AMEX BCP and BCE Dining Category?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

It depends what you mean by "a lot".   If you spend enough, the Old Blue Cash is better.   And if you really really value MR, PRG can be better.

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Naw.  Just put your first 6K on the preferred then swap to another card that gives 3% (there are more than 1 that do this for grocery.

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It really depends....   On $6K spend, BCP gives $360- $95 AF (for those with the new fee).   If you "prime" the OBC correctly, you get $300 back on that $6K spend (5%)  And then goes up to $50K spend.

[Anonymous]

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@Anonymous wrote:

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It really depends....   On $6K spend, BCP gives $360- $95 AF (for those with the new fee).   If you "prime" the OBC correctly, you get $300 back on that $6K spend (5%)  And then goes up to $50K spend.

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Sorry, not sure what you mean by "prime".  Can you explain?  And by "OBC" are you referring to the every day card or something else?

Edit: Just found it, old blue cash.  So I take it this card is no longer avail.  Interesting card.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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It really depends....   On $6K spend, BCP gives $360- $95 AF (for those with the new fee).   If you "prime" the OBC correctly, you get $300 back on that $6K spend (5%)  And then goes up to $50K spend.

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Sorry, not sure what you mean by "prime".  Can you explain?  And by "OBC" are you referring to the every day card or something else?

Edit: Just found it, old blue cash.  So I take it this card is no longer avail.  Interesting card.

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Actually it is still available.  You have to open this link in incognito mode to get to it. Amex hides it well

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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It really depends....   On $6K spend, BCP gives $360- $95 AF (for those with the new fee).   If you "prime" the OBC correctly, you get $300 back on that $6K spend (5%)  And then goes up to $50K spend.

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Sorry, not sure what you mean by "prime".  Can you explain?  And by "OBC" are you referring to the every day card or something else?

Edit: Just found it, old blue cash.  So I take it this card is no longer avail.  Interesting card.

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Actually it is still available.  You have to open this link in incognito mode to get to it. Amex hides it well

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Thanks.  From what I can gather, this card would only really make sense if you spend a ton on groceries and gas in a year, since the first 6500 is only 1% back.  I'll do the math later, but I don't think I'm anywhere near the threshold needed.

Just to "prime" the card first, it seems  you have to do so via gas or grocery (other purchases only give 0.5%).  Cards give 4% already on gas, so that would be a 3% loss.  Our household spends ~ $600 on avg a month on groceries so it wouldnt make sense to "prime" the card that way. 

Yeah, this card wouldn't make any sense for me.

I'm interested in seeing a scenario where it would make good sense versus the new card in combination with something like the citi costco that gives 4% on gas.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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It really depends....   On $6K spend, BCP gives $360- $95 AF (for those with the new fee).   If you "prime" the OBC correctly, you get $300 back on that $6K spend (5%)  And then goes up to $50K spend.

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Sorry, not sure what you mean by "prime".  Can you explain?  And by "OBC" are you referring to the every day card or something else?

Edit: Just found it, old blue cash.  So I take it this card is no longer avail.  Interesting card.

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Actually it is still available.  You have to open this link in incognito mode to get to it. Amex hides it well

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Thanks.  From what I can gather, this card would only really make sense if you spend a ton on groceries and gas in a year, since the first 6500 is only 1% back.  I'll do the math later, but I don't think I'm anywhere near the threshold needed.

Just to "prime" the card first, it seems  you have to do so via gas or grocery (other purchases only give 0.5%).  Cards give 4% already on gas, so that would be a 3% loss.  Our household spends ~ $600 on avg a month on groceries so it wouldnt make sense to "prime" the card that way. 

Yeah, this card wouldn't make any sense for me.

I'm interested in seeing a scenario where it would make good sense versus the new card in combination with something like the citi costco that gives 4% on gas.

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@Anonymous is very familiar with the card so he's the one that can give you some ideas.

[Anonymous]

@longtimelurker -- can you provide the math of how the old card makes sense versus the new one?  Just curious is all, because I can't see how it does.

[Anonymous]

I was thinking that the BCE has a bonus on Department Stores but I saw that my Nordstrom purchase has no bonus for it.  I would prefer the Department store bonus.  You might not shop at department stores but Nordstrom, seems to be very packed every time I go there and there and there are plenty of cards that give three percent on dining.  For example my NFCU Go Rewards.  

[Anonymous]

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@Anonymous wrote:

@Anonymous -- can you provide the math of how the old card makes sense versus the new one?  Just curious is all, because I can't see how it does.

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Posting details would upset some people here, so I won't

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

@Anonymous -- can you provide the math of how the old card makes sense versus the new one?  Just curious is all, because I can't see how it does.

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Posting details would upset some people here, so I won't

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Not sure why that would be the case, it should just be simple math.   PM me if you're really concerned.