@Anonymous wrote:
@NRB525 wrote:
@Anonymous wrote:
@NRB525 wrote:
@Anonymous wrote:
Why would you want to use a combination of three cards, one of which has an AF, and have to keep track of how much you've spent every month to move onto the next one, instead of one card with no AF?
It seems the OP is exactly the kind of person tbe OBC was made forHow so? The first $6,500 of category spend is at a rate of 1 point. Only after $6,500 does the higher rate kick in.
Oh, right, do the MS thing to get to $6,500 first. Right.
At the level of spend the OP said he has at groceries and drug stores, i think they will come out ahead with the old blue cash card even if they don't do any MS to reach the $6500. And it will be much less hassle
As long as they are willing to use the OBC exclusively, sure, you can get to a point where later charges in the year are at 5%. Change your mind during the year? Sorry, go back one space. Is the total earned marginally better? Only just.
Then one has to instruct them how to obtain the actual link to app for the OBC, since it is no longer advertised by AMEX.
Where is the link for that card? Google has not been very fruitful.
https://www304.americanexpress.com/credit-card/blue-cash/25330
@chwebb1 wrote:
@Anonymous wrote:
@NRB525 wrote:
@Anonymous wrote:
@NRB525 wrote:
@Anonymous wrote:
Why would you want to use a combination of three cards, one of which has an AF, and have to keep track of how much you've spent every month to move onto the next one, instead of one card with no AF?
It seems the OP is exactly the kind of person tbe OBC was made forHow so? The first $6,500 of category spend is at a rate of 1 point. Only after $6,500 does the higher rate kick in.
Oh, right, do the MS thing to get to $6,500 first. Right.
At the level of spend the OP said he has at groceries and drug stores, i think they will come out ahead with the old blue cash card even if they don't do any MS to reach the $6500. And it will be much less hassle
As long as they are willing to use the OBC exclusively, sure, you can get to a point where later charges in the year are at 5%. Change your mind during the year? Sorry, go back one space. Is the total earned marginally better? Only just.
Then one has to instruct them how to obtain the actual link to app for the OBC, since it is no longer advertised by AMEX.
Where is the link for that card? Google has not been very fruitful.
https://www304.americanexpress.com/credit-card/blue-cash/25330
Lol. Thank you. That was easy. Is the UW the same as for the BCE? Or is it harder to get?
@Anonymous wrote:
@chwebb1 wrote:
@Anonymous wrote:
@NRB525 wrote:
@Anonymous wrote:
@NRB525 wrote:
@Anonymous wrote:
Why would you want to use a combination of three cards, one of which has an AF, and have to keep track of how much you've spent every month to move onto the next one, instead of one card with no AF?
It seems the OP is exactly the kind of person tbe OBC was made forHow so? The first $6,500 of category spend is at a rate of 1 point. Only after $6,500 does the higher rate kick in.
Oh, right, do the MS thing to get to $6,500 first. Right.
At the level of spend the OP said he has at groceries and drug stores, i think they will come out ahead with the old blue cash card even if they don't do any MS to reach the $6500. And it will be much less hassle
As long as they are willing to use the OBC exclusively, sure, you can get to a point where later charges in the year are at 5%. Change your mind during the year? Sorry, go back one space. Is the total earned marginally better? Only just.
Then one has to instruct them how to obtain the actual link to app for the OBC, since it is no longer advertised by AMEX.
Where is the link for that card? Google has not been very fruitful.
https://www304.americanexpress.com/credit-card/blue-cash/25330
Lol. Thank you. That was easy. Is the UW the same as for the BCE? Or is it harder to get?
I am assuming it should be fairly similar to the BCE/BCP or Blue Sky. It's probably closer to the Blue Sky, since the APRs are the same. What are your FICOs at the moment?
@Anonymous wrote:
@chwebb1 wrote:
@Anonymous wrote:
@NRB525 wrote:
@Anonymous wrote:
@NRB525 wrote:
@Anonymous wrote:
Why would you want to use a combination of three cards, one of which has an AF, and have to keep track of how much you've spent every month to move onto the next one, instead of one card with no AF?
It seems the OP is exactly the kind of person tbe OBC was made forHow so? The first $6,500 of category spend is at a rate of 1 point. Only after $6,500 does the higher rate kick in.
Oh, right, do the MS thing to get to $6,500 first. Right.
At the level of spend the OP said he has at groceries and drug stores, i think they will come out ahead with the old blue cash card even if they don't do any MS to reach the $6500. And it will be much less hassle
As long as they are willing to use the OBC exclusively, sure, you can get to a point where later charges in the year are at 5%. Change your mind during the year? Sorry, go back one space. Is the total earned marginally better? Only just.
Then one has to instruct them how to obtain the actual link to app for the OBC, since it is no longer advertised by AMEX.
Where is the link for that card? Google has not been very fruitful.
https://www304.americanexpress.com/credit-card/blue-cash/25330
Lol. Thank you. That was easy. Is the UW the same as for the BCE? Or is it harder to get?
When I click on the link, I get an error message. Running the spend through BCP, I get an average rate of ~1.5%. OP would be better off going with Citi Double Cash as the go to card if he just wants one card for everything. Of course, he's going to need a limit north of $8k as a bare minimum, no matter what card he chooses to go with, so DC might be an issue there. We would need to know OP's scores, history, etc., to determine the likelihood that he gets the credit line that he wants.
