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Blue Cash(R) from American Express

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The American Express Blue Cash works on the American Express network and is primarily intended for consumers who have Excellent credit.

The regular interest rate for purchases made with this card is As Low As 17.24%. The customary rate applied to balance tranfers to this card is N/A.

The American Express Blue…

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Card at-a-glance

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Rates & Fees Summary:

  • Intro purchase rate: 0% (up to 6 months)
  • Purchase rate: As Low As 17.24%
  • Intro balance transfer rate: N/A
  • Balance transfer rate: 19.24% (variable)
  • Annual Fee*: N/A
  • Balance transfer fee*: 3% (Between $5.00 - $249.00)

Rewards Summary:

  • Sign-up Bonus: N/A
  • Base earning rate: 0.5%
  • Max earning rate: 5%
  • Bonus Categories: Groceries, Drugstores, Gas Stations
  • Total Earning Limit: None
*See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information, however all credit card information is presented without warranty. You should review all credit card terms and conditions on the card issuer's website after clicking "Apply Now". Best efforts are made to match you with cards you will qualify for based on your indicated credit level/FICO score, however issuers evaluate several factors with your application and BillShrink is unable to guarantee approval.

Card rates and fees

Select a credit rating to view corresponding estimated rates:
Purchase rate* 0% (up to 6 months) As Low As 17.24%
Balance transfer rate* N/A 21.24% (variable)
Cash advance rate* N/A 25.24% (variable)
Default rate* N/A 27.24% (variable)
Purchase rate* 0% (up to 6 months) As Low As 17.24%
Balance transfer rate* N/A 21.24% (variable)
Cash advance rate* N/A 25.24% (variable)
Default rate* N/A 27.24% (variable)
Purchase rate* 0% (up to 6 months) As Low As 17.24%
Balance transfer rate* N/A 21.24% (variable)
Cash advance rate* N/A 25.24% (variable)
Default rate* N/A 27.24% (variable)
Purchase rate* 0% (up to 6 months) As Low As 17.24%
Balance transfer rate* N/A 19.24% (variable)
Cash advance rate* N/A 25.24% (variable)
Default rate* N/A 27.24% (variable)
Purchase rate* 0% (up to 6 months) As Low As 17.24%
Balance transfer rate* N/A 17.24% (variable)
Cash advance rate* N/A 25.24% (variable)
Default rate* N/A 27.24% (variable)
Annual Fee* $0.00
Balance transfer fee* 3% (Between $5.00 - $249.00)
Cash advance fee* 3% (minimum of $5.00)
Late payment fee* $19.00 for account balance between $0.00-$249.99
$39.00 for account balance greater than $250.00
Over credit limit fee* $35.00
Min finance charge* $0.50
Balance transfer fee* 3% (Between $5.00 - $249.00)
Cash advance fee* 3% (minimum of $5.00)
Late payment fee* $19.00 for account balance between $0.00-$249.99
$39.00 for account balance greater than $250.00
Over credit limit fee* $35.00
Min finance charge* $0.50
Balance transfer fee* 3% (Between $5.00 - $249.00)
Cash advance fee* 3% (minimum of $5.00)
Late payment fee* $19.00 for account balance between $0.00-$249.99
$39.00 for account balance greater than $250.00
Over credit limit fee* $35.00
Min finance charge* $0.50
Balance transfer fee* 3% (Between $5.00 - $249.00)
Cash advance fee* 3% (minimum of $5.00)
Late payment fee* $19.00 for account balance between $0.00-$249.99
$39.00 for account balance greater than $250.00
Over credit limit fee* $35.00
Min finance charge* $0.50
Balance transfer fee* 3% (Between $5.00 - $249.00)
Cash advance fee* 3% (minimum of $5.00)
Late payment fee* $19.00 for account balance between $0.00-$249.99
$39.00 for account balance greater than $250.00
Over credit limit fee* $35.00
Min finance charge* $0.50
*See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information, however all credit card information is presented without warranty. You should review all credit card terms and conditions on the card issuer's website after clicking "Apply Now". Best efforts are made to match you with cards you will qualify for based on your indicated credit level/FICO score, however issuers evaluate several factors with your application and BillShrink is unable to guarantee approval.
Rewards
Reward Units Cash
Rewards Expiration None
Total Earning Limit None
Drugstores 1% per each $1 spent up to $6,500, 5% per each $1 spent above $6,501
Gas Stations 1% per each $1 spent up to $6,500, 5% per each $1 spent above $6,501
Groceries 1% per each $1 spent up to $6,500, 5% per each $1 spent above $6,501
All Other Purchases 0.5% per each $1 spent up to $6,500, 1.25% per each $1 spent above $6,501
Features and Benefits
Category Consumer
Network American Express
Min Credit Level Excellent (750+)
Instant Approval Yes
No Annual Fee Yes
Rewards Program Yes
Grace Period 25 days
Method For Computing Balance Average Daily Balance
Universal Default No
Revolving Credit Yes
Secured Card No
Dedicated Customer Service
Zero liability for lost card
Emergency Check-In
Online account management
Extended Warranty (With the Buyer's Assurance Plan, you can shop worry-free knowing that the terms of the original manufacturer's warranty will be matched up to one additional year, on warranties of five years or less that are eligible in the U.S)
Car Rental Loss and Damage Insurance (The Car Rental Loss and Damage Insurance Plan provides coverage for theft of or damage to most rental vehicles. Coverage applies for the first 30 days of an auto rental if rented from a Car Rental Company.)
Purchase Protection (Shop with confidence and Purchase Protection, which protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase)
Travel Accident Insurance (Provides up to $100,000 in accidental death and dismemberment insurance while traveling on a Common Carrier Conveyance (plane, train, ship, helicopter or bus) when the entire fare has been charged to the Card)
Fraud Protection Guarantee
Global Assist Hotline
Emergency Card replacement
American Express Online Travel
Assured Reservations
ExpressPay
Online Year-End Summary
Return Protection (If you try to return a designated item within 90 days from the date of purchase and the merchant won't take it back, American Express will refund the full purchase price, up to $300 per item, excluding shipping and handling and up to a maximum of $1,000 annually per Card account)
Credit Cardholders' Bill of Rights compliance
Congress has expanded your rights as a credit card holder!
Click here to read about these rights or browse this card's compliance below.
How does this card comply?
Protection from arbitrary rate increases
The right to have rates reviewed and reduced
Fair allocation of payments
No universal default
No double-cycle billing
No fees for paying your bill
Protection from due date gimmicks
Enough time to pay your bill
Education on dangers of minimum payments
Protection of young cardholders
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