American Express Blue Cash Everyday

American Express Blue Cash Everyday
3.5 0.0 0.0 0.0 0.0 104

#86

Horrible Card - Awful Service

Absolutely HORRIBLE service. I booked a trip using my American Express points. I went online to the airlines website today to check in to my flight. My reservation was not listed with the airline. After a quick phone call to the airline, I was told that there was a "processing error" and to contact American Express.

I called customer service, the agent was very polite and attempted to be helpful. However, the solution to a problem created by American Express is extremely unacceptable. Apparently, American Express used my points to book the airfare, however, they never paid the airlines for the ticket and consequently, the reservation was cancelled. No contact was made by American Express to inform me that the airfare had been cancelled. I have been on the phone for several hours attempting to get this resolved. The solution being offered is I have to pay the airlines rate today for the airfare (a difference of several hundred dollars), or use additional points and American Express will "review" my account to see if they may or may not reimburse for the difference in cost.

When asked to speak with someone who can help me today get this matter resolved, I've been told that their policy is that someone will contact me within the next 48 hours and that they will not be able to resolve anything today. MY TRIP IS RUINED!!!!!! It took years to accumulate the points and not only did they take them away, I don't have a plane ticket......This is a rip off! I am soooooo upset right now. I absolutely hate this company and will NEVER do business using American Express again.


#87

Careful! Using may damage your credit rating and credit history when using auto pay

Have had this card set up using auto pay each month to make the minimum payment for years. Worked hard to improve my credit to qualify for this card (and like most AMEX customers I care about my credit rating, and credit record).

Continued improving financial situation and was ready to improve monthly auto pay to pay off the complete balance each month.

Logged in and changed the auto pay settings to pay complete balance and replaced minimum payment (correctly during the same login in about a 3 minute transition) and completed this about 10 days before next payment date.

Discovered the new auto payment didn't auto pay and called to ask why. They explained that the AMEX system doesn't pay your upcoming payment, it begins auto pay for 2nd payment.

What?!!

How is this a service to the type of customer AMEX is looking for? Why is AMEX not doing everything they can to protect the customers who are trying to protect their credit by using auto pay?

AMEX told me there’s a notice when setting auto pay that, “ you’re next payment will not be automatically payed so you have to manually pay your upcoming payment even though you just authorized auto pay.

I’m focused on the type and amount of auto pay I’m setting up, not making a manual payment.

How does this serve the customer?! It’s hard to imagine how. It’s easy to understand how it serves AMEX because they have my $30ish late fee in their pocket which they wouldn’t return to my account because I didn’t make a manual payment while adjusting auto pay.

This is a conscious systemic decision that jepordizieses every customer’s credit.


#88

Not good for Foreign Transactions

I recently got this card and was excited given the $250 cash back offer if you spend a certain amount in the first few months. HOWEVER I didn’t realize (and this is my fault for not looking closely into it) that for any transactions in a foreign country you get charged a “Foreign Transaction Fee”. I was very surprised by this as most all of my other credit cards I have ever had never had this sort of fee. So just beware if you plan on using this card abroad


#89

worst credit card

they are saying 0% APR, but i paid always between 20% to 29%!!!


#90

its okay. no annual fee.

The card is okay. Got this after my lackluster experience with the Gold Card. The cash back HAS to be redeemed in 25.00 units - this was so annoying to me I quit using the card and I’ve had 23.40 in rewards for a year now because I don’t want to use the card just to get the 25.00. I only keep it because its a good backup card with no fees and a 20k limit. APR is ridiculous so though I never carry a balance that could be a factor if you plan on going with any AMEX card.


#91

10% restaurant reward - what a scam!!

All of my restaurant charges are mysteriously coded as “other” and the 10% promotion did not apply, although they show up as restaurant charges on my statement. I called the customer service, and they are not helpful (and they keep repeating the same script instead of trying to understand the situation). You would think Amex knows better. I stop using this card immediately.


