topic Re: Got the BCE to BCP Hookup in Credit Cards

Got the BCE to BCP Hookup

mgood — Wed, 13 Aug 2025 03:19:34 GMT

I've been waiting for this, ignoring the standard offer of $75 back to upgrade ever since I downgraded my BCP to BCE.

Today I got the $150 back and no fee for one year upgrade offer

Re: Got the BCE to BCP Hookup

FicoMike0 — Wed, 13 Aug 2025 03:45:57 GMT

Congratulations!

Re: Got the BCE to BCP Hookup

Debt-is-a-Scam — Wed, 13 Aug 2025 04:50:43 GMT

Good job, dude!!! I was offered that card as well, but I don't use prescription drugs nor have a family. Not a big fan of annual fees either. So just got the custom cash card instead for 5% back.

Re: Got the BCE to BCP Hookup

USMCOne — Wed, 13 Aug 2025 09:25:24 GMT

I got both but in particular like the BCP. Probably one of the best cash back cards out there even with the annual fee. I viewed the bonus as negating about year and a half of annual fees then first year is annual fee free. Enjoy it!

Re: Got the BCE to BCP Hookup

Rebuild2019 — Wed, 13 Aug 2025 09:39:28 GMT

Congratulations @mgood AMEX has been giving me the same $75 (I downgraded my card too a few years ago). I might consider it for the $150.

Re: Got the BCE to BCP Hookup

Varsity_Lu — Wed, 13 Aug 2025 11:19:13 GMT

Congrats @mgood ! I have a few things maybe you can answer: first, when is your annual renewal date? I'm curious about the "no fee for a year" wording. If you accept this offer like 2 months before your renewal, what will happen at renewal? Is the no fee only until the next renewal? Or, if you wait until after your renewal date and then accept, do you get ta full year free? Do they maybe prorate fees based on when you accept?

I downgraded to BCE in April and am planning to upgrade after my renewal next April so I can get 2 years (last half of 2026 and first half of 2027) of 6% grocery benefit before I have to downgrade again.

Re: Got the BCE to BCP Hookup

mgood — Wed, 13 Aug 2025 11:30:16 GMT

@Debt-is-a-Scam wrote:
Not a big fan of annual fees either.

I'm not paying annual fees on this

@Varsity_Lu wrote:
Congrats @mgood ! I have a few things maybe you can answer: first, when is your annual renewal date? I'm curious about the "no fee for a year" wording. If you accept this offer like 2 months before your renewal, what will happen at renewal? Is the no fee only until the next renewal? Or, if you wait until after your renewal date and then accept, do you get ta full year free? Do they maybe prorate fees based on when you accept?

I downgraded to BCE in April and am planning to upgrade after my renewal next April so I can get 2 years (last half of 2026 and first half of 2027) of 6% grocery benefit before I have to downgrade again.

I got the BCP in April 2024. Got the SUB and no annual fee for the first year.
When the $95 fee posted this year, I called and downgraded to BCE. The $95 was credited back to my account.
Here we are a few months later and they offered me an upgrade deal with no annual fee for another year. I accepted.
When that fee posts in a year or so, I'll downgrade again.

Re: Got the BCE to BCP Hookup

Varsity_Lu — Wed, 13 Aug 2025 11:56:19 GMT

@mgood

So, accepting the offer in August resets and moves your renewal date from April to Aug?

Re: Got the BCE to BCP Hookup

unsungivy — Wed, 13 Aug 2025 12:29:28 GMT

@Varsity_Lu wrote:
@mgood

So, accepting the offer in August resets and moves your renewal date from April to Aug?

Yes and no? I mean, your card is still x years old based on when you opened it. Your due date/statement date is whenever you set it to. Neither of those change. But you will get the AF billed based on when you accepted the offer, not based on the date your card was opened. I just got billed the 1 yr AF on 8/10/2025 after having accepted that same offer 8/10/2024.

Re: Got the BCE to BCP Hookup

JoeRockhead — Wed, 13 Aug 2025 12:47:51 GMT

Nice offer, congratulations on your upgrade!

