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First Midwest Bank Cash Rewards American Express® Credit Card review

Earn accelerated cash back on gas purchases without paying an annual fee.

  • 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 14.49% to 23.49% variable)

Details

Annual fee$0
Welcome Offer$25 after making your first purchase
Rewards3% cash back on gas on up to $6,000 annually, then 1%, 2% at supermarkets and 1% on all other purchases
Purchase APR0% intro for the first 6 billing cycles (then 14.49% to 23.49% variable)
Balance transfer APR0% intro for the first 6 billing cycles (then 14.49% to 23.49% variable)
Recommended minimum credit score670
IssuerAmerican Express
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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 First Midwest Bank Cash Rewards American Express® Credit Card lets you earn accelerated cash back on gas and supermarket purchases. In addition, you get to earn a small welcome offer and save money on interest with a short intro APR period on balance transfers and purchases.

However, similar cards tend to offer a more generous signup bonus and a longer intro APR period.

How to apply for the First Midwest Bank Cash Rewards American Express® Credit Card

  1. Visit the First Midwest Bank website and locate the card.
  2. Click Apply now.
  3. When asked whether to continue to Elan Cash Rewards American Express Card, click Continue.
  4. Fill out the application form with your personal and financial information.
  5. Request a balance transfer or choose to add an authorized user.
  6. Review the application form and submit.

What credit score do I need?

You need at least a good credit score of 670 or higher.

Card benefits

  • Cash back.
    Earn 3% cash back on up to $6,000 annual gas purchases. After that, earn 1% back for the remainder of the year. You also earn 2% back at supermarkets and 1% back on everything else you buy.
  • Welcome offer.
    Make your first purchase and earn a $25 bonus. Similar cashback credit cards come with a welcome offer of up to $200.
  • Intro APR period.
    Get a 0% intro APR period on balance transfers and purchases for your first 6 billing cycles. After that, a variable APR of 14.49% to 23.49% applies.
  • No annual fee.
    Don’t worry about paying any fee to own the card.

What to watch out for

  • Foreign transaction fees.
    If you use your card abroad or online with foreign merchants, you’ll pay a 0% fee if the transaction is made in US dollars, and a 3% fee if it’s made in foreign currency.
  • Balance transfer limitations.
    Make your balance transfers within your first 186 days of account opening to use the intro APR period. Transfers made after that will incur the standard APR.

Compare cash back credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Preferred® Card from American Express
Up to $350: 20% back on Amazon.com purchases in the first 6 months for up to $200 back, plus $150 statement credit after you spend $3,000 in the first 6 months
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 (redeem as statement credit)
$0 intro annual fee for the first year ($95 thereafter)
Earn up to $350. In your first 6 months, you can earn a $150 statement credit when you spend $3,000, and earn 20% back on Amazon purchases made with your card, up to $200 total. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
Blue Cash Everyday® Card from American Express
Up to $250: 20% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 statement credit after spending $2,000 within 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 all other purchases (redeem as statement credit)
$0
Earn up to $250. You'll get 20% back on Amazon.com purchases in the first six months for up to $150 back, and $100 after you spend $2,000 in the first six months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
Citi Custom Cash℠ Card
$200 cash back after spending $750 in the first 3 months. Fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back
5% cash back on purchases in your top eligible spend category each billing cycle on up to the first $500 spent, then 1% cash back thereafter and on all other purchases
$0
A new cashback card that automatically awards 5% to your highest eligible spending category each billing cycle, on up to $500 (then 1%).
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Bottom line

If you’re looking to earn accelerated cash back on your supermarket and gas purchases, the First Midwest Bank Cash Rewards American Express® Credit Card might be worth considering.

But make sure to compare similar credit cards as you may find one with better value.

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