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DansDeals Forum => Credit Cards => Topic started by: mochjas on November 07, 2018, 06:59:59 AM

Title: BGR will be relaunched with new benefits
Post by: mochjas on November 07, 2018, 06:59:59 AM
https://www.doctorofcredit.com/american-express-business-gold-card-to-relaunch-295-annual-fee-4x-categories-25-points-back-when-booking-for-flights/amp/?__twitter_impression=true
Title: Re: BGR will be relaunched with new benefits
Post by: AJK on November 07, 2018, 12:19:42 PM
yawn
Title: Re: BGR will be relaunched with new benefits
Post by: davidrotts63 on November 07, 2018, 12:21:14 PM
Punch a wall and yawn*
Title: Re: BGR will be relaunched with new benefits
Post by: mochjas on November 07, 2018, 12:31:53 PM
4X on gas is definitely not a yawn
Title: Re: BGR will be relaunched with new benefits
Post by: davidrotts63 on November 07, 2018, 12:34:22 PM
4X on gas is definitely not a yawn
On what you spend most on month is great, vs selecting for the year.
Title: Re: BGR will be relaunched with new benefits
Post by: AJK on November 07, 2018, 01:14:32 PM
4X on gas is definitely not a yawn

It is unless you drive a tractor trailer. Do you?
Title: Re: BGR will be relaunched with new benefits
Post by: mochjas on November 07, 2018, 01:15:31 PM
It is unless you drive a tractor trailer. Do you?
If you say so
Title: Re: BGR will be relaunched with new benefits
Post by: davidrotts63 on November 07, 2018, 01:15:40 PM


It is unless you MS at gas stations. Do you?
FTFY
Title: Re: BGR will be relaunched with new benefits
Post by: AJK on November 07, 2018, 01:17:47 PM
If you say so

I'll take that as a no, you don't drive a tractor trailer.
Title: Re: BGR will be relaunched with new benefits
Post by: chinagel on November 07, 2018, 01:19:25 PM
I'll take that as a no, you don't drive a tractor trailer.
are u related to @ChaimMoskowitz
Title: Re: BGR will be relaunched with new benefits
Post by: AJK on November 07, 2018, 01:22:46 PM
4X on gas is definitely not a yawn

Hmmm...

Considering you can earn 5% cash back with $0 annual fee, you'd have to spend nearly $150,000 per year or $12,500 per month on gas, and that's only to break even.  You would not earn a penny more than simply using the cash back card until that threshold.

But wait, it gets better! The 4x is capped at $150,000, so basically it's impossible to beat the $0 AF cash back card.


So remind me again why this is compelling?

#doubleyawn
Title: Re: BGR will be relaunched with new benefits
Post by: mochjas on November 07, 2018, 01:33:27 PM
Hmmm...

Considering you can earn 5% cash back with $0 annual fee, you'd have to spend nearly $150,000 per year or $12,500 per month on gas, and that's only to break even.  You would not earn a penny more than simply using the cash back card until that threshold.

But wait, it gets better! The 4x is capped at $150,000, so basically it's impossible to beat the $0 AF cash back card.


So remind me again why this is compelling?

#doubleyawn
Which card gives you unlimited 5% cash back on gas?

Either way Cashback is nice but getting a way to rack up MR is nice as well. I dont see it as a yawn getting an opportunity to earn an extra 600K MR a year
Title: Re: BGR will be relaunched with new benefits
Post by: AJK on November 07, 2018, 01:38:42 PM
Which card gives you unlimited 5% cash back on gas?

Either way Cashback is nice but getting a way to rack up MR is nice as well. I dont see it as a yawn getting an opportunity to earn an extra 600K MR a year

You're *paying* for those 600K MR. That's the whole point I'm making. You're no better off with this card until $150K, which just so happens to be the cap, which means you can NEVER do better with this card, regardless of you earning 600K MR or not.

One is Penfed.

