American Express Blue Cash – How To Apply

By Marcos • 11/27/2024

The American Express Blue Cash card is ideal for maximizing cashback on everyday purchases.

With its appealing rewards structure, offering 3% back on U.S. supermarket spending and 2% on U.S. gas stations, this card makes it easy to earn rewards on essential expenses. 

In addition to its generous cashback offerings, the card comes with no annual fee, providing excellent value for cardholders.

In this article, we’ll explore the features, benefits, and limitations of the American Express Blue Cash card to help you determine if it’s the right fit for your financial lifestyle.

How does American Express Blue Cash Credit Card work?

The American Express Blue Cash Credit Card is designed to reward cardholders for everyday spending, especially in categories like groceries and gas. 

With this card, you can earn 3% cashback on purchases at U.S. supermarkets (up to $6,000 per year), making it a great option for those who frequently shop for groceries. 

It also offers 2% cashback at U.S. gas stations and select department stores, ensuring that your fuel and shopping expenses also earn rewards. For all other purchases, the card provides 1% cashback, offering a solid return on nearly every transaction.

One of the standout features of the Blue Cash card is that it comes with no annual fee, making it a cost-effective choice for everyday users. 

You don’t have to worry about additional charges eating into your rewards, and the card remains a practical option for those who want to keep things simple.

Cashback earned from the card can be easily redeemed for statement credits, gift cards, or other options through the American Express Membership Rewards program. 

Main benefits of American Express Blue Cash Credit Card

The American Express Blue Cash Credit Card offers several key benefits that make it an appealing option for everyday spenders:

1. High Cashback on Everyday Purchases:
   • 3% cashback at U.S. supermarkets (up to $6,000 per year).
   • 2% cashback at U.S. gas stations and select department stores.
   • 1% cashback on all other purchases.
2. No Annual Fee:
   Unlike many other rewards cards, the Blue Cash card comes with no annual fee, allowing you to earn rewards without extra costs.
3. Purchase Protection and Extended Warranty:
   American Express offers purchase protection on eligible purchases, including coverage against theft or damage. 
4. Fraud Protection:
   American Express provides robust fraud protection, ensuring that you’re covered in the event of unauthorized transactions.
5. Simple Cashback Redemption:
   Cashback rewards can easily be redeemed for statement credits, gift cards, or other options, providing flexibility and convenience.

American Express Support:
Cardholders gain access to 24/7 customer service, as well as a range of benefits from American Express, such as exclusive offers and promotions.

Cons of American Express Blue Cash Credit Card

While the American Express Blue Cash Credit Card offers many benefits, there are some drawbacks to consider:

1. Foreign Transaction Fees:
   The card charges a 2.7% foreign transaction fee on purchases made outside the U.S. This makes it less ideal for international travelers, as the fees can add up quickly when making purchases abroad.
2. Limited Cashback Categories:
   While the card offers great rewards on groceries and gas, its cashback categories are relatively limited.
3. Cashback Cap on Supermarkets:
   The 3% cashback on supermarket purchases is capped at $6,000 per year. 

APR and fees 

The American Express Blue Cash Credit Card has a variable APR ranging from 18.24% to 25.24%, depending on your creditworthiness. To avoid interest charges, it’s best to pay off your balance in full each month. 

While there’s no annual fee, the card does charge a 2.7% foreign transaction fee for purchases made outside the U.S., as well as potential fees for late payments (up to $40) and returned payments. It’s important to be mindful of these fees, especially if you carry a balance or travel abroad frequently.

How to apply for the American Express Blue Cash Credit Card 

Applying for the American Express Blue Cash Credit Card is a straightforward process. Here’s how you can apply:

1. Visit the American Express Website:
   Start by visiting the official American Express website and navigate to the Blue Cash Credit Card page.
2. Fill Out the Application Form:
   You’ll need to provide personal information such as your name, address, date of birth, social security number, employment status, and annual income. 
3. Review the Terms:
   Before submitting, make sure to review the card’s terms and conditions, including its APR, fees, and rewards structure, so you fully understand the card’s features.
4. Submit Your Application:
   After filling out the application form and reviewing the details, submit your application.