Approved for AMEX PRG, but denied for AMEX Bluecash

[Anonymous]

It all depends on where you shop.

Amazon gets you 5% cash back from whole foods. For me, that's 75% of my shopping dollar

I use BCE at small neighborhood places to get 3% back. BCP wouldn't work for me because I use Amazon at whole foods mostly. Also, bce doesn't work at Costco type places I believe.

[Anonymous]

To me it makes more sense to stay in one system on the card provider. I enjoy the Everday Preferred and I am considering getting the Schwab platinum to cash in some of my points for 1.25 cpp. That, on top of bonus points from AMEX Offers, and 1.5x on every day spend means min 1.875% back on everything. Moreover, Amex has good purchase protections. 

[Anonymous]

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@Anonymous wrote:
It all depends on where you shop.

Amazon gets you 5% cash back from whole foods. For me, that's 75% of my shopping dollar

I use BCE at small neighborhood places to get 3% back. BCP wouldn't work for me because I use Amazon at whole foods mostly. Also, bce doesn't work at Costco type places I believe.

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Yes, we do about 95% at WF.   When not using discounted gift cards, I've been using the Blue Cash which gives 5% at grocery stores, but once my "reward year" hits in Nov, I'm going to switch to using Chase Amazon at WF, and my CCU card (3%) on the little bit of other grocery spend.

Blue Cash reward system is just too clunky if you have alternatives....

[Anonymous]

I don't really understand the point of trying to shop at whole foods and saving money. Same items at whole foods are available elsewhere for 40 percent less. Plus to even save 5 percent you have to be prime member which is 100 dollars a year.

[Anonymous]

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@Anonymous wrote:
It all depends on where you shop.

Amazon gets you 5% cash back from whole foods. For me, that's 75% of my shopping dollar

I use BCE at small neighborhood places to get 3% back. BCP wouldn't work for me because I use Amazon at whole foods mostly. Also, bce doesn't work at Costco type places I believe.

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Whole Foods is so overpriced def not worth it.   Much better options with equivalent quality at a far better price.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
It all depends on where you shop.

Amazon gets you 5% cash back from whole foods. For me, that's 75% of my shopping dollar

I use BCE at small neighborhood places to get 3% back. BCP wouldn't work for me because I use Amazon at whole foods mostly. Also, bce doesn't work at Costco type places I believe.

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Whole Foods is so overpriced def not worth it.   Much better options with equivalent quality at a far better price.

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Depending on your needs and location, maybe.  But not for everyone everywhere.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

The Everyday Preferred has a comparable or better return as stated earlier in this thread. I understand not everyone travels, but the tiny amount of additional rewards you get from the BCP over cards like the Citi Double Cash or other 2-3% grocery cards isn’t worth it with the the rewards hurdles. I mean you’re talking $200 extra at the most if you max out the groceries category, minus $95 for the annual fee. 

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It's $85/year more in rewards exactly per year for the grocery category (compared to everyday).  That's worth it to me.  Again, we only use it for that category.  For most categories we're using our 3% cash back Alliant card.  Unless we're churning a travel card.

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Not sure how you figured that one. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:
It all depends on where you shop.

Amazon gets you 5% cash back from whole foods. For me, that's 75% of my shopping dollar

I use BCE at small neighborhood places to get 3% back. BCP wouldn't work for me because I use Amazon at whole foods mostly. Also, bce doesn't work at Costco type places I believe.

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Whole Foods is so overpriced def not worth it.   Much better options with equivalent quality at a far better price.

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Depending on your needs and location, maybe.  But not for everyone everywhere.

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I guess if you live in the inner city and there are no other grocery stores around.  We have a Wegmans and they carry everything Whole Foods has and a lot more stuff of better quality at much lower prices.  But a lot of the stuff you can even get at most grocery stores at 40 percent less.  Like Annies products and Siggs Yogurt can be found anywhere. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

The Everyday Preferred has a comparable or better return as stated earlier in this thread. I understand not everyone travels, but the tiny amount of additional rewards you get from the BCP over cards like the Citi Double Cash or other 2-3% grocery cards isn’t worth it with the the rewards hurdles. I mean you’re talking $200 extra at the most if you max out the groceries category, minus $95 for the annual fee. 

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It's $85/year more in rewards exactly per year for the grocery category (compared to everyday).  That's worth it to me.  Again, we only use it for that category.  For most categories we're using our 3% cash back Alliant card.  Unless we're churning a travel card.

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Not sure how you figured that one. 

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Basic mathematics.

Everyday card = 3% up to 6K

Preferred = 6% up to 3K w/95 dollar annual fee.

$180 vs $265 (after fee) = $85 more.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

The Everyday Preferred has a comparable or better return as stated earlier in this thread. I understand not everyone travels, but the tiny amount of additional rewards you get from the BCP over cards like the Citi Double Cash or other 2-3% grocery cards isn’t worth it with the the rewards hurdles. I mean you’re talking $200 extra at the most if you max out the groceries category, minus $95 for the annual fee. 

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It's $85/year more in rewards exactly per year for the grocery category (compared to everyday).  That's worth it to me.  Again, we only use it for that category.  For most categories we're using our 3% cash back Alliant card.  Unless we're churning a travel card.

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Not sure how you figured that one. 

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Basic mathematics.

Everyday card = 3% up to 6K

Preferred = 6% up to 3K w/95 dollar annual fee.

$180 vs $265 (after fee) = $85 more.

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You're confused. Everyday Preferred is a points earning card.