Amex for Heavy grocery usage

[Anonymous]

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@Jccflat wrote:
Is it a negative attention? To use one lander
He does have the nfcu Amex that gives 3 points on grocery but 4X on Amex gives more

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It certainly can be negative attention. Large spend stands out. It could work for you too. I once had done a lot of stock trading which generated a lot of commission for the broker. It brought attention to my account. They called me twice just to see how I was doing, and if there was anything else they could do. Got Christmas cards from them. 

But at 3% cash back, if its not profitable, it becomes negative attention. If its 50K a year at 1% and 50K a year spend at 3%, its probably profitable for them and they like you.

Comes down to profitability. Positive attention if you're profitable or negative attention if you are unprofitable. They are in business to make money.

[Anonymous]

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@Jccflat wrote:
Besides the gold Amex that gives only up to 25k on points for x4
what other other Amex Card in the next good that can someone apply witch will give good rewards since in grocery ?

That person Does over 100k In spend year

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The Old Blue Cash would be ideal, but unfortunately recently  fails the "someone can apply for" test

[M_Smart007]

Can't resist and my apologies .. $100K spend on Groceries, Just buy a store.

Sorry

[Anonymous]

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@M_Smart007 wrote:

Can't resist and my apologies .. $100K spend on Groceries, Just buy a store.

Sorry

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If some of the groceries are thin plastic things, $100K a year is nothing, but that should be stated, as other concerns then come into play

[Jccflat]

It’s totally food This guy works in a kitchen and buys all groceries ingredients
So I guess the Every day Preferred card is the next card it has the 50% extra points for the 30 purchases per month

[Anonymous]

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@Jccflat wrote:
It’s totally food This guy works in a kitchen and buys all groceries ingredients
So I guess the Every day Preferred card is the next card it has the 50% extra points for the 30 purchases per month

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Do the issuers care that business spend is put on a personal card? Are there any 3 or 4% rewards on business cards? 

[simplynoir]

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@Jccflat wrote:
It’s totally food This guy works in a kitchen and buys all groceries ingredients
So I guess the Every day Preferred card is the next card it has the 50% extra points for the 30 purchases per month

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The $6k cap on groceries doesn't get him far though. Honestly, if your friend uses it for business expenses I'd go Blue Business Plus and nab 100k points for $50k spend. The rest I'd recommend he put on his NFCU card for the last $25k in spend

[simplynoir]

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@Anonymous wrote:

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@Jccflat wrote:
It’s totally food This guy works in a kitchen and buys all groceries ingredients
So I guess the Every day Preferred card is the next card it has the 50% extra points for the 30 purchases per month

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Do the issuers care that business spend is put on a personal card? Are there any 3 or 4% rewards on business cards? 

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IME as long as you pay they don't care. The seperation of personal and business spend is more about consumer protections and tax reasons if you're trying to seperate expenses. Some say don't mix, others shrug their shoulders

[Jccflat]

Simplynoir is the BBP gives better value than the nfcu Amex ?

[Anonymous]

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@simplynoir wrote:

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@Anonymous wrote:

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@Jccflat wrote:
It’s totally food This guy works in a kitchen and buys all groceries ingredients
So I guess the Every day Preferred card is the next card it has the 50% extra points for the 30 purchases per month

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Do the issuers care that business spend is put on a personal card? Are there any 3 or 4% rewards on business cards? 

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IME as long as you pay they don't care. The seperation of personal and business spend is more about consumer protections and tax reasons if you're trying to seperate expenses. Some say don't mix, others shrug their shoulders

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An answer to the second question helps to answer the first. Any 3-4% biz cards out there?