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  American Express National Bank Blue Cash Preferred Credit Card

American Express National Bank Blue Cash Preferred Credit Card

in Personal Credit Cards from American Express National Bank

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American Express National Bank Blue Cash Preferred Credit Card

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in Personal Credit Cards from American Express National Bank

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Highlights
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.

Key Takeaways
  • 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.
American Express National Bank Blue Cash Preferred Credit Card Pros & Cons
The Good The Bad
  • 0% introductory APR on purchases and balance transfers.
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 12 months.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • Cardholders can earn rewards on their purchases.
  • American Express National Bank Blue Cash Preferred Credit Card reports to multiple credit bureaus.
  • High APR after intro period.
  • Requires good to excellent credit.
  • Charges an annual fee of $95
  • Charges a foreign transaction fee of 2.7%.
American Express National Bank Blue Cash Preferred Credit Card FAQ

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.

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American Express National Bank Blue Cash Preferred Credit Card Rewards
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.

American Express National Bank Blue Cash Preferred Credit Card Balance Transfers
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.

American Express National Bank Blue Cash Preferred Credit Card Purchase Intro Offer
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
American Express National Bank Blue Cash Preferred Credit Card Fees
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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • 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.
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 2.7%
Annual Fee $95
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
No Reward Expiration Period
Rewards Categories
  • 3% Cash Back on Gas
  • 6% Cash Back on Groceries up to $6000
  • 1% Cash Back on Every Purchase
  • 6% Cash Back on Entertainment
  • 3% Cash Back on Transit
Signup Bonus Starting at $300
Cash Advance APR (Variable APR) 25.24%
Balance Computation average daily balance (including new purchases).
Penalty APR (Variable APR) 29.24%
Purchase APR (Variable APR) 13.99% - 23.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Card Type
  • Rewards
  • Balance Transfer
  • Low Interest
  • Cashback
  • Bonus Offers
  • Zero Percent
  • Gas
Card Network American Express

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