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As long as you spend at least $500 on groceries per month (excl: Walmart), then BCP gives you better bang for the buck: $360 Cashback - $95 AF = $265 total. BCE only gives $ 180 cash back without AF for the same.
Hello Adam, I think you forgot one thing during your video, if you already have the hulu, disney plus subscription $13.99 a month or over with the blue cash preferred you will be getting a $7 statement credit every month which comes to $84 a year on a $95 a year annual fee card. Plus you still get 6% on that subscription which more than covers the annual fee and that is not even including grocery spend. To me with that new benefit the blue cash preferred beats the blue everyday everytime. Thank Adam love your videos.
I spend more than $6k per year on groceries (at grocery stores) so the $6k limit is the biggest drawback to the Blue Cash Preferred. I really wish they would bump that up so I don't have to think about it
Great breakdown and overview of the two cards. I am a bit more of a fan of the Blue Cash Everyday due to that 3% online they have recently added. I have been debating on applying for a new card to do this but now I dont have to since it was recently added. Thanks for the vid!
Lol. I have The BCE, BCP, Magnet and BBC. All the cash back Amex’s =) I hope they give the BCP a refresh in perks and rewards. But leave the look along. I love the design. Lol
I got the Blue cash Preferred card because I spend between $3400 and $3600 per year for groceries. Plus I also wanted the $350 bonus and no interest for a year. Between the grocery back, the bonus, the gas cash back and the no interest for a year, I figured hey why not ?
I don't think AMEX will ever offer 6% back for online purchases using the BCP but hopefully they'll wise up and offer at least 3.5-5% down the road. Fingers crossed.
Great comparison of two very good cards from AmEx. The BCP was great for a couple of years for me, but thanks to you I figured out a way to get 5% on gas, 5% on groceries, 5% online (granted it's only on Amazon, but I don't do much else online), and 2% everywhere else, without an annual fee and come out ahead, so I cancelled my BCP and moved on. Love your channel, and thanks for all you do.
I had a hard time choosing between BCP and Amex Gold. I love both cash back and MR points. My spending habits were the deciding factor and i chose BCP. My BCP is for groceries, gas and streaming at over 10k/yr combined. This is one best everyday carry cards for theses categories. I'm adding BCE for online purchases. In addition, it allows more spend (if I'm over cap) in same categories and costs me nothing. For those who spend 10k/yr on groceries and travel frequently the Amex gold is ideal.
Same dilemma for me. I went with the gold. Didn't feel like tracking the $6,000 cap, but I know I won't hit the $25,000 cap on the gold. I'll be adding the BCE strictly for online shopping to.
I got the BCE just before they revamped it to be my default grocery card when groceries are not a 5% category elsewhere. Now that they have the online shopping category, it is going to be my default online card outside of Amazon. I am a big fan of American Express's customer service.
I like the blue cash everyday because I can get 3% back on internet purchases the blue cash preferred turns internet shopping in to 1% my wife is crazy with Amazon shopping I get the Disney bundle too plus no annual fee. I use my Citi custom cash card on groceries and get 5% I don’t usually spend over 500 a month in groceries so that’s my play.
Yeah, I got the blue cash every day last year. And about 20 minutes ago got an offer to upgrade to the blue cash preferred with $150 statement credit after you spend the required amount in six months and they waived the $95 annual fee for the first year so I’m gonna enjoy the 6% for a whole year and then at the end of next year if I don’t want to pay the 95 annual fee if it doesn’t fit into my lifestyle I’ll just downgrade back to the blue cash every day so I couldn’t get the 350 offer i think it’s 200 right now the offer is if you just apply for it out right but my target offer I couldn’t pass up because I’m not a type of person to just apply for cards and add more accounts to my credit file so it is good to just have patience’s and upgrade offers will come your way to
I think these cards can definitely compliment each other very well. Most people out there likely spend over $60 a week on groceries, especially with these prices right now, so spending $3200 wouldn’t be too difficult. But then you can compliment the preferred with the everyday when it comes to the online retail purchases which is a pretty solid 2 card setup. Great video Adam!
If the online retail purchases are the only reason you want the card you'd be better off getting store specific cards like the Amazon Store Card. Then there's the PayPal Cashback card which gives 2% back on everything, plus an extra 1% when you buy stuff through PayPal (essentially 3% back on online purchases). If you don't like PayPal though, the Everyday would still be a good option
@@manleteater1970 I agree with you! This card isn’t necessarily for me, and if I was going to get a card for retail purchases it would be the Amazon prime card. I think this one is great for those trying to fill in gaps that their other cards don’t cover though!
