot is included in the select department stores?

I spend a lot of money with Home Depot so I’m looking to see what the best reward card would be for this situation.

Thanks

Re: BCP 3% Cash Back Question

kdm31091 — Tue, 09 Jan 2018 22:09:31 GMT

Sorry, but no. There is a list somewhere on Amex's website, and it's relatively short. It's things like Kohl's, Boscovs, Sears, etc. Home Depot does not count.

Re: BCP 3% Cash Back Question

HeavenOhio — Tue, 09 Jan 2018 22:11:21 GMT

Here's the list. The department stores included are very specific. Other categories are fairly wide open.

https://www.americanexpress.com/us/content/rewards-info/retail.html

Re: BCP 3% Cash Back Question

fltireguy — Tue, 09 Jan 2018 22:11:22 GMT

No. Home Depot is classified as home improvement, not a department store. You want three percent for home improvements, I think that’s a Category that you can select on a BBVA clear points card

Re: BCP 3% Cash Back Question

Anonymous — Wed, 10 Jan 2018 04:13:10 GMT

Ah, bummer. thanks for the info though

Re: BCP 3% Cash Back Question

Anonymous — Wed, 10 Jan 2018 04:14:25 GMT

That is good info to have. Thanks, I appreciate the info and link.

Re: BCP 3% Cash Back Question

Anonymous — Wed, 10 Jan 2018 04:15:14 GMT

Thanks for the info, i'm going to look into that card now.

Re: BCP 3% Cash Back Question

SBR249 — Wed, 10 Jan 2018 04:30:23 GMT

Hardware and Home Improvement Stores is one of the 5% cashback categories you can select for the Vantage West Connect Rewards Visa. There have been a few threads recently about the card and the CU so you can search for some basic info there.

Re: BCP 3% Cash Back Question

Anonymous — Wed, 10 Jan 2018 04:49:06 GMT

Thanks for the info, i appreciate it. I will look into that now

Re: BCP 3% Cash Back Question

dlister70 — Wed, 10 Jan 2018 05:07:19 GMT

It looks like the Farmer's Rewards Visa card lets you get 3% back on home improvement also. I don't know anything about the card, I just found it when searching for a home improvement card. It's also got 3% on Farmer's products if you coincidentally have their insurance, and 3% on gas.

https://d.comenity.net/farmersrewardsvisa/#

If you have a Lowes near you, you might consider their card as it's a 5% discount at the point of purchase. I have a Menards, Home Depot, and Lowes near me and have shopped at each of them, and I haven't seen a huge advantage of one store over the other in terms of product or customer service.. so I'd go for the Lowes card if I was doing a home improvement project just based on the savings.

Re: BCP 3% Cash Back Question

HeavenOhio — Wed, 10 Jan 2018 05:16:51 GMT

Lowe's (Synchrony) is likely to give you the highest limit. Menards (Capital One) and Home Depot (Citi) offer cards from less wonky banks.

Re: BCP 3% Cash Back Question

Anonymous — Wed, 10 Jan 2018 06:22:33 GMT

Purchase a Home Depot gift card from a grocery store and get 6% back, which is better than any of the other solutions.

Re: BCP 3% Cash Back Question

SBR249 — Wed, 10 Jan 2018 06:37:00 GMT

BCP is only 6% on $6K a year. If the OP spends more than that annually then it may make sense to have something else as well.