Title: Re: BGR will be relaunched with new benefits
Post by: ChaimMoskowitz on November 07, 2018, 01:42:56 PM
One is Penfed.
Isn't that at the pump?
Title: Re: BGR will be relaunched with new benefits
Post by: mochjas on November 07, 2018, 01:44:15 PM
Isn't that at the pump?
Did you forget that I drive a tractor trailer?
Title: Re: BGR will be relaunched with new benefits
Post by: AJK on November 07, 2018, 01:45:14 PM
Did you forget that I drive a tractor trailer?

So now you *do* drive a tractor trailor?
Title: Re: BGR will be relaunched with new benefits
Post by: AJK on November 07, 2018, 01:52:51 PM
Isn't that at the pump?

Think so.

Propel combined with WF Visa can give 5.25% CB towards travel with $0 AF.
Title: Re: BGR will be relaunched with new benefits
Post by: farmbochur on November 07, 2018, 01:55:49 PM
You're *paying* for those 600K MR. That's the whole point I'm making. You're no better off with this card until $150K, which just so happens to be the cap, which means you can NEVER do better with this card, regardless of you earning 600K MR or not.

One is Penfed.
What's your MS expense ratio?

I'd think that <1.14% is highly attainable if you don't live in an MS desert.

At that fee structure, you're looking at costs of $1,710 for MS  + $295 for the annual fee.

How is $2,005 for 600k MR yawn worthy?
Title: Re: BGR will be relaunched with new benefits
Post by: ChaimMoskowitz on November 07, 2018, 01:58:52 PM
Think so.

Propel combined with WF Visa can give 5.25% CB towards travel with $0 AF.
I understand what other cards can do. Was just pointing out you can't MS the PF 5x card. This is a worthy card to add. It isn't a binary decision.
Title: Re: BGR will be relaunched with new benefits
Post by: AJK on November 07, 2018, 02:00:51 PM
What's your MS expense ratio?

I'd think that <1.14% is highly attainable if you don't live in an MS desert.

At that fee structure, you're looking at costs of $1,710 for MS  + $295 for the annual fee.

How is $2,005 for 600k MR yawn worthy?

You're missing the point. The "expense ratio" is the same regardless.  We're arguing about which of two houses on the same block to buy, and you're saying, "but what about the weather?"

The point is that it's all relative.

Someone coming out and offering 6x on airfare for $1000 AF is only exciting if you look at the first number and completely disregard the second.  Currently can get 5X for $0 AF, so offering 4X for $295 is yawn-worthy.
Title: Re: BGR will be relaunched with new benefits
Post by: farmbochur on November 07, 2018, 02:02:48 PM


Currently can get 5X for $0 AF,

Only good for tractor trailer operators...
Title: Re: BGR will be relaunched with new benefits
Post by: AJK on November 07, 2018, 02:03:55 PM

Only good for tractor trailer operators...

Incorrect.
Title: Re: BGR will be relaunched with new benefits
Post by: mmgfarb on November 07, 2018, 02:06:31 PM
The one thing you're not taking into account is whether it's worth getting another card from a different bank just for gas. Getting a BGR is not a big deal if you already have amex cards.
Either way, I don't think amex did anything special here, kinda worthless really.
Title: Re: BGR will be relaunched with new benefits
Post by: AJK on November 07, 2018, 02:08:31 PM
To be clear, I'm not saying this is a card to ignore, necessarily. I'm simply saying it's not as exciting as some people are making it out to be.

4x for $295 < 5x $295 < 5x $0.
Title: Re: BGR will be relaunched with new benefits
Post by: ChaimMoskowitz on November 07, 2018, 02:10:55 PM
The issue is will this card be used for normal purchases or for MS?
Title: Re: BGR will be relaunched with new benefits
Post by: AJK on November 07, 2018, 02:13:46 PM
Well, we've I've conclusively established that this card is useless if NOT MS'ing.

Unless, of course, for the umpteenth time, you drive a TT, like some of us apparently do.
Title: Re: BGR will be relaunched with new benefits
Post by: farmbochur on November 07, 2018, 02:17:23 PM



Well, we've I've conclusively established that this card is useless if NOT MS'ing.