BCE makes more sense imo due to the no annual fee. Hopefully the BCP can get a few upgrades in the current rewards categories to make it truly worthwhile.
It actually depends on how much you spend on the online retailers and groceries. The preferred would still net you much more cash back provided you spend enough on groceries.
I keep getting offers to 'upgrade' to the BCP from the BCE. I don't really see it as an upgrade. Sure, the extra % on groceries is fun, but the other categories are obscure things that I don't think many people use in numbers. I may get the BCP down the road, but it would be on it's own merits, not to replace my BCE.
Bank of America's Customized Cash Rewards also has 3% on online shopping as one of it's categories, so it's not that unique (but it has only 2% on groceries so the BCE is probably better for most folks).
BOA won’t give me a card even tho I’ve been with them for 17 years with no issue. Happily leaving them soon. Amex gave me the BCE without batting an eye and I’ve been with them less than a year.
@@Katrina-Winter strange, did you ask why? They gave us our first ever US credit card, being new in the country without an existing credit history, and we have been happy ever since.
I personally think they should add some more to the Blue Cash Preferred. Moreso as a cherry on top since the Everyday is now a pretty decent alternative which doesn't have an annual fee. Maybe increase the gas category to 6% too
Interesting story. Ive had the BCP for a few years now. I have great credit, never a late payment and utilization never going over 4%. I saw the BCE and wanted to get it. I was approved but.... they took half of my spending limit on the BCP and made that the spending limit of the BCE. I hope I don't get a ding on my credit for having my spending limit on my BCP being reduced.
YESSSS! This is THE video I’ve been looking for someone to do in a thorough manner. THANKS ADAM! I have the BCP but want the BCE for the 3% online U.S. retail purchases. 😁
I use BCP for my Apple services get 6% on everything purchases as my default credit card for apple services; it codes 6%. The reason I closed my Apple Card
The Blue Cash Preferred gives 6% back at Meijer, so I'm surprised Walmart does not. I get 6% back on all of my purchases at Meijer, food, medicine, home items, electronics, etc., including the Keurig I recently purchased.
I just upgraded my Cash Magnet to the Blue Cash Everyday. I can use the BCE or the regular MR no annual fee EveryDay and between both will have a $12,000 cap on groceries both at no annual fee. If I need more, then I would switch my Green card to Gold at a $25,000 grocery cap and it would be $37,000 which is more than plenty between Gold, the BCE and the no fee EveryDay even though one is statement cash back and the other 2 are MR points earning cards. The $6000 year on gas is good on the BCE. The only reasons I would get Preferred is for the transit and streaming. Transit I get on the Green card at 3x points per dollar. I don't need the streaming perk right now. Honestly I wish they would get rid of that streaming perk and switch it to something else like restaurants or something else on the BCP.
Great comparison of the everyday and preferred cards and appreciate the analysis showing the spending amount that would make both cards even in cash back rewards.
I went incognito when I applied for the BCP and was offered a $400 sign up bonus! Also got approved for the temp card # and temp limit that I could use immediately...pretty exciting! Card finally came last week so I've been editing payment methods for my subscriptions...any idea whether an annual prime membership counts? I saw prime video in the list but not sure if that's considered the same thing since prime video comes with a prime membership.
The Preferred should have just earned 6% on the same 3 categories as on the Everyday. Would also be nice if the $6,000 yearly limit was flipped over to $9,000 on both cards, or at least just the Preferred.
There's also a no fee Citi card that gets 5% groceries up to $500 a month, so if planned appropriately, you could nearly max out both grocery credits with minimal wasted opportunity
@@ItssToxiccc It is same for most of their cards. There may be a few exception at Amex’s discretion, but that’s all. Best is to call them for this and the agent will tell you for sure if the pull will be hard.
I got the BCP because of the $400 sign up bonus for $3000 spend in 6 months. I like it for groceries. CZcams and Spotify are just barely above "whatever".
@sungjeh No thanks, I have both cards. I don't want to lose 6% back on streaming services. No other card comes close to that. The Amazon Prime Visa at 5% back takes care most online purchases for me. Plus there are other cards you can get.
CZcams TV plus NFL Sunday Ticket at 6% back is a huge plus for me. Add in 6% back on all the other streaming services in addition to the 6% back on groceries and 3% back on mean I am not giving up my BCP.
