topic Re: Amex Blue Cash Everyday PC to Blue Cash Preferred in Credit Cards

Amex Blue Cash Everyday PC to Blue Cash Preferred

GZG — Sat, 06 Apr 2024 18:59:53 GMT

Was sent a mailer for $150 statement credit for $1k spend/6 months and $0 AF for the first year, this upgrade was a no brainer to take for me personally, I will downgrade back to the BCE after the year is up

shame to be missing out on the home chef credit, dabbled a bit in Home Chef on promotion and I did like it, especially when the $15 off/monthly, really glad BCP retains the HULU credit, however.

Re: Amex Blue Cash Everyday PC to Blue Cash Preferred

keekers — Sat, 06 Apr 2024 19:18:08 GMT

Very nice offer.

Re: Amex Blue Cash Everyday PC to Blue Cash Preferred

JoeRockhead — Sat, 06 Apr 2024 20:41:37 GMT

Nice, congratulations!

Re: Amex Blue Cash Everyday PC to Blue Cash Preferred

CorpCrMgr1 — Sun, 07 Apr 2024 03:41:04 GMT

Congratulations on your windfall!

Re: Amex Blue Cash Everyday PC to Blue Cash Preferred

nytokyobred79 — Sun, 07 Apr 2024 13:03:32 GMT

Good stuff. Enjoy that SUB

Re: Amex Blue Cash Everyday PC to Blue Cash Preferred

FicoMike0 — Sun, 07 Apr 2024 15:55:08 GMT

Congratulation! Offer came in snail mail? I'm envious, I'd like to upgrade too.

Re: Amex Blue Cash Everyday PC to Blue Cash Preferred

SuperFlyEDSguy — Sun, 07 Apr 2024 17:50:07 GMT

Sweet! Congrats! 🍾 🥳

It's always nice to see an invite that's actually useful show up from seemingly out of nowhere! Maybe it was just me, but the BCP was the absolute hardest AMEX approval for me to get and I already had over a year with them at the time. During that time, I was using my Gold Card and Delta Platinum Card, and paying them both off regularly. I eventually applied for the BCE and was approved for that too on my first try. Well, because I have no patience, I tried again for the BCP before the year was up and for whatever reason was actually approved on that fourth or fifth try! So, now I have both, but that's alright because any "U.S. Online Retail Purchases" that I can't get from Amazon @ 5% or using my PayPal Mastercard with PayPal Payments @ 3%, just goes on my BCE.

I actually do have a point, LOL, and it's how the BCP really grew on me over time. I like the 6% on Groceries a lot, but we have a pretty big family. If you could take advantage of the full credit, it could be worth keeping, especially when paired up with any of the other credits like the 6% on Streaming. We thought it would be better for the kids to pass on cable and just use some streaming, but now we have a handful of streaming services. So, in our case, that 6% makes sense. I guess that it just comes down to looking at all of the benefits and comparing them to any other cards because it may fill some gaps for the $95/year. For the $7.92/month that it ends up being, I'm pretty sure that we at least break even with all the Rewards, but the BCP has some other protections and strong features that are very useful from time-to-time. For whatever reason, my other "good" AMEX cards don't have those features. 🤷‍♂️

The bottomline is that I'm sort of at a conundrum this year as I want to save money on AFs and was going to do the same as you, but will likely end up keeping mine for now. We use our Gold Card a lot, so that one stays; but does that mean to downgrade the Delta Platinum with the now $350 AF?! They did increase the free companion ticket options to select destinations outside CONUS, e.g. Hawaii! It's tempting.

These AFs grow, but the benefits are solid, I guess when it comes down to it AMEX really knows how to grab you by the Planters and not loosen their grip, LOL! 😂

Well, whatever you do, enjoy that bonus cash, and congrats again! 💰🥳

Re: Amex Blue Cash Everyday PC to Blue Cash Preferred

gingerflower — Sun, 07 Apr 2024 18:12:48 GMT

I to got the offer and upgraded blue cash preferred . 😊

Re: Amex Blue Cash Everyday PC to Blue Cash Preferred

OrangeRange — Sun, 07 Apr 2024 19:26:44 GMT

Nice! I downgraded my BCP to BCE last October and so far have only received $75 for $1K spend, annual fee not waived.

BCP is a great card, and I think it's the strongest all-around cashback card when you consider the various categories it covers, purchase/return protections and of course Amex's great customer service. I feel like Amex offers on the BCP are some of the best besides what the charge cards get. I easily saved over $265 dollars last year on offers for places I was going to spend money at anyways.

I'm team travel rewards but BCE/BCP is one of my keeper cards.

