Blue American Express: the queen card of cashback
American Express Blue Card is one of the most well-known and popular credit cards in the world. Low costs and large [...]
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American Express Blue Card Is one of the most well-known and popular credit cards in the world. Low costs and great benefits offered to holders. To obtain it the requirements are minimal And affordable.
In this article:
From the absence of costs over the first year of use to the cashback, there are a variety of reasons to opt for this credit card, especially if it is the first one ever owned. And in 2020, an unmissable promotion is also added to the list of numerous benefits.
The offer of the moment
This is the right time to choose this paper because. Offers an "extra welcome cashback". To all new starters is recognized the 5% of cashback on the first €3,000 spent with card, then the 1% each year. Plus, If you participate in the state cashback, you can get an additional 10% of reimbursement.
American Express Blue Card: benefits
The main advantage of this credit card is the function cashback. This means that a very small part of the expenses made by taking advantage of Blu American Express is reimbursed. This is, specifically, the1% of the amount spent, which will be transferred to one's account once every 12 months, starting from the date the card was issued. There are two requirements to obtain this benefit:
- Valid credit card
- Payments in good standing
Customers are offered the following two options for payment of the balance. You can decide to make the payment in a lump sum or in installments, depending on your needs. In the second case, you are allowed to indicate an amount, but it should not be less than 6% of the balance and, at the same time, not below a minimum amount: 40 euro.
The line of credit offered is customizable and can reach a ceiling of 5,000 euros. Every customer in possession of Amex Blu is entitled to an exclusive travel accident insurance policy. This is totally free coverage, providing protection in case of accidents occurring in Italy and abroad.
There is also a anti-fraud protection. In the event of third-party misuse, theft, or loss, American Express runs to the rescue of its customers by blocking the card, guaranteeing a replacement, and offering protections of various kinds, as appropriate.
Opting for Blue Amex means feeling safe at all times, whether shopping in physical stores or online. In fact, a refund program is provided that guarantees the return of the sum paid for a product purchased That does not meet expectations. This becomes critical in case the seller does not accept returns or replacements.
You will also have access to advance purchase of tickets for important concerts, thanks to the service American Express Experiences presales. The annual cost of the card also includes membership in the Club Membership Rewards, which gives you access to numerous rewards. Shopping with your Blue Amex means accumulating points, which you can turn into trips, experiences to enjoy, vouchers and gifts of various kinds by consulting the appropriate catalog.
American Express Blue Card: the costs
The application process for Blue Amex is very simple. No payment is required for the first year. The fee is free for twelve months, and from the thirteenth, the fee is 35 euros annually.
As pointed out, the system provides flexibility in payments due, with TAN at 14% and APR at 23.69%. There is a promotion related to the first twelve months of credit card use, with a cashback up to 80 euros on the first 2,000 euros spent, equal to 4%. Once this threshold is exceeded, American Express returns the 1% on its purchases forever.
American Express Blue Card: the services
There are two applications made available to American Express customers. The first is. Amex App, which allows you to constantly keep track of your account, checking your spending and the balance of Membership Rewards points earned. The second app is Here American Express, which offers a map of all businesses that accept one's credit card.
The card enables purchases using contactless technology, bringing Amex Blu close to the POS and validating the purchase in a second. You can also add your card to a digital Wallet, paying with Apple Pay. Added to this is the 24-hour customer service, always available for any inquiries or emergencies.
How to Apply for Blue American Express
Applying for a Blue American Express is quick and free. This can be done through the official Amex website. The request can only be made by citizens of legal age, resident in Italy or in possession of an Italian correspondence address.
You must have an active bank or postal account belonging to the SEPA circuit, and the reference IBAN must not correspond to a prepaid card. As for the applicant's gross annual income, it must not be less than 11,000 euros.
Here are the documents to keep on hand:
- Banking information: IBAN, name of banking institution and year of account opening.
- Identification document: valid ID card, driver's license or passport
- Tax code
Some of the offers included in this article may have expired, to find out what offers are active right now click here