Citi Custom Cash can give 5% cash back on groceries with no annual fee, so I am downgrading my BCP to BCE. It's hard to justify the cost now. All the grocery cards are seriously nerfed by not allowing Walmart.
Do they offer downgrade and upgrade offers to ppl that have both the BCP and BCE? My BCE was originally a Cash Magnet that I PC’d because I got the WF Active Cash.
I appreciate what you do. I have the Everyday Blue and don't see enough value to commit to an ongoing commitment to an annual fee. It is complicated to navigate. I also have the Chase Freedom Unlimited, Prime Visa, Paypal MC, Sam's MC, Citi Double Cash, Crypto Green, and others. It's hard to chose which to use. You did mention that the Blue Preferred offered a discount on CZcamsTV, does Everyday Blue, if you know? You also did mention WalMart which I do shop at vs the traditional high priced supermarkets. Walmart's MC offers 3% WM Online, 2% Murphy Gas, 1% WM Market. Wondering if Chase Freedom's 1.5% beats WM MC's 1%. I know this is getting down to pennies but, that is an element of what you do.
Is groceries and online shopping for blue cash everyday, is it separate up to $6000 capped or $6000 together for the year. I do more online shopping purchases instead of in store.
In my American Express app, I am being offered an upgrade from my cash magnet to the blue cash preferred but it is only offering me $150 statement credit. I’ll look around for the $400 bonus but I do want this card Job well done Adam!💗
For the Blue Cash Everyday, do you get 1% cash back on everything else unrelated to the categories? Or do you only get cash back in those specific categories?
Dont get it. Just a waste of time. I had that card and others by Synchrony, all in good standing and what did they do, they closed all of my accts with them. Dont do any business with Synchrony.
Hey hi Adam, i might be wrong, but in the section where you compare the value for the supermarket cash back, 6% of 3,200 is not 97… let me know if I’m missing something, I am might be wrong.
6% of 3200 is $192, but if you subtract $95 annual fee, that is the $97. Was showing what you get if you factor in the annual fee, though that is oversimplified because the card offers other rewards as well.
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As long as you spend at least $500 on groceries per month (excl: Walmart), then BCP gives you better bang for the buck: $360 Cashback - $95 AF = $265 total. BCE only gives $ 180 cash back without AF for the same.
I think it should be noted that although you can't use it at a "Traditional" Walmart. You CAN get the 6% back at a Walmart Neighborhood Market
Are you for real??
Those are located in some states not all
Yes. I literally just tried this earlier in the month and got 6% back at my Neighborhood Wal-Mart!
That’s what I’m trying to find out if Walmart is one of the groceries stores included.
That’s why I got the bcp bc neighborhood Walmart is what’s closest to me and is where I do my groceries.
Hello Adam, I think you forgot one thing during your video, if you already have the hulu, disney plus subscription $13.99 a month or over with the blue cash preferred you will be getting a $7 statement credit every month which comes to $84 a year on a $95 a year annual fee card. Plus you still get 6% on that subscription which more than covers the annual fee and that is not even including grocery spend. To me with that new benefit the blue cash preferred beats the blue everyday everytime. Thank Adam love your videos.
I spend more than $6k per year on groceries (at grocery stores) so the $6k limit is the biggest drawback to the Blue Cash Preferred. I really wish they would bump that up so I don't have to think about it
I wish the blue cash preferred had 6% on Gas , 6% on groceries and 6% on Us online purchases
Great breakdown and overview of the two cards. I am a bit more of a fan of the Blue Cash Everyday due to that 3% online they have recently added. I have been debating on applying for a new card to do this but now I dont have to since it was recently added. Thanks for the vid!
Lol. I have The BCE, BCP, Magnet and BBC. All the cash back Amex’s =) I hope they give the BCP a refresh in perks and rewards. But leave the look along. I love the design. Lol
I'm hoping for that BCP refresh, too!
I got the Blue cash Preferred card because I spend between $3400 and $3600 per year for groceries. Plus I also wanted the $350 bonus and no interest for a year. Between the grocery back, the bonus, the gas cash back and the no interest for a year, I figured hey why not ?
Sounds like you are losing out in future years in the long run
Good luck if you keep a balance! Throw rewards out the door in that case!
Not gonna lie, I think you should’ve chose the free card instead of the preferred cars
I think you’re reading my mind. Had BCP for 4 years always tried to justify downgrade only to come back to it.
