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Blue Cash Everyday(SM) Card from American Express Review
The Blue Cash Everyday(SM) Card is a straightforward cash back card in the American Express® portfolio. This is a cash rewards card that enables users to receive cash for purchases, with no minimum spending required, no enrollment necessary and no rotating categories to choose from each month. The card has no annual fee and is ideal for people with excellent credit scores who pay their balance in full every month as the go-to APR is high. In all likelihood this is the case due to the nature of the rewards structure as most cash back credit cards do not adapt a set category earnings structure. Here is a quick snapshot of the Blue Cash Everyday(SM) Card from American Express:
Key Advantages:
- There is 0% APR introductory rate on purchases for the first full year. Following the initial introductory period, the APR is between 17.24% and 21.24%, depending on your credit score.
- Cardholders receive 3% cash back on purchases in supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases.
- Reward Dollars can be redeemed for statement credit, gift cards or all forms of merchandise when $25 or more Reward Dollars have been earned.
- Cash back may be earned faster by adding family and/or friends to accounts. In fact, users can earn more cash back with a secondary card for their spouse or child on their account.
- There is no limit on cash back, which means users can earn more money back the more they spend.
- The cash back rewards apply to paying bills as well when users enroll in the Automatic Bill Pay program. These bills will be deducted from the card account in order to receive cash back.
- Those who carry the card gain exclusive access to the Blue Savings Program, which offers discounts on hotels, rental cards, dining, cruises and various travel purchases. JW Marriot Hotels offer 20% discounts at Hertz car rental, and Renaissance Hotels offer a free breakfast every time you stay at the hotel over a weekend, and an additional $100 discount for the next time you stay at the hotel. Regent Seven Seas Cruises offer $250 on-board credit with purchases made on the Blue Cash card.
- The Blue Cash Everyday(SM) Card offers the Purchase Protection Plan which secures the user against accidental damage or theft of eligible purchases. With this card, American Express will refund up to $1,000 per occurrence and up to $50,000 per card account per policy year.
- The card also offers Return Protection for users to return an eligible item within 90 days from the date of purchase. American Express will refund users up to $300 per item and up to $1,000 per card account per year.
- Cardholders may earn 25 Reward Dollars as a referral bonus for recruiting family members and/or friend who are approved for the Blue Cash Card.
The Blue Cash Everyday(SM) Card is ideal for customers who want cash back, instead of rewards points or bonuses. The most notable advantages of the card is that users can earn 3% cash rebates on groceries, 2% on gas and department store purchases and 1% on all other everyday purchases without any spending requirements.
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