| A rose may be a rose by any name, but when it | | | | American Express Blue Cash credit card at |
| comes to cash rebate cards, a cash back | | | | supermarkets, gas stations and drugstores. |
| credit card is not a cash back credit card, | | | | Other Purchases cover pretty much everything |
| at all. They differ widely in just about | | | | else. |
| every conceivable way: Some are bland and | | | | |
| uninteresting, some are completely overpriced | | | | Unlike many of its competitors, the American |
| and some have prickly thorns hidden in the | | | | Express Blue Cash credit card offers cash |
| rich green foliage. | | | | rebates in both of their purchase categories: |
| | | | In the Everyday Purchases category, you |
| There are a couple of things you simply have | | | | receive up to 5% bonus cash back when you |
| to ask yourself when shopping for cash rebate | | | | swipe your American Express Blue Cash credit |
| credit card: | | | | card and in the Other Purchases category, |
| | | | your receive up to 1.5% per transaction. |
| - What is the APR on purchases? | | | | There is no such thing as a minimum spending |
| | | | requirement and there is no such thing as a |
| - What is the annual fee? | | | | maximum earnings ceiling. You earn from day |
| | | | one, even on certain bill payments. The only |
| - Are there any introductory offers? | | | | exclusion is cash and cash related |
| | | | transactions. |
| - What is the balance transfer rate? | | | | |
| | | | American Express Blue Cash Reward Structure |
| - What are the restrictions on the cash | | | | |
| rebates:o Is there a hurdle to entry?o Is | | | | The American Express Blue Cash rebate is |
| there a ceiling?o Is there a limitation on | | | | calculated on an annual basis. If you spend |
| where I have to shop to earn cash back | | | | $6,500 or less per year, the rates will be 1% |
| rewards?o Will my earnings reduce when I | | | | for Everyday Purchases and 0.5% for Other |
| reach a specific point? | | | | Purchases. If you spend more than $6500 per |
| | | | year, your rebate will be 5% for Everyday |
| - Are there any ancillary benefits associated | | | | Purchases and 1.5% on Other Purchases. |
| with the card? | | | | |
| | | | American Express Blue Cash Salient Features |
| When you start asking these questions, don't | | | | in a nutshell |
| be too surprised if the American Express Blue | | | | |
| Cash credit card comes up either ahead of the | | | | - The American Express Blue Cash credit card |
| pack or, at the very least, in the leading | | | | charges no annual fee. It offers a 6-month 0% |
| group. This credit card company has been | | | | introductory APR on purchases, an ongoing |
| working hard to ensure that holders of their | | | | purchase APR of 13.24%, and a balance |
| American Express Blue Cash credit card | | | | transfer rate of 4.99% for the life of the |
| receive the best of the best, and then some. | | | | balance transferred to your American Express |
| | | | Blue Cash credit card. |
| American Express Blue Cash Reward Categories | | | | |
| | | | - As a holder of the American Express Blue |
| The cash back rewards offered through the | | | | Cash credit card, you also gain access to |
| American Express Blue Cash credit card is | | | | special travel related offers, discounts on a |
| generous. Like its competitors, the American | | | | variety of branded merchandise, insurance, |
| Express Blue Cash credit card differentiates | | | | fraud protection, the 24/7 Global Assist |
| between purchase types: Everyday Purchases | | | | program and Buyer's protection, amongst |
| and Other Purchases. Everyday Purchases | | | | others. |
| encompass those purchases you make with your | | | | |