Just picked up this card a couple weeks ago. If u apply on resy they have a promo get 10% cash back on dining up to $150 for the first 6 months. Couldn't pass up that offer.
NFCU More Rewards is 3% gas, grocery, restaurants and transit. It also grows very well as far as CLIs. Great to see amex stepping up their game on some of the lesser used cards. Let's hope this continues!
@@ThoughtMachine1 exactly, i dont think people realize that being in the american express network alone is better than any other financial institutes card. I've got multiple cards on all the networks but my amex blue cash everyday card, discover it card, and chase freedom unltd seals the deal all the way around 🤷🏾♂️
I just got this card recently and it’s great. Not to mention the benefits are good and it has plenty of amazing offers such as statement credits. If you have to go to the store, check the offers first because they literally have hundreds of offers
The card is great but like all Amex cards the cash back does not apply to supermarkets like: Walmart, Target, Ross, Target, Costco, Sams Club, Best Buy, or any other major “warehouse supermarket.” Also many gas stations are not subject to the cash back as well which makes this card kinda suck. I don’t regret getting it but I definitely prefer my Business Blue Cash Preferred over my regular one. It offers 2% back on everything and no annual fee. Made more cash back on that in 1 month than with normal cash back preferred in 6 months.
If I want to pay in store at Walmart with this card, does Walmart pay make this count as an online purchase? I also have the PayPal credit card too. I want to get 3% back at Walmart somehow hopefully with one of those 2 cards.
I got this card just a little bit before the refresh due to the easy sign up bonus, and now it is even better. I will use it for groceries when one of my other cards does not cover them as a 5% category, and now it is my default online shopping card outside of Amazon. Amex customer service is top notch. I had to interface with their fraud department a couple of times with a corporate card from a former employer, and just had a small billing issue with one of my personal cards last year. In all cases, the person who answered the phone understood what was going on very quickly and was empowered to fix the problem without having to escalate to somebody else who would get back to me. Absolutely unheard of in this day and age.
This revamp was actually really beneficial for consumers which is awesome to see! This card is super viable, especially for those on team cash back. Gotta love it when lenders make their products better... it benefits them and us alike! Great video John.
The Synchrony Bank Verizon Visa card fits my purchases the best. For cashback, it offers 4% on gas and groceries, 3% online (including take-out), 2% on Verizon purchases and 1% on everything else.
@@shaqd89 I think you may be right that they are awarded as Verizon dollars. I forgot about that because I use them for a statement credit, but it is a credit on my Verizon wireless bill rather than to the credit card. You can purchase items or gift cards or travel, but I guess the Verizon dollar aspect would make it not good for everyone. Thanks
Honestly Apple Card’s best feature is the Apple wallet integration (best interface I’ve ever used) and if you look at the data points on it it’s one of the easiest card’s to get as a beginner with a legitimate path if denied, and easy of credit line increases. It’s all around the best beginner card especially with first learning about credit card’s This is coming from a Amex platinum and chase sapphire user.
@@xidaq4998 I can’t describe it but it’s the best UI that automatically groups all your spendings over week/ month/ year/ and helps me keep track of my spending. I use it knowing that I lose out on points just bc I save more money since Apple card helps me control my spending if that make sense
The problem with Citi Custom Cash is that if you want to take advantage of the 5% for purchases in supermarkets, Target and Walmart are excluded. I shop at Walmart, so doesn't make sense to me.
Thank you so much for laying all of the specs out for us. My family never taught me to invest.. or even pay my taxes. You’ve helped me take one more step towards understanding how to break the poverty line!
Actually if you pair this card with the Apple Card and the Chase Freedom Flex instead, you not only cover 3 categories for 3% but instead cover 7 different 3% categories including 5% rotating, and 2% on everything else. One of the most complete 3 card cash back set ups.
I have the other blue cash preferred card for the past 12 months and I’m in love with it. It’s $90 annual fee but it will eventually pay itself out. So far I’ve had $400 cash back which is mostly coming from grocery shopping. I’m not sure if I have a no interest promo bcuz I’ve never paid my balance off completely. 🤔
I applied for the blue cash everyday and was denied, I called the recon line and they told me I had opened too many bank accounts in the passed year to be able to open a credit account with them 😢
This is my favorite Amex card. They keep trying to get me to switch to the everyday preferred i will not switch. Online shopping is what keeps me using this card. My Citi costom cash card is my favorite cash card on the market.
