Amex BCP vs BCE 2022

[Anonymous]

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@CashOutReFi wrote:

For Amazon, I'd do the AmEx Amazon Business Prime. 5% cash back OR 90 day terms. 

1.) Doesn't appear on personal credit so utilization doesn't drop score. 

2.) Building on 1., neither does the fact that it's a new account 

3.) If you're already a cardholder, isn't this a SP? 

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@Anonymous wrote:

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@CashOutReFi wrote:

Since I've culled spending recently I have also made a point to downgrade my cards to either NO-AF or the lowest AF I can product change to. 

The principle is to remove the incentive to spend money solely to make the card "worth it", and just purchase most things on a 2% cash back card unless I happen to already hold a no-fee card that is offering more for a certain category. 

That "other" card would be the BCE for online retail purchases and gas. 

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Wonder if online retail for BCE covers Amazon? If so it's better than Chase Amazon Visa's 2% Back at restaurants, gas stations, and drugstores?

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For me, have no AMEX card and no Prime member either($120/yr)

[CluelessJohn]

Agree with others that your upgrade offer seems low.  I received and acted on the $150 for $1000 spend (and waive year 1 fee) upgrade on July 2 of yhis year.

[collics]

I'm glad I got the Blue Cash Preferred with no AF first year. I have time to assess if i spend enough organically on the card with the 6% and 3% categories to warrant the AF.

Ever since i found out the 6% can also work with Apple product purchases, i think it's going to be a keeper. 

[Anonymous]

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@collics wrote:

I'm glad I got the Blue Cash Preferred with no AF first year. I have time to assess if i spend enough organically on the card with the 6% and 3% categories to warrant the AF.

Ever since i found out the 6% can also work with Apple product purchases, i think it's going to be a keeper. 

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Eh, how, do u buy apple accessories at a supermarket

[OmarGB9]

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@Anonymous wrote:

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@collics wrote:

I'm glad I got the Blue Cash Preferred with no AF first year. I have time to assess if i spend enough organically on the card with the 6% and 3% categories to warrant the AF.

Ever since i found out the 6% can also work with Apple product purchases, i think it's going to be a keeper. 

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Eh, how, do u buy apple accessories at a supermarket

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I was wondering the same thing.

[collics]

@OmarGB9 @Anonymous 

haha not thru the grocery category but thru the Streaming category.

(But my Publix does sell Apple gift cards so there's that)

When I added money to my Apple account balance to cover my recurring app purchases for the month (gotta meet the SUB ya know), Amex coded it as streaming & i got 6% back. Cool. Unexpected bonus. Transferred my Apple app charges from my Apple card to the BCP.

Later, I was ordering an Ipad, and the funds I had in the Apple ID balance were there in checkout and asked if I wanted to apply to my purchase.

I checked and several ppl on Reddit have confirmed the same. 

Screenshot below:

[Anonymous]

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@collics wrote:

@OmarGB9 @Anonymous 

haha not thru the grocery category but thru the Streaming category.

(But my Publix does sell Apple gift cards so there's that)

When I added money to my Apple account balance to cover my recurring app purchases for the month (gotta meet the SUB ya know), Amex coded it as streaming & i got 6% back. Cool. Unexpected bonus. Transferred my Apple app charges from my Apple card to the BCP.

Later, I was ordering an Ipad, and the funds I had in the Apple ID balance were there in checkout and asked if I wanted to apply to my purchase.

I checked and several ppl on Reddit have confirmed the same. 

Screenshot below:

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That's ingenious  oh yeah there's also Groceries option like you said, 5%. What use for the Apple card except for easy CLI 

[collics]

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@Anonymous  lol right i feel so bad for my Apple card now 

[xenon3030]

Sounds good. Since I have Android, I cannot use this unexpected benefit.

Anyway, I decided to shop one CC now with high SUB and will be back to Amex in a few months. If they give me ~$200-250 SUB to do a product change, it is nice. Otherwise, the perks on Amex BCE look much better than BCP while it also does not have AF.

[crystal626]

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@xenon3030 wrote:

Sounds good. Since I have Android, I cannot use this unexpected benefit.

Anyway, I decided to shop one CC now with high SUB and will be back to Amex in a few months. If they give me ~$200-250 SUB to do a product change, it is nice. Otherwise, the perks on Amex BCE look much better than BCP while it also does not have AF.

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Play Store counts as streaming too.