topic Amex BCP BCE carriers, online grocery? in Credit Cards

Amex BCP BCE carriers, online grocery?

eastsea — Mon, 20 Apr 2020 16:28:43 GMT

I have a BCE but unfortunately due to the pandemic plus the fact I am very high risk I now only buy groceries online and have them delieverd to door.

Trying to use BCE for groceries but Amazon Fresh doesn't count, Walmart Neighborhood Market counts but doesn't deliver, Instacart charges a fee.

Any other places that deliever groceries and count as grocery and don't charge a hefty fee?

Re: Amex BCP BCE carriers, online grocery?

wasCB14 — Mon, 20 Apr 2020 17:23:17 GMT

I earn 6% with BCP at Instacart for delivieries to a relative. The delivery fee, service fee, and tip can add up...though there's a few miles of driving involved and few drivers so I'm willing to pay the fee. Amazon Fresh will deliver to the address, but finding a delivery slot is the hard part...Instacart has more availability.

For myself, I strap on my N100 and brave Costco every few weeks. Lots of broccoli and frozen fruit and meat. I'm thinking of using Instacart between these trips, though.

But with your BCE, we're still talking 3% vs. 1%. If Amazon Fresh will delivery to you...reliably and for little or no fee...I'd stick with that and just live with less than 3%.

Re: Amex BCP BCE carriers, online grocery?

Anonymous — Mon, 20 Apr 2020 18:10:21 GMT

If you have Chase freedom, this quarter is groceries and Amazon Fresh is 5% back. Luckily I have both Freedom and BCP so for Amazon Fresh I use Chase and for the rare trips I make to my local grocery or Trader Joe's, I use BCP. Another option is if you have an Amex charge card or the Everyday card, you can get 5x the MR rewards on Amazon. There's also 20% off deal if you pay with at least 1 MR point but I don't think it works for Amazon Fresh just for regular Amazon purchases.

Re: Amex BCP BCE carriers, online grocery?

Anonymous — Mon, 20 Apr 2020 23:05:38 GMT

And if you have the Chase Amazon card and have a WholeFoods nearby, you can get 5% on those with no delivery charge, just a suggested tip.

Takes a while (by refreshing the page) to get a slot, but I have always been able to get one the same day

Re: Amex BCP BCE carriers, online grocery?

wasCB14 — Mon, 20 Apr 2020 23:10:17 GMT

@Anonymous wrote:
And if you have the Chase Amazon card and have a WholeFoods nearby, you can get 5% on those with no delivery charge, just a suggested tip.
Takes a while (by refreshing the page) to get a slot, but I have always been able to get one the same day

Browsing OP's recent posts...

"I only have 2 credit cards so I have no choice but list them both.

Bank of America Cash Rewards

American Express Blue Cash Everyday"

so anything new would require an application...and should take a SUB into account.

Re: Amex BCP BCE carriers, online grocery?

Anonymous — Mon, 20 Apr 2020 23:11:29 GMT

@wasCB14 wrote:
@Anonymous wrote:
And if you have the Chase Amazon card and have a WholeFoods nearby, you can get 5% on those with no delivery charge, just a suggested tip.
Takes a while (by refreshing the page) to get a slot, but I have always been able to get one the same day
Browsing OP's recent posts...

"I only have 2 credit cards so I have no choice but list them both.

Bank of America Cash Rewards
American Express Blue Cash Everyday"

so anything new would require an application...and should take a SUB into account.

Good point

Re: Amex BCP BCE carriers, online grocery?

wasCB14 — Mon, 20 Apr 2020 23:20:42 GMT

It's possible that some online grocery service might code as "online purchases" with BofA. I haven't tried any using that card, but Uber Eats counts.

Re: Amex BCP BCE carriers, online grocery?

Anonymous — Mon, 20 Apr 2020 23:30:57 GMT

The best cards for Amazon Fresh are Amazon Store Card and the Chase Amazon Rewards.

Target is the best card for Target.

Walmart is the best card for Walmart Grocery.

Unfortunately, your best options are going to involve getting a new card.

Re: Amex BCP BCE carriers, online grocery?

eastsea — Tue, 21 Apr 2020 15:07:03 GMT

Thank you everyone for the suggestions.

The Bank of America Cash Rewards online shopping would have been perfect but recently my townhouse started to waive credit card fees and replaced with a fixed fee each month when paying with a credit card and since that spend qualifies for BoA online shopping (I tested) it became a no-brainer. The thing is now the housing expenses pretty much use up the Cash Rewards quarterly cap.

That's why I was hoping to take advantage of the American Express Blue Cash Everyday for groceries but I couldn't find a good use for it.

Sounds like I need another card?

Re: Amex BCP BCE carriers, online grocery?

KJinNC — Tue, 21 Apr 2020 15:12:28 GMT

As someone noted, we are talking about the difference between 3% or with the right card, maybe 5%, vs 1%. On a $200 order, going from 1% to 3% will save you $4. Going from 1% to 5% will save you $8. For ten $200 orders, we're talking $40-$80 total savings. It is not life-changing. But yes, if you want to maximize cashback percentage, personally, I'd look at the Amazon options (Store Card - Sync Bank, and Visa - Chase). JMO, good luck!

Re: Amex BCP BCE carriers, online grocery?

Anonymous — Tue, 21 Apr 2020 15:36:57 GMT

For target, you can get the debit card/checking account version of the red card that doesn't require taking a HP. It still gets you 5% off of everything. Target offers Shipt for online groceries but I haven't used it as of yet cause I have been lucky enough to get time slots on Amazon Fresh.

For other grocery food options, I would just search online for promo codes. I got $10 off an order on Amazon Fresh once. Ive seen deals for Instacart and a few others. Misfits market is a good one for produce delivery and there's usually a code for 25% off your first order floating around. There's also the cashback monitor website where you can plug in the grocery delivery services to see if any sites offer cash back. I just got 10% off Doordash last month thru BoA.

I feel the same way about maximizing my cash back rewards but when you do the math, sometimes it's not worth the extra effort just to get $2 back. That's why I use coupons and other stuff to maximize my grocery savings for the most part. Yet still found myself paying $5 for eggs the other day (coronavirus markups!! 😠)..but I got that 6% back from BCP so that softened the blow a tiny bit. Anyways, good luck!

Re: Amex BCP BCE carriers, online grocery?

Anonymous — Wed, 22 Apr 2020 12:47:29 GMT

@wasCB14 wrote:
I earn 6% with BCP at Instacart for delivieries to a relative.

Sweet! I assume that Amex Gold will earn 4x MR as grocery for Instacart as well. Does anyone have experience?

Also, I think BOA Cash Reserve set to Online Shopping will earn the max for Instacart as opposed to the grocery rate. Will report.

Re: Amex BCP BCE carriers, online grocery?

therealpeel — Sun, 29 Nov 2020 13:35:14 GMT

Nuts.com, ButcherBox, Wild Alaskan, Polyface Yum, and Misfits Market all code as supermarkets.