| Rewards | 1.5 points earned for every $1 spent, every 2500 points accumulated earns $25 statement credit |
|---|---|
| Signup Bonus | $50 statement credit earned after first purchase, $100 statement credit after the first $500 in purchases (within first 3 billing cycles) |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 25.49% (APR is subject to change) |
| Cash Advance Fee | 5% or $15, whichever is greater |
| Late Payment Fee | Up to $37 |
| Purchases APR | 19.24% (APR is subject to change) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
I signed up for the first national bank American express card hoping for solid perks, but it's been underwhelming. The rewards are minimal, and I keep having to call customer service to clarify charges that should be obvious. It works fine for basic purchases, but for everything else especially compared to the other AmEx card it just feels lackluster and slow
Nice cashback options and smooth AmEx customer service. Would love a stronger signup bonus though.