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  Blue Cash Preferred Card from American Express

Blue Cash Preferred Card from American Express

in Personal Credit Cards from American Express National Bank

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Blue Cash Preferred Card from American Express

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Highlights
Highlights
Annual Fee $95
Purchase APR  (Variable APR) 14.74% - 25.74%
Balance Transfer APR  (Variable APR) 14.74% - 25.74%
Credit Score Range 700 - 850

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. 

This card is designed for people with good credit. The minimum credit score to apply is 700. 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.

Pros & Cons of Blue Cash Preferred Card from American Express
Pros Cons
  • 0% introductory APR on purchases and balance transfers.
  • High APR after intro period.
  • 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.

    Blue Cash Preferred Card from American Express Rewards
    Rewards rate (all purchases) 1%
    Max rewards rate 6%
    Annual rewards limit N/A
    Signup Bonus ($) $250
    Signup Bonus Spend Requirement $1000

    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 $250 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:

    • Auto Rental Collision Damage Waiver
    • Emergency Support
    • Extended Warranty Protection
    • Fraud Liability
    • Travel Accident Insurance
    • Travel Assistance
    • ID Theft Protection
    • Reports to major credit bureaus

    What are the relevant APRs for Blue Cash Preferred Card from American Express?

    Blue Cash Preferred Card from American Express has a variable purchase APR that ranges from 14.74% up to 25.74%. The card has a variable balance transfer APR that ranges from 14.74% up to 25.74%.

    It also has a variable cash advance APR starting at 26.99% . 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 Blue Cash Preferred Card from American Express have an introductory APR offer?

    Yes, Blue Cash Preferred Card from American Express offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.

    This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 12 months.

    Blue Cash Preferred Card from American Express Balance Transfers
    Description
    Balance Transfer APR 14.74% - 25.74%
    Introductory Rate 0%
    Intro APR period (months) 12
    Blue Cash Preferred Card from American Express Rates & Terms
    Description
    Balance Computation average daily balance (including new purchases)
    Purchase APR 14.74% - 25.74%
    Credit Limit N/A
    Penalty APR 29.99%
    Cash Advance APR Starting at 26.99%
    Security Deposit N/A
    Introductory Rate 0%
    Intro APR period (months) 12

    What are the Blue Cash Preferred Card from American Express fees?

    The following fees apply to Blue Cash Preferred Card from American Express:

    • There is no overlimit fee
    Blue Cash Preferred Card from American Express Fees
    Fees Amount
    Annual Fee $95
    Overlimit Fee $0
    Foreign Transaction Fee 2.7%
    Balance Transfer Fee 3%
    Minimum Balance Transfer Fee $5
    Returned Payment Fee $39
    Late Payment Fee $39

    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 score.

    How to apply for Blue Cash Preferred Card from American Express

    • Visit the American Express National Bank website.
    • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
    • 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.

    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...

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      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

    Gas Starting at 3%
    Groceries Starting at 6%
    Travel Starting at 3%
    Minimum Interest Charge $0
    No Interest Grace Period for Late Payment 25
    Over-Limit Fee $0
    Annual Fee $95
    Balance Transfer Fee % 3%
    Balance Transfer Fee Minimum $5
    Cash Advance Fee (%) Starting at 3%
    Cash Advance Fee Minimum $10
    Foreign Currency Transaction Fee 2.7%
    Late Fee Amount $39
    Minimum Cash Advance Fee ($) Starting at $5
    Returned Payment Fee $39
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Credit Score Range 700 - 850
    Card Network
    • American Express
    Card Type
    • Balance Transfer
    • Bonus Offers
    • Cashback
    • Gas
    • Rewards
    • Zero Percent
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Car Rental Insurance  
    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
    Emergency Support  
    Extended Warranty  
    Flight Insurance  
    Fraud Liability  
    Travel Insurance  
    Bonus Rewards $250 sign up bonus after spending $1000 in 3 months.
    Every Purchase 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.
    No Reward Expiration Period  
    Rewards Categories
    • Every Purchase
    • Gas
    • Groceries
    Signup Bonus $250
    Cash Advance APR (Variable APR) Starting at 26.99%
    Purchase APR (Variable APR) 14.74% - 25.74%
    Balance Computation average daily balance (including new purchases)
    Introductory Rate 0%
    Penalty APR 29.99%
    Balance Transfer APR (Variable APR) 14.74% - 25.74%
    Intro APR period 12
    Introductory Rate 0%

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