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I guess Amex is starting to loosen up the flow of credit a little bit. After giving me a CLI on my Clear they approved me for a Blue Cash. My CL is $2000. Not bad considering they wouldn't give me a CLI at all 6 months ago.
I figured since they backdate the history, there wasn't any harm in opening this. I think I might be able to make a nice little bit of cash back should I be able to get the 5% back tier.
@FretlessMayhem wrote:I guess Amex is starting to loosen up the flow of credit a little bit. After giving me a CLI on my Clear they approved me for a Blue Cash. My CL is $2000. Not bad considering they wouldn't give me a CLI at all 6 months ago.
I figured since they backdate the history, there wasn't any harm in opening this. I think I might be able to make a nice little bit of cash back should I be able to get the 5% back tier.
Did you get a second card or is this a product change?
@FretlessMayhem wrote:
This was a new card. My third Amex. I have the Gold Premier Rewards charge card (my primary) that I just upgraded my normal Gold card to, the Clear, and now the Blue Cash!
I started with a Blue card in August and quickly did a PC to Blue Cash in October. I got a CLI too.
@DI wrote:I started with a Blue card in August and quickly did a PC to Blue Cash in October. I got a CLI too.
How has the cash back program worked out for you so far with the Blue Cash? Are you happy with it? Does the unlimited 5% ever pay off well? I noticed it's limited to their predefined category of "every day" purchases. Gas was one of them, but my Discover Open Road gets 5% cash back on gas, so I doubt I would switch from it for gas except for when I exceed $100 monthly in gas purchases, per the cap on the Open Road.
Fretless, I don't mean to rain on your parade but the Discover Open Road does not offer 5% cash back on gas anymore. You might want to read your change in terms letter. Discover discontinued the card a few months ago and changed the cashback from 5% to 2%. I received a letter a few months ago about it. If it hasn't happened to you then great. Once I received the letter I did a PC from the Open Road to the More card.
In terms of the Blue Cash, you really have to spend a lot of money to get to the 5% tier. I found the CHase Freedom to be better for me in regards to cashback. I'm averaging about 2% cashback on the Freedom. When I use to use the AMEX Blue Cash almost exclusively I was getting somewhere around 1.5% cashback.
@FretlessMayhem wrote:
@DI wrote:I started with a Blue card in August and quickly did a PC to Blue Cash in October. I got a CLI too.
How has the cash back program worked out for you so far with the Blue Cash? Are you happy with it? Does the unlimited 5% ever pay off well? I noticed it's limited to their predefined category of "every day" purchases. Gas was one of them, but my Discover Open Road gets 5% cash back on gas, so I doubt I would switch from it for gas except for when I exceed $100 monthly in gas purchases, per the cap on the Open Road.
I only use the AMEX card to pay my $50 gym dues. I'm not a good cardholder to answer your questions.
@Romeoo47 wrote:Fretless, I don't mean to rain on your parade but the Discover Open Road does not offer 5% cash back on gas anymore. You might want to read your change in terms letter. Discover discontinued the card a few months ago and changed the cashback from 5% to 2%. I received a letter a few months ago about it. If it hasn't happened to you then great. Once I received the letter I did a PC from the Open Road to the More card.
Sorry for the confusion. I forgot about that. I got that letter a little while back too. However, I believe it was 2% back on the first $250 instead of 5% on the first $100, so the total cashback per month should stay the same if maxed out, at $5 total bonus a month.
Then again, I don't think I spend $250 a month on gas. I didn't think about that. I spend about $40 a week.