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Special Offer: 0% for 6 months
and is applied to Purchases.
APR (Purch): 11.49% Variable*
Annual Fee: $0
Category: Reward - Cash
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Refer This Credit Card Review To A Friend
Credit Card Review - American Express Blue For
Cash
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.
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 U.S. supermarkets earn up to a
5% rebate. Rebates are limited to the first $50,000
in spending annually.
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.
The card also features smart card technology and
a free smart card reader.
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 towards
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.
Review Date: 8/16/2005
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.
Additional Perks
Various Internet account related services.
Year-end financial statement.
No liability for unauthorized Internet transactions.
Free smart card reader.
Uses smart chip technology.
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 services.
See website for additional benefits.
Important Notations
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
is either 4.99%, 6.99% or 9.99% + Prime Rate.
See website for complete terms and conditions of
card usage and application disclosure.
Note: The review on this card was updated on 8/16/2005.
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. Credit card review
information is provided by CardOffers.com, Inc.
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