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First Midwest Bank Cash Rewards American Express® Credit Card review

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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.

$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

Product NameFirst Midwest Bank Cash Rewards American Express® Credit Card
Card typeAmerican Express
Annual fee$0
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)
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 feeNone
Interest free periodUp to 24 days
Late payment feeUp to $40
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 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.

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.

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.

Compare cash back credit cards

Name Product Welcome offer Rewards Annual fee Filter values
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 Everyday® Card from American Express
$150 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
Blue Cash Preferred® Card from American Express
$250 after spending $1,000 in the first 3 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
$95
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $250. 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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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.

Frequently asked questions

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