Blue Cash® from American Express
- Earn a $25 statement credit with $500 in eligible spending
- No annual fee, 0% intro APR on purchases for up to 12 months, flexibility to pay over time
- Earn up to 5% cash back on eligible purchases at supermarkets, gas stations, drugstores, and more
- No limit on the cash back you can earn
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards |
|---|---|---|---|---|---|---|
| Good Credit | Personal | $0* | N/A* | N/A* | 17.24%* - 21.24%* | Cash Back |
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Blue Cash® from American Express Quick Summary:
This is a cash back rewards card, issued by American Express. This card is intended for consumers, or "personal use" with a good to perfect credit history. Rates may vary among applicants, however the lowest standard APR is 17.24%* and may be as high as 21.24%* (Variable)*, depending on your credit worthiness*.
Important Rates:
Intro APR Note: The issuer of this card asked that we not discuss the introductory APR, due to variable factors among applicants. Please see the terms and conditions for details.
There is no annual fee for this card.*
Rewards:
This card is a cash back card, where you can expect cash rewards for your purchases.
Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great credit record. A FICO credit score of 699 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.
FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any American Express product.
Other Basics:
The grace period listed for the Blue Cash® from American Express is at least 20 days*. So interest charges will not be applied for new purchases during this time if balance is paid in full by the due date. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.
American Express acceptance among businesses is moderate, but global. You should not have a difficult time finding businesses that will accept this card as a form of payment.
Approval Rate:
There were 15 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 80% of those applicants were approved.
The recent approval rate for this card is very high. Furthermore, if your FICO score is close to or higher than 699, then your chance of approval
may be even greater.
Approval Time:
Great news for applicants that do not want to wait on a application status. This card offer may give
instant approval decisions. Remember, this may not be true in all cases, where application information may
not be complete, questionable or for other reasons. When applying on-line, the system will normally show your
approval status shortly after submitting your application. Credit cards normally take 1 or 2 weeks to arrive
after your application is approved.
Community Opinion:
Based on community reviews, we found that
100% of 19 users recommend this card.
