
American Express National Bank Blue Cash Preferred Credit Card
in Personal Credit Cards from American Express National Bank
ClaimedAmerican Express National Bank Blue Cash Preferred Credit Card
in Personal Credit Cards from American Express National Bank
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Purchase APR (Variable APR) | 13.99% - 23.99% |
Balance Transfer APR (Variable APR) | N/A |
Credit Score Range | 700 - 850 |
Annual Fee | $95 |
American Express National Bank Blue Cash Preferred Credit Card Review
American Express National Bank Blue Cash Preferred Credit Card is a cashback credit card issued by American Express National Bank. If you're wondering whether American Express National Bank Blue Cash Preferred Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.
- Generous reward rate. You will get a cashback rewards rate of up to 6%.
- 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.
- Signup bonus. Offers a signup bonus of $300 if you spend $1000 within 3 months.
- Competitive APRs. American Express National Bank Blue Cash Preferred Credit Card has a variable purchase APR that ranges from 13.99% up to 23.99%.
- 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 gas 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 should probably try with another card if your credit score is below 700.
The Good | The Bad |
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Is there a American Express National Bank Blue Cash Preferred Credit Card cash back or rewards program?
American Express National Bank Blue Cash Preferred Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With American Express National Bank Blue Cash Preferred Credit Card you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 6% for purchases in a bonus category.
Minimum rewards rate | 1x |
Max rewards rate | 6x |
Annual rewards limit | N/A |
Signup Bonus ($) | $300 |
Signup Bonus Spend Requirement | $1000 |
Signup Bonus Spend Period (months) | 3 months |
Does American Express National Bank Blue Cash Preferred Credit Card have a signup bonus?
Yes, American Express National Bank Blue Cash Preferred Credit Card offers card users a signup bonus worth up to $300 after spending $1000.
Does American Express National Bank Blue Cash Preferred Credit Card offer an annual loyalty bonus?
American Express National Bank Blue Cash Preferred Credit Card doesn't offer a cash loyalty bonus.What are the American Express National Bank Blue Cash Preferred Credit Card benefits?
American Express National Bank Blue Cash Preferred Credit Card 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 American Express National Bank Blue Cash Preferred Credit Card?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. American Express National Bank Blue Cash Preferred Credit Card has lower than average purchase APRs.American Express National Bank Blue Cash Preferred Credit Card has a variable purchase APR that ranges from 13.99% up to 23.99%. It also has a variable cash advance APR of 25.24% . Note that late payments are subject to an APR of 29.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does American Express National Bank Blue Cash Preferred Credit Card have an introductory APR offer on balance transfers?
Yes, American Express National Bank Blue Cash Preferred Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.
Description | |
---|---|
Balance Transfer Fee % After Intro Period | N/A |
Balance Transfer Fee Intro Period | N/A |
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 12 months |
Balance Transfer APR | N/A |
Balance Transfer Fee Minimum | N/A |
Balance Transfer Fee % | N/A |
Does American Express National Bank Blue Cash Preferred Credit Card have an introductory APR offer on new purchases?
This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 12 months.
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period | 12 months |
What are the fees for American Express National Bank Blue Cash Preferred Credit Card?
The following fees apply to American Express National Bank Blue Cash Preferred Credit Card:
- There is no overlimit fee
Fees | Amount |
---|---|
Annual Fee | $95 |
Overlimit Fee | $0 |
Foreign Transaction Fee | 2.7% |
Returned Payment Fee | up to $40 |
Late Payment Fee | up to $40 |
Does American Express National Bank Blue Cash Preferred Credit Card have a foreign transaction fee?
American Express National Bank Blue Cash Preferred Credit Card charges a foreign transaction fee of 2.7%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $54. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.Does American Express National Bank Blue Cash Preferred Credit Card report your account activity to credit bureaus?
Yes, American Express National Bank Blue Cash Preferred 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 American Express National Bank Blue Cash Preferred Credit Card
- Visit the American Express National Bank Blue Cash Preferred 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.
Contact
- Headquarters
-
World Financial Center
200 Vesey Street
New York, NY 10285 - Visit Site
Other Services by American Express National Bank

Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
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- Connecticut
- Delaware
- Washington, DC
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- Hawaii
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- Illinois
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- Texas
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- West Virginia
- Wisconsin
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Feature Breakdown
Every Purchase (Points) | EARN 6% CASH BACK at US supermarkets, U.S. streaming subscriptions. EARN 3% CASH BACK on transit (taxis, rideshare, tolls, trains, buses, ect) and at U.S. gas stations. EARN 1% CASH BACK on all other purchases. |
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