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American Express Blue for Students Credit Card Review
What Is the American Express Blue for Students Credit Card?
The American Express Blue for Students Credit Card is a cash back rewards card designed specifically for college students. This card offers a combination of cash back rewards on everyday purchases, introductory bonuses, and student-friendly features to help young adults build credit responsibly while earning rewards on their spending.
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American Express Blue for Students Credit Card Pros & Cons
Pros:
- Cash back rewards on everyday purchases
- No annual fee
- Introductory 0% APR period on purchases
- Student-centric benefits and features
- Opportunity to build credit history
Cons:
- May require a credit history to qualify
- Lower cash back rates compared to some non-student cards
- Foreign transaction fees apply
- Limited travel and luxury benefits
Who Is the American Express Blue for Students Credit Card For?
The American Express Blue for Students Credit Card is ideal for:
- College students looking to build credit: This card is tailored for students who want to establish a positive credit history while in school.
- Everyday spenders: Students who frequently make purchases at U.S. supermarkets, U.S. gas stations, and other retail locations can benefit from the card's cash back structure.
- Those new to credit cards: The card's educational tools and resources make it a good choice for first-time credit card users.
- Budget-conscious students: With no annual fee and cash back rewards, this card can help students save money on their everyday expenses.
Comparing the American Express Blue for Students Credit Card With Other Credit Cards
When considering the American Express Blue for Students Credit Card, it's helpful to compare it with other popular options in the cashback credit card category:
- Annual fee: $0
- Sign-up bonus: Cash bonus after meeting spending requirements
- Key rewards: 5% on travel purchased through Chase Travel℠, 3% on dining and drugstores, 1.5% on all other purchases
- Standout feature: Flexible redemption options including cash back, travel, and gift cards
Capital One SavorOne Cash Rewards Credit Card (rates & fees):
- Annual fee: $0
- Sign-up bonus: Cash bonus after meeting spending requirements
- Key rewards: 3% on dining, entertainment, popular streaming services, and grocery stores
- Standout feature: No foreign transaction fees
Blue Cash Everyday® Card from American Express (rates & fees):
- Annual fee: $0
- Welcome offer: Cash bonus after meeting spending requirements
- Key rewards: 3% at U.S. supermarkets (up to $6,000 per year), 2% at U.S. gas stations and select U.S. department stores. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout
- Standout feature: 0% intro APR period on purchases and balance transfers (variable APR after)
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Each card offers unique benefits tailored to different spending habits and preferences. Consider your personal financial goals when choosing the best card for you.
Key Takeaways:
- American Express Blue for Students excels in offering a combination of cash back rewards on everyday purchases to young adults
- Chase Freedom Unlimited® offers diverse category bonuses
- Capital One SavorOne rewards dining and entertainment spending
- Blue Cash Everyday® provides strong rewards on everyday purchases
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Consider Using Kudos
While the American Express Blue for Students Credit Card offers solid rewards for students, you might want to consider using Kudos to maximize your credit card rewards even further. Kudos is a free AI-powered browser extension that helps you get the most out of your credit cards when shopping online.
With Kudos, you can:
- Get personalized credit card recommendations for each purchase, ensuring you always use the best card for maximum rewards.
- Access over 15,000 online stores to earn rewards from a wide variety of retailers.
- Multiply your rewards up to 5X during exclusive "Flash Boost" events.
- Discover new credit cards that align with your spending habits and potentially offer even better rewards than your current cards.
Using Kudos alongside your American Express Blue for Students Credit Card can help you maximize your rewards and savings, giving you an edge in managing your finances as a student.
Our Expert Takeaway
The American Express Blue for Students Credit Card is a solid choice for college students looking to build credit while earning cash back on everyday purchases. Its no-annual-fee structure, introductory APR offer, and cash back rewards make it an attractive option for students who frequently spend on groceries, gas, and general retail purchases.
However, students should be aware of the foreign transaction fees and the potential need for some credit history to qualify. For those who can meet the requirements, this card offers a good balance of rewards and educational resources to help navigate the world of credit responsibly.
To truly maximize your rewards, consider pairing this card with the Kudos browser extension. Kudos can help you make the most of your American Express Blue for Students Credit Card and any other cards you might acquire in the future, ensuring you always get the best rewards for every purchase.
If you're looking to get more out of your credit cards, Kudos is the best free shopping app to use when you shop online. And, they're currently offering $20 back after your first eligible purchase — just sign-up for free with code "GET20" and make a purchase at a Boost merchant.
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American Express Blue for Students Credit Card FAQ
How do I qualify for the American Express Blue for Students Credit Card?
To qualify, you typically need to be a U.S. citizen or resident alien, be at least 18 years old, and be enrolled in a U.S. college or university. A credit check will be performed, and some credit history may be required.
What is the cash back structure for this card?
The exact cash back structure may vary, but typically includes higher rates for U.S. supermarkets and gas stations, with a lower rate for other purchases. Check the current offer for specific percentages.
Is there an annual fee for the American Express Blue for Students Credit Card?
No, this card does not have an annual fee.
Can I use this card for international purchases?
Yes, you can use this card internationally, but be aware that foreign transaction fees will apply.
How does the introductory APR offer work?
The card usually offers a 0% introductory APR on purchases for a specified period after account opening. After this period, a variable APR will apply based on your creditworthiness.
Are there any special benefits for students?
Yes, the card often includes benefits tailored for students, such as statement credits for good grades, cell phone protection, and access to financial education resources.
How can I redeem the cash back I earn?
Cash back is earned in the form of Reward Dollars, which can be redeemed for statement credits, gift cards, or merchandise through the American Express Rewards program.
Does this card help build credit?
Yes, American Express reports your account activity to the major credit bureaus, which can help you build a credit history when you use the card responsibly and make on-time payments.
Supercharge Your Credit Cards
Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.
Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