#92

False credit reporting/customer service will not cancel account

I have several American express accounts however this one is the worst. They made an error and reported my payment 30 days late to all the bureaus in which it was not late but applied to my old account number with american express. This error was corrected however is created a notice to go out to all my creditors in which return my lines of credit was reduced due to this companies incompetence.
I called to cancel my account and for some reason everytime I am transferred to the cancelation department my call is disconnected.
I cut up the card and put it in the trash . This is a terrible company to deal with and the staff is completely incompetent and not useful… If I could give them a minus rating …truly below average…


#93

happy i’m happy about the card!

i got this card 4 months ago & am pretty pumped on all the savings i’ve already racked up. 10% back at restaurants lasted awhile- i hit my $200 max cap last month. i got back $100 for spending $1000 in the first 3 months… easy! and in the 4 months i’ve had the card redeemed $75 so far from the rewards. not too shabby :slight_smile:


#94

Worst card ever

I don’t recommended to anybody, i had this card for about 3 years and they never increase my credit line and i never make a late payment or exceded my balance, I close the account with them because at my opinion this card is a garbage


#95

Terrible reward program.

You have to call a number on the back of the card and spend a couple hours on the phone to get your rewards. They don’t tell you that. It’s a garbage card, accepted by no one.


#96

Great card, great company

have owned this card for one year now. The card itself is just another rewards card. But, what really had me impressed was the company. Can’t say one thing in particular stood out, it’s just all the small things wrapped up in a whole that really impressed me. They do try to offer that “exclusive” vibe, and wether it’s a ploy or not, I like it. This was my first card with them and they granted me a 10k limited. Now this may not be to the moon, but at 22yo it really felt like my hard work to micromanage my credit payed off. This boost in CL really gave me the ability to relax and not worry about my balance ratios. Will be getting another card from Amex down the line for sure.


#97

Great Card for Everyday Use !! GOT $200 BONUS !!!

Happy New Year to everyone! This is an update of my previous review back in Dec 07, 2017. Few things I want to add in this review for the new card applicants. With only 6 months credit history and 700 FICO score I applied for this card. And amazingly I was approved for a CL of $10,000. Now I use this card regularly. With the help of AMEX mobile app I got many offers. I also got 200 welcome bonus for using referral. AMEX gave me 15 months 0% APR. So, gradually I am falling in love with this amazing card. Spending on gas and traverlling is easier than before. In my opinion, AMEX is giving larger credit limits to the applicants nowadays.


#98

The costume service is very helpful

I had this card for 6 months and my limited was 1000 now 3000 because I pay all my bills on time, even though the card it’s not great on rewards it’s beneficial to have.


#99

First Amex

So according to this site and Credit Karma the approval odds for me were “good” (My FICO was at 671, while my transunion said 654). I honestly wasn’t sure because being that my score would be so easily fluctuated, and the fact that I have two other credit cards (both with very low balances). I might not even need it since my score was steadily increasing. However I was falling short on the available credit side (3750 in total). So I asked someone on the Amex site if there was a qualifying form I could do to maybe get an idea before I had that hard pull on my report. They did provide me with a link to try qualifying, which also said I was indeed qualified. I was approved for 5k. I was also told not to close either of my other two cards because that would drop my score. So I left an overall rating of okay because I was happy about the qualify feature (would could’ve been a hit or miss), but also because this site and credit karma are pretty good at giving you what they think your most likely to get approved for because that’s not the first time I’ve applied for something based on their approval odds. I guess within the next few months we’ll see how and if I really like Amex.


#100

DO NOT GET THIS CARD

I have been a card holder since 2013, I have always made my payments and utilized my American Express card more than my other credit card because I had always heard good things about their customer service. OH HOW WRONG I WAS!!! I made a payment on 1/26 for MORE THAN the minimum amount due per their mobile app. On February 2nd a late fee showed up on my account and then on February 6th I got a notification that my credit limit had been reduced by $6,000!!! I called American Express right away to discuss this issue. It took three phone calls and more than 2 hours on the phone to get the late fees waived and attempt to get my credit limit fixed. (I was told by two reps that my late fees had been waived but when transferred to the department that handles credit limits I was told no late fees had been waived.) After all of that I was told that they would advise the proper department of the POSSOBLE mobile app issue (I was not given a case # or confirmation that this issue was actually escalated) and that they could not fix my available credit. I was given two options: Pay $3,000+ or provide financial documents with proof of income/assets/stocks which would take at least two weeks to review! ALL BECAUSE THEIR APP TOLD ME I OWED $178, I PAID $200, BUT APPARENTLY THE ACTUAL AMOUNT OWED WAS $247?!? I am in the process of purchasing a home and have kept my credit card utilization at a certain % to maintain a very good credit score which is not COMPLETELY SCREWED UP as my utilization on my American Express is now basically 100%. While on the phone with them I paid the $47 difference and told them to go ahead and schedule a payment for the next day, which is not due until MARCH, to avoid further confusion. I then called back to have my cash rewards applied to my balance as I WILL NOT continue using American Express after this fiasco! I was told that there was STILL a hold on my account AND THE LATE FEES WERE STILL SHOWING which meant that I could not apply my rewards $$$ until the next day…IF THE HOLDS WERE REMOVED!!! It took another 30 minutes to get someone who actually gave a crap and get my rewards $$$ applied. CLEARLY this was possible from the beginning but again, American Express DOES NOT care about their customers and WILL NOT make any effort to help in a crisis…WHICH THEY CAUSED! I will be transferring ALL of my business to a different credit card company ASAP and will advise all of my friends, family, and colleagues to avoid American Express. This entire experience has been a nightmare and my credit is now being negatively affected due to their technological error!

