Topic Wiki

To sign up:

http://www.dansdeals.com/go/BlueCashPreferred5/

You will receive a reward of 6% on the first $6,000 of eligible purchases in an annual reward year at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets); 3% on eligible purchases of gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); 3% on eligible purchases at select department stores located in the U.S. (the current list of select major department stores at which you can get a 3% reward is available at americanexpress.com/rewards-info ); and 1% on all other eligible purchases (and on supermarket shopping beyond $6,000).

The annual reward year referred to in the previous paragraph is 12 billing periods in a row beginning with the one that includes January 1st; if your billing cycle changes, the length of your annual reward year will also change.

Effective June 30, 2017, the "annual reward year" will be a calendar year:
You will earn a reward of 6% on the first $6,000 of eligible purchases in a calendar year at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets); 3% on eligible purchases of gasoline at gasoline stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); 3% on eligible purchases at select department stores located in the U.S. (the current list of select major department stores at which you can earn a 3% reward is available at americanexpress.com/rewards-info ); and 1% on all other eligible purchases (and on supermarket shopping beyond $6,000).

« Last edited by David R on May 09, 2017, 03:24:04 AM »

Author Topic: Amex Blue Cash Preferred Master Thread  (Read 26799 times)

Offline Redbull3

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Dec 2011
  • Posts: 3166
  • Total likes: 73
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Amex Blue Cash Preferred Master Thread
« Reply #45 on: November 05, 2014, 11:33:25 PM »
I agree the mcc code is relevant, but for amexs blue cash products that's not necessarily enough.

Offline David R

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Mar 2012
  • Posts: 1577
  • Total likes: 7
  • DansDeals.com Hat Tips 4
    • View Profile
  • Location: Brooklyn, NY
Re: Amex Blue Cash Preferred Master Thread
« Reply #46 on: November 06, 2014, 12:15:43 AM »
I read the terms and drew my own conclusions based on the fine print. What I am asking for is what you know based on experience.

Which of the following earns 3%?
  • Gas paid for at the pump
  • Gas paid for inside
  • Gas bought from a supermarket (1%, 3%, or 6%?)
  • Other items purchased inside at a gas station (snacks, soda, etc.)
  • Gift cards purchased inside at a gas station (One Vanilla, etc.)
I can now share what I know from experience.
  • Gas paid for at the pump - earns 3%. Interestingly, when there was an AmEx promo for BP gas, the $5 credit also was included in the 3% (i.e., my cash back was reduced by $5 X 3% = 15). Similarly, when there was an ExxonMobil Speedpass promotion, my cash back was reduced by 3% of the Speedpass credit.
  • Gas paid for inside - I don't know yet.
  • Gas bought from a supermarket - earns only 1%. (I swiped my card at the pump to buy gas at King Soopers and earned only 1%. All non-gas purchases at this store earned 6%.)
  • Other items purchased inside at a gas station (snacks, soda, etc.) - I don't know yet.
  • Gift cards purchased inside at a gas station - earns only 1%. (I bought One Vanilla at a 7-11 that sells gas and earned only 1%.)

Most 7-11's are coded on the Visa list as gas stations, and all purchases there come up as gas on Chase's 5x promos.
I agree the mcc code is relevant, but for amexs blue cash products that's not necessarily enough.
The MCC for MasterCard / Visa transactions may very well differ from the MCC for AmEx transactions. Two examples: When TigerDirect.com charges my Visa, the MCC is 5045; when they charge my AmEx it is 5969. When NewEgg.com charges my Visa, the MCC is 5732; when they charge my AmEx it is 5969.
« Last Edit: November 06, 2014, 12:49:07 AM by David R »

Offline ckmk47

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Aug 2012
  • Posts: 5840
  • Total likes: 109
  • DansDeals.com Hat Tips 3
  • Gender: Female
    • View Profile
  • Location: brooklyn
Re: Amex Blue Cash Preferred Master Thread
« Reply #47 on: November 06, 2014, 12:36:19 AM »
I can now share what I know from experience.
  • Gift cards purchased inside at a gas station - earns only 1%. (I bought One Vanilla at a 7-11 that sells gas and earned only 1%.)
I appreciate your experimenting and reporting back.
But the GC you bought was it for more than $400?
From the T & C: You get 5% on every day purchases including "purchases of $400 or less of gasoline at gas stations located in the U.S.". A  $500 card exceeds that. 

Offline David R

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Mar 2012
  • Posts: 1577
  • Total likes: 7
  • DansDeals.com Hat Tips 4
    • View Profile
  • Location: Brooklyn, NY
Re: Amex Blue Cash Preferred Master Thread
« Reply #48 on: November 06, 2014, 12:44:55 AM »
But the GC you bought was it for more than $400?
From the T & C: You get 5% on every day purchases including "purchases of $400 or less of gasoline at gas stations located in the U.S.". A  $500 card exceeds that.
Yes, the total transaction was over $1000. So we need someone to report what is earned if a One Vanilla card is loaded with $395.05 or less so that the total transaction will be $400 or less. Will they then award 3% or will they enforce the language and not award 3% because it is not "gasoline"?

Offline ChaimMoskowitz

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jun 2014
  • Posts: 6665
  • Total likes: 1053
  • DansDeals.com Hat Tips 1
  • Gender: Female
    • View Profile
Re: Amex Blue Cash Preferred Master Thread
« Reply #49 on: November 06, 2014, 12:55:43 AM »
I have bought numerous GC's at 7-11 with BC and BCP. The first 400 earned the higher rate of 5/6%.
I just found a new supply of forks!