It would be nice if BCP was a metal card
I don't think AMEX will ever offer 6% back for online purchases using the BCP but hopefully they'll wise up and offer at least 3.5-5% down the road. Fingers crossed.
Great comparison of two very good cards from AmEx. The BCP was great for a couple of years for me, but thanks to you I figured out a way to get 5% on gas, 5% on groceries, 5% online (granted it's only on Amazon, but I don't do much else online), and 2% everywhere else, without an annual fee and come out ahead, so I cancelled my BCP and moved on. Love your channel, and thanks for all you do.
Can you please share the setup you have? I'd love to get 5% on all of those!
@@ActivateTrueHealthPrime Visa(Amazon)/Citi Custom Cash(gas)/AAA Daily Advantage Visa (groceries)
I had a hard time choosing between BCP and Amex Gold. I love both cash back and MR points. My spending habits were the deciding factor and i chose BCP. My BCP is for groceries, gas and streaming at over 10k/yr combined. This is one best everyday carry cards for theses categories. I'm adding BCE for online purchases. In addition, it allows more spend (if I'm over cap) in same categories and costs me nothing. For those who spend 10k/yr on groceries and travel frequently the Amex gold is ideal.
Same dilemma for me. I went with the gold. Didn't feel like tracking the $6,000 cap, but I know I won't hit the $25,000 cap on the gold. I'll be adding the BCE strictly for online shopping to.
I got the BCE just before they revamped it to be my default grocery card when groceries are not a 5% category elsewhere. Now that they have the online shopping category, it is going to be my default online card outside of Amazon. I am a big fan of American Express's customer service.
I like the blue cash everyday because I can get 3% back on internet purchases the blue cash preferred turns internet shopping in to 1% my wife is crazy with Amazon shopping I get the Disney bundle too plus no annual fee. I use my Citi custom cash card on groceries and get 5% I don’t usually spend over 500 a month in groceries so that’s my play.
Yeah, I got the blue cash every day last year. And about 20 minutes ago got an offer to upgrade to the blue cash preferred with $150 statement credit after you spend the required amount in six months and they waived the $95 annual fee for the first year so I’m gonna enjoy the 6% for a whole year and then at the end of next year if I don’t want to pay the 95 annual fee if it doesn’t fit into my lifestyle I’ll just downgrade back to the blue cash every day so I couldn’t get the 350 offer i think it’s 200 right now the offer is if you just apply for it out right but my target offer I couldn’t pass up because I’m not a type of person to just apply for cards and add more accounts to my credit file so it is good to just have patience’s and upgrade offers will come your way to
I have the same offer and I'm really tempted
I think these cards can definitely compliment each other very well. Most people out there likely spend over $60 a week on groceries, especially with these prices right now, so spending $3200 wouldn’t be too difficult. But then you can compliment the preferred with the everyday when it comes to the online retail purchases which is a pretty solid 2 card setup. Great video Adam!
If the online retail purchases are the only reason you want the card you'd be better off getting store specific cards like the Amazon Store Card. Then there's the PayPal Cashback card which gives 2% back on everything, plus an extra 1% when you buy stuff through PayPal (essentially 3% back on online purchases). If you don't like PayPal though, the Everyday would still be a good option
@@manleteater1970 I agree with you! This card isn’t necessarily for me, and if I was going to get a card for retail purchases it would be the Amazon prime card. I think this one is great for those trying to fill in gaps that their other cards don’t cover though!
The 3% on gas and online shopping is making me consider keeping it in my wallet
Gonna test my BCE with Walmart Pay in store to see if I get 3%. I got 3% with Walmart Grocery pickup
BCE makes more sense imo due to the no annual fee. Hopefully the BCP can get a few upgrades in the current rewards categories to make it truly worthwhile.
That grocery cap needs to be slightly higher because as it stands it loses to the custom cash
The online retailer plus supermarket beats the preferred.
It actually depends on how much you spend on the online retailers and groceries. The preferred would still net you much more cash back provided you spend enough on groceries.
6% back on groceries and streaming wins for me.
No fee too
I keep getting offers to 'upgrade' to the BCP from the BCE. I don't really see it as an upgrade. Sure, the extra % on groceries is fun, but the other categories are obscure things that I don't think many people use in numbers. I may get the BCP down the road, but it would be on it's own merits, not to replace my BCE.
Everything is streaming now. So for me 6% back on streaming is huge. The Everyday does not offer that.
