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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 cryptocurrency and investments writer who has written over 700 articles to help readers find and compare the best financial options. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange and stock market trading.

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

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Name Product Welcome Offer Rewards Annual fee Filter values
Capital One Quicksilver Cash Rewards Credit Card
$200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day and % cash back on hotels and rental cars booked through Capital One Travel (terms apply)
$0
More than an unlimited 1.5% cash back card: you'll also earn % cash back on hotels and rental cars booked through Capital One Travel (terms apply).
Capital One SavorOne Cash Rewards Credit Card
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
3% cash back on dining, entertainment, popular streaming services and at grocery stores, 1% on all other purchases. Plus, earn % cash back on Capital One Entertainment purchases and tickets at Vivid Seats, and % cash back on hotels and rental cars booked through Capital One Travel (terms apply)
$0
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats.
Venmo Credit Card
N/A
3% cash back on your eligible top spend category, 2% back on your second top spend category and 1% on the rest
$0
A cashback credit card that lets you auto-purchase the crypto of your choice from your Venmo account.
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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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