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The Blue Money Most well-liked® Card from American Specific has been top-of-the-line money again bank cards for a very long time. Providing large money again rewards on groceries, fuel, and streaming companies, it isn’t onerous to see why.
Incomes 6% money again on the primary $6,000 in annual U.S. grocery store purchases isn’t the one factor to love. This card additionally earns 6% money again on choose U.S. streaming subscriptions, 3% money again at U.S. fuel stations, 3% money again on transit prices (like rideshare apps, trains, taxis, and extra), and a limiteless 1% money again on all the things else. Remember, money again is issued in “Rewards {Dollars}” which will be redeemed as assertion credit. Phrases apply.
The Amex Blue Money Most well-liked Card’s welcome supply could also be tougher to earn than welcome presents on different money again bank cards, however it’s nonetheless fairly good. You’ll earn a pleasant $350 assertion credit score after making $3,000 in purchases throughout the first 6 months you will have the cardboard.
Wish to know extra? Let’s dive in and see if that is the proper money again card for you!
Amex Blue Money Most well-liked Card Highlights
When you love incomes money again, you’re going to like this card. Right here’s why:
- Welcome Provide: Earn $350 in assertion credit after spending $3,000 within the first 6 months you will have the cardboard.
- 6% money again at U.S. supermarkets on first $6,000 you spend yearly (then earn 1% money again)
- 6% money again on choose U.S. streaming subscriptions
- 3% money again at U.S. fuel stations
- 3% money again on transit (contains rideshare, taxis, parking, tolls, trains, buses, and extra)
- 1% money again on all different purchases
- Money again will be redeemed as a press release credit score
- 0% APR on purchases and stability transfers for 12 months after account opening, 16.24% – 27.24% variable APR after that (See charges and costs)
- Phrases apply
- Annual Charge: $95 (See charges and costs)
- Discover ways to apply right here
The place It Shines
The Amex Blue Money Most well-liked Card is definitely one of many prime money again bank cards in the marketplace. Providing large money again bonuses on spending in sure classes, together with groceries and fuel, makes this a card almost everyone ought to take into account.
The cardboard’s largest draw is the 6% money again it earns at U.S. supermarkets. That’s large, and it’s the largest share of money again provided on grocery spending by any card that we advocate.
After all, the 6% money again incomes price is capped on the first $6,000 you spend yearly. Nevertheless, which means the bonus tops out at $360 a 12 months – however you may nonetheless earn 1% money again in your spending above the $6,000 annual restrict.
Moreover, the Amex Blue Money Most well-liked earns 6% money again on choose U.S. streaming companies like Netflix, Hulu, Disney+, and lots of extra. Purchases at U.S. fuel stations earn 3% money again whereas sure transit bills (like rideshare, taxi, parking, and prepare bills) additionally earn 3% money again. All different purchases earn 1% money again.
Somewhat than getting a test within the mail, the money again you earn is obtained as Rewards {Dollars}. These rewards are added to your account, and you may redeem them as assertion credit.
The Blue Money Most well-liked Card additionally doubles as a good stability switch and 0% APR card. You’ll benefit from the introductory 0% APR on purchases and stability transfers for the primary 12 months you will have the cardboard. After that, the speed adjusts to a 16.24% – 27.24% variable APR.
This card’s annual payment can be simply $95, so it received’t price you a lot to strive it out.
Phrases apply.
Issues You May Not Like Concerning the Card
There isn’t a lot to dislike concerning the Amex Blue Money Most well-liked. Nonetheless, no card is ideal for everyone.
One of many card’s largest drawbacks can be one among its highlights – the welcome bonus. New cardmembers can earn a pleasant $350 welcome bonus, however it comes with a catch. To earn the bonus, members should spend $3,000 within the first six months their account is open. Yikes.
That sort of minimal spending requirement is typical for the highest journey rewards playing cards (just like the Platinum Card® from American Specific), however it’s significantly greater than most money again playing cards. Moreover, journey rewards playing cards normally supply a bigger bonus for assembly these massive minimal spending necessities. So, though the Blue Money Most well-liked’s welcome bonus is barely greater than many money again playing cards, it additionally prices significantly extra to earn.
