Blue Money Most popular® Card from American Specific overview
The Blue Money Most popular® Card from American Specific is a profitable cash-back card for a number of spending classes. If money again is up your alley — and choose U.S. streaming, U.S. supermarkets, transit and U.S. fuel station classes align along with your spending habits — then you may’t go incorrect with the Blue Money Most popular. Card Ranking*: ⭐⭐⭐⭐
*Card Ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
There are execs and cons to selecting a cash-back card over a journey rewards card. Nevertheless, the Blue Money Most popular could possibly be nice for rare vacationers and people trying to spend their rewards in different methods.
The distinctive and high-value bonus classes set this card other than a less complicated choice, such because the Citi® Double Money Card, although it is price noting that reward redemption choices are fewer with the Blue Money Most popular. The Blue Money Most popular is for discerning prospects on the lookout for a rewards bank card to maximise their returns in particular bonus classes.
Let’s check out the ins and outs of this card that can assist you resolve if it’s best for you.
Amex Blue Money Most popular welcome bonus
Money-back bank cards not often supply strong bonuses like journey rewards playing cards do, however the Blue Money Most popular has a top quality welcome supply proper now: $250 money again (as a press release credit score) after you spend $3,000 on purchases within the first six months of cardmembership. That is an 8.33% return on spending.
Moreover, new candidates can benefit from a 0% introductory APR on purchases and stability transfers for the primary 12 months of cardmembership. After that, a variable APR of 18.24%-29.24% will apply.
Incomes money again on the Amex Blue Money Most popular
The standout characteristic of the Blue Money Most popular is its numerous cash-back bonus classes:
Money again is obtained as Reward {Dollars} that may be redeemed for assertion credit.
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Whereas the Blue Money Most popular shouldn’t be the primary card to supply bonus earnings on streaming subscriptions, its charge of 6% money again is by far the trade chief. The Blue Money Most popular is also a rewarding card at each the grocery store and fuel pump, incomes 6% money again and three% money again, respectively.
Except for the U.S. supermarkets class, the opposite incomes classes haven’t got annual caps on how a lot you may earn. These are sturdy incomes charges for anybody with common spending in these classes.
Redeeming rewards on the Amex Blue Money Most popular
Whereas cash-back playing cards will not unlock the doorways to $10,000 first-class airplane suites, there’s additionally no stress to avoid wasting up for a selected reward. Plus, the Blue Money Most popular has no minimal redemption quantity.
You might have three redemption choices:
- Obtain a press release credit score.
- Redeem for present playing cards.
- Store along with your rewards.
Whereas a number of choices exist, receiving a press release credit score is probably going your only option. That is as a result of you should buy present playing cards at most supermarkets. Moderately than utilizing your factors for these purchases, you may pay for them along with your Blue Money Most popular and earn much more money again.
Associated: What bank cards must you use to buy present playing cards?
Amex Blue Money Most popular advantages
As a low-annual-fee card, you will not discover luxurious perks on the Blue Money Most popular; nevertheless, it does have high quality options which can be price mentioning.
You possibly can obtain $7 again every month (as much as $84 again yearly) after spending $12.99 or extra on an eligible subscription to The Disney Bundle — which incorporates Disney+, Hulu, and ESPN+ — utilizing your card. One other month-to-month credit score supplies as much as $10 (for as much as $120 yearly) again while you use your Blue Money Most popular Card to pay for Equinox+ at . Be aware that enrollment is required prematurely for some advantages.
You may additionally get pleasure from a number of journey and purchasing protections with the Blue Money Most popular. You possibly can get pleasure from secondary rental automobile insurance coverage when paying for the rental along with your card — as much as $50,000 of safety in opposition to theft or injury.*
The International Help Hotline supplies medical, authorized, monetary and different emergency companies coordination 24 hours a day, 7 days every week while you’re touring greater than 100 miles from residence. This service supplies coordination solely, nevertheless; you may be accountable for the prices of any third-party companies you utilize.**
For purchases made along with your card, you may get pleasure from an additional yr on high of producers’ warranties of 5 years or much less, due to prolonged guarantee safety. This protection is restricted to the quantity paid for along with your card — as much as $10,000 and an annual restrict of $50,000.^
You can also get pleasure from return safety, which covers objects bought within the final 90 days for which the service provider will not settle for a return. You may be refunded for the complete buy value (excluding transport and dealing with prices) — as much as $300 per merchandise and as much as $1,000 per yr. This is applicable solely to purchases within the U.S. or U.S. territories, nevertheless.
