American Express focuses on centralized financial services planning, which has spawned many of the incredible American Express credit cards that promise great rewards. Blue Cash from American Express is one such card - designed in a manner to suit those of you with fine or excellent credit and planning for rebate programs.
Simply, American Express Blue Cash stands perfect; if you can have enough finances to spend hefty amounts on the card every year, you will receive cash back rewards in return. Well you might get deluded with the name Blue Cash (since you are not going to see any actual cash from the card). It is simply great for you, only if you are not one who is always on the lookout for regular discounts for stays at hotels or flyer miles.
You have a great program for rebate in Blue Cash Credit Card offering cash back on purchases. You might be interested to know the details of the rebate program, so spot it yourself.
Rebate Program
This rebate program allows you to earn between 0.5% and 5% cash back for every purchase on your card. Simplifying things for you, take a look at the particulars:
* The lowest possible rebate is 0.5%
* The highest possible rebate is 5%
The Rebate Details:
* You will earn a 0.5% rebate for general purchases up to $6500 and 1.5% for purchases over $6500
* Daily purchases earns you a 1% rebate for purchases less than or equal to $6500 and 5% for purchases above $6,500
So, you can earn up to 5% rebate on virtually everything you buy and especially quicker at supermarkets, drugstores and gas stations. Remember your cash award will vary according to the amount you spend each year.
How It Works?
Now, whenever you use Blue Cash from American Express for purchases at drugstores, gas stations and supermarkets (not in wholesale clubs), you will get 1% cash back on your purchase. If you make any other purchases with the card, you will get 0.5% cash back. This rate is applicable to all purchases you have made till you reach annual expenses of $6500. Once you have spent $6500, the cash-back rate climbs upto 5% at supermarkets, gas stations and drugstores and 1.5% for every other purchase.
Key Features
Now, dig through the fundamentals of the Blue Cash Card summed up here:
* It is ideal for you, if you are planning to carry a balance occasionally. As the card requires no annual fee and has a sensible interest rate for balance transfers and purchases (provided you qualify). Fees like application, participation, inactive, reloading are not applicable.
* It offers you a 0% introductory APR for the first 6 months of membership and gives you the option to pay in full or over time that can be applied toward purchases.
* Blue Cash has low balance transfer rate of 4.99%. At the end of six months introductory phase, the rate gets reasonable. The variable APR's are based on the Prime Rate.
* This competent APR helps you to carry a balance occasionally, without fearing much about getting yourself deep in debt.
Extra Benefits
You can avail a long-list of endearing perks with Blue Cash card as mentioned below:
* For the shopaholics this card covers,purchase protection, fraud protection, return protection and extended warranties
* Also, if you are a frequent traveler, you have the option of an emergency card replacement service, a global assist hotline, assured hotel reservations, special travel offers and guaranteed hotel and motel reservations. You get $100,000 in travel accident insurance.
* The Built-in ExpressPay feature allows you to make purchases even without having to swipe the card.
* All the Internet account related services are available for you.
Now, instead of paying for a credit card, you have a card - BLUE CASH from American Express that pays you.
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