@Anonymous wrote:
@Anonymous wrote:
@chwebb1 wrote:
@Anonymous wrote:
@NRB525 wrote:
@Anonymous wrote:
@NRB525 wrote:
@Anonymous wrote:
Why would you want to use a combination of three cards, one of which has an AF, and have to keep track of how much you've spent every month to move onto the next one, instead of one card with no AF?
It seems the OP is exactly the kind of person tbe OBC was made forHow so? The first $6,500 of category spend is at a rate of 1 point. Only after $6,500 does the higher rate kick in.
Oh, right, do the MS thing to get to $6,500 first. Right.
At the level of spend the OP said he has at groceries and drug stores, i think they will come out ahead with the old blue cash card even if they don't do any MS to reach the $6500. And it will be much less hassle
As long as they are willing to use the OBC exclusively, sure, you can get to a point where later charges in the year are at 5%. Change your mind during the year? Sorry, go back one space. Is the total earned marginally better? Only just.
Then one has to instruct them how to obtain the actual link to app for the OBC, since it is no longer advertised by AMEX.
Where is the link for that card? Google has not been very fruitful.
https://www304.americanexpress.com/credit-card/blue-cash/25330
Lol. Thank you. That was easy. Is the UW the same as for the BCE? Or is it harder to get?
When I click on the link, I get an error message. Running the spend through BCP, I get an average rate of ~1.5%. OP would be better off going with Citi Double Cash as the go to card if he just wants one card for everything. Of course, he's going to need a limit north of $8k as a bare minimum, no matter what card he chooses to go with, so DC might be an issue there. We would need to know OP's scores, history, etc., to determine the likelihood that he gets the credit line that he wants.
If you have an Amex account, you need to use private browsing/incognito mode to use that link (You can also get there by going to the BCE page and clicking on the link "Looking for an earlier version of....", still need private browsing if you have Amex cookies)
@chwebb1 wrote:
@Anonymous wrote:
@chwebb1 wrote:
@Anonymous wrote:
@NRB525 wrote:
@Anonymous wrote:
@NRB525 wrote:
@Anonymous wrote:
Why would you want to use a combination of three cards, one of which has an AF, and have to keep track of how much you've spent every month to move onto the next one, instead of one card with no AF?
It seems the OP is exactly the kind of person tbe OBC was made forHow so? The first $6,500 of category spend is at a rate of 1 point. Only after $6,500 does the higher rate kick in.
Oh, right, do the MS thing to get to $6,500 first. Right.
At the level of spend the OP said he has at groceries and drug stores, i think they will come out ahead with the old blue cash card even if they don't do any MS to reach the $6500. And it will be much less hassle
As long as they are willing to use the OBC exclusively, sure, you can get to a point where later charges in the year are at 5%. Change your mind during the year? Sorry, go back one space. Is the total earned marginally better? Only just.
Then one has to instruct them how to obtain the actual link to app for the OBC, since it is no longer advertised by AMEX.
Where is the link for that card? Google has not been very fruitful.
https://www304.americanexpress.com/credit-card/blue-cash/25330
Lol. Thank you. That was easy. Is the UW the same as for the BCE? Or is it harder to get?
I am assuming it should be fairly similar to the BCE/BCP or Blue Sky. It's probably closer to the Blue Sky, since the APRs are the same. What are your FICOs at the moment?
Lol. They aren't good. EQ 640, EX 652, TU 661. I definitely wouldn't have a chance right now. I was hoping to get my foot in the door with Amex this December when my scores are hopefully in the 700s. I was originally going to seek the BCE, but this BC, which I had never heard of before, has really got everything thinking...
@Anonymous wrote:
Cheesy.
I prefer cheese over cookies.
@Anonymous wrote:
@chwebb1 wrote:
@Anonymous wrote:
@chwebb1 wrote:
@Anonymous wrote:
@NRB525 wrote:
@Anonymous wrote:
@NRB525 wrote:
@Anonymous wrote:
Why would you want to use a combination of three cards, one of which has an AF, and have to keep track of how much you've spent every month to move onto the next one, instead of one card with no AF?
It seems the OP is exactly the kind of person tbe OBC was made forHow so? The first $6,500 of category spend is at a rate of 1 point. Only after $6,500 does the higher rate kick in.
Oh, right, do the MS thing to get to $6,500 first. Right.
At the level of spend the OP said he has at groceries and drug stores, i think they will come out ahead with the old blue cash card even if they don't do any MS to reach the $6500. And it will be much less hassle
As long as they are willing to use the OBC exclusively, sure, you can get to a point where later charges in the year are at 5%. Change your mind during the year? Sorry, go back one space. Is the total earned marginally better? Only just.
Then one has to instruct them how to obtain the actual link to app for the OBC, since it is no longer advertised by AMEX.
Where is the link for that card? Google has not been very fruitful.
https://www304.americanexpress.com/credit-card/blue-cash/25330
Lol. Thank you. That was easy. Is the UW the same as for the BCE? Or is it harder to get?
I am assuming it should be fairly similar to the BCE/BCP or Blue Sky. It's probably closer to the Blue Sky, since the APRs are the same. What are your FICOs at the moment?
Lol. They aren't good. EQ 640, EX 652, TU 661. I definitely wouldn't have a chance right now. I was hoping to get my foot in the door with Amex this December when my scores are hopefully in the 700s. I was originally going to seek the BCE, but this BC, which I had never heard of before, has really got everything thinking...
You might be better off trying for a charge card with AMEX first, since the UW is lower on those (since you have to PIF monthly, there's less risk for them). I believe that the PRG has rewards on grocery. Once they "get to know you", you should have no issues getting the BCE/BCP/BC.