topic Re: AMEX BCE vs Costco? in Credit Cards

AMEX BCE vs Costco?

electra — Thu, 09 May 2013 14:22:14 GMT

Which is better?

'splain...

Re: AMEX BCE vs Costco?

Anonymous — Thu, 09 May 2013 14:25:15 GMT

Do you have a Costco membership? I like the Costco because it looks cooler :-P

Re: AMEX BCE vs Costco?

electra — Thu, 09 May 2013 14:34:10 GMT

I do have a Costco membership. In fact, they just talked me into upgrading it the other day to "executive"....oooh! (We'll see if I keep it.)

Funny, I actually like the look of the BCE better but, looks are only skin (or plastic) deep. Which is a "better" card and why?

Re: AMEX BCE vs Costco?

dabrian — Thu, 09 May 2013 14:46:32 GMT

Kinda off topic but does anyone know if you use a BCP at Costco do you get the 60% percent.

Re: AMEX BCE vs Costco?

Anonymous — Thu, 09 May 2013 14:52:10 GMT

Which is better depends on your situation.

If you have a Costco membership, then you don't need to worry about the True Earnings Card's AF, so that's a bonus.

In order to determine which is best, we'd need to know how much money you figure you spend at Costco, how much you spend at grocery stores, and how much you spend on gas.

The Costco True Earnings card will be worth more if you do most of your shopping at Costco and also get most of your gas there. If you go to other stores more often, the BCE may be best.

Re: AMEX BCE vs Costco?

youngandcreditwrthy — Thu, 09 May 2013 15:52:15 GMT

You could just get both.
Costco offers more cashback on gas!

Re: AMEX BCE vs Costco?

nicholasyud — Thu, 09 May 2013 15:56:41 GMT

Costco code as wholesale so u only can get 1%

Re: AMEX BCE vs Costco?

rex_03 — Thu, 09 May 2013 15:59:37 GMT

I wouldn't mind a Costco card, but I don't have one in my area. So the choice was BCE... They both seem pretty comparable card wise too, so the one that suits you best.

Re: AMEX BCE vs Costco?

Anonymous — Thu, 09 May 2013 16:00:20 GMT

Also I believe your TrueEarnings "cash back" is a check cut to you for use at Costco whereas the BCE is Reward Dollars that can be redeemed as statement credit.

TE is 3% on Costco and standalone gas up to $4000 annually / BCE is 2%

BCE is 3% on groceries up to $6000 annually / TE is standard 1%

BCP is 6% on groceries...

And from what I hear the BCE/BCP/Blue cards are all pretty elementary looking. I'm weird like that, I like the look of my cards as much as I do their rewards and credit limits

Re: AMEX BCE vs Costco?

dabrian — Thu, 09 May 2013 16:20:50 GMT

And I obviously meant 6%.

Re: AMEX BCE vs Costco?

youngandcreditwrthy — Thu, 09 May 2013 16:23:53 GMT

BCE isn't elementary looking!
It's sexxxyy... I like the holographic, detailed clear look though.

Re: AMEX BCE vs Costco?

Anonymous — Thu, 09 May 2013 17:17:50 GMT

@youngandcreditwrthy wrote:
BCE isn't elementary looking!
It's sexxxyy... I like the holographic, detailed clear look though.

It isn't elementary looking, but it feels VERY flimsy and cheaply made

Re: AMEX BCE vs Costco?

electra — Thu, 09 May 2013 17:19:40 GMT

I guess I shop more than I thought as Costco since I spent enough to make the executive membership worthwhile but I do most of my shopping at Whole Foods. I buy gas when I can at Costco but it's not exactly conveniently located so I'd say I get my gas there maybe 1/4 to 1/3 of the time. So, maybe the BCE would be better.

Re: AMEX BCE vs Costco?

Revelate — Thu, 09 May 2013 18:38:38 GMT

BCE/P is an every day card for groceries / gas.

Costco, if you need restaurant and I think limited travel rewards, trends better. I haven't penciled it out as I know my grocery bill is going to go way up and my restaurant bills will go down post mortgage, but right now the TE card would spank my BCP for me personally rewards wise... and I've already made my AF back and then some on the BCP only having it for four months.

Re: AMEX BCE vs Costco?

Anonymous — Thu, 09 May 2013 19:01:26 GMT

Lets not forget that the TE rate is 15.24, the BCE has that 'creditworthiness range' <sigh>

Re: AMEX BCE vs Costco?

broseph23 — Thu, 09 May 2013 19:02:25 GMT

@Anonymous wrote:
Also I believe your TrueEarnings "cash back" is a check cut to you for use at Costco whereas the BCE is Reward Dollars that can be redeemed as statement credit.

TE is 3% on Costco and standalone gas up to $4000 annually / BCE is 2%
BCE is 3% on groceries up to $6000 annually / TE is standard 1%
BCP is 6% on groceries...

And from what I hear the BCE/BCP/Blue cards are all pretty elementary looking. I'm weird like that, I like the look of my cards as much as I do their rewards and credit limits

TE does not earn 3% on Costco purchases other than gas, unless you have the Executive membership.

TE Rewards breakdown:

Gold Membership: 3% Gas (including Costco gas), 2% Travel, 2% Dining, 1% Everything else (this includes Costco non-gas purchases)

Executive Membership: 3% Gas (including costco), 3% Costco purchases (1% + 2% executive rewards for costco purchases), 2% Dining, 2% Travel, 1% Everything else

Re: AMEX BCE vs Costco?

Anonymous — Thu, 09 May 2013 19:50:40 GMT

I was referring to Costo GAS purchases.

Re: AMEX BCE vs Costco?

broseph23 — Thu, 09 May 2013 20:24:33 GMT

@Anonymous wrote:
I was referring to Costo GAS purchases.

Gotcha

Re: AMEX BCE vs Costco?

Creditaddict — Thu, 09 May 2013 20:28:38 GMT

Now that I have gotten my partner to get both I can tell you:

Currently Costco is running a promo if you are an Executive member and apply for the Costco Amex I think Personal is giving $50 Cash Bonus and Business $75.

Now, Blue Cash Preferred pays for itself up to max a year for grocery but after that I think and I'm shocked to say with a closer look, Costco is better for Gas and Restaurant.

Blue does kick in the Department store.

Re: AMEX BCE vs Costco?

CribDuchess — Fri, 10 May 2013 04:12:03 GMT

I have both and I use them both, so I recommend you get both of them. I like the Costco TE for the 3% on gas and the 2% on dining. I like the BCE for the 3% on groceries and 2% on dept stores.