If you were accepted for this card, May you please let me know the credit score you had at that moment. I want to figure out if I should apply for that credit card
I talked with Amex two days about new credit cash back card offers. We decided on this one and I’m happy. We went back and fourth with questions. The pros and cons. My boyfriend has the platinum card so we use those reward points for traveling.
Hey John! You left out another huge benefit which is 0% for 15 months. That's the game changer for me! I always pay my balances off in full but this will give a lot of wiggle room when making large purchases.
I highly suggest going with the preferred card for the first year since the first annual fee is waived. Then downgrade the card after 0% intro apr has expired and paid the revolving balance.
I have platinum and am considering the blue card preferred because I don’t drive at all. The blue preferred has a benefit for transit. Subway, Amtrak even buses etc. This regular one looks good though. I need to decide.
Thank you for covering this in great detail. None of the others are covering this card in great detail. This card will justify Amex collecting high transaction fees. The only thing that the Apple card is good for is 0 interest fees for X months. It is good if you want your product now and pay nothing in interest but you do need to start paying interest after the timeframe is over.
Technically, if you live in a western us state, you can get the BMO Cash Card, which also gets cash back on gas and groceries. Not as good as the BCE card but still an option out there
How the the grocery catagory work? Like if I buy food and clothes at walmart how does it know what is a grocery purshase? Or would everything from walmat count?
I love American Express, I think they have the best customer service (I have the gold and platinum card) but if you decide to cross over, keep in mind you’ll have to carry a Visa or Mastercard on hand as a back up in case the merchant doesn’t accept AMEX (highest merchant fee for them).
Is it kinda dumb if I get the Amex gold and use it with the blue card?? Because I’m thinking you aren’t stacking points as much and the categories over lap?? Any help to explain if this is a good combo🙏🙏
Question. So Walmart+ now has travel associated with it. Would that still fall under "US Retailer" so that i can get the 3% back AND 5% Walmart+ cash back? This double dip would be epic for me.
Now compared to the Blue cash preferred the one with the annual fee is this one still preferred Or is the prefers better as it offers more for cash back
Question: So when they reimburse you $7 for the Disney bundle, is that reimbursement every month or just once? I'm thinking of getting this card, might as well use it for my Disney bundle.
Out of nowhere, miles over other cards in the daily spend categories, the two cards to rule them all-lol: Redstone FCU Visa Signature - 5% on Restaurants AND Gas ALL THE TIME 3% on a bunch of categories AND still more 1.5% on everything else AND even more $150 bonus on $3k spend. AAA Daily Advantage Visa - 5% on Groceries ALL THE TIME, 3% on more categories, and $100 bonus on $1k spend.
I like my Costco card for gas. I buy almost all my gas at Costco, and have an executive membership so I get 6% total Cash back on the first 6k annually I spend on gas. Plus I get 4% cash back on all my Costco purchases, including travel packages through Costco travel.
Does it have to be just groceries at a supermarket or can you get the points with non groceries? Otherwise I'll speperate my groceries and use my Citi Double Cash Back Card on the non groceries.
Currently have the amex cashback preferred. Would it be wise to upgrade (before paying the annual fee) to the amex gold then pick this card up to supplement?
I just got approved for the gold card, but I decided to go with this one since it doesn't cost anything & I'm new to Amex. I don't think I'll use home chef, but I'll look it up just to see what it is.
So I know AMEX has a one time sign up bonus for your first entry level card regardless of which one it is, my question is. Since this card has a sign up bonus, if I were to get a gold or platinum down the road, would the sign up bonus for this card mean that I won’t be able to have one for any future Amex cards?
Ehh I like my Apple Card…but I only use it for Apple products, since you can cash back, plus interest free extended payment program. With a Family that’s a pretty big deal combo for me. 0% interest loan over 12-24 months on products plus 3% Cash back on those products.
Question- are you basically saying that in the example of buying a plane ticket- the value of points is greater than the value of the cash back to get the same plane ticket?
hi, i just wanted to ask you on thing. if we use this card to buy all the gadgets and everthing for the apartment. Suppose if i spent 4000$ from this card and it has zero APR for 15months so if we divide the 4000 by 15 and pay 270$ a month then am i safe?
