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Fetch American Express Card Review 2025: Gamified Rewards Up To 1.75%
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: Four-tier earning system with 10x points on groceries/retail, 5x on everything else, plus gamified bonuses
The Complete Fetch Rewards Ecosystem
Fetch is breaking the rules and bringing its reimagined approach to rewards to the credit card space.
The Fetch Card offers cardholders four distinct ways to earn rewards:
- Spin & Win Feature: After every purchase with the Fetch Card, cardholders spin a wheel in the Fetch app to earn up to 1,200 bonus Fetch Points. This gamified feature makes every transaction potentially more rewarding and adds an element of excitement to everyday spending.
- 10x Fetch Points on grocery and retail spending
- 5x Fetch Points on all other purchases
- Always-on cardholder-only promotions through the Fetch app
The Real Value Calculation: According to Fetch, rewards from all of these activities combined roughly equate to an average of 1.75% cashback value per purchase. With no annual fee, the Fetch Card positions itself as "a new kind of credit card in a class of its own, built to deliver robust rewards on every dollar spent."
The Value Reality: Better Than Expected, But Still Complex
While our initial analysis focused on the basic point values (approximately 0.1 cents each), Fetch's complete ecosystem tells a different story. When factoring in all four earning methods:
- Basic earning:
- 10x points = 1% effective cash back
- 5x points = 0.5% effective cash back
- With Spin & Win and app promotions
- Combined value reaches approximately 1.75% average return
This puts the card in more competitive territory, though the value depends heavily on:
- Active engagement with the Fetch app
- Regular use of the Spin & Win feature
- Participation in app-exclusive promotions
- Understanding that returns vary by transaction
Fetch vs. The Rakuten American Express® Card: The New Reality
With 1.75% effective return, Fetch becomes more competitive:
- Groceries: Fetch's 1.75% average effective rate vs. Rakuten's 2% cash back
- Restaurants: Fetch's 1.75% average vs. Rakuten's 2% (up to 10% at partners)
- Other Purchases: Fetch's 1.75% average vs. Rakuten's 1%
- 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¢ base value
- Engagement Factor: Fetch offers gamified rewards and app interaction vs. Rakuten's straightforward cash back
The newly launched Rakuten card offers notably better value across categories:
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- 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.
The key difference: Fetch requires active app engagement to achieve its 1.75% effective rate, while Rakuten delivers guaranteed rates without additional steps.
Bottom Line
Rating: 6.5/10 - Solid Option for App Enthusiasts
The Fetch American Express Card offers a more compelling value proposition than initially apparent. With an effective 1.75% average return across all spending, no annual fee, and accessible credit requirements (620+), it represents genuine innovation in the rewards space.
Strengths: Unique gamified experience, competitive effective return rate, no annual fee, inclusive credit requirements
Considerations: Value requires active app engagement, complex earning structure, high APR (pay in full), and returns can vary by transaction
Recommendation: Strong choice for users who enjoy gamified rewards and active app engagement. The 1.75% effective return makes it competitive with traditional cash back cards, especially for those who value the interactive experience and don't mind the complexity. However, users seeking guaranteed returns without app interaction may prefer straightforward cash back alternatives.
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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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