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Fetch American Express Card Review 2025: Points Look Good, Value Doesn't
July 1, 2025
The Fetch American Express® Credit Card launches fall 2025 with appealing "10x points" marketing, but low point values significantly limit its real-world value compared to alternatives.
Key Features
- Annual Fee: $0
- Welcome Bonus: None (app bonuses only)
- Credit Score: 620+ required
- APR: Up to 34%
- Rewards: 10x points on groceries/retail, 5x on everything else
The Main Issue: Low Point Values
Fetch points are worth approximately 0.1 cents each (1/10th of a penny). This means:
- 10x points = 1% effective cash back
- 5x points = 0.5% effective cash back
A $50 Amazon gift card costs 55,000 points, creating an effective return under 1%.
Fetch vs. The Rakuten American Express® Card
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The newly launched Rakuten card offers notably better value across categories:
- Groceries: Rakuten provides 2% real cash back compared to Fetch's 1% effective rate.
- Restaurants: Rakuten delivers 2% cash back (up to 10% at partner locations) versus Fetch's 0.5% effective return.
- Other Purchases: Rakuten gives 1% cash back compared to Fetch's 0.5%.
- Welcome Bonus: Rakuten offers $25 cash, while Fetch has no standard welcome bonus.
- Point Value: Rakuten's cash back is worth 1¢ per point versus Fetch's 0.1¢ - ten times more valuable.
Better Alternatives
- Chase Freedom Unlimited®: 1.5% + $200 bonus + travel transfer potential
[[ SINGLE_CARD * {"id": "497", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Cash Back Seekers", "headerHint": "Fantastic Cash Back Card"} ]]
Who Might Find Value
- Active Fetch app users are already earning points through receipt scanning
- Those with limited credit options (those with credit scores of 620+ should be eligible)
- People focused on building their credit history
However, even these users may find better overall value elsewhere.
Considerations
- Complex point system makes true value less transparent than cash back
- High APR (up to 34%) requires paying balances in full
- Imprint servicing has received mixed reviews from users
- Limited welcome incentives compared to competing cards
Bottom Line
Rating: 4/10 - Limited Appeal
While the Fetch American Express Card offers no annual fee and accessible credit requirements, its low point values make it less competitive than straightforward cash back alternatives. The impressive-sounding multipliers translate to modest real returns.
Recommendation: Unless you're a dedicated Fetch app user, consider established cash back cards that offer clearer value and more effective returns on your spending.
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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.
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