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American Express BCE?

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distantarray
Established Contributor

American Express BCE?

I honestly don't understand why anyone in the world would get a BCE over a BCP?

 

Even with the nerfs to both cards to $6,000 in groceries if you do the math..  $75 annual fee on the BCP is taken care of if you spend $25 a week JUST in groceries.

 

Now if you spend $50 a week in groceries you'll have the same amount of savings from BCE.

 

It's also safe to say if your buying gas and shopping at department stores the higher tiers on the BCP should save you even more money. I understand that people sockdrawer cards, but BCP being best card in the market for groceries, this should be one of the last sockdrawered card, and if you were going to sock drawer it, you could always product change it to another card or change it to a BCE.

 

 


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 1 of 27
26 REPLIES 26
Anonymous
Not applicable

Re: American Express BCE?

2 words. Annual fee. While what you state is true even on paper but most people see the words annual fee and run!
Message 2 of 27
distantarray
Established Contributor

Re: American Express BCE?


@Anonymous wrote:
2 words. Annual fee. While what you state is true even on paper but most people see the words annual fee and run!

still I want to bang my head against the wall when people don't do the math =\

 

Like my friend's gf was buying protein and I read the label. $29 EAS Protein 240 calories 20grams of protein per serving. 20 servings per bag. Sounds fine, but another one was $35 Muscle Tech protein 70 servings per bag 20 grams of protein 120 calories. (which tastes a lot better imo)

 

So she wanted a lower calorie protein with more servings, I hate how people don't read sometimes, maybe I'm a bit weird but if you look at supermarkets I count everything =p  sometimes buying smaller saves money over buying bulk (don't understand it but works sometimes)

 

But yea personally I hate annual fees, but 2 cards I don't worry about annual fees is BCP and Chase Sapphire. BCP cause I get all the benefits and Chase Sapphire for added purchase protection even better than Amex imo, and a 0% foreign transaction fee, and a gateway for my ultimate reward points from Freedom for 25% bonus. etc


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 3 of 27
jsickz32
Valued Contributor

Re: American Express BCE?

i got the BCE because i at most spend $10 at the supermarket everymonth and that is if the they dont have water on sale lol. i do spend a lot of money on gas but i never think about what card im using until i finished filling up lol

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 4 of 27
distantarray
Established Contributor

Re: American Express BCE?


@jsickz32 wrote:

i got the BCE because i at most spend $10 at the supermarket everymonth and that is if the they dont have water on sale lol. i do spend a lot of money on gas but i never think about what card im using until i finished filling up lol


lol you should even with a BCE if you spend $65 a week you'd get a free fill up every year


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 5 of 27
jsickz32
Valued Contributor

Re: American Express BCE?


@distantarray wrote:

@jsickz32 wrote:

i got the BCE because i at most spend $10 at the supermarket everymonth and that is if the they dont have water on sale lol. i do spend a lot of money on gas but i never think about what card im using until i finished filling up lol


lol you should even with a BCE if you spend $65 a week you'd get a free fill up every year


i havent used my BCE in two months now. i spend $65 on gas every 4 days lol

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 6 of 27
distantarray
Established Contributor

Re: American Express BCE?


@jsickz32 wrote:

@distantarray wrote:

@jsickz32 wrote:

i got the BCE because i at most spend $10 at the supermarket everymonth and that is if the they dont have water on sale lol. i do spend a lot of money on gas but i never think about what card im using until i finished filling up lol


lol you should even with a BCE if you spend $65 a week you'd get a free fill up every year


i havent used my BCE in two months now. i spend $65 on gas every 4 days lol


lmao i jus noticed you had 20 cards you actually carry everything? lol


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 7 of 27
jsickz32
Valued Contributor

Re: American Express BCE?

no i been using DCU platinum and NFCU flagship this month.

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 8 of 27
Anonymous
Not applicable

Re: American Express BCE?


@jsickz32 wrote:

@distantarray wrote:

@jsickz32 wrote:

i got the BCE because i at most spend $10 at the supermarket everymonth and that is if the they dont have water on sale lol. i do spend a lot of money on gas but i never think about what card im using until i finished filling up lol


lol you should even with a BCE if you spend $65 a week you'd get a free fill up every year


i havent used my BCE in two months now. i spend $65 on gas every 4 days lol


$10 per month on supermarkets, $450 per month on gas, mmm.  Sounds like you are a hydrocarbon eating life form rather than human!  Or maybe you eat out.

 

Seriously, with that type of gas spend, have you looked at one of the Penfed cards, 5% off gas all the time?

Message 9 of 27
jsickz32
Valued Contributor

Re: American Express BCE?


@Anonymous wrote:

@jsickz32 wrote:

@distantarray wrote:

@jsickz32 wrote:

i got the BCE because i at most spend $10 at the supermarket everymonth and that is if the they dont have water on sale lol. i do spend a lot of money on gas but i never think about what card im using until i finished filling up lol


lol you should even with a BCE if you spend $65 a week you'd get a free fill up every year


i havent used my BCE in two months now. i spend $65 on gas every 4 days lol


$10 per month on supermarkets, $450 per month on gas, mmm.  Sounds like you are a hydrocarbon eating life form rather than human!  Or maybe you eat out.

 

Seriously, with that type of gas spend, have you looked at one of the Penfed cards, 5% off gas all the time?


lol yes i eat out everyday. and yes i have looked at penfeds card and i applied for one of their cards when i joined penfed but was denied so im waiting for some INQs to fall off my cr to apply again.

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 10 of 27
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