Cash Back Credit Card

• Simple 2-tiered cash rebate structure
Your cash reward for a purchase is based upon your prior spend at the time of purchase and the type of purchase as follow:

Year to Date Purchases	Cash rebate on Everyday Purchases	Cash rebate on All Other Purchases
$0 to $6,500	1%	0.5%
$6,500 to $50,000	5%	1.5%

Everyday purchases are purchases made at U.S. supermarkets, gas stations and drug stores that are not departments of superstores or warehouse clubs.

• Earn more rebates with the 1.5% cash rebate tier
As shown in the table above, once your year-to-date purchases exceeds $6500, you would begin to earn 1.5% cash rebate. That's 50% more than traditional flat 1% cash rebate cards. This means if credit card spending is greater than $13,000 a year, the Blue Cash® from American Express card can earn you significantly more cash rebate. Take a look the comparison table below:

Total purchases in a year	Total cash rebate w/ a flat 1% cash rebate card	Total cash rebate w/ American Express Blue Cash
$13,000	$130	$130 (no difference)
$26,000	$260	$325 (25% greater)
$39,000	$390	$520 (33% greater)
$50,000	$500	$685 (37% greater)

As you can see from the table, if your annual credit card spending is $26,000, you would earn 25% more in cash rebate. This card is most likely the best cash rebate card for you if your annual spending is high.

• Earn cash rebate on up to $50,000 of purchases
Most cash rebate credit cards would cap the cash rebate rewards to $300. As you can see from the table above, this card's cash rewards cap is significantly higher. That's why if your annual spending is high, this card is most likely your best deal.

• Earn 5% cash rebate on everyday purchases too!
This card also let you earn 5% cash rebate on purchases made at U.S. supermarkets, gas stations and drug stores, but only when your total year-to-date purchases exceeds $6500. The 1.5% cash rebate tier is the most attractive feature for this card. To get the best of both worlds, you should consider applying the Chase Cash Plus Rewards Visa card in addition to this card. The chase card offers 5% cash rebate at grocery stores, gas stations and drug stores with no tiered cash rebate structure. It also doesn't have an annual fee.

• Get Return Protection when you shop with the card
American Express goes beyond the traditional shopping related benefits such as warranty extension, and protection from accidental damage and theft. This card also features Return Protection coverage -- 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.

• No annual fee and 0% Intro. APR on purchases for 6 month
The features this card offers is enough to make it one of the top cash rebate credit card. As an added incentive, you can make purchases with this card for 6 months and pay no interest.

The Bottom Line
"The Blue Cash® from American Express card offers a tier where you can earn 1.5% to 5% cash rebate. It let you earn cash rebate on purchases up to $50,000 in each calendar year. If your annual spending is high, this card would the best deal for a cash rebate credit card -- it could earn significantly more cash rebate than other cards."