If you’re looking for a super low-interest credit card, American Express Blue might be able to help. American Express is one of the top financial services firms in the UK. The company has a long legacy of innovative financial products and credibility.
Amongst American Express’s most popular financial products is its ‘Blue Cash Credit Card’. This well-tailored product from American Express is a perfect amalgamation of secure and reliable cash with great flexibility and rewards.
Before you apply for a card, remember to have your financial goals in order. If you know why you are applying for a card, you’ll be able to find the right one for your needs. Our editors have looked into American Express Blue and the details are next.
What is the American Express Blue Cash Credit Card?
Blue cash credit card from American Express is a layered yet easy-to-use credit card with a lot of features and benefits. Whether you are struggling to meet the month’s expenses or are planning for a big-ticket purchase, you can use this card to get quick cash.
What else? Applying for this card does not take a lot of effort, and the interest rates and fees associated with it are also absolutely reasonable.
American Express Blue Fees & Interest Rate
The American Express Blue Cash Credit Card offers one of the lowest interest rates on the credit taken. To begin with, the bank charges you 0%. Absolutely no APR for a period of 15 months! This is an intro offer, and your 15 months of no interest rate start from the date of account opening.
During this period, you can make purchases and balance transfers without paying any interest on it. Thereafter, a variable APR of 12.99% to 23.99% is charged depending upon the amount and nature of the purchase.
Special Features Of The Card
No Annual Fee
For the Blue Cash Credit Card customers, the bank has completely waived off the annual fee. This has further brought down the expenses associated with using a credit card to the bare minimum.
Rewards & Offers
American Express has also put together a string of impressive offers and rewards for the Blue Cash Credit Card users. These include significant amounts of cash back on eligible purchases.
You also get special discounts at major supermarkets and food chains, festive offers, discounts on bookings & insurance, and much more.
Flexibility in Payment
Flexibility in repayment of credit is always an important consideration while purchasing a credit card. The American Express Blue Cash Credit Card offers great flexibility wherein you can make your interest payments in full or carry them forward monthly.
This helps you plan your monthly expenses in a better way, and adjust the interest payments accordingly.
Accelerated Cashback
The American Express Blue Cash Credit Card also offers its customers an opportunity to accelerate and enhance the normal cashback. This can be done by adding additional cards for your family and friends.
You receive cashback for all the purchases made through these cards.
The ‘Plan it’ Feature
This feature offered on the Blue cash Credit Cards allows the users to plan their credits in a better way by adjusting the repayment period and hence the rate per month.
It’s a technology-enabled feature that can save you a lot of hassle and bring transparency to the entire process of managing your credit.
How to apply for the American Express Blue Cash Credit Card?
Applying for the Blue Cash Credit Card by American Express is a simple process that can be completed in a few quick steps.
- Visit the American Express website and browse to the ‘Blue Cash Credit card’ under the Credit card option.
- Review the various features, details as well as terms & conditions associated with the credit card. And, click on the ‘Apply Now’ button to start the process of applying for the card.
- Enter a few quick details like your name, contact details, and annual income range to submit your application.
- You can get a decision on the acceptance of your application in as little as 30 seconds.
Disclaimer
The above information has been extracted from and is in alignment with the official information available on American Express’s official website. Please note that there are risks involved when applying for and using credit.
Consult the bank’s terms and conditions page for more information.