Blue Cash® from American Express®

Earn up to 5% cash back on everyday purchases - even gas!

APR for Balance Transfers: As low as Fixed 4.99% (for Life of Balance)
Balance Transfer Fee: 3% (minimum $5; maximum $99)
Intro APR for Purchases: 0.00% (for Up to 12 Months)
Ongoing APR: As low as Prime + 3.99% (Currently 8.99%)
Annual Fee: None
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Cash Advance Fee: 3% (minimum $5)
Grace Period: 20 Days
Reward Program: Up to 5% Cash Back
Late Fee: $19-$38
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Issuer: American Express Co.

Fundamentals of the Card:

Earn up to 5% Cash Back with Unlimited Cash Rewards
It's never been this easy to earn 5% cash back. That's because we just improved Blue Cash. Now, whether you choose to carry a balance or not, you can earn up to 5% cash back. What's more, you can earn cash back even faster at the places you may frequent the most like supermarkets, gas stations and drugstores. There's no minimum so you can start earning cash back right away. ¹

Pay Your Bills with the Card and Get Cash Back
Pay your regular monthly bills automatically with Blue Cash and start earning cash back on everything from telephone and cable bills to parking and transportation expenses. Special payment features may not apply to all long distance calling plans. Not all providers service all markets.

Earn Cash Back Even Faster with an Additional Card
Additional Cards let you share virtually all the benefits and services of the Card with friends or family members. What's more, additional Cards can earn you up to 5% cash back. So go ahead and request your fee-free Additional Cards when you activate this one. Additional Cards can be issued to qualified individuals over the age of 18.

Transfer Balances
Transfer balances from your higher-rate MasterCard®, Discover®, and Visa®, cards to your American Express®, Card account! Then enjoy the low APR: Fixed rate of 4.99% for life of balance (until the balance is completely paid off), on Balance Transfer requests submitted with this application (transition fees apply)²

Your Year End Summary: Now Available Online
Your new Online Year End Summary of Charges gives you access to important information 24 hours a day, seven days a week. Flexible features make organizing your expenses a snap — download the Summary and print it out; sort by date, merchant name, or charge amount; review charges made within a category, such as Travel and Restaurant. Your Year End Summary is an indispensable tool for preparing taxes and budgeting. You may also receive a paper Year End Summary in the mail by calling the number on the back of your Card.

Dedicated Customer Service
American Express is here to help you around the clock, with the kind of Customer Service that keeps Cardmembers loyal for a lifetime. For immediate service, call the phone number on the back of your Card.

Access Your Account Online
You can view up to date billing information online, including transactions, charges, and payments.

USE EXPRESSPAY FOR A SMOOTH RIDE AT THE REGISTER
Checking out is a breeze with Blue Cash's built—in ExpressPay feature, a payment technology that lets you make purchases without having to swipe your Blue Cash from American Express Card. Whether you're picking up a cup of coffee or a pack of gum, just hold Blue up to the reader right by the register...and you're off. There's no slip to sign and you'll still get a receipt if you'd like. Already used at thousands of buy every day.

Shopping with the Card

Your charges are covered by American Express' Fraud Protection Guarantee.
Use the American Express® Card online or off, and you won't be held responsible for any unauthorized charges. Period. No fine print, no deductible — just pure protection, so you can shop with confidence.

Return Protection
If you try to return a designated item within 90 days from the date of purchase and the merchant won't take it back, American Express® will refund the full purchase price, up to $300 per item, excluding shipping and handling and up to a maximum of $1,000 annually per Card account. ³

Buyer's Assurance
With the Buyer's Assurance Plan, you can shop worry-free knowing that the terms of the original manufacturer's warranty will be matched up to one additional year, on warranties of five years or less that are eligible in the U.S. ⁴

Purchase Protection Plan
Shop with confidence and the Purchase Protection Plan, which protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase. ⁵

Traveling with the Card

Car Rental Loss and Damage Insurance
Relax and enjoy the ride when you use your eligible Card to reserve and pay for an auto rental! The Car Rental Loss and Damage Insurance Plan provides coverage for theft of or damage to most rental vehicles. Simply decline the collision damage waiver (CDW) or similar option offered by the Commercial Car Rental Company. This coverage is excess to your other sources of insurance. Coverage applies for the first 30 days of an auto rental if rented from a Car Rental Company. Just call 1-800-338-1670 for more information and eligibility requirements. ⁶

Emergency Card Replacement
Enjoy the security and convenience of access to Emergency Card Replacement services by calling 800-964-8542.

Global Assist® Hotline
Whenever you travel more than 100 miles from home, you have security and peace of mind 24/7 with medical, legal, financial or other emergency assistance, including medical and legal referrals, visa/passport help, cash access, lost luggage and more. ⁷

Travel Accident Insurance
Travel Accident Insurance provides coverage for up to $100,000 in accidental death and dismemberment insurance while traveling on a Common Carrier Conveyance (plane, train, ship, helicopter or bus) when the entire fare has been charged to the Card. ⁸

Assured Reservations
Use your Blue Cash to book your hotel rooms, and we'll guarantee your room until check—out time the following day.

Please view the Card Terms & Conditions for more information.

¹ Your Rebate is awarded annually for each Rebate Year (12 consecutive billing periods). Rebate percentages for each Rebate Year are as follows:

Year to Date Purchases	Cash Back on Everyday Purchases*	Cash Back on All Other Purchases
$0-$6,500	1.0%	0.5%
$6,500.01 or more	5.0%	1.5%

* Everyday Purchases" are Eligible Purchases made at U.S. supermarkets, gas stations and drugstores, in each case that are not departments of superstores or warehouse clubs. "Eligible Purchases" are charges to your account for goods or services that have not been returned or otherwise credited to your account. Eligible Purchases do not include Finance Charges, fees, Cash Advances or other means of accessing your account, convenience checks, Balance Transfers, or the purchase of American Express® Travelers Cheques and American Express® Gift Cheques or other cash equivalents. Additional terms and conditions apply.

² For every balance transfer transaction or convenience check transaction you make in response to this offer, you will be charged a transaction fee equal to 3% of the transaction, with a minimum of $5 and a maximum of $99 (no maximum for checks considered Cash Advances). These fees are Finance Charges.

³ Coverage is limited to $300 per item, excluding shipping and handling and up to a maximum of $1,000 annually per Card Account and is subject to additional Terms, Conditions and Exclusions.

⁴ Buyer's Assurance Plan is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the terms, conditions, and exclusions of Policy AX0953 and is subject to change with notice. This document does not supplement or replace the Policy.

⁵ Purchase Protection Plan is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the terms, conditions, and exclusions of Policy AX0951 and is subject to change with notice. This document does not supplement or replace the Policy.

⁶ Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AXO925 and is subject to change with notice. This document does not supplement or replace the Policy.

⁷ While the many Global Assist Hotline coordination and assistance services are free benefits from American Express, Cardmembers are responsible for the costs charged by third-party service providers.

⁸ Travel Accident Insurance is underwritten by AMEX Assurance Company, Administrative Office, De Pere, WI. Coverage is determined by the terms, conditions and exclusions of Policy AX0948 and is subject to change with notice. This document does not supplement or replace the Policy.

See web site for complete terms & conditions