topic Re: Received email to app for a AMEX Blue Cash Everyday. Is it worth it? in Credit Cards

Received email to app for a AMEX Blue Cash Everyday. Is it worth it?

chartley3 — Wed, 16 Jul 2014 21:53:43 GMT

Hello All.

I just received an email invite to apply for an AMEX BCE card. I have recently received a PRG from AMEX and in the past month charged and paid off $2800 before the statement cut to show them good responsibility. I have been wanted to close out my Capital One Cards and still have a balance of $1200 on one card that I would love to transfer the balance over as they are offering 15 months of 0% interest. My question is should I pull the trigger on this card or just ignore it. EX is in the 680's and I just finished paying down 10k in card debt. Opinions would be helpful

Re: Received email to app for a AMEX Blue Cash Everyday. Is it worth it?

MT936 — Wed, 16 Jul 2014 21:58:52 GMT

It's a great card why not they generally give really good starting limits too

Re: Received email to app for a AMEX Blue Cash Everyday. Is it worth it?

Anonymous — Thu, 17 Jul 2014 01:25:45 GMT

@MT936 wrote:
It's a great card why not they generally give really good starting limits too

Or.... It's not a great card at all!

Depends on your needs. The Sallie Mae beats the Blue Cash Everyday for rewards for all levels of spending (where either makes sense). If you want an Amex that has some additional value, try the Everyday, that also has no annual fee, but, if you use it 20 times a months, gives a minimum of 1.2MR per $.

No point in getting BCE for the rewards. Really!

Re: Received email to app for a AMEX Blue Cash Everyday. Is it worth it?

mongstradamus — Thu, 17 Jul 2014 02:14:01 GMT

@Anonymous wrote:
@MT936 wrote:
It's a great card why not they generally give really good starting limits too
Or.... It's not a great card at all!

Depends on your needs. The Sallie Mae beats the Blue Cash Everyday for rewards for all levels of spending (where either makes sense). If you want an Amex that has some additional value, try the Everyday, that also has no annual fee, but, if you use it 20 times a months, gives a minimum of 1.2MR per $.

No point in getting BCE for the rewards. Really!

Yep I got same email if it were something like 10 or 15k miles for ED I would think about it.

Re: Received email to app for a AMEX Blue Cash Everyday. Is it worth it?

Membersince2013 — Thu, 17 Jul 2014 03:47:45 GMT

Just to put things in perspective, i got the same email and i already have the card...

Re: Received email to app for a AMEX Blue Cash Everyday. Is it worth it?

mongstradamus — Thu, 17 Jul 2014 03:53:29 GMT

@Membersince2013 wrote:
Just to put things in perspective, i got the same email and i already have the card...

guess they just sent it to everybody just like PRG offer that went out earlier in the summer. I don't feel special at all :-(

Re: Received email to app for a AMEX Blue Cash Everyday. Is it worth it?

BluePoodle — Thu, 17 Jul 2014 03:57:54 GMT

I received the same email. If you like the card and want to get in with Amex it's a decent card. True, SM beats the BCE in cash back. But everyone has different wants/needs.

Re: Received email to app for a AMEX Blue Cash Everyday. Is it worth it?

mongstradamus — Thu, 17 Jul 2014 04:09:26 GMT

@BluePoodle wrote:
I received the same email. If you like the card and want to get in with Amex it's a decent card. True, SM beats the BCE in cash back. But everyone has different wants/needs.

I wanty the prg 50k offer , make it happen :-)

Re: Received email to app for a AMEX Blue Cash Everyday. Is it worth it?

Membersince2013 — Thu, 17 Jul 2014 12:08:25 GMT

@mongstradamus wrote:
@Membersince2013 wrote:
Just to put things in perspective, i got the same email and i already have the card...
guess they just sent it to everybody just like PRG offer that went out earlier in the summer. I don't feel special at all :-(

Yeah, this is the first time they're sending me an email for a card i already have though. They send me the 25,000 MRP PRG offer, but like you, i'm just going to sit tight and wait for the 50,000 offer.They will be my first charge card!

Re: Received email to app for a AMEX Blue Cash Everyday. Is it worth it?

irrational — Thu, 17 Jul 2014 12:27:57 GMT

They sent me that same email too, and I have a BCP... didn't think you could have both BCE & BCP. I think they're just mailing it out to everyone.

Also, the same day I got an email offer to apply to the Gold Delta SkyMiles, with a bonus 35K air miles + $50 credit.

Re: Received email to app for a AMEX Blue Cash Everyday. Is it worth it?

Bblack31 — Thu, 17 Jul 2014 12:37:01 GMT

@Membersince2013 wrote:
@mongstradamus wrote:
@Membersince2013 wrote:
Just to put things in perspective, i got the same email and i already have the card...
guess they just sent it to everybody just like PRG offer that went out earlier in the summer. I don't feel special at all :-(
Yeah, this is the first time they're sending me an email for a card i already have though. They send me the 25,000 MRP PRG offer, but like you, i'm just going to sit tight and wait for the 50,000 offer.They will be my first charge card!

Try Creditcards.com, that is where I got my 50K offer for PRG.