Re: Amex Blue Cash Everyday PC to Blue Cash Preferred

SuperFlyEDSguy — Sun, 07 Apr 2024 19:53:31 GMT

Great points! 👌

I unfortunately don't do much travel, but I do have a couple of stronger travel cards for those times when I do, e.g. AMEX Delta Platinum, NFCU Flagship Rewards, etc. The thing is, the BCP, is well worth the $95 AF after considering everything you get for it! You couldn't be more right because in a world flooded by $250+ cards, the BCP (as well as the NFCU Flagship Rewards, but to a lesser extent) is an outlier! You just need to take advantage of all it offers, but those opportunities are frequent when it comes down to it. 💰

I personally don't think that I could justify the AMEX Platinum, but the (a) AMEX Gold, (b) BCP, and (c) strong travel card (preferably the AMEX Platinum), becomes a very powerful trifecta that would save tons of money while offering immense benefits throughout the year! If you don't travel often, the Delta Platinum is a good contender as it has cell phone protection aside from all of the other goodies previously mentioned. If you do, then the AMEX Platinum is almost a must have in conjunction with those two other cards! 👍

Re: Amex Blue Cash Everyday PC to Blue Cash Preferred

OrangeRange — Sun, 07 Apr 2024 20:47:34 GMT

@SuperFlyEDSguy wrote:
Great points! 👌

I unfortunately don't do much travel, but I do have a couple of stronger travel cards for those times when I do, e.g. AMEX Delta Platinum, NFCU Flagship Rewards, etc. The thing is, the BCP, is well worth the $95 AF after considering everything you get for it! You couldn't be more right because in a world flooded by $250+ cards, the BCP (as well as the NFCU Flagship Rewards, but to a lesser extent) is an outlier! You just need to take advantage of all it offers, but those opportunities are frequent when it comes down to it. 💰

I personally don't think that I could justify the AMEX Platinum, but the (a) AMEX Gold, (b) BCP, and (c) strong travel card (preferably the AMEX Platinum), becomes a very powerful trifecta that would save tons of money while offering immense benefits throughout the year! If you don't travel often, the Delta Platinum is a good contender as it has cell phone protection aside from all of the other goodies previously mentioned. If you do, then the AMEX Platinum is almost a must have in conjunction with those two other cards! 👍

Delta Platinum would be a great keeper card even after the AF increase given they expanded the companion certificate. I'm single though so unfortunately for now the card doesn't work as well for me vs. say the Delta Gold (if I were to get a Delta card).

I do worry that the BCP is up for a major refresh within the next 1-2 years. I wouldn't be surprised if they raised the annual fee to $150.

Re: Amex Blue Cash Everyday PC to Blue Cash Preferred

Zoostation1 — Sun, 07 Apr 2024 21:08:31 GMT

@OrangeRangeLet's hope not. I don't want it to end up like the charge cards with their coupon book set up. If it weren't for the corporate advantage discount, at $150 I might consider downgrading to BCE.

Re: Amex Blue Cash Everyday PC to Blue Cash Preferred

OrangeRange — Sun, 07 Apr 2024 21:21:53 GMT

@Zoostation1 wrote:
@OrangeRangeLet's hope not. I don't want it to end up like the charge cards with their coupon book set up. If it weren't for the corporate advantage discount, at $150 I might consider downgrading to BCE.

I agree, hopefully not. I was just basing that on refreshes on the Hilton and Delta cards over the past 6 months though. $150 appears to be their new $95. Maybe they'll spare the core cards though outside of the charge cards and leave them as they are.

Re: Amex Blue Cash Everyday PC to Blue Cash Preferred

NoHardLimits — Sun, 07 Apr 2024 21:41:45 GMT

@OrangeRange wrote:
@Zoostation1 wrote:
@OrangeRangeLet's hope not. I don't want it to end up like the charge cards with their coupon book set up. If it weren't for the corporate advantage discount, at $150 I might consider downgrading to BCE.
I agree, hopefully not. I was just basing that on refreshes on the Hilton and Delta cards over the past 6 months though. $150 appears to be their new $95. Maybe they'll spare the core cards though outside of the charge cards and leave them as they are.

Personally, I've been hoping for a refresh of the Everyday and Everyday Preferred cards (the ones that earn Membership Rewards points). The Blue Cash variants received a refresh a couple years ago, but the MR earning Everyday cards are still stuck in the distant past. The only time I place significant spend is when I get a generous upgrade offer (the last one I received was for 40k points back in 2021).

Re: Amex Blue Cash Everyday PC to Blue Cash Preferred

moto4man — Sun, 07 Apr 2024 23:57:15 GMT

I got this offer too... I have about a $3k balance on my BCE card now. Never even dawned on me I could carry/pay that balance over the next year interest free. Am I understanding this correctly?

Re: Amex Blue Cash Everyday PC to Blue Cash Preferred

OrangeRange — Mon, 08 Apr 2024 00:11:04 GMT

@NoHardLimits wrote:
@OrangeRange wrote:
@Zoostation1 wrote:
@OrangeRangeLet's hope not. I don't want it to end up like the charge cards with their coupon book set up. If it weren't for the corporate advantage discount, at $150 I might consider downgrading to BCE.
I agree, hopefully not. I was just basing that on refreshes on the Hilton and Delta cards over the past 6 months though. $150 appears to be their new $95. Maybe they'll spare the core cards though outside of the charge cards and leave them as they are.

