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Which AMEX card to get?

Posted on 5/11/14 at 3:13 pm
Posted by kywildcatfanone
Wildcat Country!
Member since Oct 2012
119195 posts
Posted on 5/11/14 at 3:13 pm
So a Costco just moved into town. We go to Sam's Club already regularly but the wife wanted to check out Costco today and we did. She loved the place.
They only take AMEX For CC, and all I have is an AMEX blue I've had for years and had thought had probably expired to be honest with you, but it still works. Signed up for a membership and shopped with it, but figure I would get an AMEX card with some return.

Back in January got a Barclay's World Arrival MC and love the 2 points on all purchases. With the 40K they give you for signing up, I'm over 100K already.

AMEX card options? I'm open to whatever. I've considered, and mentioned on here before about the Delta one, simply because it's my carrier with the most flights and I fly the most. But I don't fly that much, a couple of times a year for work and once personal. Might go up a bit in a year or so, but not a lot.

What does the wisdom of the MT board have for me?
Posted by VABuckeye
Naples, FL
Member since Dec 2007
35558 posts
Posted on 5/11/14 at 3:25 pm to
I recently got the Gold Rewards card. 3% on airline tickets and 2% on gasoline and groceries with 1% on everything else. Please note that stores like Costco fall into the 1% category.

The nice thing about Amex points is that you can transfer them to any one of about 20 travel partners and there are periods during the year when you can get a bonus to your points transfer.
Posted by Croacka
Denham Springs
Member since Dec 2008
61441 posts
Posted on 5/11/14 at 3:44 pm to
You want points or cash?


Amex blue cash preferred is my favorite card

6% at grocery stores
3% at gas stations and dept stores
1% everywhere else

That's cash back too, don't have to worry about redemption restrictions or anything

75 annual fee but easily worth it IMO
Posted by TigerTatorTots
The Safeshore
Member since Jul 2009
80780 posts
Posted on 5/11/14 at 3:53 pm to
What type of sign up bonus does the blue cash have?
Posted by Teddy Ruxpin
Member since Oct 2006
39582 posts
Posted on 5/11/14 at 3:55 pm to
Unfortunately 6% cash back at grocery stores doesn't apply to Costco. Nor do I believe 3% either. What a bummer.
This post was edited on 5/11/14 at 3:56 pm
Posted by kywildcatfanone
Wildcat Country!
Member since Oct 2012
119195 posts
Posted on 5/11/14 at 4:13 pm to
quote:

You want points or cash?


The most bang for my buck honestly. I think the Barclay's card will get me a flight each year, but if I fly Delta a couple of times a year, that card could get me a couple of hundred dollars in bag fees.

It will only be used for Costco and perhaps other places where it pays better than Barclay's. Haven't looked into the Blue Cash Preferred. Cash back would be fine if that's the best deal.
Posted by Croacka
Denham Springs
Member since Dec 2008
61441 posts
Posted on 5/11/14 at 4:31 pm to
quote:

Unfortunately 6% cash back at grocery stores doesn't apply to Costco. Nor do I believe 3% either. What a bummer.


True, but how much money does one reasonably expect to spend at a Costco each month


We spend way more at albertsons or the like each month than we do sams
Posted by Teddy Ruxpin
Member since Oct 2006
39582 posts
Posted on 5/11/14 at 4:35 pm to
Have you been to Costco?
Posted by Croacka
Denham Springs
Member since Dec 2008
61441 posts
Posted on 5/11/14 at 4:37 pm to
No, but there's only so much you can buy in bulk


Assuming you don't have a very large family
Posted by kywildcatfanone
Wildcat Country!
Member since Oct 2012
119195 posts
Posted on 5/11/14 at 4:44 pm to
We probably spend an average of $500 a month at Sam's, not sure how that will split off between Sams and Costco, now that there is one here.

That is why I was thinking of Delta, since I do see a couple of hundred dollars a year there and one ticket when you sign up.

I think I'm still going to be using Barclay's for everwhere but Costco, but could see spending several $K per year there, so that is why I'm looking for the best option.
Posted by Bob Sacamano
Houston, TX
Member since Oct 2008
5277 posts
Posted on 5/11/14 at 4:46 pm to
Amex Platinum or Blue Cash Pref.
Posted by Notro
Alison Brie's Boobs
Member since Sep 2011
7883 posts
Posted on 5/11/14 at 4:53 pm to
Posted by Croacka
Denham Springs
Member since Dec 2008
61441 posts
Posted on 5/11/14 at 4:55 pm to
I don't really see the benefit to that card


It only gives 3% for gas at Costco

Posted by Notro
Alison Brie's Boobs
Member since Sep 2011
7883 posts
Posted on 5/11/14 at 5:04 pm to
I know....I have the blue preferred cash and have wondered if I can get the Amex Serve load it at a grocery store to get the 6%. Take it to Costco and buy a Costco cash card and get the 2% back through my membership. Then use the Costco cash card at the gas station for another 2%???? I dunno???
Posted by Croacka
Denham Springs
Member since Dec 2008
61441 posts
Posted on 5/11/14 at 5:10 pm to
Amex now limits the grocery category to 6000 a year on the BCP card

People figured out the gift card logo so Amex had to limit it
Posted by BACONisMEATcandy
Member since Dec 2007
46643 posts
Posted on 5/11/14 at 10:15 pm to
but at costco you get 2% back on whatever you buy at year end if you get the exec membership. I pays for the membership fee for me

ETA: I use my Delta Amex there
This post was edited on 5/11/14 at 10:17 pm
Posted by econ85
Member since Nov 2012
572 posts
Posted on 5/11/14 at 11:06 pm to
I have the Capital One Rewards Card.

* No foreign transaction fees
* No annual fee
* 2% back on all purchases (not sure if that's the cash back rate but it'st he rate on best buy gift cards and other rewards)
Posted by VABuckeye
Naples, FL
Member since Dec 2007
35558 posts
Posted on 5/12/14 at 7:07 am to
quote:

Capital One Rewards Card


Not an American Express card IIRC.
Posted by Croacka
Denham Springs
Member since Dec 2008
61441 posts
Posted on 5/12/14 at 8:25 am to
quote:

but at costco you get 2% back on whatever you buy at year end if you get the exec membership. I pays for the membership fee for me



how much more is the exec membership there?

and i'm assuming it has nothing to do with getting the costco amex


again, i don't see any benefit to the costco amex, there are other amex cards with better benefits, though they have an annual fee
Posted by Bassmaster
Baton Rouge
Member since Feb 2005
149 posts
Posted on 5/12/14 at 8:28 am to
quote:

What type of sign up bonus does the blue cash have?


I got the blue cash preferred and got $150 after I spend $1,000 in 3 months. Not a large bonus, but I got it for the 6% back on groceries and 3% on gas.
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