Re: Received email to app for a AMEX Blue Cash Everyday. Is it worth it?

takeshi74 — Thu, 17 Jul 2014 13:36:16 GMT

@chartley3 wrote:
My question is should I pull the trigger on this card or just ignore it.

Are you only apping because you received an offer? You really need to give us a lot more info if you want feedback. Is this card suited to you? Are its rewards optimal for your spend? The BCE is rarely the best option from a rewards standpoint when compared to the Sallie Mae, BCP or the old Blue Cash. There's a chart floating about comparing rewards for different levels of spend for the BCE, BCP & Sallie Mae if you don't want to do the math yourself.

Don't just respond to offers. They're just marketing. FInd cards that suit you and go after them.

Re: Received email to app for a AMEX Blue Cash Everyday. Is it worth it?

mongstradamus — Thu, 17 Jul 2014 16:42:54 GMT

@Bblack31 wrote:
@Membersince2013 wrote:
@mongstradamus wrote:
@Membersince2013 wrote:
Just to put things in perspective, i got the same email and i already have the card...
guess they just sent it to everybody just like PRG offer that went out earlier in the summer. I don't feel special at all :-(
Yeah, this is the first time they're sending me an email for a card i already have though. They send me the 25,000 MRP PRG offer, but like you, i'm just going to sit tight and wait for the 50,000 offer.They will be my first charge card!
Try Creditcards.com, that is where I got my 50K offer for PRG.

I have tried and i don't get anything but BOA, Cap One , Simmons and First Premier. Today i just checked and got an barclays card as well.

Re: Received email to app for a AMEX Blue Cash Everyday. Is it worth it?

Anonymous — Thu, 17 Jul 2014 17:44:40 GMT

@Membersince2013 wrote:
@mongstradamus wrote:
@Membersince2013 wrote:
Just to put things in perspective, i got the same email and i already have the card...
guess they just sent it to everybody just like PRG offer that went out earlier in the summer. I don't feel special at all :-(
Yeah, this is the first time they're sending me an email for a card i already have though. They send me the 25,000 MRP PRG offer, but like you, i'm just going to sit tight and wait for the 50,000 offer.They will be my first charge card!

Hello Membersince2013,

I was just wondering if all the CC's in your signiture are active? If so that is an amazing collection!

Re: Received email to app for a AMEX Blue Cash Everyday. Is it worth it?

IrishPM — Thu, 17 Jul 2014 23:45:12 GMT

I use the BCE AMEX every day. The cash back rewards add up quick for me but then again I use it for everything like cable bill, cell phone, groceries, gas, insurance and pay the bill in full each month. The introductory offer I had was $1k in first 3 months and they'd send a $100 AMEX gift card...true to their word, I received it within a week of going over the $1k mark. I think it's a great card but not everyone has the same needs.

Re: Received email to app for a AMEX Blue Cash Everyday. Is it worth it?

Anonymous — Fri, 18 Jul 2014 00:01:41 GMT

@IrishPM wrote:
I use the BCE AMEX every day. The cash back rewards add up quick for me but then again I use it for everything like cable bill, cell phone, groceries, gas, insurance and pay the bill in full each month. The introductory offer I had was $1k in first 3 months and they'd send a $100 AMEX gift card...true to their word, I received it within a week of going over the $1k mark. I think it's a great card but not everyone has the same needs.

It's fine you like it, but people should consider the alternatives. You are using it for everything. Outside the bonus categories, this card gets 1%. (And since it's not a travel point like a UR/MR/SPG, it's not going to be more valuable than 1%). Something like the QuickSilver gives 1.5% everywhere (and others, like Fidelity Amex) give more.

Inside the bonus categories, the Sallie Mae does much better (see TheManWhoCan's handy chart). Plus, the rewards from BCE are delayed to the FOLLOWING month's statement closes, unlike most cards which either credit at statement close, or, like Quicksilver and Sallie Mae, when the transaction posts. There is also a minimum of $25 redemption (Sallie Mae has this too, Quicksilver doesn't).

So, objectively, looked at from a rewards perspective, it is not very good. This is not meant to be an attack on those that have it (since I have it itoo!) but to me part of the point of the forum is to point out things that really may be useful to others. And basically, there are much better reward cards than this, and among free Amex cards, the Everyday is superior as well.

Re: Received email to app for a AMEX Blue Cash Everyday. Is it worth it?

Anonymous — Fri, 18 Jul 2014 00:45:05 GMT

What is the min credit score for the Amex ED and BCE cards. I have the PG, Plat and Delta but got denied for the ED 2x. My scores are in the high 600's.

Re: Received email to app for a AMEX Blue Cash Everyday. Is it worth it?

woodyman100 — Fri, 18 Jul 2014 00:51:03 GMT

It's probably just a marketing email. I get them too. Usually right after a denial for the very same card

Re: Received email to app for a AMEX Blue Cash Everyday. Is it worth it?

Membersince2013 — Fri, 18 Jul 2014 06:33:46 GMT

Hello Membersince2013,

I was just wondering if all the CC's in your signiture are active? If so that is an amazing collection!

Thanks

They are active. I just PC'd the worthless ThankYou Preferred card to a Platinum Select.