American Express | Blue Cash from American Express

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Blue Cash® from American Express
Issued by American Express

Blue Cash� from American Express

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Review

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.

Updated: January 2, 2009

Most Attractive Feature(s) : Up to 5% cash back reward; no annual fee; 0% introductory rate.

Least Attractive Feature(s) : Cash back rewards are earned for purchases only.

Terms and Conditions

Note: The review on this card was updated on January 2, 2009. The review is believed to be accurate during the update, however, information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application.

Specifics

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Category Definitions

Card Category: Reward - Cash

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.

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 : n/a

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.

Reward Program Details

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.

Rebate Details : 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.

Expiration : None

Yearly Limit : None

Perks / Notations

Additional Perks

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.

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 11.99 to 17.99%.
See website for complete terms and conditions of card usage and application disclosure.

Cardholder Comments on Blue Cash® from American Express

Average cardholder rating on this card: 3.42

Number of reviews posted: 36

Most recent review posted on: 12/8/2007

See what cardholders have to say about: Blue Cash® from American Express

Additional Information

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APR (Purchases) : As low as 11.99%

The APR for purchases is based on the Prime Rate.

APR (Cash Advances) : n/a

The APR for cash advances is based on the Prime Rate.

Finance Configuration : Average Daily Balance (including new purchases)

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