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They are gone when I use an incognito browser. I am still being offered an upgrade to EDP for my sock-drawered ED.
I still have an Everyday that is only used for the occasional Amazon MR promotion, otherwise it's in the sock drawer.
Hopefully they'll do something interesting with it; it's been in need of a refresh for a while now.
If not, I'll continue to give it a keep-alive charge every six months or so. ¯\_(ツ)_/¯
Just go for Business Blue Cash. I just got one last month.
It only impacts business credit score. It does not even register on personal credit history for me.
@UncleB wrote:I still have an Everyday that is only used for the occasional Amazon MR promotion, otherwise it's in the sock drawer.
Hopefully they'll do something interesting with it; it's been in need of a refresh for a while now.
If not, I'll continue to give it a keep-alive charge every six months or so. ¯\_(ツ)_/¯
You got me curious so I had to look up the last time I used mine. It was March 11 of 2023. Amex must have a pretty lengthy non-usage period. I agree, though. Hopefully they give me a reason to figure out where it even is in my office.
@Vash wrote:Just go for Business Blue Cash. I just got one last month.
It only impacts business credit score. It does not even register on personal credit history for me.
In my case, the only reasons I keep the Everyday open is for the FICO score benefits of it being an old account with a large credit limit. Getting a brand new Blue Business Cash account, which doesn't report to the bureaus, doesn't fulfill the same purpose. Besides, I already have a Citi Double Cash for 2% cash back.
Just so I'm clear: when you say "Everyday" you are referring to the AmEx Everyday card, not the Blue Cash Everyday card, right? The three that AmEx nixed are AmEx Blue, AmEx Everyday, and the Cash Magnet card? Did I get that right? Were those all part of the same card family?
FICO® 8: 791 (Eq) · 764 (Ex) · 749 (TU)
On-Time: 100% | Util: 13% | AoOA: 21y 6m | AAoA: 7y 9m
AoYA: 3m | New: 3/6 4/12 4/24 | Inq: 4/6 6/12 6/24 | Loans: 0
@Varsity_Lu wrote:Just so I'm clear: when you say "Everyday" you are referring to the AmEx Everyday card, not the Blue Cash Everyday card, right? The three that AmEx nixed are AmEx Blue, AmEx Everyday, and the Cash Magnet card? Did I get that right? Were those all part of the same card family?
Blue (with Membership Rewards Express points) came out first. Later, Amex Everyday and Everyday Preferred (with full Membership Rewards points) came out and some customers were allowed to PC to those from Blue. I was one of those customers who switched from Blue to Everyday. These cards are completely separate from the Blue Cash family with no product changes normally allowed between the families. For a period of time, some customers were targeted to allow a switch from Blue to Cash Magnet, thereby circumventing the restriction to go from MR points to cashback.
@UncleB wrote:If not, I'll continue to give it a keep-alive charge every six months or so. ¯\_(ツ)_/¯
I think as long as you have other active accounts with AmEx they don't generally shut down unused accounts. At least I've seen DPs that suggest as much and tested the theory and they've given me retention offers on no AF cards that I stopped using for long periods.
@NoHardLimits wrote:
@Varsity_Lu wrote:Just so I'm clear: when you say "Everyday" you are referring to the AmEx Everyday card, not the Blue Cash Everyday card, right? The three that AmEx nixed are AmEx Blue, AmEx Everyday, and the Cash Magnet card? Did I get that right? Were those all part of the same card family?
Blue (with Membership Rewards Express points) came out first. Later, Amex Everyday and Everyday Preferred (with full Membership Rewards points) came out and some customers were allowed to PC to those from Blue. I was one of those customers who switched from Blue to Everyday. These cards are completely separate from the Blue Cash family with no product changes normally allowed between the families. For a period of time, some customers were targeted to allow a switch from Blue to Cash Magnet, thereby circumventing the restriction to go from MR points to cashback.
I was one of those that switched from the old "Blue" to the Cash Magnet. The Blue card wasn't all that useful; 1 point for every $1 spent, no bonuses to get extra points or anything like that, and it took a LOT of points to redeem for things like gift cards. The point to dollar value conversion was super tiny, so doing the PC to the Cash Magnet was a no-brainer for me. It's a decent, basic cash-back card. My guess is that if it's being discontinued the existing cards will remain as is; they won't mandate conversions to whatever they replace it with. I'm not surprised AmEx is retooling the lineup of the basic Blue and Everyday cards. There are much better options for basic cards out there that offer better value. However, I don't think they'll add a flat 2% card. Seems too conventional for Amex. Just a gut feeling with nothing to back it up
@blossom_rebuilding wrote:I was one of those that switched from the old "Blue" to the Cash Magnet. The Blue card wasn't all that useful; 1 point for every $1 spent, no bonuses to get extra points or anything like that, and it took a LOT of points to redeem for things like gift cards. The point to dollar value conversion was super tiny, so doing the PC to the Cash Magnet was a no-brainer for me. It's a decent, basic cash-back card. My guess is that if it's being discontinued the existing cards will remain as is; they won't mandate conversions to whatever they replace it with. I'm not surprised AmEx is retooling the lineup of the basic Blue and Everyday cards. There are much better options for basic cards out there that offer better value. However, I don't think they'll add a flat 2% card. Seems too conventional for Amex. Just a gut feeling with nothing to back it up
Sometimes a gut feeling is the best indicator. If Amex doesn't add a flat 2% or 2pt consumer card, my next hope would be MR points versions of the Blue Cash family. Right now, the Blue Cash rewards categories are leaps and bounds better than the MR participating EveryDay cards.
And Amex, please pick new names that don't confuse everyone. Blue, Blue Cash Everyday, EveryDay, old Blue Cash... my goodness.