Blue Cash® from American Express

INTRO APR 0% APR for Up to 12 Months
APR As low as 12.49%
ANNUAL FEE $0
BENEFIT RATING
OVERALL RATING

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Terms and Conditions

Overview

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 an average 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 twelve months of membership that can be applied toward purchases. A 2.99% introductory rate is available on balance transfers for twelve months. 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.

Additional Benefits
Various Internet account related services.
Year-end financial statement.
Built-in ExpressPay feature to make purchases without having to swipe the card.
No liability for unauthorized Internet transactions.
Return protection.
Purchase protection.
Extended warranty for purchases.
Auto rental insurance.
Emergency card replacement.
Trip planning assistance.
Medical referral services.
Legal referral services.
Up to $100,000 in travel accident insurance.
Guaranteed hotel and motel reservations.
Various travel and emergency assistance services.
See website for additional benefits.

Rates & Fees

Card Category: Cash Rewards

Introductory Rate: 0% APR for Up to 12 Months

Applied Towards: Purchases

Introductory Rate Details: A 12 month 2.99% introductory rate is available on balance transfers submitted during the application process.

APR (Purchases): As low as 12.49%

APR (Cash Advances): n/a

Finance Configuration: Average Daily Balance (including new purchases)

Annual Fee: $0

Additional Cardholders: $0

Grace Period: 20 Days

Minimum Credit Limit: See Important Notations

Maximum Credit Limit: See Important Notations

Late Payment Fee: n/a

Over-The-Limit Fee: $35

Cash Advance Fee:

Balance Transfer Fee: 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.

Important Notations: 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 may range from 12.49% to 18.49%. See website for complete terms and conditions of card usage and application disclosure.

*To view the most current rates, please see the most recent: Terms and Conditions

Rewards

Points per Dollar:

Additional Points:

Applied Towards:

Point Details:

Expiration: None

Yearly Limit: None