| Rewards | 3% cash back on the first $6,000 per year in gas station purchases 2% cash back at supermarkets (uncapped) 1% cash back on all other eligible purchases |
|---|---|
| Signup Bonus | $25 cash back after your first purchase |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | About ~25%+ (variable, based on Prime Rate + margin). |
| Cash Advance Fee | Either 4% of each advance, or $10 minimum, whichever is greater. |
| Late Payment Fee | Up to $40. |
| Purchases APR | 16.24%–25.24% after any introductory period, depending on your creditworthiness. |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Comerica Cash Rewards American Express Credit Card stands out for its tiered cash-back rewards and no annual fee. It offers 3% back on gas (up to $6,000 per year), 2% at supermarkets, and 1% on everything else, making it appealing for everyday spending. The signup bonus is modest, just $25 after your first purchase, so it’s not really designed for big intro perks.
Most users say they like the clear rewards structure and the fact that it has no annual fee. Many reviewers mentioned that the card works well for families or commuters who spend on groceries and gas, and they appreciate the straightforward redemption options through Comerica or the card portal.
On the downside, cardholders often point out that the rewards are capped in some categories and that 1% back on everything else feels low compared to competitors. Many reviewers mentioned that the signup bonus is underwhelming and that the American Express acceptance network can be limiting in certain areas.
Personally, I think this card makes the most sense for people who already bank with Comerica or want a simple cash-back card for gas and groceries without paying an annual fee. If you’re chasing big bonuses or higher rewards rates, there are better options, but for steady, no-hassle cash back, it gets the job done.
RATE THIS CREDIT CARD
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A
Decent cash, but not outstanding
I've used this for several months the cash back rewards are okay, and it works fine for groceries and everyday purchases. That said, the cash back rate isn't especially generous compared with some other cards, and customer service has been so- so when I called with a billing question. It's a workable, but now a standout
