Associated Bank American Express® Cash Rewards Credit Card review
A no-annual-fee credit card with accelerated cash back on gas purchases.
- Get this card if you mostly spend on gas.
- Pick something else if you want a higher rewards rate.
- Apply with a good credit score of 670 or higher.
Up to 3%
Intro purchase APR
for the first 6 billing cycles (then 13.99% to 22.99% variable)
|Welcome Offer||$25 after your first purchase|
|Rewards||3% on gas on up to 6,000 (then 1%), 2% at supermarkets, and 1% on all other purchases|
|Purchase APR||0% intro for the first 6 billing cycles (then 13.99% to 22.99% variable)|
|Balance transfer APR||0% intro for the first 6 billing cycles (then 13.99% to 22.99% variable)|
|Recommended minimum credit score||670|
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The Associated Bank American Express® Cash Rewards Credit Card comes with accelerated cash back on gas and purchases made at supermarkets. You also get to earn a small welcome offer and save money on interest with a short intro APR period on balance transfers and purchases.
But these perks may not be enough to compete with similar credit cards, which often come with a more generous signup bonus and a longer intro APR period.
How to apply for the Associated Bank American Express® Cash Rewards Credit Card
- Visit the Associated Bank website and locate the card.
- Click Apply now.
- Fill out the application form with your personal and financial information.
- Request a balance transfer or add an authorized user if you want to.
- Review the application form and submit.
What credit score do I need?
Increase your chances of approval with a good to an excellent credit score of 670 or higher.
- Cash back. Earn 3% cash back on gas purchases on the first $6,000 annually — after that, a 1% cash back applies. Earn 2% back at supermarkets and 1% back on all other purchases.
- Welcome offer. Earn $25 once you make your first purchase. This is low compared to similar cashback credit cards where you can earn up to $200 bonus.
- Intro APR period. Use your first 6 billing cycles to make balance transfers and purchases with a 0% intro APR. After that, a variable APR of 13.99% to 22.99% applies.
- No annual fee. Earn cash back and use the card’s perks without paying an annual fee.
What to watch out for
- Foreign transaction fees. Purchases made abroad or online with foreign merchants will incur a 2% fee if the transaction is made in US dollars. It will incur a 3% fee if it’s made in foreign currency.
- Balance transfer limitations. You can only use the 0% intro APR period if you make your transfers within 186 days of account opening.
Compare cash back credit cards
If you’re looking for a no-annual-fee credit card with rewards on purchases and gas made at supermarkets, the Associated Bank American Express® Cash Rewards Credit Card could be an option worth considering.
But make sure to compare similar credit cards because you may find one with better value.