I have the BCP also the Gold , Planning on getting this in about 5/6 months to increase my overall credit lines with AMEX , also run up that 3% online retail category for the card. 🤔 advice / tips anyone ?
By the way, the blue cash preferred annual fee isn't waived for the first year anymore, instead, you get $400 sign up bonus on 3,000 of spend in the first 6 months. (I got the card last week)
![[Full Guide] How to Climb the American Express Ladder in 2024](http://i.ytimg.com/vi/g5PdY-Kcduw/mqdefault.jpg)
![[Full Guide] How to Climb the American Express Ladder in 2024](/img/tr.png)
Just picked up this card a couple weeks ago. If u apply on resy they have a promo get 10% cash back on dining up to $150 for the first 6 months. Couldn't pass up that offer.
Is that offer still up
@@Tony-bf2fn yes it is
What is Resy?
@@johng.5100 what is resy
Is still out?
NFCU More Rewards is 3% gas, grocery, restaurants and transit. It also grows very well as far as CLIs. Great to see amex stepping up their game on some of the lesser used cards. Let's hope this continues!
CLI with navy federal are not what people have been saying!
They started me with a 16k limit on the more rewards & bumped it to 20k 4 months later
Absolutely!! Only thing is.. not everyone has access to NFCU. Anyone can apply for the AMEX Blue Cash Everyday card. ✌🏻🤟🏻👊🏻
Better to have a relationship with AMEX than any other bank. They are the mafia of credit issuers, and it's good to have them on your side.
@@ThoughtMachine1 exactly, i dont think people realize that being in the american express network alone is better than any other financial institutes card. I've got multiple cards on all the networks but my amex blue cash everyday card, discover it card, and chase freedom unltd seals the deal all the way around 🤷🏾♂️
The refreshed BCE makes it one of the best no annual fee cards imo!
I just got this card recently and it’s great. Not to mention the benefits are good and it has plenty of amazing offers such as statement credits. If you have to go to the store, check the offers first because they literally have hundreds of offers
The card is great but like all Amex cards the cash back does not apply to supermarkets like: Walmart, Target, Ross, Target, Costco, Sams Club, Best Buy, or any other major “warehouse supermarket.” Also many gas stations are not subject to the cash back as well which makes this card kinda suck. I don’t regret getting it but I definitely prefer my Business Blue Cash Preferred over my regular one. It offers 2% back on everything and no annual fee. Made more cash back on that in 1 month than with normal cash back preferred in 6 months.
I paid for a gas station sandwich with it and got 3%
I just pay online using paypal for those, it tricks it and you still get 3% instead of 1-2%
If I want to pay in store at Walmart with this card, does Walmart pay make this count as an online purchase? I also have the PayPal credit card too. I want to get 3% back at Walmart somehow hopefully with one of those 2 cards.
I’m rebuilding my credit and quite interested in building a relationship with Amex. This sounds like the way to do it!
I got this card just a little bit before the refresh due to the easy sign up bonus, and now it is even better. I will use it for groceries when one of my other cards does not cover them as a 5% category, and now it is my default online shopping card outside of Amazon.
Amex customer service is top notch. I had to interface with their fraud department a couple of times with a corporate card from a former employer, and just had a small billing issue with one of my personal cards last year. In all cases, the person who answered the phone understood what was going on very quickly and was empowered to fix the problem without having to escalate to somebody else who would get back to me. Absolutely unheard of in this day and age.
Glad that I have both the BCE & BCP. The refresh of the BCE was much needed.
This revamp was actually really beneficial for consumers which is awesome to see! This card is super viable, especially for those on team cash back. Gotta love it when lenders make their products better... it benefits them and us alike! Great video John.
The Synchrony Bank Verizon Visa card fits my purchases the best. For cashback, it offers 4% on gas and groceries, 3% online (including take-out), 2% on Verizon purchases and 1% on everything else.
Definitely better.
you can ony redeem them for "verizon dollars" though right?
