Amex and "counting" purchases for EDP

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CarefulBuilder14
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Re: Amex and "counting" purchases for EDP

Postby CarefulBuilder14 » Tue May 26, 2015 4:19 pm

I've had the card in my possession for 21 days and just got the 30 transaction "Congratulations" message. Apart from a cup of coffee that would have earned a better reward rate under Freedom, EDP has been the reward-maximizing option for all the transactions. I haven't had to do anything weird like get gift cards or make multiple transactions for self-checkout.

* I really like the EDP/Freedom/CSP combo. I earn good-to-great rewards on gas, groceries, miscellaneous, dining, and all travel. I also get two main reward currencies that are flexible and lucrative.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when


Vermonster
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Re: Amex and "counting" purchases for EDP

Postby Vermonster » Tue May 26, 2015 4:59 pm

CarefulBuilder14 wrote:* I really like the EDP/Freedom/CSP combo. I earn good-to-great rewards on gas, groceries, miscellaneous, dining, and all travel. I also get two main reward currencies that are flexible and lucrative.


I read a great article/review of the ED and EDP and they said that contrary to initial impressions the EDP is not a competitor to the CSP/Freedom, but rather a compliment. Besides the categories, Amex has some different travel partners than Chase. I think once I stop spending so much on gas I'll consider the swap over the EDP.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

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CarefulBuilder14
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Re: Amex and "counting" purchases for EDP

Postby CarefulBuilder14 » Tue May 26, 2015 5:37 pm

Vermonster wrote:I read a great article/review of the ED and EDP and they said that contrary to initial impressions the EDP is not a competitor to the CSP/Freedom, but rather a compliment. Besides the categories, Amex has some different travel partners than Chase. I think once I stop spending so much on gas I'll consider the swap over the EDP.

The only way that the cards compete is when Freedom has a 5% category that reduces the EDP's swipe count. That's a problem I'd like to have!

I haven't had to deal with it yet, since I didn't have EDP in Q1 (Freedom groceries) and Q2 Freedom is just taking restaurant swipes away from CSP. Q3 Freedom (gas) will take some swipes away from EDP, but Costco gas will remain on EDP.

If you can meet the 30 swipes, then using EDP for gas might be good. I'd take 3 MRs over 3% cash, and the AF is only slightly higher. Of course, keeping BCP might not make sense with EDP. PC-ing BCP to EDP is not an option, so EDP would need to be a new account.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

Vermonster
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Re: Amex and "counting" purchases for EDP

Postby Vermonster » Tue May 26, 2015 5:58 pm

CarefulBuilder14 wrote:If you can meet the 30 swipes, then using EDP for gas might be good. I'd take 3 MRs over 3% cash, and the AF is only slightly higher. Of course, keeping BCP might not make sense with EDP. PC-ing BCP to EDP is not an option, so EDP would need to be a new account.


Yeah the big reason I didn't go for the EDP is that 30 swipe count. I get gas every 10 days, and plan on only using the Amex for Gas and a few college bills that I want to pay over time. Also the easy CLI to help my utilization. The Freedom/CSP gets 99% of swipes and we pay them in full, but normally not before the statement cuts, so I'd like to have a large limit card report 0% util.

I like the idea of the EDP but meeting the 30 swipes is going to take more brain power than I can afford right now.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

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CarefulBuilder14
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Re: Amex and "counting" purchases for EDP

Postby CarefulBuilder14 » Tue May 26, 2015 6:51 pm

Vermonster wrote:Yeah the big reason I didn't go for the EDP is that 30 swipe count. I get gas every 10 days, and plan on only using the Amex for Gas and a few college bills that I want to pay over time. Also the easy CLI to help my utilization. The Freedom/CSP gets 99% of swipes and we pay them in full, but normally not before the statement cuts, so I'd like to have a large limit card report 0% util.

I like the idea of the EDP but meeting the 30 swipes is going to take more brain power than I can afford right now.

In your case, "feeding swipes" to EDP could be a hassle and not worth it. I thought, in general, that I wouldn't want to bother with tracking my swipes and that 30 would be a lot, but I went over a few months of spending and it just made sense - provided I don't throw away the MRs.

I shop at Costco a lot, and most warehouses have separate checkout areas for warehouse stuff, gas, the pharmacy, and the liquor store. That's 2-4 swipes each time. I also get fresh salad greens and fruit at a very convenient traditional grocery store every 2 or 3 days. That puts me pretty conservatively at 20 swipes a month before miscellaneous stuff.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

amex007
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Re: Amex and "counting" purchases for EDP

Postby amex007 » Thu May 28, 2015 1:00 pm

CarefulBuilder14 wrote:Maybe I just never noticed it before, since neither PRG nor BCE were ever cards I used for anything close to 30 transactions a month, but...

Amex EDP is definitely giving me inaccurate data about my transactions. I've not seen any fraudulent activity - all transactions that I've seen have been real and authorized - but they jump between appearing as posted, pending, both, or completely disappearing.

I've used the card 14 times, and 6 of the transactions have something unusual about how they are presented.*

*And the 6 transactions involve 5 different merchants, so it's not one or two merchants doing something weird.


Weird. I've never had such thing happen to me before but then again I have the regular ED. Stil, i cant really imagine there would be some sort of conspiracy as amex is usually reliable.
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CarefulBuilder14
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Re: Amex and "counting" purchases for EDP

Postby CarefulBuilder14 » Thu May 28, 2015 6:42 pm

amex007 wrote:Weird. I've never had such thing happen to me before but then again I have the regular ED. Stil, i cant really imagine there would be some sort of conspiracy as amex is usually reliable.

The "swipe wheel" is still unavailable on the website at times, and previously posted recent transactions are still having duplicates appear as pending.

Member, did the Amex website ever display the "Congratulations" message in your last cycle? Have you tracked down the missing transactions?
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when



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