CarefulBuilder14 wrote:I only use BCE for offers (in the form of automatic statement credits), so my actual cash back accumulates slowly.
If BCE is going to get a reasonably large percentage of your spending, then getting $25 in cash back may not take long.
I'd rather take a statement credit and use a card to make a purchase on Amazon (and earn rewards on the Amazon purchase) than use CC cash back on Amazon. I do see the convenience of using rewards directly on Amazon, though.
It is convenient, but realistically, paying with a CC vs shopping with points is a nominal difference in convenience (at least to me). Either way, you click a few things and you're done. And like you said, you earn rewards if making the purchase with CC and then taking a credit vs shopping with points outright.
I don't even use my BCP all that terribly much, and you're right the rewards add up fairly quickly thanks to the 3% department stores and gas and 6% groceries. But even when it was a BCE, the rewards added up pretty decently too. I'd love to get more use out of Amex Offers but they just keep throwing me offers for places I don't go to/shop at.