@@shaqd89 I think you may be right that they are awarded as Verizon dollars. I forgot about that because I use them for a statement credit, but it is a credit on my Verizon wireless bill rather than to the credit card. You can purchase items or gift cards or travel, but I guess the Verizon dollar aspect would make it not good for everyone. Thanks
Didn’t they change the Verizon rewards on this card?
What happens after 1 year?
Honestly Apple Card’s best feature is the Apple wallet integration (best interface I’ve ever used) and if you look at the data points on it it’s one of the easiest card’s to get as a beginner with a legitimate path if denied, and easy of credit line increases. It’s all around the best beginner card especially with first learning about credit card’s
This is coming from a Amex platinum and chase sapphire user.
Don’t all credit cards work the same on Apple wallet, how’s it different?
@@xidaq4998 the Apple Card Is integrated differently than the other cards in the wallet
Agree whole heartedly
Well that's why you buy apple for they're ecosystem, until you want to actually be free then you go android.
@@xidaq4998 I can’t describe it but it’s the best UI that automatically groups all your spendings over week/ month/ year/ and helps me keep track of my spending.
I use it knowing that I lose out on points just bc I save more money since Apple card helps me control my spending if that make sense
The problem with Citi Custom Cash is that if you want to take advantage of the 5% for purchases in supermarkets, Target and Walmart are excluded. I shop at Walmart, so doesn't make sense to me.
Thank you so much for laying all of the specs out for us. My family never taught me to invest.. or even pay my taxes. You’ve helped me take one more step towards understanding how to break the poverty line!
Actually if you pair this card with the Apple Card and the Chase Freedom Flex instead, you not only cover 3 categories for 3% but instead cover 7 different 3% categories including 5% rotating, and 2% on everything else. One of the most complete 3 card cash back set ups.
what do you mean by 5% rotating?
@@detailsmove 5% on different categories every few months
I have the other blue cash preferred card for the past 12 months and I’m in love with it. It’s $90 annual fee but it will eventually pay itself out. So far I’ve had $400 cash back which is mostly coming from grocery shopping. I’m not sure if I have a no interest promo bcuz I’ve never paid my balance off completely. 🤔
I believe it’s a 15 month no interest promo. Be careful with that in the future
Man, I was about to sign up for this card but not being able to convert cash back to AMR points is a deal breaker.
Amex is killing the game
I applied for the blue cash everyday and was denied, I called the recon line and they told me I had opened too many bank accounts in the passed year to be able to open a credit account with them 😢
This is my favorite Amex card. They keep trying to get me to switch to the everyday preferred i will not switch. Online shopping is what keeps me using this card. My Citi costom cash card is my favorite cash card on the market.
Does the groceries include the big US companies like Costco, Walmart, Target, Sam’s or not??
No
Walamart neighborhood market yes
If you were accepted for this card, May you please let me know the credit score you had at that moment. I want to figure out if I should apply for that credit card
I had a 704 when applying
@@odeliar thank you. Your answer is very helpful
682
730s
Applied for it today I got 760
Blue cash everyday seems brilliant for students, shame it isn't offered in the UK.
It is, it’s a platinum card but is called the everyday card
I talked with Amex two days about new credit cash back card offers. We decided on this one and I’m happy. We went back and fourth with questions. The pros and cons. My boyfriend has the platinum card so we use those reward points for traveling.
What’s the safe range credit score to apply for this card?
670 +
Hey John! You left out another huge benefit which is 0% for 15 months. That's the game changer for me! I always pay my balances off in full but this will give a lot of wiggle room when making large purchases.
I highly suggest going with the preferred card for the first year since the first annual fee is waived. Then downgrade the card after 0% intro apr has expired and paid the revolving balance.
@@locococopocoqoco8555 they’re not waiving the first year :(
@@BoywithLoveeee the offer is back
What kind of credit score should you have to apply for this blue amex?
I got accepted with a 693
What type of credit score do you need for the new refreshed amex card?
Wondering the same thing
Hi John,
What do mean by “pairing”? Does that mean using both cards to maximize the best benefits from both?
The Amex card says “online retail purchases” does that include eBay and Amazon?
yes
Yes. I got 3% at Amazon
I have platinum and am considering the blue card preferred because I don’t drive at all. The blue preferred has a benefit for transit. Subway, Amtrak even buses etc. This regular one looks good though. I need to decide.
