[ American Express Blue Cash Preferred ] Enhanced Cash-Back Rewards Card for Grocery-Shopper

AMEX_BCP

 

  • Credit Card Type: Cash-back Card
  • Current Offer: Earn $150 cash-back rewards after spending $1,000 in purchases within the first 3 months.
  • Special Offer: No
  • Bonus Category: 6% cash-back per dollar for US supermarkets. 3% cash-back per dollar for US gas station and select US department stores. 1% cash-back per dollar for all other purchases.
  • Annual Fee: $95 (Not Waived First Year)

Tips:

1. You can use this card to buy gift cards for other spending needs at supermarket and get 6% cash back.

2. With this card, you have access to Amex Offers, which offers additional cash/points rebate for spending.

3. Adding authorized users (additional cards) is free of charge, which is able get access to more AMEX Offers.

4. Only first $6,000 purchases per calendar year at US supermarkets can earn 6% cash-back rewards. If you spend less than $6,000 in grocery shopping per year, buying gift cards at supermarket can be an option to earn maximum cash-back rewards.

Restrictions when you apply:

1. You can only apply for one AMEX credit card per day, but the rule does not apply to AMEX charge cards. If you apply one credit card and one charge card on the same day, AMEX are going to combine hard-pull (for credit report). Therefore we suggest the reader apply for another AMEX charge card at the same time when applying AMEX credit card, so the applicant will only be hard-pulled once.

2. Please check the status from this link if you do not get instant approval. We strongly suggest you to call AMEX Reconsider Line to ask them about reconsidering the application if you do not get instant approval or be denied. Generally, you will have a chance to be approved after providing the information they need when calling them. The phone number of AMEX Reconsideration Line is 1-800-567-1083.

Notes:

This is a must-have cash-back credit card for grocery shopper. If you will spend $6,000 in supermarkets per year, you will end up earning $360 cash-back. After paying $85 annual fee, you are still earning $265 cash-back rewards. There is another card from AMEX – AMEX Everyday Preferred with 3x grocery-shopping points rewards card for MR points lovers. Therefore, if you prefer to earn cash-back rewards, this is the card for you. Otherwise, applying for AMEX Everyday Preferred (up to 27,000 MR points in grocery-shopping) can be an alternative option.

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