Blue Cash from American Express
issued by American Express |
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read on for a full review of all the features.
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 In-Depth Credit Card Review |
This online card application is intended for residents of the United States only. For other country options, please refer to the right hand menu bar.
Blue Cash® from American Express® is designed for those with good or excellent credit who plan to take advantage of the cash back reward program offered by this card, which Kiplinger's Personal Finance* named as the "best cash-rebate card."
Cardholders get unlimited cash back savings on eligible purchases with the card. Through the rebate program, cardholders earn a cash award that varies according to the amount spent per year. General purchases earn up to a 1.5% rebate. "Everyday Purchases" made at drugstores, gas stations, and supermarkets earn up to a 5% rebate.
Aside from the cash rebates, this card provides common benefits and services commonly found with American Express® credit cards, such as the buyer's assurance plan, purchase protection plan, and up to $100,000 in travel accident insurance.
This card has no annual fee and a reasonably low interest rate for purchases and balance transfers (for those who qualify), which makes it ideal for those who plan to occasionally carry a balance. The card has a 0% introductory rate for the first six months of membership that can be applied toward purchases. A 4.99% introductory rate is available on balance transfers for the life of the loan. It is important to note that the balance transfer introductory rate only applies to those who initiate a transfer when applying for the card.
Therefore, those who plan to take advantage of the cash back reward program for "Everyday Purchases" (to earn the highest rebate) and the various standard services provided will benefit most from what Blue Cash® from American Express® has to offer.
*Notations to the Best Cash-Rebate Card appeared in the November 2006 edition of Kiplinger's Personal Finance. Based upon Kiplinger's Personal Finance assumptions of how their readers would use rebate cards. © 2006 The Kiplinger Washington Editors, Inc.
Most Attractive Feature: Up to 5% cash back reward; no annual fee; 0% introductory rate.
Least Attractive Feature: Cash back rewards are earned for purchases only.
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Note: The review of this American Express card was updated on 04/24/2008 and is believed to be accurate during the update,
however, information posted may have since changed. We strongly suggest that you carefully read the Terms and
Conditions statement that accompanies the credit card application
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| Key Card Information |
| Introductory Rates and Terms |
| Intro Rate: | 0% APR for 6 Months |
| Applied Towards: | Purchases |
| Details: | A 4.99% introductory rate is available on balance transfers for the life of the loan if a transfer is submitted during the application process. | | Miscellaneous Rates and Terms |
| Credit Limits: | See Important Notations (Maximum) / See Important Notations (Minimum) |
| Purchases APR: | 10.24% | | Cash Advance APR: | 20.24% | | Finance Config: | Average Daily Balance (including new purchases) | | Grace Period: | 20 Days | | Fees Associated with this Card |
| Annual Fee: | $0 |
| Add. Cardholders: | $0 |
| Late Payment Fee: | $19 on balances up to $400 and $38 on balances of $400 and over |
| Over-the-Limit Fee: | $35 | | Cash Advance Fee: | 3%, $5 minimum for Express Cash transactions |
| Balance Transfers: | 3% of each balance transfer associated with this offer ($5 minimum/$99 maximum per transfer). However, future balance transfers may incur a fee as disclosed at the time of the applicable offer or transaction. |
| The Rewards Program Highlights |
| Optional Reward: | No |
| Rebate Minimum: | .5% |
| Rebate Maximum: | 5% |
| Additional Rebates: | General purchases earn up to a 1.5% rebate; "Everyday Purchases" made at drugstores, gas stations, and supermarkets earn up to a 5% rebate. |
| | General purchases earn a .5% rebate up to $6,500, and 1.5% over $6,500; "Everyday Purchases" earn a 1% rebate up to $6,500, and 5% over $6,500. |
| Additional Highlights of Interest |
Special Card Benefits and Features
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Various Internet account related services.
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Year-end financial statement.
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Built-in ExpressPay feature to make purchases without having to swipe the card.
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No liability for unauthorized Internet transactions.
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Return protection.
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Purchase protection.
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Extended warranty for purchases.
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Auto rental insurance.
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Emergency card replacement.
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Trip planning assistance.
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Medical referral services.
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Legal referral services.
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Up to $100,000 in travel accident insurance.
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Guaranteed hotel and motel reservations.
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Various travel and emergency assistance services.
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See website for additional benefits.
Important Notes Regarding This Offer
No pre-set spending limit - purchases are approved based on credit record, account history, and personal resources.
Card is currently unavailable to residents of Puerto Rico.
The APR for purchases and balance transfers varies according to the applicant's credit history and will be 4.99%, 6.99% or 9.99% + Prime Rate.
See website for complete terms and conditions of card usage and application disclosure. |
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