Is it a good option as my first credit card?
Verizon card, although not available unless you’re a Verizon customer gives 4% on groceries and gas with no caps.
But the caveat with the Verizon card is one, you must be a Verizon customer, and two is you can only use points to get gift cards or towards your bill
@@ResplendentRaider the points can be used towards accessories or devices and upfront cost at check out with verizon as well.
@@ResplendentRaider thank you for pointing this out. One thing I don’t like about C1 rewards or “cash back” incentives
Thank you for covering this in great detail. None of the others are covering this card in great detail. This card will justify Amex collecting high transaction fees. The only thing that the Apple card is good for is 0 interest fees for X months. It is good if you want your product now and pay nothing in interest but you do need to start paying interest after the timeframe is over.
I have a blue sky rewards card...is this blue cash better? I use my rewards points for statement credit.
when should somone get there first annual credit card?
I get 4% on gas and groceries with the Verizon card. I just used my Verizon dollars to get a free round trip to Miami FL.
Just wish you could get cash back in the form of a deposit or check if you have a third party bank. That’s my only gripe with AMEX 😒
So online shopping, like Cartier or Tiffany 3% cash back?
What is considered online retail purchases? Is that anything you use to make an online payment?
So like if you order pickup it’s considered an online purchase since it’s
Technically, if you live in a western us state, you can get the BMO Cash Card, which also gets cash back on gas and groceries. Not as good as the BCE card but still an option out there
If you have a primarily chase setup + Amex BCP would you downgrade to this to get the gold?
Golden One CU has a no AF, 3% groceries and 4% gas. I think you have to be a California resident.
Thanks for this video! Fast and informative
If you have a cash magnet what is the best way of getting the welcome bonus? Can you have both? Thanks!
I appreciate your honesty; keep the reviews coming.
If i pay rent from a grocery store western union, does that count as a purchase from a grocery store?
I appreciate the AMEX blue cash. Thanks Amex
How the the grocery catagory work? Like if I buy food and clothes at walmart how does it know what is a grocery purshase? Or would everything from walmat count?
It doesn't work for a regular walmart, but does give 3% back at walmart neighborhood market regardless of what you buy there.
I don't think this card will be better than the Apple Card when purchasing Apple products, since Apple Card offers 0% interest for payment plans.
The $6000 is per year. So when it’s a new year it resets ?
Does the 3x on online shopping apply to anything bought on Amazon?
Can I start using before card arrives???
What about this vs chase freedom flex?
Got this card last summer and I'm a bit more skeptical now, but it did get me into the amex ecosystem
What credit score you think we need
Can you get the rewards for grocery at Sams Club?
What’s the spending limit on this card ?
I have 1 credit card rn and looking into getting another one. should i get one that does cash back or one that does points?
im in the same boat as you. whatd you end up doing ?
I'm pretty deep in the Chase ecosystem with the Chase trifecta but I want to break into amex so I'll probably give this card a shot after the revamp.
I as well.. soon leave chase all together
I love American Express, I think they have the best customer service (I have the gold and platinum card) but if you decide to cross over, keep in mind you’ll have to carry a Visa or Mastercard on hand as a back up in case the merchant doesn’t accept AMEX (highest merchant fee for them).
Can I save the cash back and put it in savings or do I have limitations on what I can spend with it
Is there not a 0 percent apr for 15 months?
Is it kinda dumb if I get the Amex gold and use it with the blue card??
Because I’m thinking you aren’t stacking points as much and the categories over lap??
Any help to explain if this is a good combo🙏🙏
Question. So Walmart+ now has travel associated with it. Would that still fall under "US Retailer" so that i can get the 3% back AND 5% Walmart+ cash back? This double dip would be epic for me.
Now compared to the Blue cash preferred the one with the annual fee is this one still preferred Or is the prefers better as it offers more for cash back
The Annual Fee is better cause you getting 6% cash back on grocery up to $5,000 in a year.
Question: So when they reimburse you $7 for the Disney bundle, is that reimbursement every month or just once? I'm thinking of getting this card, might as well use it for my Disney bundle.
Every month
Amex is not accepted everywhere even in the US.
99% of retailers that accept card take AMEX.
