The Blue Cash Card Review

If you are looking for a card offering cash back on purchases, the Blue Cash Card from American Express is a great option. The Blue Cash card is featured as having cash back every day for every dollar. Users can earn a very competitive cash back percentage along with many convenient features including automatic cash rewards and unlimited cash back. The Blue Cash card also offers no annual fee and a 0% introductory rate on all purchases for up to 12 months. There are many great cash back opportunities and benefits to this card for everyday consumers purchases that simply add up over a year.

Cash Back Percentages and Eligibility

The Blue Cash card offers a rebate credited to your monthly statement for each rebate year which is comprised of 12 consecutive billing periods. For all year to date purchases ranging from $0-$6,500, card users receive 1% cash back on every day purchases which refer to eligible grocery stores, gas stations and drug stores. All other purchases such as department store transactions earn .5% cash back. When a Blue Cash card user spends $6,500.01 or more, they will receive 5% cash back on everyday eligible purchases and 1.5% on all other eligible purchases. This can provide huge value to a consumer who properly utilizes their cash back opportunity. It is important to note that eligible purchases do not include finance charges, over the limit fees, cash advances or other no-purchase related charges such as balance transfers.

American Express offers an online calculator to help Blue Cash card users calculate their eligible cash back opportunity. This tool will allow users to estimate the amount of cash back they will be eligible for once reaching the rebate date as well as projecting the amount spent in each eligible category. One of the major benefits is that the cash reward rebate is automatic at the end of the 12 month rebate cycle, a major benefit to users. No additional calls or contacts to American Express are required; the rebate amount is simply applied to your account.

Little Known Ways to Earn More Cash

The Blue Cash card has several additional options for earning cash back. Card users can enroll family members onto the same account to maximize rebate accrual. Eligible expenses also include recurring fees such as monthly gym fees or utilities including cable and cell phone bills. The opportunity to earn cash back benefits on expenses you are already incurring is a great way to optimize your spending. The Blue Cash card also provides extensive buyer protection for purchases made on the card. Within the first 90 days after an eligible purchase is made, the purchase is protected from theft or accidental damage. This can be an incredible benefit for a potentially disastrous occurrence. And it is a benefit offered at no additional cost.

The Blue Cash card from American Express has an extensive amount of value for card users. The easy to use rebate features of the card provide members with simple ways to maximize the value of their purchases. Low interest rates, no annual fees and purchase security benefits make the Blue Cash card an incredible value to card members.

Write to Sheryl Peterson at sheryl@creditdonkey.com

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Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author's alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.

Disclaimer: This content was first published on October 27, 2008. Information including APR, terms and benefits may vary, be out of date, or not applicable to you. Information is provided without warranty. Please check American Express website for updated information.