This is my go to card for every day purchases at grocery stores, paying for gas at the pump, cell phone and cable bill. The cash back rewards add up quick and like the flexibility on how you can spend the rewards. You can take a statement credit or use to purchase gift cards and of course the online shopping catalog. I pay my balance each month. I applied for the card in 2013 with a FICO of 720 and was approved with a $5,000 limit. In 6 months, they raised my limit to $11,500 and after 2 years they raised it to where it currently sits at $17,100. The application process was easy and was approved in a matter of seconds after the online submit. As always, American Express has awesome customer service and I would definitely recommend this card.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0% for 12 Months
- Balance Transfer Regular APR 15.24% - 26.24%* Variable
- Annual Fee $95
- Purchase Intro APR 0% for 12 Months
- Purchase Regular APR 15.24% - 26.24%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
I don't carry a balance. Never have, never will. I use cards to keep a score and pay for things I can already afford, but want to shift the burden on my back account around for. That said, this cards highlight is it's cash back ability. I don't use it for groceries much but did use it for gas a bit. I always felt that the cash back rate was still slower than my Capital One Quicksilver One card. It was not at all worth the $150 annual fee. I downgraded to the Cash Magnet card which Amex did for me no questions asked. I've never had an issue with Amex service as it's excellent, their app is fantastic, and their general services such as rental insurance and foreign exchange services are top notch.
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Sample Size: 1,642
Data Created: February 02, 2015
Note: Sample data consists of Credit Karma members who hold this card.
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