AMEX Blue Cash Preferred Grocery Cap

[dudley]

How many of you guys (girls?) have the BCP card and how fast do you run out of the $6000 grocery cap for the 6% and what do you use after?

I am thinking of the astronomical rise of groceries and how tariffs (if enacted) will affect it. 

It just seems that the $6000 cap is getting lamer and lamer. I use this card because it is my oldest tradeline (24 years).

[GZG]

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@dudley wrote:

How many of you guys (girls?) have the BCP card and how fast do you run out of the $6000 grocery cap for the 6% and what do you use after?

I am thinking of the astronomical rise of groceries and how tariffs (if enacted) will affect it. 

It just seems that the $6000 cap is getting lamer and lamer. I use this card because it is my oldest tradeline (24 years).

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here's to hoping the 2025 revamps include increases to the caps because it was $6k like however many years ago where you could buy I'm sure 1.5-3x more than you can now

you could always product change down to the BCE if you don't want to pay the AF anymore, and then hopefully get an upgrade offer to go back to the BCP in order to be paid to hold the BCP, but if you're using the $6k cap, I imagine it's still a well worthwhile card for you

[Varsity_Lu]

@dudley 

About 4-5 months to reach the $6k max. My wife and I both have a BCP and we max them both out each year. We use Savor for the 2-3 months we are maxed out waiting for the reset.

[ptatohed]

Unless you are maxing out the $6k grocery spend and maybe using some of the other benefits (6% streaming, streaming credit) you might be better off using a 5% card with no AF.

$6000 x .06 = $360 - $95 = $265 / $6000 = 4.4% Cash Back.  (at exact $6000 spend only)

[Anonymous]

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@ptatohed wrote:

Unless you are maxing out the $6k grocery spend and maybe using some of the other benefits (6% streaming, streaming credit) you might be better off using a 5% card with no AF.

$6000 x .06 = $360 - $95 = $265 / $6000 = 4.4% Cash Back.  (at exact $6000 spend only)

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RIght, I use the BCP only when I have upgraded to it with waived annual fee.    We mainly use Chase Amazon as most of our stuff is brought at Whole Foods.  For other places (mainly Trader Joes) I use Freedom/Discover/Dividend if a) it's the right quarter and b) I remember, otherwise the US Bank Altitude Reserve.

But in general, if you get 4% on smartly, that's not a bad choice for uncapped grocery spend.

[FicoMike0]

I just recently took the bcp upgrade. I'm going to keep track, but I doubt we'll exceed $6000. Just two of us. Right now I'm looking to put on the $1000 spend for the sub. That shouldn't take long.

As far as the tariffs, which I don't think will happen, my wife asked about that. We did an inventory of the pantry, nothing from mexico, Canada or china. No avocados in the fridg. Even the maple syrup is from Vermont.

[ElvisCaprice]

Since this card doesn't include Walmart or Costco.  I would be lucky to spend $500 for the entire year.  Thus I just use a Citi Custom Cash for the 5 to 5.55%.  I would get it just for the SUB, but it would be difficult to put enough organic spend on it for the SUB.  I would use it for financing a new checking account but there are very few, if any, that take AMEX.  

So it's a no can do, AMEX.

[markbeiser]

I exceeded the $6k cap last year, even with using my Discover when grocery was the 5% category, and various enhanced CB grocery offers on some of my other cards.
80-90% of my grocery spend is at a local butcher shop that sells ungraded grass fed/finished beef for cheap, and also pastured eggs and raw milk cheese, so was not hard to max it just shopping for one person.
It would certainly be nice if they raised the cap...

[MitchDeerfield]

Citi Custom Cash pays 5% cashback on groceries, no AF.

[jcar]

I would recommend the Citi Custom Cash card. It's my go to card for groceries. And it does not have an annual fee either.

I've also seen people have 2 Custom Cash cards. Not sure if you have to product change or if you can just straight up apply for another but it's helpful either way to have 2 if you spend more than $500/mo in groceries.