Unless, of course, for the umpteenth time, you drive a TT, like some of us apparently do.

Sounds like you're arguing against it even for TT/MS'ers


4x for $295 < 5x $295 < 5x $0.

Title: Re: BGR will be relaunched with new benefits
Post by: mochjas on November 07, 2018, 02:17:27 PM
Well, we've I've conclusively established that this card is useless if NOT MS'ing.

Unless, of course, for the umpteenth time, you drive a TT, like some of us apparently do.
To be clear, I'm not saying this is a card to ignore, necessarily. I'm simply saying it's not as exciting as some people are making it out to be.

4x for $295 < 5x $295 < 5x $0.
So which card that is good for MS and gives 5X on gas?
Title: Re: BGR will be relaunched with new benefits
Post by: AJK on November 07, 2018, 02:20:14 PM


Sounds like you're arguing against it even for TT/MS'ers

Glad you're paying attention at home.
Title: Re: BGR will be relaunched with new benefits
Post by: ChaimMoskowitz on November 07, 2018, 02:20:55 PM
So which card that is good for MS and gives 5X on gas?
Currently available? I don't think any.
Title: Re: BGR will be relaunched with new benefits
Post by: AJK on November 07, 2018, 02:22:09 PM
So which card that is good for MS and gives 5X on gas?

Propel combined with WF Visa can give 5.25% CB towards travel with $0 AF.
Title: Re: BGR will be relaunched with new benefits
Post by: mmgfarb on November 07, 2018, 02:22:43 PM

Except you can't MS that.
Title: Re: BGR will be relaunched with new benefits
Post by: Redbull3 on November 07, 2018, 02:23:39 PM
Can you MS the BGR? Or is it pump only also.
Title: Re: BGR will be relaunched with new benefits
Post by: AJK on November 07, 2018, 02:25:32 PM
Except you can't MS that.

And we're sure you can MS the BGR with RATs everywhere?
Title: Re: BGR will be relaunched with new benefits
Post by: Redbull3 on November 07, 2018, 02:26:00 PM
What's your MS expense ratio?

I'd think that <1.14% is highly attainable if you don't live in an MS desert.

At that fee structure, you're looking at costs of $1,710 for MS  + $295 for the annual fee.

How is $2,005 for 600k MR yawn worthy?
BTW are there any good/active MS threads or is everything that still works by pm only
Title: Re: BGR will be relaunched with new benefits
Post by: ludmila on November 07, 2018, 02:27:04 PM
Can you MS the BGR? Or is it pump only also.
This is what will make BGR worth it or not, I myself have had the card for a couple of years, but did not test MS in store if it works or not.
Title: Re: BGR will be relaunched with new benefits
Post by: mmgfarb on November 07, 2018, 02:27:25 PM
And we're sure you can MS the BGR with RATs everywhere?
They haven't made problems on any other card AFAIK, spend for SUB excluded.
Title: Re: BGR will be relaunched with new benefits
Post by: ChaimMoskowitz on November 07, 2018, 02:28:17 PM

That's not what a 5X card means.
Title: Re: BGR will be relaunched with new benefits
Post by: Redbull3 on November 07, 2018, 02:28:28 PM
They haven't made problems on any other card AFAIK, spend for SUB excluded.
old blue cash? lol
Title: Re: BGR will be relaunched with new benefits
Post by: davidrotts63 on November 07, 2018, 02:29:34 PM
They haven't made problems on any other card AFAIK, spend for SUB excluded.
+1
That's not what a 5X card means.
To be fear he did say 5%...
Title: Re: BGR will be relaunched with new benefits
Post by: mmgfarb on November 07, 2018, 02:29:49 PM
old blue cash? lol
That hasn't been an ongoing thing though, people are still using them now.
Title: Re: BGR will be relaunched with new benefits
Post by: ChaimMoskowitz on November 07, 2018, 02:31:15 PM
To be fear he did say 5%...
Same difference.
Title: Re: BGR will be relaunched with new benefits
Post by: AJK on November 07, 2018, 02:31:55 PM
That's not what a 5X card means.

