topic Re: Amex for Heavy grocery usage in Credit Cards

Amex for Heavy grocery usage

Jccflat — Wed, 08 Jan 2020 00:58:51 GMT

Besides the gold Amex that gives only up to 25k on points for x4
what other other Amex Card in the next good that can someone apply witch will give good rewards since in grocery ?

That person Does over 100k In spend year

Re: Amex for Heavy grocery usage

PullingMeSoftly — Wed, 08 Jan 2020 01:05:54 GMT

BCP comin' in handy, my go to for groceries, easily makes up for the AF

Re: Amex for Heavy grocery usage

simplynoir — Wed, 08 Jan 2020 01:07:32 GMT

Now assuming it can be believed there's someone with that kind of grocery spend because of the cap restrictions the other options have (ED, EDP, BCE, BCP and BBP) there's no way to cover the entire 100k with AMEX on one card but it should be close if combinded together. Add the mix earnings of the Everyday and Blue Cash cards ($24k) for cash and MR points, and Blue Business Plus ($50k) for more MR points that should get someone close to the max earning potential if speaking strictly AMEX cards only

If just one card then they should go Blue Business Plus for another 100k in points for $50k spend

Re: Amex for Heavy grocery usage

Anonymous — Wed, 08 Jan 2020 01:13:24 GMT

Every card has grocery cap. BCE, BCP, ED, and EDP all capped at $6k each. That person must feed a whole village with that type of grocery spend.

Re: Amex for Heavy grocery usage

JNA1 — Wed, 08 Jan 2020 01:21:23 GMT

If $100K is not a typo, depending on where they are, the BBVA ClearPoints card would be great for groceries because it offers unlimited 3% on a category of your choice (and 2% on another category also). I'm currently cycling around $900 per month through mine on utilities.

Re: Amex for Heavy grocery usage

simplynoir — Wed, 08 Jan 2020 01:25:00 GMT

The OP specifically mentioned AMEX

Re: Amex for Heavy grocery usage

Anonymous — Wed, 08 Jan 2020 01:25:23 GMT

I'm coming to your house to eat lol.

With that much spend though, with one lender, will likely draw attention to your accounts. It might be better to do multiple issuers for all that grocery spend, which means you'll have to give up some rewards to do so. I wouldn't go all in with Amex.

Re: Amex for Heavy grocery usage

Jccflat — Wed, 08 Jan 2020 01:33:13 GMT

Is it a negative attention? To use one lander
He does have the nfcu Amex that gives 3 points on grocery but 4X on Amex gives more

Re: Amex for Heavy grocery usage

wasCB14 — Wed, 08 Jan 2020 01:33:57 GMT

To make a joke that may now be out of date...I suspect this person eats a lot of ice cream.

Re: Amex for Heavy grocery usage

Anonymous — Wed, 08 Jan 2020 01:58:24 GMT

@Jccflat wrote:
Is it a negative attention? To use one lander
He does have the nfcu Amex that gives 3 points on grocery but 4X on Amex gives more

The NFCU AMEX has no cap though so use the Gold to $25K then BCP to $6K then NFCU AMEX for the rest.

Re: Amex for Heavy grocery usage

Anonymous — Wed, 08 Jan 2020 01:59:43 GMT

@Jccflat wrote:
Is it a negative attention? To use one lander
He does have the nfcu Amex that gives 3 points on grocery but 4X on Amex gives more

It certainly can be negative attention. Large spend stands out. It could work for you too. I once had done a lot of stock trading which generated a lot of commission for the broker. It brought attention to my account. They called me twice just to see how I was doing, and if there was anything else they could do. Got Christmas cards from them.

But at 3% cash back, if its not profitable, it becomes negative attention. If its 50K a year at 1% and 50K a year spend at 3%, its probably profitable for them and they like you.

Comes down to profitability. Positive attention if you're profitable or negative attention if you are unprofitable. They are in business to make money.

Re: Amex for Heavy grocery usage

Anonymous — Wed, 08 Jan 2020 02:00:56 GMT

@Jccflat wrote:
Besides the gold Amex that gives only up to 25k on points for x4
what other other Amex Card in the next good that can someone apply witch will give good rewards since in grocery ?

That person Does over 100k In spend year

The Old Blue Cash would be ideal, but unfortunately recently fails the "someone can apply for" test

Re: Amex for Heavy grocery usage

M_Smart007 — Wed, 08 Jan 2020 02:06:30 GMT

Can't resist and my apologies .. $100K spend on Groceries, Just buy a store.

Sorry

Re: Amex for Heavy grocery usage

Anonymous — Wed, 08 Jan 2020 02:10:03 GMT

@M_Smart007 wrote:

Can't resist and my apologies .. $100K spend on Groceries, Just buy a store.

Sorry

If some of the groceries are thin plastic things, $100K a year is nothing, but that should be stated, as other concerns then come into play

Re: Amex for Heavy grocery usage

Jccflat — Wed, 08 Jan 2020 02:17:41 GMT

It’s totally food This guy works in a kitchen and buys all groceries ingredients
So I guess the Every day Preferred card is the next card it has the 50% extra points for the 30 purchases per month

Re: Amex for Heavy grocery usage

Anonymous — Wed, 08 Jan 2020 02:21:20 GMT

@Jccflat wrote:
It’s totally food This guy works in a kitchen and buys all groceries ingredients
So I guess the Every day Preferred card is the next card it has the 50% extra points for the 30 purchases per month

Do the issuers care that business spend is put on a personal card? Are there any 3 or 4% rewards on business cards?

Re: Amex for Heavy grocery usage

simplynoir — Wed, 08 Jan 2020 02:22:33 GMT

@Jccflat wrote:
It’s totally food This guy works in a kitchen and buys all groceries ingredients
So I guess the Every day Preferred card is the next card it has the 50% extra points for the 30 purchases per month

The $6k cap on groceries doesn't get him far though. Honestly, if your friend uses it for business expenses I'd go Blue Business Plus and nab 100k points for $50k spend. The rest I'd recommend he put on his NFCU card for the last $25k in spend

Re: Amex for Heavy grocery usage

simplynoir — Wed, 08 Jan 2020 02:24:05 GMT

@Anonymous wrote:
@Jccflat wrote:
It’s totally food This guy works in a kitchen and buys all groceries ingredients
So I guess the Every day Preferred card is the next card it has the 50% extra points for the 30 purchases per month
Do the issuers care that business spend is put on a personal card? Are there any 3 or 4% rewards on business cards?

IME as long as you pay they don't care. The seperation of personal and business spend is more about consumer protections and tax reasons if you're trying to seperate expenses. Some say don't mix, others shrug their shoulders

Re: Amex for Heavy grocery usage

Jccflat — Wed, 08 Jan 2020 02:25:10 GMT

Simplynoir is the BBP gives better value than the nfcu Amex ?

Re: Amex for Heavy grocery usage

Anonymous — Wed, 08 Jan 2020 02:27:33 GMT

@simplynoir wrote:
@Anonymous wrote:
@Jccflat wrote:
It’s totally food This guy works in a kitchen and buys all groceries ingredients
So I guess the Every day Preferred card is the next card it has the 50% extra points for the 30 purchases per month
Do the issuers care that business spend is put on a personal card? Are there any 3 or 4% rewards on business cards?
IME as long as you pay they don't care. The seperation of personal and business spend is more about consumer protections and tax reasons if you're trying to seperate expenses. Some say don't mix, others shrug their shoulders

An answer to the second question helps to answer the first. Any 3-4% biz cards out there?