guitarguy wrote: fareastwarriors wrote:
jrbdmb wrote:Related question about spending some of the $6000 grocery spend for my Amex Blue Cash Preferred ...
I have about $1500 in grocery spend (6% cash back) remaining on my BCP that I'd like to use ASAP. A recent Amex BCP Terms and Conditions update taking effect July 01 2017 states specifically that Gift Card Purchases and Reloads (and other "money equivalent" transactions) do not qualify for the normal 6% rewards.
Can Amex really identify whether I'm buying a GC at the local store vs. groceries? Is there any way to avoid scrutiny other than avoid "obvious" purchase totals like $505.95?
I been buying gift cards using BCP with no problems but I usually include other grocery items. I don't know if Amex has the ability to see everything I purchased in my cart.
You say the terms are effective 7/1? Then you have a few more weeks to max it out.
We recently downgraded to the BCE, and I literally bought a $60 gift card and no other items to get 3% and take my cash back reward balance to $25.02, cash it in, and now I will shelve the card because we don't use it anymore.
However, down the road if/when we switch back to cash back cards, the BCP will be a certain upgrade for us. Do you have a link to the terms of service change that states you will no longer be able to earn rewards on gift cards?
If that's true, it would really kill the purpose for having several cards (Freedom, Ink, BCP, etc) that are valuable for spend where you can max categories and so forth by stocking up on gift cards...assuming of course the other banks follow suit.
Here is text from my April 2017 statement. I cannot locate a previous agreement to determine if the highlighted text below (no 6% cash back for MOs or GCs) is new or just revised from previous agreements.
Details of Important Changes to Your Cardmember Agreement
This notice amends the Cardmember Agreement (the "Agreement") as described below. We have the right to
amend it as described in the Agreement. Any terms in the Agreement conflicting with this change are replaced
fully and completely. Terms not changed by this notice remain in full force and effect. We encourage you to read
this notice, share it with Additional Cardmembers on your account, and file it for future reference. If you have any
questions about this change, please call the number on the back of your Card.
Things you should know about this program
Effective June 30, 2017, the Supplement to the Agreement is amended by deleting the How you earn reward
dollars section and replacing it with the following:
How you earn
You will earn Blue Cash® Reward Dollars (reward
dollars) for eligible purchases on your Blue Cash
Preferred® Card Account. The number of reward
dollars you earn is based on a percentage of
the dollar amount of your eligible purchases
during each billing period. Eligible purchases are
purchases made on your Card for goods and
services minus returns and other credits.
Eligible purchases do NOT include:
• fees or interest charges,
• balance transfers,
• cash advances,
• purchases of traveler's checks,
• purchases or reloading of prepaid cards,
• purchases of any cash equivalents.
You will earn a reward of:
• 6% on the first $6,000 of eligible
purchases in a calendar year at
supermarkets located in the U.S.
(superstores and warehouse clubs are not
• 3% on eligible purchases of gasoline
at gasoline stations located in the
U.S. (superstores, supermarkets and
warehouse clubs that sell gasoline are not
considered gas stations);
• 3% on eligible purchases at select major
department stores located in the U.S. (The
current list of select major department
stores at which you can earn a 3% reward
is available at americanexpress.com/
• 1% on all other eligible purchases.
Purchases made through a third-party payment
account or on an online marketplace (with
multiple retailers) will not earn a higher
Merchants are typically assigned codes and
categorized based on what they primarily sell.
A purchase will not earn a higher percentage
reward if the merchant, or a particular merchant
location, uses a code that is not eligible for a
higher percentage reward. For questions about a
higher percentage reward on a purchase, call the
number on the back of your Card.
A purchase may not earn a higher percentage
reward if the merchant submits the purchase
using a mobile or wireless card reader or if you
use a mobile or digital wallet.
Please visit americanexpress.com/rewards-info
for more information about rewards.