Star Reviews wanted to simplify your life and snag you some good, old-fashioned no annual fee credit cards. So maybe we just wanted to look at Blue Cash from American Express. Find out what we discovered in this card besides great cash rebates below.
About Blue Cash from American Express
Blue Cash from American Express was named as the best cash rebate credit card by Kiplinger's Personal Finance. It's not hard to see why, considering the card offers unlimited cash back rebates on qualifying purchases, numerous cardholder perks and a somewhat-decent interest rate. Add that to the fact there's no annual fee and it's apparent that Blue Cash from American Express is a real winner.
Website Navigation:
We found the website for Blue Cash From American Express to be very easy to navigate. The page loaded quickly, the credit card application was well-integrated and it was very easy to locate information regarding the card's terms and conditions.
Star Reviews' Favorite Feature:
The fact that there is no limit set as to the cash-back rewards you can earn is a huge plus.
Features:
- Online account access.
-
Built-in ExpressPay
feature to make purchases without having to swipe the credit card.
- Year-end financial statement.
- 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.
Rewards:
On year-to-date purchases totaling $0 to $6,500, cardholders can earn 1-percent cash back on qualifying everyday purchases and 0.5-percent cash back on all other purchases. On year-to-date purchases totaling more than $6,500, cardholders can earn 5-percent cash back on qualifying everyday purchases and 1.5-percent cash back on all other purchases.
Introductory Offers:
Blue Cash from American Express is currently offering 0-percent interest for six months on purchases. A 4.99-percent introductory rate is available on balance transfers if the transfer is submitted at the time of the application.
Standard Terms:
- APR - As low as 9.99%
- 19.99% variable interest rate on cash advances.
-
No annual fee.
- No added cost for additional cardholders.
- 20-day grace period.
- No preset spending limit.
- $19 late payment fee on balances up to $400, $38 on balances above $400.
- $35 over-the-limit fee.
- 3% cash advance fee with a minimum of $5.
- Balance Transfer - 3% of each balance transfer associated with this offer ($5 minimum/$99 maximum per transfer)
Customer Support:
Customer support is available via phone and an online FAQ database. When we called American Express, we were on hold for just a few short minutes. The representative we spoke with was very friendly and knowledgeable and our questions were answered thoroughly.
Upside:
No preset spending limits, no balance transfer fees, no cash-back reward limits, numerous cardholder perks.
Downside:
Higher interest rate than some of the competitors.