Bank of America's Customized Cash Rewards also has 3% on online shopping as one of it's categories, so it's not that unique (but it has only 2% on groceries so the BCE is probably better for most folks).
BOA won’t give me a card even tho I’ve been with them for 17 years with no issue. Happily leaving them soon. Amex gave me the BCE without batting an eye and I’ve been with them less than a year.
@@mike-uw6wt good to know. I have two BoAs (3% online + home improvement) and the BCP so I'm covered pretty well on the cashback side.
@@Katrina-Winter strange, did you ask why? They gave us our first ever US credit card, being new in the country without an existing credit history, and we have been happy ever since.
I personally think they should add some more to the Blue Cash Preferred. Moreso as a cherry on top since the Everyday is now a pretty decent alternative which doesn't have an annual fee. Maybe increase the gas category to 6% too
Interesting story. Ive had the BCP for a few years now. I have great credit, never a late payment and utilization never going over 4%. I saw the BCE and wanted to get it. I was approved but.... they took half of my spending limit on the BCP and made that the spending limit of the BCE. I hope I don't get a ding on my credit for having my spending limit on my BCP being reduced.
YESSSS! This is THE video I’ve been looking for someone to do in a thorough manner. THANKS ADAM!
I have the BCP but want the BCE for the 3% online U.S. retail purchases. 😁
I use BCP for my Apple services get 6% on everything purchases as my default credit card for apple services; it codes 6%. The reason I closed my Apple Card
@@cookiee7777 totally agree. Not able to flex the beautiful titanium white card and get 2% with the physical card is a deal breaker
@@cookiee7777 then you got 3% at random stores, like seriously?
Look at u, Big Bro. Drop knowledge bombs =)
The Blue Cash Preferred gives 6% back at Meijer, so I'm surprised Walmart does not. I get 6% back on all of my purchases at Meijer, food, medicine, home items, electronics, etc., including the Keurig I recently purchased.
Meijer chose the credit card merchant category of grocery store, Walmart is a big box store which happens to sell food.
I think the BCE pairs perfectly with the CFU. 3% on Dining, Groceries, Gas, Drugstores, Online stores...
Also the Resy link with 10% back on Dining
I just upgraded my Cash Magnet to the Blue Cash Everyday. I can use the BCE or the regular MR no annual fee EveryDay and between both will have a $12,000 cap on groceries both at no annual fee. If I need more, then I would switch my Green card to Gold at a $25,000 grocery cap and it would be $37,000 which is more than plenty between Gold, the BCE and the no fee EveryDay even though one is statement cash back and the other 2 are MR points earning cards. The $6000 year on gas is good on the BCE. The only reasons I would get Preferred is for the transit and streaming. Transit I get on the Green card at 3x points per dollar. I don't need the streaming perk right now. Honestly I wish they would get rid of that streaming perk and switch it to something else like restaurants or something else on the BCP.
Why wouldnt AMEX just make an ultimate card per tier? A preferred card with all the bells and online purchases sounds perfect.
Blue preferred works at Walmart neighborhood markets. Unfortunately the nearest one of those is 40 miles away and with gas prices is a no joy.
Great content as always, thanks Adam!!!
Great comparison of the everyday and preferred cards and appreciate the analysis showing the spending amount that would make both cards even in cash back rewards.
I went incognito when I applied for the BCP and was offered a $400 sign up bonus! Also got approved for the temp card # and temp limit that I could use immediately...pretty exciting! Card finally came last week so I've been editing payment methods for my subscriptions...any idea whether an annual prime membership counts? I saw prime video in the list but not sure if that's considered the same thing since prime video comes with a prime membership.
FANTASTIC EXPLANATION ...AWESOME CHANNEL MY FRIEND !!!!
Thanks!
The Preferred should have just earned 6% on the same 3 categories as on the Everyday. Would also be nice if the $6,000 yearly limit was flipped over to $9,000 on both cards, or at least just the Preferred.
Just don't take away my 6% back on streaming.
Big family that pays over $6k per year in groceries would be a good candidate for getting both.
you are right
@@LummoxAHiredHoodlumwelcome to ban world
There's also a no fee Citi card that gets 5% groceries up to $500 a month, so if planned appropriately, you could nearly max out both grocery credits with minimal wasted opportunity
Hi. Is it true that Amex blue cash preferred card only does a soft pull when you request a credit limit increase?
If you are an existing Amex member, then yes, it is a soft pull.
@@aadeorukhkar is that the same for the BCE card too ?