Personally, I've been hoping for a refresh of the Everyday and Everyday Preferred cards (the ones that earn Membership Rewards points). The Blue Cash variants received a refresh a couple years ago, but the MR earning Everyday cards are still stuck in the distant past. The only time I place significant spend is when I get a generous upgrade offer (the last one I received was for 40k points back in 2021).

Yeah, the Everyday line is 10 years old now and hasn't been touched yet. I suppose they prefer to lure everyone to the more premium fee charge cards.

BCE's refresh was just 2 years ago almost, so I imagine it's not going to be touched for quite some time. BCP got a minor refresh with the Disney+ bundle credit then too, but its last major change was 2019.

Re: Amex Blue Cash Everyday PC to Blue Cash Preferred

OrangeRange — Mon, 08 Apr 2024 00:14:08 GMT

@moto4man wrote:
I got this offer too... I have about a $3k balance on my BCE card now. Never even dawned on me I could carry/pay that balance over the next year interest free. Am I understanding this correctly?

That is incorrect. Your 0% intro APR on purchases and BTs will expire 15 months from when you opened your BCE. The upgrade offer will just give you the BCP year one with no annual fee. If you need to BT the balance you have now, you'd have to open a non-Amex card to do that on.

Re: Amex Blue Cash Everyday PC to Blue Cash Preferred

Rdbeetle — Mon, 08 Apr 2024 00:15:27 GMT

Congrats on the BCP offer!

Re: Amex Blue Cash Everyday PC to Blue Cash Preferred

SuperFlyEDSguy — Mon, 08 Apr 2024 13:24:34 GMT

Delta Platinum would be a great keeper card even after the AF increase given they expanded the companion certificate.

I’ve had mine for around three years and it was even an upgrade from my previous Delta Gold. IMHO, the features are night and day. You really get A LOT more with the Platinum. Honestly, the expanded companion certificate options are maybe the most enticing thing about the revamped card! I still really like those perks like cell phone protection, but free airfare once a year is really nice too!

I'm single though so unfortunately for now the card doesn't work as well for me vs. say the Delta Gold (if I were to get a Delta card).

I’ve been married for 20 years, so maybe I'm a bit out of touch with these things, but wouldn't that companion certificate give you instant baller status in the dating world?! I could seriously see a conversation going something like this:

You: So, where do you want to go for dinner?
Date: How 'bout Zanzibar?
You: The Tanzanian archipelago? {Raises eyebrow}
Date: No silly, the restaurant, but you'd probably need to use Resy.

You: Hmmm, I was thinking that I'm more in a Lu'au mood.

Date: Sorry, but there are no Lu'aus in (Wisconsin). {Giggles}

You: Who said anything about (Wisconsin)? {Mischievous smirk}

Date: LOL, it's not like we could just go to Hawaii?! {Laughs}
You: And, why can't we?
Date: Because, it's Hawaii!
You: And?
Date: And... You're serious?! {Tone changes}
You: Could you pack your **** in an hour? It's Lu'au time!
Narrator: You just achieved instant baller status and, well... {music fades into "Sensual Healing" by Marvin Gaye}

I do worry that the BCP is up for a major refresh within the next 1-2 years. I wouldn't be surprised if they raised the annual fee to $150.

I totally hear you as I've already been double checking AFs lately when browsing cards (although I'm not really planning on adding anything to the mix right now). It seems everything, but their Everyday lineup has been refreshed already, so the Blue Cash lineup is probably up along with those. I thought more was going to come with the redesigned cards, but aside from adding their own 1.5% card, sort of, into the series, nothing major happened. That was a bummer. I think only good changes will be added, but yes, certainly at a premium.

The BCP is definitely worth the $95 AF, but I'm just not sure how I'd feel about it if they bumped it to $150. What are your thoughts? 🤔💭

These AFs are killing me when I see them adding-up in my budget, but I know that I'm banking a whole lot more than I'm paying out! So, it's totally worth it, but AMEX is getting around $700/year out of me right now, although I know it could be far worse — or better — depending on how you look at it!

Re: Amex Blue Cash Everyday PC to Blue Cash Preferred

SuperFlyEDSguy — Mon, 08 Apr 2024 13:34:57 GMT

@OrangeRange wrote:
@moto4man wrote:
I got this offer too... I have about a $3k balance on my BCE card now. Never even dawned on me I could carry/pay that balance over the next year interest free. Am I understanding this correctly?
That is incorrect. Your 0% intro APR on purchases and BTs will expire 15 months from when you opened your BCE. The upgrade offer will just give you the BCP year one with no annual fee. If you need to BT the balance you have now, you'd have to open a non-Amex card to do that on.

And, to be fair, that's only if the AMEX gatekeepers are kind enough to actually extend you the SUB(s) as sometimes they won't if you opened another AMEX consumer card within the previous 12 months. It seems that some people run into this issue and others don't, but yeah, you could totally be approved for the BCE/BCP with no SUB(s) to include all of the usual 15 month niceties across the board! 🤔