Re: Got the BCE to BCP Hookup

Varsity_Lu — Wed, 13 Aug 2025 14:20:23 GMT

@unsungivy wrote:
@Varsity_Lu wrote:
@mgood

So, accepting the offer in August resets and moves your renewal date from April to Aug?
Yes and no? I mean, your card is still x years old based on when you opened it. Your due date/statement date is whenever you set it to. Neither of those change. But you will get the AF billed based on when you accepted the offer, not based on the date your card was opened. I just got billed the 1 yr AF on 8/10/2025 after having accepted that same offer 8/10/2024.

Thank you for this reply. This is exactly what I wanted to know. I guess what I want to avoid is a accepting a no AF deal say in February but only having 2 months to go until my renewal date in April, essentially negating the free AF year. Not sure if that makes sense. Just trying to maximize my AmEx hustle.

Re: Got the BCE to BCP Hookup

mgood — Wed, 13 Aug 2025 14:51:14 GMT

@unsungivy wrote:
@Varsity_Lu wrote:
@mgood

So, accepting the offer in August resets and moves your renewal date from April to Aug?
Yes and no? I mean, your card is still x years old based on when you opened it. Your due date/statement date is whenever you set it to. Neither of those change. But you will get the AF billed based on when you accepted the offer, not based on the date your card was opened. I just got billed the 1 yr AF on 8/10/2025 after having accepted that same offer 8/10/2024.

This. Exactly.

Re: Got the BCE to BCP Hookup

unsungivy — Wed, 13 Aug 2025 17:30:02 GMT

@Varsity_Lu wrote:
@unsungivy wrote:
@Varsity_Lu wrote:
@mgood

So, accepting the offer in August resets and moves your renewal date from April to Aug?
Yes and no? I mean, your card is still x years old based on when you opened it. Your due date/statement date is whenever you set it to. Neither of those change. But you will get the AF billed based on when you accepted the offer, not based on the date your card was opened. I just got billed the 1 yr AF on 8/10/2025 after having accepted that same offer 8/10/2024.
Thank you for this reply. This is exactly what I wanted to know. I guess what I want to avoid is a accepting a no AF deal say in February but only having 2 months to go until my renewal date in April, essentially negating the free AF year. Not sure if that makes sense. Just trying to maximize my AmEx hustle.

Well, I don't see how that could ever happen? The No AF deals are only offered to UPGRADE from a BCE to a BCP. If your card is currently a BCP, you won't get any offers to upgrade... because you're already there. You'd have to downgrade your card to a BCE and then wait patiently to see if they send you the no AF+$150 offer (typically they send you the other offer for $75 WITH an AF first, and you have to be patient till they send you the better one).

Since you have both a BCE and a BCP, maybe they will send your BCE the offer, although you already have a BCP. But that wouldn't affect the AF renewal date on your BCP regards. You'd just have to keep your fingers crossed that the BCE>BCP deal is still available when you're ready to accept it, if you want to wait till your BCP is done with the first year and downgrade it while upgrading your BCE with a deal.

Re: Got the BCE to BCP Hookup

Varsity_Lu — Wed, 13 Aug 2025 17:31:56 GMT

@unsungivy

I don't have a BCP currently. I am an AU on my wife's right now. I did have a BCP from April 2024 to April of 2025, but I downgraded to BCE right after the AF hit. I currently have the $75 SUB upgrade offer on my BCE.

Re: Got the BCE to BCP Hookup

unsungivy — Wed, 13 Aug 2025 17:37:41 GMT

@Varsity_Lu wrote:
@unsungivy

I don't have a BCP currently. I am an AU on my wife's right now. I did have a BCP from April 2024 to April of 2025, but I downgraded to BCE right after the AF hit. I currently have the $75 SUB upgrade offer on my BCE.

Gotcha. Well, either be patient till they send you the better deal, and then have two BCPs at the same time, or downgrade your wife's when the AF hits, and keep your fingers crossed for whenever it may happen.

