How to Make the Most of Your Amex Blue Cash Everyday Credit Card
We all work for the money that we earn, so why not get a little free cash when you are able? Cashback credit card offers are easy cashback and make you feel better about the money you spend. Many people feel that the AmEx Blue cashback program is one of the best. The question is, will it meet your needs?
American Express is a card company that has been around for many years. However, this doesn't mean their cashback program is easy to understand.
Overview of the American Express Blue Cash Back Program
If you are a new member of the American Express Blue Cash Everyday cash back program, you will be welcomed with several benefits. Only some of these include:
- a 0% intro APR for 15 months and reduced plan fees if you split large purchases into monthly payments
- and the ability to earn $250.00 cash back if you spend $2,000.00 within the first six months.
At the end of 15 months, you will have a variable APR that ranges from 13.99% to 23.99%.
Like most credit card offers, new member benefits are not available to customers who have had a card with American Express in the past. You will get the Everyday cashback card with the variable APR.
The amount of cashback you may earn will depend mostly on the purchases you make while using your American Express cashback blue card. For instance:
|Groceries||3% on Groceries for up to $6,000.00 per year in the U.S. Then it drops to 1%.|
|Gas||2% on all gas purchases in the U.S.|
|Department Stores||2% at select department stores in the U.S.|
|Others||1% on all other purchases.|
When trying to maximize your rewards, there are two options that may speed things up. To do it you can:
- Have other family or friends added to your account as cardholders, their purchases will earn rewards for you.
- Use your AmEx Blue cashback card for monthly bills and expenses.
How to Sign Up for Blue Cash Back
To see if you qualify for the AmEx Blue Cash Everyday cashback program, you will need to fill out basic information. Then American Express promises a credit decision in just a few seconds. The main information you will be asked for is:
- Your Full Name
- The Name You Want on the Card
- Your Email Address
- Your Phone Number
- Your Birth Date
- Your Home Address
- Your Social Security Number
- Annual Income
- Non-Taxable Annual Income (If Applicable)
- Your Income Source
You will then need to agree to the Terms of Service and submit your application. An approval or denial message will be shown within just a few seconds.
How to Redeem Your AmEx Blue Card Cash Back Rewards
The cashback you receive when using AmEx Everyday cashback may not come in the form of cash. The default is in the form of Reward Dollars that you can use as a statement credit. However, if you want other options, they are available through your Membership Rewards Points dashboard. Your options include:
Covering Your Statement Charges
If available, your points can cover any expenses on your bill, and you get to choose the ones you want to cover.
Pay with Points at Checkout
Several partners will accept points earned through Blue Cash Everyday cashback. They include
- And More
Redeem for Gift Cards
You can use your points to get gift cards for many restaurants and stores. The gift cards can then be used or given as gifts.
Book or Upgrade Travel Arrangements
Travel is made more affordable with reward points. You can save on:
- Rental Cars
Transfer Your Points
You can even transfer your points to another loyalty program that you are enrolled in.
How to Maximize AmEx Blue Cash Everyday Cashback on Your Own
American Express says that it is easy to use the AmEx Blue cashback program. They say that you only have to:
Use your card every time you shop, and the rewards will add up. Points do not expire.
When you have enough points, you can use them in the way that you choose.
When you have decided how you want to use your points, you can redeem them by logging into your account.
However, it is only when you reach the terms of service that you discover not everything is simple. There are certain things you may use your card for that will not earn you reward points. For instance, you cannot earn points on:
- Cash Advances
- Person to Person Payments
- Traveler's Checks
- AmEx Gift Cards Bought Online
- And more…
These stipulations may complicate what should be a simple thing.
If you are feeling overwhelmed by trying to figure out how to maximize your Blue American Express cashback, DoNotPay will be happy to help. We have done it before with many other cashback apps and cashback cards.
How DoNotPay Can Help You Get the Biggest Blue Amex Cash Back Rewards
DoNotPay feels that owning a credit card and earning the rewards from it should be easy. Therefore, we have helped many people understand how Discover It, Citi, and even Apple cash back cards work. We can do the same for you.
To go one step further, we can also help you discover cash back options that you may not have considered yet. To get started is simple and within minutes you will have more options than you have ever imagined having access to.
It only takes three steps:
- Search for Cash Back on the DoNotPay website.
- Kick off the process to find the right app or website for you.
- Answer some specific questions so that we can help you start making money!
And that's it! DoNotPay will send you the best cashback options we can find, including AmEx Blue cashback if it is best for you, and help you to start earning more cash back on your purchases!
DoNotPay Can Solve Many Complicated Issues for You
Solving the problem of getting AmEx Blue cashback simple for you is just one of the many things that DoNotPay can do. We can also help you:
- Discover How Great Free Trials or Raffle Tickets Can Be
- Lower Those Bills That Always Pile Up Including Credit Card Debts
- Speed Up Your Contact with Customer Support
- Clear Away Parking Tickets That You Need to Dispute
- Find Missing Money You May Enjoy Having
If you would like to know about other ways that DoNotPay can help you, and save you money, you can visit DoNotPay online, anytime. As the world's first robot lawyer, it is the only lawyer's group that never closes.