@@ItssToxiccc It is same for most of their cards. There may be a few exception at Amex’s discretion, but that’s all. Best is to call them for this and the agent will tell you for sure if the pull will be hard.
This was helpful, Thank you.
I Thank You.
I got the BCP because of the $400 sign up bonus for $3000 spend in 6 months. I like it for groceries. CZcams and Spotify are just barely above "whatever".
I really wish amex did 6x online purchases for the BCP instead of streaming services
@sungjeh
No thanks, I have both cards. I don't want to lose 6% back on streaming services. No other card comes close to that. The Amazon Prime Visa at 5% back takes care most online purchases for me. Plus there are other cards you can get.
CZcams TV plus NFL Sunday Ticket at 6% back is a huge plus for me. Add in 6% back on all the other streaming services in addition to the 6% back on groceries and 3% back on mean I am not giving up my BCP.
You did not mention that the Blue Cask cards only have a 25 day grace period. May on a paycheck need those extra five days on the 30 day cards.
If things are that tight, you shouldn't be dealing with AMEX.
Citi Custom Cash can give 5% cash back on groceries with no annual fee, so I am downgrading my BCP to BCE. It's hard to justify the cost now.
All the grocery cards are seriously nerfed by not allowing Walmart.
Why anyone would shop at Walmart I have no idea
@@luxurybuzz3681 Have you tried *Walmart Neighborhood Market* ?
@@youngalwyn1124 What's that?
By not allowing Costco
I have both
Do they offer downgrade and upgrade offers to ppl that have both the BCP and BCE? My BCE was originally a Cash Magnet that I PC’d because I got the WF Active Cash.
I appreciate what you do. I have the Everyday Blue and don't see enough value to commit to an ongoing commitment to an annual fee. It is complicated to navigate. I also have the Chase Freedom Unlimited, Prime Visa, Paypal MC, Sam's MC, Citi Double Cash, Crypto Green, and others. It's hard to chose which to use. You did mention that the Blue Preferred offered a discount on CZcamsTV, does Everyday Blue, if you know? You also did mention WalMart which I do shop at vs the traditional high priced supermarkets. Walmart's MC offers 3% WM Online, 2% Murphy Gas, 1% WM Market. Wondering if Chase Freedom's 1.5% beats WM MC's 1%. I know this is getting down to pennies but, that is an element of what you do.
Nice question... I'll find out because if it does, I'll upgrade
@@id-10-terror7 I did learn that AAA Visa's 5% cash back on grocery stores does include Walmart. It may revert to 1% on items not coded as groceries.
Is groceries and online shopping for blue cash everyday, is it separate up to $6000 capped or $6000 together for the year. I do more online shopping purchases instead of in store.
In my American Express app, I am being offered an upgrade from my cash magnet to the blue cash preferred but it is only offering me $150 statement credit. I’ll look around for the $400 bonus but I do want this card
Job well done Adam!💗
For the Blue Cash Everyday, do you get 1% cash back on everything else unrelated to the categories? Or do you only get cash back in those specific categories?
1% on everything else.
WF AUTOGRAPH VS AMEX Every Day ?
AUTOGRAPH!
@@aadeorukhkar CORRECT !
As someone with the BCE, BCP and Savor One. The Autograph doesn't really offer any benefit.
Synchrony Bank just introduced a 2% credit card.
Dont get it. Just a waste of time. I had that card and others by Synchrony, all in good standing and what did they do, they closed all of my accts with them. Dont do any business with Synchrony.
@@ImStillStealingSteel Already using WF active cash
@@mayankk2800 - Good :) Same.
3% transit includes gas?
could you do the video on the 2.2 flat cash back card? It's not Amex btw
if I downgrade BCP to BCE, so I will lose the sign-up bonus of BCE?
I wanna know the opposite
Probably
Hey hi Adam, i might be wrong, but in the section where you compare the value for the supermarket cash back, 6% of 3,200 is not 97… let me know if I’m missing something, I am might be wrong.
6% of 3200 is $192, but if you subtract $95 annual fee, that is the $97. Was showing what you get if you factor in the annual fee, though that is oversimplified because the card offers other rewards as well.
@@ProudMoney Hu! That’s what I missed! Of course, it makes sense. Thank you Adam! 👌🏽🤙🏽🤙🏽
What do you think about having to spend the rewards back on the paying the statement?
I think it's all the same cause ur going to have to pay the bill anyway, right?
That should be a non issue cause you have to pay your bill and make no sense pocketing it