Buy safety is one other card profit, which covers objects bought along with your card within the final 90 days however which can be broken, stolen or misplaced. You may be lined for as much as $1,000 per declare and as much as $50,000 per yr.^
*Eligibility and profit degree varies by card. Not all car varieties or leases are lined, and geographic restrictions apply. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm. Protection is obtainable by American Specific Journey Associated Providers Firm, Inc.
**Eligibility and profit degree varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Cardmembers are accountable for the prices charged by third-party service suppliers.
#Eligibility and profit ranges fluctuate by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars.
^Eligibility and profit ranges fluctuate by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
Different cardmember advantages embrace “Plan It,” which lets you choose purchases of $100 or extra to separate up into month-to-month funds with a hard and fast charge, and entry to worthwhile Amex Gives.
Associated: Your full information to purchasing protections on American Specific playing cards
Which playing cards compete with the Amex Blue Money Most popular?
The principle alternate options to this card are different money again playing cards that earn bonus factors on groceries and fuel, with no or a low annual charge.
- If you’d like related advantages with no annual charge: The Blue Money On a regular basis® Card from American Specific has no annual charge (see charges and charges) and earns 3% again at U.S. supermarkets, U.S. on-line retail purchases and U.S. fuel stations — although there is a restrict of $6,000 in purchases per class. After that, you may earn 1% again. The cardboard additionally supplies the identical Disney Bundle profit because the Blue Money Most popular card.
- If you’d like Amex factors as an alternative of money again: The Amex EveryDay® Most popular Credit score Card has an annual charge of $95 (see ) and earns Membership Rewards factors as an alternative of money again. TPG values these factors at 2 cents every, and you will earn 3 factors per greenback at U.S. supermarkets (as much as $6,000 of purchases per yr, then 1 level per greenback), 2 factors per greenback at U.S. fuel stations and 1 level per greenback on different purchases. Nevertheless, should you make 30 or extra transactions in a billing cycle, you may get a 50% increase in your earnings.
- If you’d like rewards with extra makes use of: The Citi® Double Money Card earns 2 Citi ThankYou factors per greenback — 1 level while you purchase and one other 1 level while you pay your invoice — on all purchases. Along with redeeming your earnings for money again (at a price of 1 cent per level), you can also switch your factors to a number of journey applications to unlock higher-value redemptions.
- If you’d like increased incomes charges on fuel: Should you’re on the lookout for money again, low charges and the next incomes charge on the pump, think about the Costco Wherever Visa® Card by Citi. You may earn 4% again on fuel — anyplace, not simply Costco fuel stations — in your first $7,000 in gasoline purchases per yr, then 1% thereafter. There is not any annual charge on this card, however you do want a paid Costco membership (which begins at $60 per yr).
For extra choices, please take a look at our full checklist of playing cards that earn bonus factors at supermarkets and fuel stations.
Learn extra: Full information to bank card annual charges
The data for the Amex EveryDay Most popular Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Is the Amex Blue Money Most popular price it?
Should you aren’t a frequent traveler and need flexibility in the right way to spend your rewards, the Blue Money Most popular is likely to be match for you. That is very true if you wish to earn money again on groceries, streaming companies, transit and fuel purchases. An additional sweetener is the Disney assertion credit.
Associated: Why the Amex Blue Money Most popular is likely to be one of the best cash-back card proper now
Backside line
With the attractive bonus classes and a strong welcome supply, many preferring cash-back playing cards could have no drawback justifying the annual charge after the primary yr on the Blue Money Most popular.
This card is finest for many who spend on groceries and streaming companies in addition to transit and fuel. Disney followers can also discover worth on this card, resulting from month-to-month credit for Disney bundle subscriptions.
Apply now: Earn $250 again (within the type of a press release credit score) after you spend $3,000 in purchases inside the first six months of card membership with the Blue Money Most popular.
Further reporting by Ryan Wilcox, Chris Dong and Ryan Smith.
For charges and charges of the Blue Money Most popular card, click on right here.
For charges and charges of the Blue Money On a regular basis card, click on right here.
For charges and charges of the EveryDay Most popular card, click on .