AMEX National Bank Blue Cash Credit Card

AMEX National Bank Blue Cash Credit Card Review

This is a cashback card issued by American Express National Bank. If you're wondering whether AMEX National Bank Blue Cash Credit Card is the right card for you, read on.

Key Takeaways

• Generous reward rate. You can get a maximum cashback rewards rate of up to 6x.
• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
• Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership starting from the date your account is approved.
• Competitive APRs. AMEX National Bank Blue Cash Credit Card has a variable purchase APR that ranges from 16.99% up to 27.99%.
• Annual fee waived the first year. AMEX National Bank Blue Cash Credit Card gives you the chance to have the card for a year without paying the $95 annual fee.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2.7% every time you make a transaction outside the U.S.
• Gas rewards. 3% cashback on eligible fuel purchases.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 670.

Pros & Cons of AMEX National Bank Blue Cash Credit Card

AMEX National Bank Blue Cash Credit Card FAQ

Does AMEX National Bank Blue Cash Credit Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 6% for purchases in a bonus category.

What are the AMEX National Bank Blue Cash Credit Card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Trip Cancellation Insurance
• Zero fraud liability
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for AMEX National Bank Blue Cash Credit Card?

AMEX National Bank Blue Cash Credit Card has a variable purchase APR that ranges from 16.99% up to 27.99%. The card has a variable balance transfer APR that ranges from 16.99% up to 27.99%. It also has a variable cash advance APR of 28.24% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for AMEX National Bank Blue Cash Credit Card?

The following fees apply:

• There is no overlimit fee

Does AMEX National Bank Blue Cash Credit Card report your account activity to credit bureaus?

Yes, AMEX National Bank Blue Cash Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for AMEX National Bank Blue Cash Credit Card

• Visit the AMEX National Bank Blue Cash Credit Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.