topic Re: Get AMEX BCE for 2nd Time? in Credit Cards

Get AMEX BCE for 2nd Time?

Wavester64 — Thu, 12 Jun 2025 17:30:59 GMT

I thought I had this in my notes, and I did a *light* search for the answer on the forums, not seeing the needed answer & I am being honest that I am lazy today and I hope one/some of you guys could give me a refresher on this

I once had the Amex Blue Cash Everyday, upgraded it to the BCP, and I have had the BCP ever since. I see the BCE comes up on my Experian email ad (no ding) and it mentions the following :

Intro bonus: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Intro APR: 0% on Purchases and Balance Transfers for 15 months

I could really use the 0% Balance Transfer right now, and with being a new homeowner, I know I could *easily* spend that $2000 and get the bonus. I know there is some "lifetime" language as it comes to this, so I ask : Can I app for this and take advantage of this offer if approved? Or will I get rejected or not get this offer since I had this one time before?

Also - what's the current ruling when it comes to # of AMEX cards you can have? I remember during Covid it was like 5-ish? Check my sig, am I at my limit? Because if I am, no sense in even trying for this card then.

Re: Get AMEX BCE for 2nd Time?

DXness — Thu, 12 Jun 2025 17:45:07 GMT

How long has it been since you last got the BCE bonus? The "lifetime" period is around 7 years. Experian offers are just marketing and they don't account for specifics like that. They have shown me matched offers that I would be outright denied for. Even if it hasn't been around 7 years yet, you could still get approved for the card, it just wouldn't have the SUB.

AFAIK, the soft limit is still 5 revolvers, with hotel/airline cards counting and charge cards not counting. However, I've seen DPs of some people getting approved for more than 5...and plenty rejected, so YMMV.

Re: Get AMEX BCE for 2nd Time?

swankytiger — Thu, 12 Jun 2025 17:51:02 GMT

Its between 4-6 "Credit" cards, the Charge cards do not count(Green, Gold, Plat)
Also im not sure if it counts an upgraded card for the 7 year lifetime language.

Your Business cards should not count to that limit iirc.

Re: Get AMEX BCE for 2nd Time?

Wavester64 — Thu, 12 Jun 2025 17:57:19 GMT

@DXness wrote:
How long has it been since you last got the BCE bonus? The "lifetime" period is around 7 years. Experian offers are just marketing and they don't account for specifics like that. They have shown me matched offers that I would be outright denied for. Even if it hasn't been around 7 years yet, you could still get approved for the card, it just wouldn't have the SUB.

AFAIK, the soft limit is still 5 revolvers, with hotel/airline cards counting and charge cards not counting. However, I've seen DPs of some people getting approved for more than 5...and plenty rejected, so YMMV.

I was approved for the BCE back on 01/12/19. I don't recall how soon I got the bonus, if there was one for that card at the time. If there was a bonus to be had, you gotta figure I got it within 6-months or sooner of 01/12/19.

Re: Get AMEX BCE for 2nd Time?

Varsity_Lu — Thu, 12 Jun 2025 17:58:43 GMT

My guess is you'll get the card with a soft pull, but they will deny you the SUB. Keep your reports frozen when you do the pre-approval. Good luck!

Re: Get AMEX BCE for 2nd Time?

GZG — Thu, 12 Jun 2025 18:02:02 GMT

@Wavester64 wrote:
I thought I had this in my notes, and I did a *light* search for the answer on the forums, not seeing the needed answer & I am being honest that I am lazy today and I hope one/some of you guys could give me a refresher on this

I once had the Amex Blue Cash Everyday, upgraded it to the BCP, and I have had the BCP ever since. I see the BCE comes up on my Experian email ad (no ding) and it mentions the following :

Intro bonus: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Intro APR: 0% on Purchases and Balance Transfers for 15 months

I could really use the 0% Balance Transfer right now, and with being a new homeowner, I know I could *easily* spend that $2000 and get the bonus. I know there is some "lifetime" language as it comes to this, so I ask : Can I app for this and take advantage of this offer if approved? Or will I get rejected or not get this offer since I had this one time before?

Also - what's the current ruling when it comes to # of AMEX cards you can have? I remember during Covid it was like 5-ish? Check my sig, am I at my limit? Because if I am, no sense in even trying for this card then.

I don't even know if amex will give you a BCE, sub or not, while you're a BCP cardholder

you will probably be in pop-up jail, which means no SUB, no intro APR, no BT

it's not 100% amex will even allow you to do a BT, even if approved with the SUB

the real answer here is just get a BBP for its intro APR, or look at a different issuer, US Bank's shield card is 24 months, 0% apr

Re: Get AMEX BCE for 2nd Time?