I'm rather certain you're conflating "earning 5%" with "5X card."

Title: Re: BGR will be relaunched with new benefits
Post by: ChaimMoskowitz on November 07, 2018, 02:32:18 PM
old blue cash? lol
OBC is OK but OOBC had issues.  ;)
Title: Re: BGR will be relaunched with new benefits
Post by: AJK on November 07, 2018, 02:32:37 PM
Same difference.

Except not. You're calling me out for saying something I did not.
Title: Re: BGR will be relaunched with new benefits
Post by: ChaimMoskowitz on November 07, 2018, 02:34:45 PM
I'm rather certain you're conflating "earning 5%" with "5X card."
You sure it is me? They asked you which card gives 5x on gas and you answer with needing two cards and booking airfare that gives you %.
Title: Re: BGR will be relaunched with new benefits
Post by: ChaimMoskowitz on November 07, 2018, 02:37:53 PM
Lets make this simple. If you are going to MS this card then add it. If you are looking for a card (to MS) that gives 5x or 5% currently on gas don't waste your time.  :)
Title: Re: BGR will be relaunched with new benefits
Post by: AJK on November 07, 2018, 02:39:37 PM
You sure it is me? They asked you which card gives 5x on gas and you answer with needing two cards and booking airfare that gives you %.

I said you can earn 5% cash back with $0 fee. I said nothing about 1 card. That was you, attributing to me, something I did not say.

Considering you can earn 5% cash back with $0 annual fee, you'd have to spend nearly $150,000 per year or $12,500 per month on gas, and that's only to break even.  You would not earn a penny more than simply using the cash back card until that threshold.
Title: Re: BGR will be relaunched with new benefits
Post by: ChaimMoskowitz on November 07, 2018, 02:44:11 PM
Question that was asked:
So which card that is good for MS and gives 5X on gas?
...and your answer:
Propel combined with WF Visa can give 5.25% CB towards travel with $0 AF.
Title: Re: BGR will be relaunched with new benefits
Post by: ChaimMoskowitz on November 07, 2018, 02:47:49 PM
Hopefully everyone has enough information now that we killed the horse to make an informed decision if it works for you or not.
Title: Re: BGR will be relaunched with new benefits
Post by: AJK on November 07, 2018, 02:51:35 PM
Question that was asked:...and your answer:

Exactly. Except you're proving my point and undercutting yours: you're quoting another example my having never represented 5X on a single card.

Him: "Tell me where I can find the best steak."

Me:  "A and B are two excellent places."

You: "See! You didn't name only one place! Even though he asked for the best!"
Title: Re: BGR will be relaunched with new benefits
Post by: ChaimMoskowitz on November 07, 2018, 02:55:10 PM
Exactly. Except you're proving my point and undercutting yours: you're quoting another example my having never represented 5X on a single card.

Him: "Tell me where I can find the best steak."

Me:  "A and B are two excellent places."

You: "See! You didn't name only one place!"
You won't let it go so I will play along. Is there any card (MSing) currently I can get 5x or 5% on gas?
Title: Re: BGR will be relaunched with new benefits
Post by: mmgfarb on November 07, 2018, 02:56:33 PM
Get a room you two.
Title: Re: BGR will be relaunched with new benefits
Post by: ChaimMoskowitz on November 07, 2018, 02:58:59 PM
Get a room you two.
Right after I get my 5x/5% gas MS card.  :)
Title: Re: BGR will be relaunched with new benefits
Post by: davidrotts63 on November 08, 2018, 06:34:41 AM
make that yawn a barf🤮🤮🤮🤮

https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/45094?linknav=US-Acq-GCP-BusinessCards-ViewAllCards-Offer-Gold

Title: Re: BGR will be relaunched with new benefits
Post by: jes on November 08, 2018, 09:08:19 AM
Correct if I'm wrong but I think that's a plus at least for me.

Currently it's $175 so just by spending 10k the $120 more paid for itself by getting 1 point more.