Out of nowhere, miles over other cards in the daily spend categories, the two cards to rule them all-lol: Redstone FCU Visa Signature - 5% on Restaurants AND Gas ALL THE TIME 3% on a bunch of categories AND still more 1.5% on everything else AND even more $150 bonus on $3k spend. AAA Daily Advantage Visa - 5% on Groceries ALL THE TIME, 3% on more categories, and $100 bonus on $1k spend.
I ❤ my amex blue cash
Is this one good for paying bills??
I like my Costco card for gas. I buy almost all my gas at Costco, and have an executive membership so I get 6% total Cash back on the first 6k annually I spend on gas. Plus I get 4% cash back on all my Costco purchases, including travel packages through Costco travel.
Is it 3% cash back forever, or only for one year, or subject to change? Is it locked in?
Will we get 3% cash back on Walmart
Love the card but so hard adding it to my Apple wallet which I use for most spending
Does it have to be just groceries at a supermarket or can you get the points with non groceries?
Otherwise I'll speperate my groceries and use my Citi Double Cash Back Card on the non groceries.
Currently have the amex cashback preferred. Would it be wise to upgrade (before paying the annual fee) to the amex gold then pick this card up to supplement?
You can’t upgrade to the gold
whats the mínimum credit score to get this card ? does it have to be above 600?
Id guess 700+
I got approved with a 693 yesterday (1/23/23) 🙌
Good luck
I wonder I’ll they’ll amp up the BCP
Can I change cash back for points?
I just got approved for the gold card, but I decided to go with this one since it doesn't cost anything & I'm new to Amex. I don't think I'll use home chef, but I'll look it up just to see what it is.
Do the X1 card, and find one that can kill it! Lol. It’s my daily driver at 3% all purchases
X1 points are useless compared to flat cash back
@@real0mar I've redeemed over $4,000 at Apple, Bose, and American Airlines in just the past year. 1:1
Thanks for the insights on this card! What camera and lens do you use? I like the bokeh!
So I know AMEX has a one time sign up bonus for your first entry level card regardless of which one it is, my question is. Since this card has a sign up bonus, if I were to get a gold or platinum down the road, would the sign up bonus for this card mean that I won’t be able to have one for any future Amex cards?
No it’s one signup now is per card
Ehh I like my Apple Card…but I only use it for Apple products, since you can cash back, plus interest free extended payment program. With a Family that’s a pretty big deal combo for me. 0% interest loan over 12-24 months on products plus 3% Cash back on those products.
Question- are you basically saying that in the example of buying a plane ticket- the value of points is greater than the value of the cash back to get the same plane ticket?
hi, i just wanted to ask you on thing. if we use this card to buy all the gadgets and everthing for the apartment. Suppose if i spent 4000$ from this card and it has zero APR for 15months so if we divide the 4000 by 15 and pay 270$ a month then am i safe?
I have the BCP also the Gold , Planning on getting this in about 5/6 months to increase my overall credit lines with AMEX , also run up that 3% online retail category for the card. 🤔 advice / tips anyone ?
I absolutely HATE the new design of this card. The only reason I got the "clear" version was because I loved how it looked.
Is this card no foreign transaction fee?
Just received an offer for 6% on grocery. I’m thinking about it
I have this card out the gate I got 10.000
Shopping for a card that can give me either points or cash back for gas, groceries and restaurants!
Does the buisness card count as one of the 4 cards or does it count as a charge card
By the way, the blue cash preferred annual fee isn't waived for the first year anymore, instead, you get $400 sign up bonus on 3,000 of spend in the first 6 months. (I got the card last week)
1 second ago
Really? I just got mine yesterday. It’s $250 bonus after $3k in purchases in 6 months. $95 annual fee in 2nd year, 1st waived.
I love your videos, saw you on tiktok and now here on youtube. Thanks for making these educational videos
Navy Federal’s More Rewards Amex card is 3% for Gas, Grocery, Dining and Transit
Is it good for students ??
John, should I hold off this card till after I get the AMX gold? I dont wanna miss out on the 75,000 sign up bonuse
Can you stack the Disney credit with the BCP+BCE ? If so will add this with the BCP+GOLD
So what’s the credit limit
sounds like a great all around card.