Wavester64 — Thu, 12 Jun 2025 18:17:08 GMT

Thanks for the suggestions @GZG

the USB Shield seemed interesting until I saw "Balance Transfer fee of 5%". I have the PNC Card offering me 4% BT Fee right now for 1-year 0% APR, so I was hoping for 0% BT Fee.

Reading more into the AMEX BCE specifics online, I think I am seeing 3% BT Fee. If that is the case, I'm not going to even bother just to save 1%.

Re: Get AMEX BCE for 2nd Time?

GZG — Thu, 12 Jun 2025 18:26:23 GMT

@Wavester64 wrote:
Thanks for the suggestions @GZG

the USB Shield seemed interesting until I saw "Balance Transfer fee of 5%". I have the PNC Card offering me 4% BT Fee right now for 1-year 0% APR, so I was hoping for 0% BT Fee.

Reading more into the AMEX BCE specifics online, I think I am seeing 3% BT Fee. If that is the case, I'm not going to even bother just to save 1%.

you have navy federal, could just close one of your cards, apply for another platinum card and move the limits from your other cards over to accommodate the BT

Re: Get AMEX BCE for 2nd Time?

unsungivy — Thu, 12 Jun 2025 18:29:38 GMT

@GZG wrote:
@Wavester64 wrote:

I don't even know if amex will give you a BCE, sub or not, while you're a BCP cardholder

They will. That part wouldn't be an issue. I did it, and got the SUB on both (before they added family language) 1 year apart.

Re: Get AMEX BCE for 2nd Time?

Wavester64 — Thu, 12 Jun 2025 18:43:05 GMT

@unsungivy wrote:
@GZG wrote:
@Wavester64 wrote:

I don't even know if amex will give you a BCE, sub or not, while you're a BCP cardholder

They will. That part wouldn't be an issue. I did it, and got the SUB on both (before they added family language) 1 year apart.

@unsungivy is there a 3% BT fee with your BT offer?

Re: Get AMEX BCE for 2nd Time?

Varsity_Lu — Thu, 12 Jun 2025 20:00:40 GMT

@GZG wrote:

I don't even know if amex will give you a BCE, sub or not, while you're a BCP cardholder

Yes, having both is no problem. I don't even carry the BCE in my wallet. I only use it for online shopping. I view it as an add-on to the BCP, just one more 3% category for no extra cost. It was even a soft pull approval. I see both cards with a single login so it's super easy to manage.

Re: Get AMEX BCE for 2nd Time?

unsungivy — Thu, 12 Jun 2025 21:03:33 GMT

@Wavester64 wrote:
@unsungivy wrote:
@GZG wrote:
@Wavester64 wrote:

I don't even know if amex will give you a BCE, sub or not, while you're a BCP cardholder

They will. That part wouldn't be an issue. I did it, and got the SUB on both (before they added family language) 1 year apart.
@unsungivy is there a 3% BT fee with your BT offer?

Hmm? I'm not clear what BT offer you're referring to? I generally ignore all the ones I get since I haven't needed any in years.

Re: Get AMEX BCE for 2nd Time?

pip3man — Fri, 13 Jun 2025 00:08:22 GMT

@Varsity_Lu wrote:
My guess is you'll get the card with a soft pull, but they will deny you the SUB. Keep your reports frozen when you do the pre-approval. Good luck!

that would be pointless cos AMEX can still do a HP even with a locked EX file. This literally happened to me and I was completely bewildered how the HP still went through. Maybe a credit freeze would've prevented it versus a locked file... idk. Besides if OP freezes their credit, they run the chance of not being successful with a preapproval which could flag the app for manual processing. Best to just leave file open, run the preapproval then depending on the result decide whether or not they're willing to take a HP assuming one will be performed and if a SUB is offered.

Re: Get AMEX BCE for 2nd Time?

UncleB — Fri, 13 Jun 2025 05:38:27 GMT

You not only have the lifetime language working against you (which you might could overcome) but you also currently have the BCP which is another hurdle to jump.

https://www.doctorofcredit.com/american-express-adds-family-language-to-blue-cash-cards/

Others might have slipped under the wire, but if it were me I wouldn't count on it working out. On the plus side this is Amex, so you'll get a pop-up saying you're ineligible for the bonus if that's the case so you won't get the account for nothing.

If you pull the trigger be sure to let us know how it works out!