Re: Got the BCE to BCP Hookup

Varsity_Lu — Wed, 13 Aug 2025 17:47:16 GMT

@unsungivy wrote:
@Varsity_Lu wrote:
@unsungivy

I don't have a BCP currently. I am an AU on my wife's right now. I did have a BCP from April 2024 to April of 2025, but I downgraded to BCE right after the AF hit. I currently have the $75 SUB upgrade offer on my BCE.

Gotcha. Well, either be patient till they send you the better deal, and then have two BCPs at the same time, or downgrade your wife's when the AF hits, and keep your fingers crossed for whenever it may happen.

Well, here's the thing: we max out both of our BCP grocery limit each year. And then some, which is why we have Savor. And my wife has a BCE as well, so we made the decision to just let her cards be and pay the AF for her. I am willing to play the game for a year or two with AmEx and see if we can milk the system a little. Between the two cards (one AF and one no AF) we get 5.2% cash back on groceries. I'm cool with that. Wifey doesn't want to piss of AmEx so she won't let me play the game with her accounts.

Re: Got the BCE to BCP Hookup

unsungivy — Wed, 13 Aug 2025 19:12:34 GMT

@Varsity_Lu wrote:
@unsungivy wrote:
@Varsity_Lu wrote:
@unsungivy

I don't have a BCP currently. I am an AU on my wife's right now. I did have a BCP from April 2024 to April of 2025, but I downgraded to BCE right after the AF hit. I currently have the $75 SUB upgrade offer on my BCE.

Gotcha. Well, either be patient till they send you the better deal, and then have two BCPs at the same time, or downgrade your wife's when the AF hits, and keep your fingers crossed for whenever it may happen.
Well, here's the thing: we max out both of our BCP grocery limit each year. And then some, which is why we have Savor. And my wife has a BCE as well, so we made the decision to just let her cards be and pay the AF for her. I am willing to play the game for a year or two with AmEx and see if we can milk the system a little. Between the two cards (one AF and one no AF) we get 5.2% cash back on groceries. I'm cool with that. Wifey doesn't want to piss of AmEx so she won't let me play the game with her accounts.

Well, you know what I would tell literally anyone other than you to use <3

Re: Got the BCE to BCP Hookup

Varsity_Lu — Wed, 13 Aug 2025 19:23:21 GMT

@unsungivy wrote:
@Varsity_Lu wrote:
Well, here's the thing: we max out both of our BCP grocery limit each year. And then some, which is why we have Savor. And my wife has a BCE as well, so we made the decision to just let her cards be and pay the AF for her. I am willing to play the game for a year or two with AmEx and see if we can milk the system a little. Between the two cards (one AF and one no AF) we get 5.2% cash back on groceries. I'm cool with that. Wifey doesn't want to piss of AmEx so she won't let me play the game with her accounts.
Well, you know what I would tell literally anyone other than you to use <3

5.2% > 5% my friend.

Re: Got the BCE to BCP Hookup

unsungivy — Wed, 13 Aug 2025 21:17:29 GMT

@Varsity_Lu wrote:
@unsungivy wrote:
@Varsity_Lu wrote:
Well, here's the thing: we max out both of our BCP grocery limit each year. And then some, which is why we have Savor. And my wife has a BCE as well, so we made the decision to just let her cards be and pay the AF for her. I am willing to play the game for a year or two with AmEx and see if we can milk the system a little. Between the two cards (one AF and one no AF) we get 5.2% cash back on groceries. I'm cool with that. Wifey doesn't want to piss of AmEx so she won't let me play the game with her accounts.
Well, you know what I would tell literally anyone other than you to use <3
5.2% > 5% my friend.

Your math is wrong... fund it with a 1% debit card and it's 6% Which is what I do, and what I always recommend.

You can also do that with a Citi Custom Cash... pay it monthly with a 1% debit to make it 6% total. For no fee. (But you need to pay over the phone there.)

Re: Got the BCE to BCP Hookup

Yasselife — Wed, 13 Aug 2025 23:22:58 GMT

Congratulations @mgood