Amazon FRESH Merchant Caterogry w/ AMEX

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Lookingforthenextcard
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Amazon FRESH Merchant Caterogry w/ AMEX

Postby Lookingforthenextcard » Wed Mar 02, 2016 5:31 pm

I was looking to get the BCP Amex primarily for the 6% back on groceries.

95% of our grocery shopping is done on AmazonFRESH.com and this card seems like the right fit with growing my credit history. I know the service isn't available in all markets but if anyone has any experience please let me know. From Amex's site it says *Online supermarkets such as FreshDirect qualify. https://www.americanexpress.com/us/cont ... il.html#DS According to this AmazonFresh.com would fall in the same category but I know for Visa it has more to do with how the merchant sets it up and don't think FreshDirect is normally 5411 MCC.

So if anyone knows if AmazonFresh falls in the retail category of Grocery/Supermarkets for Amex or has first hand experience please let me know!


Lookingforthenextcard
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Re: Amazon FRESH Merchant Caterogry w/ AMEX

Postby Lookingforthenextcard » Thu Mar 03, 2016 4:09 pm

Just spoke with Amex Rewards. Amazon Fresh charges fall under Amazon so it doesn't qualify. Hope this helps someone else. I am glad I checked as this is the strongest selling point of the card for me. Now I just have to decide if I should take up the 100K promo for the platinum instead. I think the Blue Cash Everyday is still a good card for me. Does anyone have any thoughts?

augiedog
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Re: Amazon FRESH Merchant Caterogry w/ AMEX

Postby augiedog » Mon Mar 07, 2016 4:13 pm

If you buy from Amazon so often you should try getting a Discover It or Chase Freedom. Discover will both be offering 5% cash back on Amazon for the second half of this year, and Chase often does the same. Although, I would also make sure Amazon Fresh is not an excluded category. Discover's program details will be available in June and will run from July through December for Amazon.

Chase also has a sign up bonus of $150 if that's what you're looking for (you mentioned the 100k promo). Chase will also have 5% cash back April through June on groceries, and those details will be released in April (as far as exclusions - they always exclude Target and Walmart).

Every now and then Amex Offers have discounts for Amazon (like spend $60, receive $15 statement credit), which may work out for you if you really want an American Express (they often have targeted offers for heavy Amazon customers).
American Express: Blue Cash Everyday (10k), Everyday, ; Discover It (7.3k) ; Target (2.1k)

Citi: Diamond (2k) ; Bank of America: Cash Rewards (2.6k) ; Capital One: Quicksilver (3k) , Sony ; Chase: Freedom (3.7k), Slate (3k), (Amazon) ; Barclay Ring ; Synchrony: Walmart MC, Amazon, Ebates

Lookingforthenextcard
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Re: Amazon FRESH Merchant Caterogry w/ AMEX

Postby Lookingforthenextcard » Mon Mar 07, 2016 6:01 pm

Thanks for the feedback augiedog.

Hesistating on the Discover just because I prefer to grow my credit with Amex and Chase appears to have tight lending requirements with thin credit history. I like a lot of the perks Amex offer such as Amex Offers that you mentioned and the centurion lounge access with platinum as I fly out of Laguadia often and my schedule is flexible so I could get use of out of the perks on this card to justify the annual fee. I am not a big fan of the rotating catergories on cards. Does Discover typically offer 5% for 2 quarters every year with Amazon?

I thought of maybe purchasing amazon gift cards with amex at the grocery store to qualify for the 6% cash back but it takes away some of the convience and it doesn't look like a lot of grocery stores carry Amazon gift cards in NYC. I have a clean but thin credit history and it appears that Amex typically extends offers to clients with newly established credit with frequent CLIs based on income.



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