Tips and Tricks for Amex BCP/BCE

[JKSIMMONS]

Dudes and dudettes,

Kind of bored today. Got some nice cash back this month from my BCE (soon to be BCP). Just wondering if anyone has any tips, tricks, best practices to getting as much cash back as possible with those cards. I only spend about $400 on groceries a month.

Ccurrently, I'm using Discover for Gas. Using my NFCU Flagship card for everything else.

Anyone have any tips/tricks? I'm not necessarily talking about manufactured spending. I'm down for gift cards etc because I would eventually use them. No amazon payments or any jive like that.

It's a shame bc my Target in town is not considered grocery, even though it's a grocery.

[mongstradamus]

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@JKSIMMONS wrote:

Dudes and dudettes,

Kind of bored today. Got some nice cash back this month from my BCE (soon to be BCP). Just wondering if anyone has any tips, tricks, best practices to getting as much cash back as possible with those cards. I only spend about $400 on groceries a month.

Ccurrently, I'm using Discover for Gas. Using my NFCU Flagship card for everything else.

Anyone have any tips/tricks? I'm not necessarily talking about manufactured spending. I'm down for gift cards etc because I would eventually use them. No amazon payments or any jive like that.

It's a shame bc my Target in town is not considered grocery, even though it's a grocery.

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I don't think there is really anything you can do since you are capped at 6000 I think it is I forget the number

[Callandra]

Maybe not the advice you're looking for but Visa/Mastercard tend to categorize Target (at least Super Target) as grocery so you could get a Sallie Mae (5% back up to $250/month). My Barclay Mastercard (Rewards) considers both my local Walmart and Targets as grocery. 

[JKSIMMONS]

Yeah, it's actually an older target that they retrofitted. I don't even think it's considered a super target. Oddly enough, we don't have a Wal-Mart that is too close. We mainly go to publix or a local grocery store near our house.

[JKSIMMONS]

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@mongstradamus wrote:

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@JKSIMMONS wrote:

Dudes and dudettes,

Kind of bored today. Got some nice cash back this month from my BCE (soon to be BCP). Just wondering if anyone has any tips, tricks, best practices to getting as much cash back as possible with those cards. I only spend about $400 on groceries a month.

Ccurrently, I'm using Discover for Gas. Using my NFCU Flagship card for everything else.

Anyone have any tips/tricks? I'm not necessarily talking about manufactured spending. I'm down for gift cards etc because I would eventually use them. No amazon payments or any jive like that.

It's a shame bc my Target in town is not considered grocery, even though it's a grocery.

---

I don't think there is really anything you can do since you are capped at 6000 I think it is I forget the number

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Well, I won't get close to that number. That's why i'm kind of looking for any loopholes or best practices. For instance, instead of eating fast food, i'll stop by publix in the same area and buy a sub sandwhich. Very small, I know. Just an example.

Don't the gift cards you can buy cost extra? Activation fee or something?

[mongstradamus]

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@JKSIMMONS wrote:

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@mongstradamus wrote:

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@JKSIMMONS wrote:

Dudes and dudettes,

Kind of bored today. Got some nice cash back this month from my BCE (soon to be BCP). Just wondering if anyone has any tips, tricks, best practices to getting as much cash back as possible with those cards. I only spend about $400 on groceries a month.

Ccurrently, I'm using Discover for Gas. Using my NFCU Flagship card for everything else.

Anyone have any tips/tricks? I'm not necessarily talking about manufactured spending. I'm down for gift cards etc because I would eventually use them. No amazon payments or any jive like that.

It's a shame bc my Target in town is not considered grocery, even though it's a grocery.

---

I don't think there is really anything you can do since you are capped at 6000 I think it is I forget the number

---

Well, I won't get close to that number. That's why i'm kind of looking for any loopholes or best practices. For instance, instead of eating fast food, i'll stop by publix in the same area and buy a sub sandwhich. Very small, I know. Just an example.

Don't the gift cards you can buy cost extra? Activation fee or something?

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Well you can think of buying gift cards for places you shop at like amazon gamestop etc. I would be careful with do giftcards with amex though, just don't get too crazy

[heyarrnold]

Many grocery stores sell gift cards for gas, fast food places, etc. Those purchases also count towards the 6% of the BCP . That's basically the only way a person or family can reach that cap. Unless you're the Duggars

[Stanic413]

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@Callandra wrote:

Maybe not the advice you're looking for but Visa/Mastercard tend to categorize Target (at least Super Target) as grocery so you could get a Sallie Mae (5% back up to $250/month). My Barclay Mastercard (Rewards) considers both my local Walmart and Targets as grocery. 

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  I had no idea Barclay categorized them as grocery.  I checked my Arrival+ statement and our Super WalMart is considered grocery.  I may have to app for a new grocery card....after I finish gardening, of course. 

[Anonymous]

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@heyarrnold wrote:

Many grocery stores sell gift cards for gas, fast food places, etc. Those purchases also count towards the 6% of the BCP . That's basically the only way a person or family can reach that cap. Unless you're the Duggars

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Um no.   Depends what you buy and where you go.  At WholeFoods, it's not hard for a family of 4 to easily spend 3x the cap on actual groceries.  People complain that the Sallie Mae cap is too low.  BCP is only twice that.

[SunriseEarth]

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@JKSIMMONS wrote:

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@mongstradamus wrote:

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@JKSIMMONS wrote:

Dudes and dudettes,

Kind of bored today. Got some nice cash back this month from my BCE (soon to be BCP). Just wondering if anyone has any tips, tricks, best practices to getting as much cash back as possible with those cards. I only spend about $400 on groceries a month.

Ccurrently, I'm using Discover for Gas. Using my NFCU Flagship card for everything else.

Anyone have any tips/tricks? I'm not necessarily talking about manufactured spending. I'm down for gift cards etc because I would eventually use them. No amazon payments or any jive like that.

It's a shame bc my Target in town is not considered grocery, even though it's a grocery.

---

I don't think there is really anything you can do since you are capped at 6000 I think it is I forget the number

---

Well, I won't get close to that number. That's why i'm kind of looking for any loopholes or best practices. For instance, instead of eating fast food, i'll stop by publix in the same area and buy a sub sandwhich. Very small, I know. Just an example.

Don't the gift cards you can buy cost extra? Activation fee or something?

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Only if you do the VISA/MC/AMEX GCs.  For the store ones, no. You could certainly buy them for things you normally purchase.  For example, I usually get iTunes GCs at the grocery store to earn more cash back.