Did AmEx BBC Just Become A 4.5% Everything Card?

[Varsity_Lu]

Got a targeted offer to add an employee card to my Blue Buisness Cash acccount and get a bonus $100 cash back on $4,000 spend within 6 months.  This is in addition to the 2% it would earn. So, did this just become my 4.5% on everything card for the next 6 months? What am I missing? Oh and my wife counts as an employee, right?

[GZG]

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@Varsity_Lu wrote:

Got a targeted offer to add an employee card to my Blue Buisness Cash acccount and get a bonus $100 cash back on $4,000 spend within 6 months.  This is in addition to the 2% it would earn. So, did this just become my 4.5% on everything card for the next 6 months? What am I missing? Oh and my wife counts as an employee, right?

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that offer typically allows up to 5 employee cards, per the terms, won't be a problem at all

the terms do technically say they might come after P2 for payment should you not pay it back, just something to be aware of

[Varsity_Lu]

I'm assuming since it's a business card, it won't appear on her personal credit report, right? 

[CreditCuriosity]

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@Varsity_Lu wrote:

I'm assuming since it's a business card, it won't appear on her personal credit report, right? 

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correct

[DakotaM]

I have a similar offer on my Blue Business Plus for 15k points after $4k spend, coming out to 5.75x points!

[jdsinm]

thanks for the post. I see the same thing. I havent used my card in about 6 months and just started driving some volume last 2 weeks but didnt see this offer 2 weeks ago.I'll take advantage of this.

Also have something for a 7.99%  promo apr for 6 months too.

Thanks again for the post 

[Total_Synergy]

Yes @Varsity_Lu your thinking is spot on.  All prior comments are as well.  A little love from Amex on the business side!

[reluctantgarden]

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@Varsity_Lu wrote:

Got a targeted offer to add an employee card to my Blue Buisness Cash acccount and get a bonus $100 cash back on $4,000 spend within 6 months.  This is in addition to the 2% it would earn. So, did this just become my 4.5% on everything card for the next 6 months? What am I missing? Oh and my wife counts as an employee, right?

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I constantly churn these using my wife/P2 as the employee: five times on BBPs earlier this year, currently on my BBC, and just got my first of five BBPs for the next round. I put everything that isn't groceries (6% BCP) or a 5% quarterly category (Discos, CFF) on them. 

[Varsity_Lu]

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@reluctantgarden wrote:
I constantly churn these using my wife/P2 as the employee: five times on BBPs earlier this year, currently on my BBC, and just got my first of five BBPs for the next round. I put everything that isn't groceries (6% BCP) or a 5% quarterly category (Discos, CFF) on them. 

So, do you add them, get the bonus, delete them, and then add them again? It looks like they are going to need a SSN at some point.

[SouthJamaica]

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@Varsity_Lu wrote:

Got a targeted offer to add an employee card to my Blue Buisness Cash acccount and get a bonus $100 cash back on $4,000 spend within 6 months.  This is in addition to the 2% it would earn. So, did this just become my 4.5% on everything card for the next 6 months? What am I missing? Oh and my wife counts as an employee, right?

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Call me a wet blanket but wouldn't it be violating the fine print to (a) add someone who's not actually an employee as an employee, and (b) use the business card for non-business purchases?