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Capital City Bank Cash Rewards American Express Card
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Pros
- There is no annual fee of Capital City Bank Cash Rewards American Express Card.
- There are good amount of cash backs for purchases in certain categories. You are going to gain 3% with gas and 2% with Supermarket.
- There is unlimited cash back except gas. Please see cons.
- You are going to earn $25 bonus after your first purchase regardless how much you spent.
- This can be a good opportunity for you if you are spending much at supermarkets.
- Zero liability protection is available for this credit product.
Cons
- Limited 3% gas cash back. You can earn $180 maximum in a year. This renews at every year.
- Sign-up bonus could be better.
- You can face with high APRs after 6 months later. It depends on your creditworthiness.
- 25.99% Cash Advance APR is high.
- Extra 2% payment for foreign transactions.
Review
Capital City Bank Cash Rewards American Express Card is providing many benefits for you as a cash back credit card. You can earn 3% cash back for your each gas purchases with the card. You will also get 2% for supermarket, 1% for the rest of purchases. However you will earn 3% percent cash back with $6000 purchase annual limit. It means you can earn $180 cash back yearly from your gas purchases. Rest of cash back rewards are unlimited. Consumers can also earn $25 worth cash back after you make the first purchase with your card. You will need to redeem your cash backs in 5 years.
You will not pay APR for the first 6 months after you get the card. Then the regular APR is going to be between 15.99% – 24.99%. There is also no annual fee for this card.
Rates
| Interest Rate (APR) | Rewards ($1) | Annual Fee | FTF(*) | Cash Advance Fee | Cash Advance APR | Balance Transfer Fee | Balance Transfer APR |
|---|---|---|---|---|---|---|---|
| 0% APR for first 6 Months
Regular: 15.99% – 24.99% |
Regular:
3% Cashback : Gas 2% Cashback : Supermarket 1% Cashback: Rest of Purchases Bonus: $25 after the first purchase. |
None | 2% | $10 or 4% | 25.99% | $5 or 3% | 0% APR for first 6 Months
Regular: 15.99% – 24.99% |
FTF: Foreign Transaction Fee
Editor Scores
| Type of Card | Editor Score | Overall Score | Total Cards |
|---|---|---|---|
| General | 215 | 200 | 100 |
| Rewards | 215 | 189 | 64 |
| Sign-Up Bonus | 154 | 199 | 44 |
| Zero Interest | 142 | 180 | 43 |
| No Annual | 182 | 166 | 60 |
| Cash Back | 112 | 123 | 26 |
You can read some users reviews of Capital City Bank Cash Rewards American Express Card below.
Similar Credit Cards
- Citizens Community Bank Platinum Payback Card
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Originally posted 2018-12-20 00:42:22.
