
AMEX National Bank Blue Cash Credit Card
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Community Rating |
Rating not yet determined |
Purchase APR (Variable APR) | 13.99% - 23.99% |
Balance Transfer APR (Variable APR) | 13.99% - 23.99% |
Credit Score Range | 650 - 850 |
Annual Fee | $95 |
AMEX National Bank Blue Cash Credit Card Review
This is a cashback credit 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. This review will provide you with with all the details you need to make a good choice.
- Generous reward rate. You will get a maximum 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. AMEX National Bank Blue Cash Credit Card has a variable purchase APR that ranges from 13.99% up to 23.99%.
- 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 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.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
The Good | The Bad |
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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 $10 back in cash. However, you can earn up to 6% for purchases in a bonus category.
Minimum rewards rate | 1x |
Max rewards rate | 6x |
Annual rewards limit | N/A |
Signup Bonus ($) | $300 |
Signup Bonus Spend Requirement | $1000 |
Signup Bonus Spend Period (months) | 3 months |
Does AMEX National Bank Blue Cash Credit Card have a signup bonus?
Yes, it offers card users a signup bonus worth up to $300 after spending $1000.
Does AMEX National Bank Blue Cash Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.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?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.AMEX National Bank Blue Cash Credit Card has a variable purchase APR that ranges from 13.99% up to 23.99%. The card has a variable balance transfer 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 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does AMEX National Bank Blue Cash Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.
Description | |
---|---|
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 12 months |
Balance Transfer APR | 13.99% - 23.99% |
Does AMEX National Bank Blue Cash Credit Card have an intro APR offer on new purchases?
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period | 12 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.
What are the fees for AMEX National Bank Blue Cash Credit Card?
The following fees apply:
- 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 AMEX National Bank Blue Cash Credit Card have a foreign transaction fee?
AMEX National Bank Blue Cash 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 foreign transaction fees.What is the support contact email for AMEX National Bank Blue Cash Credit Card?
The support contact email for AMEX National Bank Blue Cash Credit Card is info@americanexpress.com.
How do people rate the customer service and user experience of AMEX National Bank Blue Cash Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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.
Contact
- Headquarters
-
World Financial Center
200 Vesey Street
New York, NY 10285 - Visit Site
- Email Support
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
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 12 months |
AMEX National Bank Blue Cash Credit Card Community Reviews
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