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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.
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$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

Annual fee$0
Welcome offer$25 after your first purchase
Rewards3% on gas on up to 6,000 (then 1%), 2% at supermarkets, and 1% on all other purchases
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)
Minimum Credit Score670
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Review by


Kliment Dukovski is a credit cards and investments 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
Earn a $200 statement credit after spending $2,000 in the first 6 months
3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on other purchases (redeem as statement credit)
$0
Earn a $200 statement credit after spending $2,000 in the first 6 months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
BlockFi Bitcoin Rewards Credit Card
Up to $100 in Bitcoin rewards by earning 3.5% back in Bitcoin on all purchases in the first 90 days
3.5% back in Bitcoin in the first 90 days, up to a total of $100 in Bitcoin, then 1.5% on all purchases
$0
Earn 3.5% back in Bitcoin in the first 90 days, up to a total of $100 in Bitcoin. After that you'll earn a solid 1.5% back on all purchases.
Capital One QuicksilverOne Cash Rewards Credit Card
N/A
1.5% cash back on all purchases
$39
Get unlimited 1.5% cash back on every purchase with no limit on how much you can earn, and no changing categories.
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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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