Overview

Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $150 back in the form of a statement credit
3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases
Warranty extensions and return protection
Car rental loss and damage insurance
No Annual Fee
0% intro APR on purchases and balance transfers for 15 months, then a variable APR, 15.24% to 26.24%.
Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.

Insights Legend

Your credit score is an indication of credit risk and is calculated using various factors. Factors include the following:

Payment History
Amounts Owed
Credit History
Credit Mix
New Credit

Credit history is a record of a consumer's ability to repay debts, or in other words, the average length of all open credit accounts.

Utilization is the ratio of your credit card balances to your credit card limits. Basically, how much credit you spend vs. how much credit is available to you. Credit Viz asks for your average utilization in the last 6-12 months.

Existing relationships refer to a consumer's current business relationship with a bank or financial institution. A relationship could mean having a bank account, having an outstanding loan, or using a firms financial or investment products.

Refers to the types of credit bureau reports that banks pull to analyze a person's credit worthiness. The three major credit bureau reports come from TransUnion, Equifax, and Experian.

Number of credit cards a person had at the time of credit card acceptance

Total credit limit available across all open credit card accounts for a person

Yearly income of a person at the time of credit card acceptance

Number of hard inquiries a person had at the time of credit card acceptance

Starting credit card limit for a person who was accepted for the specific credit card

Note: Credit Viz does not collect information about on-time payments. You should always pay your credit card balances in full every month. On-time payments are also a factor that is used in calculating your credit score.

American Express Blue Cash Everyday

Overview

Acceptance Stats

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Average Utilization

Credit Bureau Reports Pulled

Existing Relationship

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Insights Legend

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