The Blue Money Most popular® Card from American Categorical is without doubt one of the most stable earners within the mid-tier cash-back card bucket.
With a $0 introductory annual price (then $95 yearly thereafter; see charges and charges), you will take pleasure in perks like month-to-month assertion credit towards Disney+ purchases after you enroll, plus stable incomes charges.
However is it price paying $95 to maintain it annually? Let’s dive in to search out out.
Welcome provide
Proper now, the Blue Money Most popular is providing $250 money again (by way of assertion credit score) after you spend $3,000 on eligible purchases throughout the first six months of card membership; reaching this welcome provide equates to $500 a month in purchases.
And that is earlier than you issue within the card’s different advantages.
Incomes charges
The Blue Money Most popular presents the next worthwhile incomes charges:
- 6% money again on choose U.S. streaming subscriptions
- 6% money again at U.S. supermarkets (on as much as $6,000 per calendar yr, then 1%)
- 3% money again on transit (parking, tolls, ride-hailing apps, subway, and so forth.)
- 3% money again at U.S. fuel stations
- 1% money again in all places else
Money again is acquired within the type of Reward {Dollars} that may be redeemed as an announcement credit score or at Amazon.com checkout.
Placing apart the welcome provide, it is possible that the 6% money again at U.S. supermarkets alone would make up for many of the Blue Money Most popular’s annual price. For instance, spending $50 weekly at U.S. supermarkets would internet you $156 in money again yearly.
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In actual fact, TPG bank cards editor Daisy Hernandez will get wonderful worth from her Blue Money Most popular card — over $400 in money again yearly for the previous decade that she’s had it.
Disney Bundle credit score
With the Blue Money Most popular, you may enroll to obtain a $7 month-to-month assertion credit score (as much as $84 again yearly) after spending $9.99 or extra on an eligible subscription to The Disney Bundle — which incorporates Disney+, Hulu and ESPN+ — utilizing your card (legitimate solely at disneyplus.com, hulu.com or plus.espn.com within the U.S; topic to auto-renewal).
If you happen to’re already spending cash on these companies, switching to paying along with your Blue Money Most popular needs to be simple, and you may obtain a pleasant low cost.
Different advantages
The Blue Money Most popular additionally presents a number of journey and procuring protections.
You may take pleasure in secondary rental automotive insurance coverage when paying for the rental along with your card, as much as $50,000 of safety towards theft or harm.*
The World Help Hotline presents medical, authorized, monetary and different emergency companies coordination 24 hours a day, seven days every week when touring greater than 100 miles from dwelling. This service offers coordination solely, nonetheless, and you will be chargeable for the prices of any third-party companies you utilize.**
For purchases made along with your card, you may take pleasure in an additional yr on prime of producers’ warranties of 5 years or much less, because of prolonged guarantee safety. This protection is proscribed to the quantity paid for along with your card — as much as $10,000 and an annual restrict of $50,000.^
You can also take pleasure in return safety, which covers objects bought within the final 90 days for which the service provider will not settle for a return. You could be refunded for the total buy value (excluding transport and dealing with prices) — as much as $300 per merchandise and as much as $1,000 per yr. This is applicable solely to purchases within the U.S. or U.S. territories, nonetheless.
Buy safety is one other card profit that covers objects bought along with your card within the final 90 days however which are broken, stolen or misplaced. You could be coated for as much as $1,000 per declare and as much as $50,000 per yr.^
*Eligibility and profit stage varies by card. Not all automobile sorts or leases are coated, and geographic restrictions apply. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm. Protection is obtainable by means of American Categorical Journey Associated Companies Firm, Inc.
**Eligibility and profit stage varies by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Cardmembers are chargeable for the prices charged by third-party service suppliers.
^Eligibility and profit ranges differ by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
Backside line
Between the assertion credit, worthwhile earnings charges and useful procuring and journey protections, most customers can extract loads of worth from the Blue Money Most popular. And that is earlier than factoring within the welcome provide and $0 introductory annual price. There is a motive we expect it is among the finest cash-back playing cards in the marketplace.
To study extra concerning the card, learn our full evaluation of the Blue Money Most popular.
Apply right here: Blue Money Most popular Card from American Categorical
For charges and charges of the Blue Money Most popular, click on right here.
