Blue Cash Preferred Card from American Express
in Personal Credit Cards from American Express National Bank
ClaimedBlue Cash Preferred Card from American Express
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 |
Blue Cash Preferred Card from American Express Review
Blue Cash Preferred Card from American Express is a cashback credit card issued by American Express National Bank. If you're wondering whether Blue Cash Preferred Card from American Express 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 a rewards rate of 6 points per dollar spent.
- Earn 1 point for every dollar spent on everyday purchases. Terms and conditions apply.
- 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. Blue Cash Preferred Card from American Express 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. Earn up to 3% for every $1 you spend on gas.
- Multiple credit card benefits. Includes generous credit card perks, such as purchase protection, 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 Blue Cash Preferred Card from American Express cash back or rewards program?
Blue Cash Preferred Card from American Express is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Blue Cash Preferred Card from American Express you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 6% for purchases in a bonus category.
| Rewards rate (all purchases) | 1% |
| Max rewards rate | 6% |
| Annual rewards limit | N/A |
| Signup Bonus ($) | $300 |
| Signup Bonus Spend Requirement | $1000 |
| Signup Bonus Spend Period (months) | 3 months |
Does Blue Cash Preferred Card from American Express have a signup bonus?
Yes, Blue Cash Preferred Card from American Express offers card users a signup bonus worth up to $300 after spending $1000.
Does Blue Cash Preferred Card from American Express offer an annual loyalty bonus?
Blue Cash Preferred Card from American Express doesn't offer a cash loyalty bonus.What are the Blue Cash Preferred Card from American Express benefits?
Blue Cash Preferred Card from American Express provides the following benefits:
- ID Theft Protection
- Reports to major credit bureaus
What are the relevant APRs for Blue Cash Preferred Card from American Express?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Blue Cash Preferred Card from American Express has lower than average purchase APRs.Blue Cash Preferred Card from American Express 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 Blue Cash Preferred Card from American Express have an introductory APR offer on balance transfers?
No, Blue Cash Preferred Card from American Express does not come with an introductory APR offer for balance transfers.Does Blue Cash Preferred Card from American Express 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 (months) | 12 |
What are the fees for Blue Cash Preferred Card from American Express?
The following fees apply to Blue Cash Preferred Card from American Express:
- 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 Blue Cash Preferred Card from American Express have a foreign transaction fee?
Blue Cash Preferred Card from American Express 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 Blue Cash Preferred Card from American Express report your account activity to credit bureaus?
Blue Cash Preferred Card from American Express 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 can help improve your credit.
How to apply for Blue Cash Preferred Card from American Express
- Visit the Blue Cash Preferred Card from American Express 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 you're denied click here to find out why your application may have been rejected and what you can do about it.
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
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
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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