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Johnson Bank Cash Rewards American Express® Card review

Get an intro APR period and 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 14.49% to 23.49% variable)

Details

Annual fee$0
Welcome offer$25 cash back after first purchase
Rewards3% cash back on up to $6,000 annually at gas stations (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)
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 Johnson Bank Cash Rewards American Express® Card lets you earn accelerated cash back on gas and supermarket purchases. In addition, you can earn a small welcome offer and save money on interest with a short intro APR period on balance transfers and purchases.

However, similar cards often come with a more generous signup bonus and a longer intro APR period.

How to apply for the Johnson Bank Cash Rewards American Express® Card

  1. Visit the Johnson Bank website and locate the card.
  2. Click Apply now and then Accept when you’re told you’re leaving the site.
  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?

You need at least a good credit score of 670 or higher to get an approval.

Card benefits

  • Cash back. Earn 3% cash back on gas purchases on up to $6,000 annually. After that, your cashback rate reverts to 1% for the rest of the year. Earn 2% back on purchases made at supermarkets, and 1% cash back on everything else.
  • Welcome offer. Make your first credit card purchase to earn a small $25 bonus. Though other cards offer higher bonuses of up to $200.
  • Intro APR period. Use an interest-free period on purchases and balance transfers made during your first 6 billing cycles of card membership. A variable APR of 14.49% to 23.49% applies thereafter.
  • No annual fee. Earn cash back on your purchases and save money on interest without paying an annual fee.

What to watch out for

  • Foreign transaction fees. Every transaction made abroad or online with foreign merchants will incur a 2% fee if the transaction is made in US dollars. You’ll incur a 2% fee if the purchase is made using foreign currency.
  • Balance transfer limitations. Make your balance transfers within your first 186 days of card membership to use the intro APR period. Otherwise, the standard APR will apply.

Compare cashback 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 shopping for a credit card with accelerated cash back on gas and purchases made at supermarkets, the Johnson Bank Cash Rewards American Express® Card could be an option worth considering.

However, you may find a better deal elsewhere, so make sure to compare similar credit cards.

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