After analyzing the card imho every person should always go for the BCP and be able to ignore the AF. The reason i say so is because after my analysis if you spend at least $1300 a yr on food which typically the average person can spend $100-$200 a month on food if you multiple that by the months out of the year and then multiple the yearly spent by the 6% cash back if you use it purely for groceries you get $72 at the very least .... The AF is $75 so id assume you could at least pay your AF every year with what you spent that year typically making it a AF free card. Thats just my imho ... that case works in my situation and im a single person....
Yeah, I realized just yesterday that I should have gone for the BCP. I just got my BCE so I'm hoping in a year that they'll let me upgrade. I spend about $100-$120 a week on groceries so it was kind of dumb of me not to do the math before applying. 
@Anonymous wrote:
@shaun2009 wrote:After analyzing the card imho every person should always go for the BCP and be able to ignore the AF. The reason i say so is because after my analysis if you spend at least $1300 a yr on food which typically the average person can spend $100-$200 a month on food if you multiple that by the months out of the year and then multiple the yearly spent by the 6% cash back if you use it purely for groceries you get $72 at the very least .... The AF is $75 so id assume you could at least pay your AF every year with what you spent that year typically making it a AF free card. Thats just my imho ... that case works in my situation and im a single person....
The breakeven point for BCP vs BCE just on supermarkets is $2500 per year. (BCP gives $150 - $75 fee = $75, BCE gives $75).
But, three things at least massively swing towards BCP:
1) Ability to buy gift cards at supermarkets. This means the $2500 a year isn't just on "real" groceries, you can buy cards for many stores, restaurants, gas etc, with no extra charge, effectively getting 6% off those purchases. Almost everyone will spend $2,500 on this spending, as it can be almost everything.
2) Higher signup fee, often can get $250 bonus, $100 more than BCE.
3) Higher payback on gas (and select department stores).
I agree with the sentiment, there is almost no case where BCE is the right choice. This should be said in a sticky as most people seem to go for that to avoid an annual fee.
Thanks for the additional info you just made it even sweeter this is kinda the reason i made this thread because im preparing to apply after gardening a bit but what i noticed is that the AF was scaring my a little until i broke it down and now you just made it alot easier and alot more doable if i just so didnt happen to spend $100 in groceries per month.
@scenery_guy wrote:Perhaps some people value airline miles or hotel points greater than cash back? Personally I would rather have SPG points on groceries - not that I shop for that much.
+1 While I agree that if you're going to get a Blue Cash card for groceries/gas, the BCP is a better card, what card someone should have really depends on whether you're chasing cash or points.
@jlfce1 wrote:
@shaun2009
So with your math are you basically saying you're breaking even? The cash back you'd ear would cover the AF thus not really receiving cash back?
na i dont have it yet just planning and telling others dont mind the AF because you will either breakeven or go over because typically alone spending the least possible on groceries in a year with get you the AF back.