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Associated Bank American Express® Cash Rewards Credit Card review

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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.

$25

Welcome offer

Up to 3%

Cash back

$0

Annual fee

0%

Intro purchase APR

for the first 6 billing cycles (then 13.99% to 22.99% variable)

Details

Product NameAssociated Bank American Express® Cash Rewards Credit Card
Annual fee$0
Purchase APR0% intro for the first 6 billing cycles (then 13.99% to 22.99% variable)
Balance transfer APR0% intro for the first 6 billing cycles (then 13.99% to 22.99% variable)
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Cash advance rate23.99% variable
Cash advance fee$10 or 4% of the cash advance amount, whichever is greater
Foreign transaction fee3% of the transaction value or $2, whichever is higher
Interest free periodUp to 24 days
Late payment feeUp to $39
Returned payment feeUp to $35

Expert review

Kliment Dukovski

Review by


Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

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

  1. Visit the Associated Bank website and locate the card.
  2. Click Apply now.
  3. Fill out the application form with your personal and financial information.
  4. Request a balance transfer or add an authorized user if you want to.
  5. 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.

Card benefits

  • 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

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Everyday® Card from American Express
$200 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Blue Cash Preferred® Card from American Express
$300 after spending $3,000 in the first 6 months (Offer expires 12/10/2020)
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Chase Freedom Unlimited®
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
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Compare up to 4 providers

Bottom line

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.

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