Offline ckmk47

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Aug 2012
  • Posts: 5840
  • Total likes: 109
  • DansDeals.com Hat Tips 3
  • Gender: Female
    • View Profile
  • Location: brooklyn
Re: Amex Blue Cash Preferred Master Thread
« Reply #50 on: November 06, 2014, 12:58:13 AM »

CMIIW, but the T&C the T&C on the link above for the Old Blue Cash Card has the following:


For each dollar of eligible purchases in excess of $6,500 in that same reward year, you will receive a reward of 5% on Everyday Purchases and a reward of 1% on other purchases. If your billing cycle changes, the length of your reward year will also change.
Everyday Purchases are: eligible purchases made at supermarkets located in the U.S.(superstores and warehouse clubs are not considered supermarkets); eligible purchases of $400 or less of gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations), and eligible purchases made at U.S. locations of select major drugstores. (The current list of select major drugstores is available at americanexpress.com/rewards-info.)


So I understand that to mean that after $6500 in spending in your year you earn 5% on supermarkets, gas (up to $400), AND select drugstores. Nothing is 3%.  Only 5% or 1%.


Which card gets 6% for that stuff?


Offline ChaimMoskowitz

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jun 2014
  • Posts: 6665
  • Total likes: 1053
  • DansDeals.com Hat Tips 1
  • Gender: Female
    • View Profile
Re: Amex Blue Cash Preferred Master Thread
« Reply #51 on: November 06, 2014, 01:00:57 AM »
BCP: Earn 6% Cash Back at US supermarkets up to $6,000 per year in purchases (then 1%)
I just found a new supply of forks!

Offline Barryg

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Nov 2012
  • Posts: 1435
  • Total likes: 6
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Ohio
Re: Amex Blue Cash Preferred Master Thread
« Reply #52 on: November 06, 2014, 01:49:42 AM »
I have bought numerous GC's at 7-11 with BC and BCP. The first 400 earned the higher rate of 5/6%.
So if purchase is higher than $400, then the first 400 gets 5%/3% and the last hundred and five gets 1% ?

Offline ChaimMoskowitz

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jun 2014
  • Posts: 6665
  • Total likes: 1053
  • DansDeals.com Hat Tips 1
  • Gender: Female
    • View Profile
Re: Amex Blue Cash Preferred Master Thread
« Reply #53 on: November 06, 2014, 01:54:30 AM »
So if purchase is higher than $400, then the first 400 gets 5%/3% and the last hundred and five gets 1% ?
Correct. Found out the hard way making 1k purchases.  :-[
I just found a new supply of forks!

Offline Redbull3

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Dec 2011
  • Posts: 3166
  • Total likes: 73
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Amex Blue Cash Preferred Master Thread
« Reply #54 on: November 06, 2014, 09:55:36 AM »
I have bought numerous GC's at 7-11 with BC and BCP. The first 400 earned the higher rate of 5/6%.

Interesting, so it sounds like the terms aren't enforced (requiring the purchase to be of gasoline).

Offline ChaimMoskowitz

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jun 2014
  • Posts: 6665
  • Total likes: 1053
  • DansDeals.com Hat Tips 1
  • Gender: Female
    • View Profile
Re: Amex Blue Cash Preferred Master Thread
« Reply #55 on: November 06, 2014, 09:58:16 AM »
Interesting, so it sounds like the terms aren't enforced (requiring the purchase to be of gasoline).
By me if 7-11 offers gas everything is coded as gas station. We have stand alone 7-11's that don't have gas. I stay away from them.
I just found a new supply of forks!

Offline ckmk47

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Aug 2012
  • Posts: 5840
  • Total likes: 109
  • DansDeals.com Hat Tips 3
  • Gender: Female
    • View Profile
  • Location: brooklyn
Re: Amex Blue Cash Preferred Master Thread
« Reply #56 on: November 06, 2014, 04:14:21 PM »
By me if 7-11 offers gas everything is coded as gas station. We have stand alone 7-11's that don't have gas. I stay away from them.
Many of them are coded as gas, too.

Offline etech0

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2013
  • Posts: 9191
  • Total likes: 268
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: not lakewood
  • Programs: DDF
Re: Amex Blue Cash Preferred Master Thread
« Reply #57 on: November 06, 2014, 04:20:21 PM »
Many of them are coded as gas, too.
According to Amex??
Workflowy. You won't know what you're missing until you try it.

Offline beyond986

  • DansDeals Copper Elite
  • *
  • Join Date: Nov 2014
  • Posts: 5
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: US
Re: Amex Blue Cash Preferred Master Thread
« Reply #58 on: November 06, 2014, 06:14:40 PM »
My annual fee just post. Will Amex refund it if I cancel the card before due day? Thank you

Offline DaveInLA

  • Dansdeals Platinum Elite
  • ****
  • Join Date: May 2013
  • Posts: 499
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Amex Blue Cash Preferred Master Thread
« Reply #59 on: November 06, 2014, 09:51:46 PM »
Does someone know for sure when the $6000/yr limit resets? Is it calendar year or anniversary? For example, I signed up for the card in June 2012 (when it was unlimited). Do I get $6K for 2014 and another $6K for 2015? Or $6K from June to June?