Additionally, the cash back rewards are almost non-existant and you can only redeem them in $25 increments


#101

Great Card, Excellent Company!

We use this card for everything (other than our work expenses). I love the cash back and the convenience of tracking my spending. I appreciate the simple website and how easy it is to integrate the other amex card we have. It’s super easy to pay the bills and recently I’ve set up the auto pay. We have had a couple fraud alerts, years ago, and amex was on it before we even caught it. Never any issues, and amex is there by phone or chat if I need anything. Years ago we had a time in our lives where we weren’t able to make the payment, I kept in touch with amex and never had a problem. We do count on the purchase protection but haven’t had to use it. We have however used the CC protection where we disputed a charge when we had issues with an item. It took a little of my time on the phone but it did pay off. The trick is, use the card and only this card for your grocery shopping to get the best cash back. It’s nice not having to worry. I do feel like American Express has our backs.


#102

AMX will reduce your credit limit.

On April 18 reduced my credit line $2,400 even though my card is not maxed out, always paid on time, I always make more than the minimum payment, and I have never missed a payment. I contacted them and asked them why they reduced my credit line and and the representative proceeded to read a letter supposedly sent to me saying that to restore my credit line to what it was I would have to pay 50% of the balance in the next two billing cycles (i.e. by June 17 2018) in order to restore your credit line to what it was and restoring the credit line will take up to 30 days. Or you can send them financial documents such as bank and savings account statements, 401k or IRA documents, documents about stock or investments ect., for them to review and make a decision in 45 days. My experience with AMX is that the review usually ends up with them upholding the original decision.


#103

Bad Cash Back Policy

  1. You have to wait one complete statement month to reflect the cash back compared to next statement in Discover, BOA-Cash Rewards & Chase Freedom.
  2. You have to redeem in multiplication $25. You have to wait for your cashback to reach $25.
  3. AMEX is not accepted everywhere as this article claims.
  4. 3% Supermarket Cashback does not include Target and Walmart.

#104

Not honest company

Used the card for a rental car that got totaled. They say that we are covered for the deductible if we use the card. Now they are saying Compass bank that got the card is responsible. This was in 2016. Neither will pay and they both say the other is responsible. Don’t believe their promises. This should have been open and shut. It clearly says that the card will pay this.


#105

A great everyday card

I got this because the annual fee of the preferred card would have offset my rewards (I shop online for groceries, which unfortunately, most cards categorize as ‘other’). However, in all other purchases, this card is great.

Amex isn’t stingy with limits if you qualify for the card, so the 0% introductory APR is definitely an attractive feature if you plan on making a few major purchases. That’s what I did, and paid off the balance in a year, and netted a few hundred bucks worth of rewards in the process.

Customer service is excellent. The approval process was easy (they requested proof of income, I provided it, and I got an approval letter 24 hours later). The app is easy to use, and makes it simple to spread out payments for larger purchases using their installment feature.

I pay off the card monthly now, I just funnel stuff through it to get rewards (they have lots of promos, I take advantage of some which earn extra rewards), and it’s great knowing I’ve got access to quite a bit of purchasing power if I need it.

Unlike other banks, AMEX provides a purchasing calculator to see if they’ll allow you to go over limit if you need to make a major purchase. They’ll also let you go over limit without penalty if you happen to get a little too close occasionally.

Point being, if you use the card responsibly and pay on time and historically don’t carry a significant balance, they’ll generally just approve whatever you want to do. I love them for that :slight_smile: