American Express is one of the largest credit card issuers in the United States. They offer a wide range of credit cards, banking products, loans, and more. There are three categories of Credit Cards American Express offers, American Express Membership Rewards Cards, American Express Co-Branded Cards, and American Express Cashback Cards.
This article is mainly focused on AMEX Cashback Credit Cards. Here, in this article, we will tell you about the American Express Cashback Rewards program review. Here you will explain to you about everything you need to know.
About American Express Cashback Program
American Express conducted the Cashback Rewards program on their three different credit cards. You will get cashback on every eligible purchase using these cards. Cashback will be accrued in your account in Reward Dollars. Until your reward dollars reached $25, then you can redeem the Reward Dollars for a statement credit. It is redeemable for the next bill. If you have to pay the credit card bill of $200, then you can redeem $25 in cash back. In that case, you only have to pay $175.
You should know that your Reward Dollars has been a minimum of $25 before you can redeem your rewards. The cashback cards are marketed as earning cashback. But you are getting the Rewards Dollars. You can redeem your Rewards Dollars for statement credits, for purchase products, or a variety of gift cards.
Let’s look at some of the credit cards through which you can earn the Rewards Dollars.
Cashback Cards offered by American Express
American Express offers three types of cashback rewards cards. They are the followings:
- Cash Magnet.
- Blue Cash Preferred.
- Blue Cash Everyday.
These three cards are part of the Rewards Dollars program. You can redeem your Rewards Dollars for the statement credits. But there is some basic difference between these three cards.
American Express Cash Magnet Credit Cards
This credit card is a simple cashback card. By using this card, you can earn 1.5% cashback on all your purchases. There are no special restrictions to think about.
Features:
- You don’t have to pay any annual fees for Cash Magnet Card.
- Here you can earn up to $200 back on your every spend of $1,000 in the first 3 months of Card Membership.
- On all your purchases, you will get 1.5 % cashback.
American Express Blue Cash Preferred
The American Express Blue Cash Preferred is another best credit card offered by American Express. For this card, you have to pay for $95 per year.
The Blue Cash Preferred has a tiered earning structure:
- On US supermarkets 6% cashback.
- On selected US streaming services 6% cashback.
- You can earn 3% cash back on select US transit, parking, tolls, etc.
- On purchase of everything else, you can earn 1%.
Features:
- Annual fees for Blue Cash Preferred Card is $95. But it can vary on the market based prime rate.
- On spending $1,000 within the first 3 months of membership, you can earn $300 cashback.
- For the first 12 months, your APR intro is 0% on purchase and balance transfers.
American Blue Cash Everyday
The American Blue Cash Everyday is one of the best choices for those who don’t like to pay the annual fee of the Preferred version of the card. Like the Preferred, it has the following rewards structure:
- On US supermarkets, you can earn 3% cashback.
- You can earn 2% cash back on US gas stations and other selected US department stores.
- You will get up to 1% cashback on every purchase you make using this credit card.
Like the Preferred credit card, Everyday’s main selling point is on the grocery stores.
Features:
- You don’t need to pay any annual fees for the Blue Cash Everyday card.
- On every spending of $1,000 for the first 3 months, you can earn a $200 bonus.
- For the first 15 months on purchases and balance transfers, you can earn 0% intro APR.
Earning AMEX Cashback Rewards
AMEX Rewards Dollars is straightforward. On your every purchase of using your credit card, you can earn the Rewards Dollars. But the earning rate depends on which card you have used.
When you check your credit card statements, you can track how many Reward Dollars you have earned. You can also earn Rewards Dollars by referring friends. This promotion can vary on time. But often you can earn $50-$100 in bonus rewards.
How to Apply for the American Express Cashback Rewards Cards
It is very easy to apply for the American Express Cashback Rewards cards. You just need to follow some basic instructions to complete the application process. You may face a few problems for the first time. So, in that case, you can follow these mentioned steps below:
- First, you have to visit www.americanexpress.com/us/credit-cards.
- Then, you have click on the Cash Back option.
- There, under any credit card, you have to click on the Apply Now option.
- Then, enter the first and name on the provided fields.
- Enter the name on the card.
- Then, you need to enter an email ID in the next field.
- Then, enter your date of birth.
- You need to provide your phone number in the next field.
- Then, enter your home address.
- Then, tick the box, enter the social security number.
- Then, provide your total annual income.
- Then, you need to choose your income source.
- After that, you need to click on the Continue button for further steps.
How to Create an AMEX Credit Card Online Account
To access your American Express Credit details, you have to create the American Express Online Account. You just have to follow some basic instructions to create the American Express online account:
- First, you have to visit the official website of the American Express.
- Or, you can just click on this link www.americanexpress.com, for direct access to the page.
- On the right side of the homepage, you will see the login section.
- There, you have to click on the Create New Online Account.
- Then, provide your 15-digit card number and 4-digit card ID.
- After that, you have to click on the Confirm button.
How to Login at AMEX Credit Card Online Account
To login to your AMEX Credit Card account, you will require your user ID and password. By following these instructions, you can log in into your account:
- First, you have to visit the American Express website.
- Or, you can just click on this link www.americanexpress.com, for direct access to the page.
- On the right side of the page, you will see the login section.
- Make sure, Cards – Your Account option is selected.
- There, you have to enter your username and password on the provided fields.
- If you are using your personal device, then check the box, Remember Me option.
- After that, you have to click on the Log In button for further steps.
How to Reset User ID and Password
If you forgot your user ID and password, then you have to follow these instructions below to reset them:
- First, you have to visit the official website of the American Express.
- By clicking on this link www.americanexpress.com/, you will be redirected to the website.
- Then, enter the 4-digit card number and card account number on the provided fields.
- After that, you have to click on the Continue button for further steps.
How to Pay the American Express Credit Card Bill
To make your American Express Credit Card bill payment, you have to follow these instructions below:
- First, you have to visit this link www.americanexpress.com/.
- On the home page, you will see the login section on the right side.
- There, you have to provide your user id and password on the respected fields.
- After that, you have to click on the Log In button to enter the portal.
- After entering the portal, you can make the payment very easily.
Read Also…. How To Apply Menards Big card Online
Contact Info
You will get the contact number on the back of your ATM card. The customer service is available 24/7.
Conclusion
In short, AMEX offers a reward program for its customers. Here you will get a great chance to save a good amount of money in the long run.
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