Moreover, at $95 per 12 months, the annual payment on the Amex Blue Money Most well-liked is greater than a lot of its opponents.
Lots of the prime money again playing cards by no means cost an annual payment, in order that they price nothing to hold. With that mentioned, most don’t supply the amount of money again provided by the Blue Money Most well-liked both – particularly at supermarkets and fuel stations – so it’s a commerce off.
Phrases apply.
Who Ought to Think about the Blue Money Most well-liked
- Grocery customers – When you spend some huge cash at U.S. supermarkets, the Amex Blue Money Most well-liked could also be an ideal card for you.
- Commuters – Those that commute to work can get a whole lot of profit out of this card. You’ll earn 3% money again on purchases at U.S. fuel stations and on transit prices like parking, rideshare prices, trains, taxis, buses, and extra. Phrases apply.
- Heavy streamers – The Amex Blue Money Most well-liked is a good card for many who stream a whole lot of TV, motion pictures, and music. It earns 3% money again on dozens of choose U.S. streaming subscriptions like Netflix, Prime Video, Hulu, and lots of extra. Phrases apply.
>> Amex Blue Money Most well-liked: Be taught How you can Apply
Who Ought to Keep away from This Card
- Heavy vacationers – The Amex Blue Money Most well-liked is a superb money again card, however it doesn’t present a lot in the way in which of journey advantages. When you like to journey, discover a good journey rewards card as an alternative.
- Charge averse – The annual payment on the Blue Money Most well-liked is simply $95. With that mentioned, there are many good money again playing cards that don’t cost an annual payment.
Options to the Amex Blue Money Most well-liked
Chase Freedom FlexSM
When you’re on the lookout for an alternative choice to the Amex Blue Money Most well-liked card, look no additional than the Chase Freedom FlexSM.
The Chase Freedom Flex presents 5% money again on the primary $1,500 of mixed spending in classes that rotate every quarter. Previously, rotating classes have included issues like grocery shops, fuel stations, and streaming companies.
Moreover, you’ll earn a limiteless 5% money again on journey booked by Chase, 3% money again at eating places and drugstores, and 1% money again on different purchases.
Final however not least, this card presents a $200 welcome bonus once you spend simply $500 throughout the first 3 months you will have the cardboard. There isn’t a annual payment.
Discover ways to apply | Learn the complete overview
Capital One Quicksilver Money Rewards Credit score Card
The Capital One Quicksilver Money Rewards Credit score Card is one other strong various to the Amex Blue Money Most well-liked. This card let’s you keep away from the trouble of bonus classes and as an alternative presents a flat 1.5% money again on all purchases.
With the Capital One Quicksilver, you may as well earn a $200 welcome bonus for spending $500 throughout the first 3 months you will have the cardboard. You’ll additionally get pleasure from an introductory 0% APR on purchases and stability transfers for the primary 15 months after opening the account (16.49%-26.49% variable APR plus a 3% payment on quantities transferred throughout first 15 months after that).
Discover ways to apply | Learn the complete overview
Amex Blue Money Most well-liked Overview: Remaining Ideas
The Amex Blue Money Most well-liked Card is a superb money again bank card that deserves your consideration.
Incomes 6% money again at U.S. supermarkets is implausible, even with the bonus money again being capped at $6,000 in annual spending. The three% money again at U.S. fuel stations and on choose transit prices makes it an ideal card for many who commute, whereas the 6% money again on streaming companies and the welcome bonus are additionally good perks.
Bear in mind, money again will be redeemed for assertion credit score and phrases apply.
Discover ways to apply right here >>
To see charges and costs for the American Specific playing cards featured, please use the next hyperlinks: Blue Money Most well-liked Card from American Specific: See Charges and Charges; Platinum Card from American Specific: See Charges and Charges.
Amex Blue Money Most well-liked Overview
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Welcome Provide
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Money Again Worth
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Earnings Price
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Card Flexibility
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Obtainable Classes
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Annual Charge
Amex Blue Money Most well-liked Abstract
The Amex Blue Money Most well-liked Card is a superb money again bank card that deserves your consideration. With large bonus money again rewards on objects like groceries, fuel, and streaming companies, this card is a good match for nearly any shopper. Discover ways to apply right here.
