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NBT Bank Premier Rewards American Express® Card Review
Excellent
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Chase Freedom Unlimited®
- Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- Earn unlimited 1.5% cash back on all purchases.
- 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
- No annual fee
- No minimum to redeem for cash back
- Cash Back rewards do not expire as long as your account is open
Credit Needed:
Excellent, Good
Citi® Double Cash Card - 18 month BT offer
- Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
- Balance Transfers do not earn cash back.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- The standard variable APR for Citi Flex Plan is 13.99% - 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Credit Needed:
Excellent
By Curtis Arnold Editor-in-chief Updated Mar 26, 2020
Top Features
| Cash Back on Gas | Cash Back on Groceries | Cash Back on Other |
| 2% | 1% | 1% or 3% |
NBT Bank Premier Rewards American Express® Card compared to other cash back cards
Card Name
Cash Back on Gas
Cash Back on Groceries
Cash Back on Other
Ratings/Apply
NBT Bank Premier Rewards American Express® Card
2%
1%
1% or 3%
Earn unlimited 1.5% cash back on all purchases.
Earn unlimited 1.5% cash back on all purchases.
Earn unlimited 1.5% cash back on all purchases.
1% when you buy plus 1% as you pay
1% when you buy plus 1% as you pay
1% when you buy plus 1% as you pay
Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases
Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases
Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases