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Blue Cash

Blue Cash from American Express: A Review

Blue Cash

Blue Cash

If you have great credit the Blue Cash credit card from American Express could be a great credit card to own. With the Everyday version of Blue Cash there is no annual fee. It’s a given with American Express that you get great customer service.

Cash Back Program

The cash back program has no minimum spending requirement, no enrollment and no restrictive list of categories that you are limited to. The cash back program pays you 3% on grocery purchases, 2% on gas or department store purchases and 1% cash on everything else. Rewards can be redeemed for statement credit, gift cards or merchandise. If you set up a bill paying service for such items as insurance bills, phone bills etc. you can earn cash back on those too.

0% introductory offer

American Express is currently offering a 0% APR introductory offer on purchases for the first year as long as your account is in good standing. There is a relatively high APR of 17.24% to 22.24% after the introductory period is over so it is a good practice to pay off your balance each month.

Travel Discounts/Benefits

The Blue Savings program provides you discounts on hotel stays, car rentals, and cruises. If you book rooms at JW Marriott or Renaissance Hotels you get free breakfast and a $100 discount on your next stay. Card membership also provides you with up to $100,000 in travel accident insurance and delayed or air travel lost baggage insurance up to $2,000

Purchase Refunds

If you suffer from buyer remorse for something you bought using the Blue Cash card and you have lost the receipt or the store refuses to take it back then you are covered with your Blue Cash card. If you find yourself in this position and it is less than 90 days since the purchase American Express will refund you up to $300 per item up to $1,000 annually. This offer does exclude any shipping and handling fees.

No Over Limit Fees

In 2009 American Express removed all over limit fees. If your account is in good standing and you pay your bills on time you will not have to pay a fee for going over your credit limit. See also, American Express Cards

American Express Card
The card issuer American Express offers a wide range of credit cards to customers. Which card you choose will very much depend on your own particular lifestyle and financial circumstances.
Rewards Cards:

American Express Card

American Express Card

The premium rewards cards available from American Express are the Platinum Card, and the Preferred Rewards Gold Card.

The Platinum Card has a range of benefits with services like 24 hour concierge and attracts no interest charges as long as the balance is paid in full every month.

Cardholders get VIP treatment and have access to some 600 airport lounges across the globe, get comprehensive travel insurance benefits for their families and themselves as well as preferential treatment during travelling like upgrades or companion flight tickets with a 25,000 membership points bonus upon spending the first $1,000 during the first 3 months of membership. The annual fee is $450 and there is no pre-set spending limit. The card is useful for frequent travellers and their families.

The Premier Rewards Gold Card aims at frequent travellers. Upon sign up customers 25,000 points when they spend $2000 in the first three months of card membership. The annual fee is free for the first year then $175 from the second year onwards. The Premier Rewards Gold Card is a charge card thus balances must be paid in full each month. You can earn 3 points on airfare, 2x points on gas and groceries, 1x points on everything else.

Travel Rewards Cards:

The travel reward cards issued by American Express are the Gold Delta Skymiles card and the Starwood Preferred Guests Card. The Gold Delta Skymiles card is an airline miles credit card providing up to 25,000 bonus miles. See also, Airline Miles Credit Cards. There is no annual fee for the first year, then $95 each year thereafter. The fee is reduced to $45 if you are a qualified American Express Cardmember.

The Starwood Preferred Guest Card is a hotel reward credit card. In recent months, hotel reward programs are increasingly preferred to airline miles cards. Perhaps this is because dealing with the airlines can be a hassle at times. See also, Hotel Reward Programs. The Starwood Preferred Guest card offers 10k bonus points with your first purchase and another 15K when you spend $15,000 within six months. There is no annual fee for the first year, then $65 each year thereafter.

Cashback Card:

One of the American Express offerings in this category is the Blue Cash Everyday card. This card has no annual fee and you can pay your balance over time. What sets this card apart from some other cards in the cash back category is the fact that there are no rotating reward categories. You get 3% cash back at supermarkets, 2% cash back at gas stations, and 1% cash back everywhere else. See also cash back credit cards. See also, TrueEarnigs Card from Costco and American Express.

American Express Credit Card
American Express Credit Card

American Express Credit Card

The American Express credit card review below will give potential cardholders and idea of the broad offerings from Amex. The card issuer American Express offers a wide range of credit cards to customers. Which card you choose will very much depend on your own particular lifestyle and financial circumstances.

American Express Credit Card Review

Rewards Cards:

Credit Card Review

Credit Card Review

The premium rewards cards available from American Express are the Platinum Card, and the Preferred Rewards Gold Card.

The Platinum Card has a range of benefits with services like 24 hour concierge and attracts no interest charges as long as the balance is paid in full every month.

Cardholders get VIP treatment and have access to some 600 airport lounges across the globe, get comprehensive travel insurance benefits for their families and themselves as well as preferential treatment during travelling like upgrades or companion flight tickets with a 25,000 membership points bonus upon spending the first $1,000 during the first 3 months of membership. The annual fee is $450 and there is no pre-set spending limit. The card is useful for frequent travellers and their families.

The Premier Rewards Gold Card aims at frequent travelers. Upon sign up customers 25,000 points when they spend $2000 in the first three months of card membership. The annual fee is free for the first year then $175 from the second year onwards. The Premier Rewards Gold Card is a charge card thus balances must be paid in full each month. You can earn 3 points on airfare, 2x points on gas and groceries, 1x points on everything else.

Travel Rewards Cards:

The travel reward cards issued by American Express are the Gold Delta Skymiles card and the Starwood Preferred Guests Card. The Gold Delta Skymiles card is an airline miles credit card providing up to 25,000 bonus miles. See also, Airline Miles Credit Cards. There is no annual fee for the first year, then $95 each year thereafter. The fee is reduced to $45 if you are a qualified American Express Cardmember.

The Starwood Preferred Guest Card is a hotel reward credit card. In recent months, hotel reward programs are increasingly preferred to airline miles cards. Perhaps this is because dealing with the airlines can be a hassle at times. See also, Hotel Reward Programs. The Starwood Preferred Guest card offers 10k bonus points with your first purchase and another 15K when you spend $15,000 within six months. There is no annual fee for the first year, then $65 each year thereafter.

Cashback Card:

One of the American Express offerings in this category is the Blue Cash Everyday card. This card has no annual fee and you can pay your balance over time. What sets this card apart from some other cards in the cash back category is the fact that there are no rotating reward categories. You get 3% cash back at supermarkets, 2% cash back at gas stations, and 1% cash back everywhere else. See also cash back credit cards. See also, TrueEarnigs Card from Costco and American Express.

American Express
American Express

American Express

If you ask the average American what credit card do they associate with success, wealth, perks benefits and prestige the answered is almost always American Express. If you ask that same person what automobile do you associate with a person that carries the American Express card, you get a resounding response of Mercedes Benz, there are a few people who respond Rolls Royce or Bentley and then the younger people asked, always note Ferrari or Aston Martin but on the overall  wealth, success and prestige are associated with American Express and Mercedes Benz.

So what better marriage could be made, if I was into Acquisitions and Mergers, I would find a way to join these two global brands under one umbrella or part of the same company they would be unstoppable. Add in Tiffany’s and Versace, you would have the retail world in your hand.

These two companies have formed a relationship, the beginnings of a courtship. Who knows where it could lead.

Mercedes Benz

Mercedes Benz

This week American Express and Mercedes Benz, jointly announced two new products, the Mercedes-Benz Credit Card from American Express” and the “Platinum Card from American Express Exclusively For Mercedes-Benz.”

Now Mercedes Benz owners can carry a card designed especially for them, with perks and benefits befitting a Mercedes Owner. The perks list is long and rewarding and includes rentals and service credits using points. The plan also offers discounts on purchases at Mercedes and special award for travel and accommodations.

These cards have put together the perfectly designed luxury packages that fits the lifestyle and desires of Mercedes owners.

American Express now has a direct pipeline into the wallets of Mercedes owners and Mercedes Benz has special perks they can offer their customers beyond the purchase of a new car.

This is the perfect marriage between the two respected and prestigious companies.

The idea of the Mercedes card came from response of a survey conducted by Mercedes Benz owners. Mercedes and American Express worked hard and long to come up with a program that varied from the standard programs they offer and that other cards offer so that the new cards were unique and worth carrying.

The results of this business venture, might start a whole new line of specially designed cards and programs for prestigious business such as the Gucci Card or the Ritz Carlton Card.

BMW financial has offered their exclusive VISA card for years but it has never been a huge success. We wish American Express and Mercedes Benz good luck.

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