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The American Express Blue Cash credit card allows card holders to earn cash back, determined by the amount the card holder spends each year. You can earn many different amounts in rebates depending on where you make your purchases as well as how much you spend.

For general purchases you can earn up 1.5% in cash rebates and for every day purchases you can earn even more with a 5% cash rebate. This is great for people who like to use their credit cards everyday to build up a good standing credit history. These people will be earning cash rebates easily and quickly.

It is important for anyone applying for an American Express card to note that no matter what type of rewards plan the card offers it always comes with the standard benefits and feature that every American Express card does. Including:

• Buyers Assurance Plan

• Purchase Protection Plan

• Up to $100,000 in travel accident insurance

These are features that come standard with any American Express card and that every American Express user appreciates when it comes time to take advantage of them. The American Express Blue Cash card charges no annual fees and has reasonably low interest rates when compared to the many other reward cards in circulation today. For your first six months your interest rates for purchases is 0%! This is something every credit card owner likes to hear. Remember to keep track of the six months because the interest rates will shoot back up to their original standings and may surprise you if you are not paying attention.

After reviewing the benefits and disadvantages of this credit card, you can see that there are more benefits than there are disadvantages. You receive great cash rebates, American Express standard benefits and low interest rates for the first six months. Of course the interest rates will rise after the completion of these six months but remember that you do not pay an annual fee so this makes up for the interest rates.