Advice on which AMEX card to apply for

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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Curlyp
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Advice on which AMEX card to apply for

Postby Curlyp » Thu Apr 02, 2015 3:20 pm

Hello Community!

I am looking to apply for my first AMEX card. I am stuck between the EveryDay Preferred Credit Card and Blue Cash Preferred Card. From what I have read online, Blue Cash is strictly cash back and the Everyday is points only. I also read that unlike the limit to bonuses at the grocery store, there is no limit to the amount of bonuses on gas for the Blue Cash. So, each time I fill up my tax, I will receive 3% cash back (unlimited amount).

Based on the users who have these cards, what are the benefits of each? Which would would you recommend for someone to sign up as their first AMEX Cad?

Below are the sign up bonuses of each card:

Amex EveryDay Preferred Credit Card

Welcome offer: Earn 15,000 Membership Rewards Points after you make $1,000 in purchases with your new Card in the first 3 months.

Earning Rewards:

3X Points at U.S. supermarkets on up to $6,000 per year in purchases (then 1X).
2X Points at U.S. gas stations.
1X Points on other purchases.
Earn 50% Extra Points
Use your Card 30 or more times on purchases in a billing period and get 50% more points on those purchases less returns and credits. Terms and limitations apply.


Blue Cash Preferred Card from American Express

Welcome offer: Get $150 back after you spend $1,000 on purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.

Earning Rewards:
6% Cash Back at US supermarkets up to $6,000 per year in purchases (then 1%).
3% Cash Back at US gas stations and select U.S. department stores.
1% Cash Back on other purchases.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.


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CarefulBuilder14
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Postby CarefulBuilder14 » Thu Apr 02, 2015 4:57 pm

First familiarize yourself with the MR airline transfer partners.

If you can get good value from miles with some of the airline transfer partners, and will use the card 30 times a month, then the EDP may offer much better rewards.
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Curlyp
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Postby Curlyp » Thu Apr 02, 2015 6:21 pm

CarefulBuilder14 wrote:First familiarize yourself with the MR airline transfer partners.

If you can get good value from miles with some of the airline transfer partners, and will use the card 30 times a month, then the EDP may offer much better rewards.


Thanks for the feedback.

What does MR stand for? Realistically, I will not use the card 30 times a month (at least not anytime soon)!

Taalar
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Postby Taalar » Thu Apr 02, 2015 7:11 pm

I recently switched (about 6 months ago) to the preferred cash, and I love it, especially the 6% on the grocery stores. It easily pays for the annual fee. It is my go to card for all of my gas and groceries. :)
Chase Sapphire Preferred Visa Signature $45,000
Chase Sapphire Reserve Visa Infiniti $15,000
Capital One Quick Silver Visa Signature $25,000
AmEx Blue Cash Preferred $35,500
B of A Visa Signature $47,500
Credit scores range 818-837

Curlyp
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Postby Curlyp » Fri Apr 03, 2015 8:23 am

Taalar wrote:I recently switched (about 6 months ago) to the preferred cash, and I love it, especially the 6% on the grocery stores. It easily pays for the annual fee. It is my go to card for all of my gas and groceries. :)


Thank you for the feedback.

daniel2304
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Postby daniel2304 » Fri Apr 03, 2015 8:45 am

MR is Membership Rewards, or points you will earn by Everyday Card. MR can be used to redeem for cash, purchases on Amazon or transfer to royalty points of other hotels or airlines, which also the best way to maximize your rewards if you know how to.
All my posts are my opinions. All my posts mentioned "you" are merely for discussion-purpose only. No advice is given in any post at any time. It is also impossible for me to put effort to verify every statement that anyone has given.

Curlyp
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Postby Curlyp » Fri Apr 03, 2015 10:34 am

daniel2304 wrote:MR is Membership Rewards, or points you will earn by Everyday Card. MR can be used to redeem for cash, purchases on Amazon or transfer to royalty points of other hotels or airlines, which also the best way to maximize your rewards if you know how to.


Thanks!

Based on the information posted in the thread, I applied for the BCP and was approved. It seems to fix more towards are spending right now. My wife does all the grocery shopping and I buy most of the gas. This way, we can maximize the cash back on those purchases. For my dining and traveling I will use the Chase Sapphire Refereed and Chase Freedom (depending what is active for the 5%).

JamesMS
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Postby JamesMS » Wed Apr 15, 2015 9:28 am

Honestly it just depends on your personal preference. I have both the Everyday and Blue Cash Everyday cards and both have their perks. The question is would you rather have the points or cash back? Answer that question and apply. Good luck.
Main Cards:
Amex BCE
Amex Everyday
Bank of America Cash Rewards
Chase Freedom
Capital One Quicksilver
Citi Thank You Preferred

Spark Cash Back (Business), Amex Plum (Business)



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