Title: Re: BGR will be relaunched with new benefits
Post by: davidrotts63 on November 08, 2018, 09:10:01 AM
No SUB. AF not waived for the first year.
For starters
Title: Re: BGR will be relaunched with new benefits
Post by: Redbull3 on November 08, 2018, 11:01:24 AM
Just something I noted, there may be nothing here. One of the 4x categories is "U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions" which includes newegg which sells some GC online.
Title: Re: BGR will be relaunched with new benefits
Post by: AJK on November 08, 2018, 01:53:18 PM
You won't let it go so I will play along. Is there any card (MSing) currently I can get 5x or 5% on gas?
https://www.firstbankcard.com/ducksunlimited/landingpage/visaplat/

Title: Re: BGR will be relaunched with new benefits
Post by: ChaimMoskowitz on November 08, 2018, 01:56:49 PM
https://www.firstbankcard.com/ducksunlimited/landingpage/visaplat/
TT or any purchase?  :)
Title: Re: BGR will be relaunched with new benefits
Post by: AJK on November 08, 2018, 01:59:21 PM
Any.
Title: Re: BGR will be relaunched with new benefits
Post by: ChaimMoskowitz on November 08, 2018, 02:02:43 PM
Any.
Nice!
"Gas Purchases" are Net Purchases made at any merchant whose MCC is classified by the payment card industry as "Service Stations" (MCC 5541) or "Automated Fuel Dispensers" (MCC 5542).
Title: Re: BGR will be relaunched with new benefits
Post by: mochjas on November 08, 2018, 02:03:46 PM
https://www.firstbankcard.com/ducksunlimited/landingpage/visaplat/
Where did you pull this out of?
Title: Re: BGR will be relaunched with new benefits
Post by: ChaimMoskowitz on November 08, 2018, 02:50:41 PM
Look up your place and see if it is coded 5541 or 5542.
Title: Re: BGR will be relaunched with new benefits
Post by: Redbull3 on November 08, 2018, 02:52:56 PM
Look up your place and see if it is coded 5541 or 5542.
How do you look such things up?
Title: Re: BGR will be relaunched with new benefits
Post by: ChaimMoskowitz on November 08, 2018, 03:01:39 PM
How do you look such things up?
Not 100% accurate but close.
https://www.visa.com/supplierlocator-app/app/#/home/supplier-locator
Title: Re: BGR will be relaunched with new benefits
Post by: farmbochur on November 08, 2018, 03:18:05 PM
https://www.firstbankcard.com/ducksunlimited/landingpage/visaplat/

Thanks (ETA) CM for finally getting us an alternative to compare. All comes down to how you value MR. Any valuation north of 1.30 CPP has opportunity.
Title: Re: BGR will be relaunched with new benefits
Post by: ChaimMoskowitz on November 08, 2018, 03:19:27 PM
Why is everyone thanking @AJK. I was the one that got him to post it.  :)
Title: Re: BGR will be relaunched with new benefits
Post by: farmbochur on November 08, 2018, 03:22:36 PM
Why is everyone thanking @AJK. I was the one that got him to post it.  :)
Fixed
Title: Re: BGR will be relaunched with new benefits
Post by: ChaimMoskowitz on November 08, 2018, 03:27:15 PM
Fixed
Lets at least give him a "like" so he can feed his family.  :)
Title: Re: BGR will be relaunched with new benefits
Post by: as2 on November 08, 2018, 04:53:49 PM
It's far from the only card of its kind...
Title: Re: BGR will be relaunched with new benefits
Post by: jes on February 10, 2019, 03:59:20 PM
Any SUB offer for this card?
Title: Re: BGR will be relaunched with new benefits
Post by: shmielyosef on February 11, 2019, 05:20:25 AM
Any SUB offer for this card?
Via referral you can get 50k for 5k spend
Title: Re: BGR will be relaunched with new benefits
Post by: meilich on February 11, 2019, 06:03:05 PM
I have a gold card less the 1 year and got a offer today in the mail for a gold card 50k 2k spend . Can I have 2 gold cards? Or are there any other options?