Advertiser Disclosure

Park National Bank Cash Rewards American Express® Card

BestCards Team

| Last updated on October 24th, 2023

Park National Bank Cash Rewards American Express® Card

Park National Bank Cash Rewards American Express® Card
No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: No Credit Required
American Express Processing Network
None Annual Fee

Park National Bank Cash Rewards American Express® Card

  • 14.49% to 23.49% variable based on the Prime Rate Regular Purchase APR
  • 14.49% to 23.49% variable based on the Prime Rate Balance Transfer APR
  • 23.99% variable based on the Prime Rate Cash Advance APR
  • 0% for 6 months from account opening date Intro Purchase APR
  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 3% cash back on the first $6,000 in eligible net purchases made each year at gas stations
  • 2% cash back on supermarket net purchases
  • 1% cash back on all other everyday net purchases
  • Unlimited cash back rewards
  • $25 cash back reward bonus after first purchase
  • 0% introductory APR on purchases and balance transfers for the first six months of account opening
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 14.49% to 23.49% variable based on the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 14.49% to 23.49% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 23.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35
  • N/A
Park National Bank Cash Rewards American Express® Card

Park National Bank Cash Rewards American Express® Card

Terms & Conditions

Park National Bank Cash Rewards American Express® Card Review

A lucrative cash-back credit card designed to reward everyday purchases, the Park National Bank Cash Rewards American Express® Card is a strong choice for anyone who is looking for a way to turn the things they spend money on, like their commute, into a way to save money. Combining perks from Park National Bank with cardholder protections from American Express (Amex), this credit card will be a great addition to the wallet (digital or physical) of anyone who will use it regularly.

Earn Cash Back Rewards from Every Purchase

Cardholders who regularly spend money with their Park National Bank Cash Rewards American Express® Card will discover that each swipe will put money back into their wallet. This card rewards you for each purchase you make and allows for unlimited cash back rewards. Cash back can be earned at three rates:

3% Cash Back on Gas: For anyone who commutes to work, visiting a gas station is a part of everyday life. Each time you visit the pump, you’ll earn 3% cash back on up to $6,000 in net spend each year with the Cash Rewards Amex from Park National Bank. Whether you’re headed to the office, dropping the kids off at school or soccer practice, or fueling up for a road trip – this card is a powerful tool to earn rewards from gas purchases. Once you’ve reached the $6,000 limit, you’ll still earn rewards at a modified rate of 1% for each dollar spent at the pump until the next calendar year begins.

2% Cash Back on Groceries: The rewards for everyday purchases really start to add up when cardholders head to the grocery store. When it’s time to stock up on food for the week, swiping the Park National Bank Cash Rewards Amex gives 2% cash back for each dollar spent at the grocer. Whether you’re buying snacks, feeding the whole family, or grabbing a bottle of wine, you’ll earn cash back rewards by using your Park National Bank credit card.

1% Cash Back on All Eligible Purchases: Cardholders will earn 1% cash back for each dollar spent on every other qualifying purchase. There is no limit to the amount of cash back that can be earned at this rate.

A special introductory reward offer is available to new cardholders, too. Enjoy a bonus of $25 cash back after your first purchase, simply for being a Park National Bank credit card account holder.

Your cash back rewards are earned on eligible net purchases; transactions like cash advances, balance transfers, and convenience checks will not earn cash back rewards. Cash back rewards will expire five years from the end of the quarter in which they are earned, so plan to redeem your points accordingly.

Redeeming Cash Back Rewards is Easy: Rewards earned from the Park National Bank Cash Rewards American Express® Card can be exchanged for a statement credit to your credit card account. If you’re a Park National Bank checking or savings account holder, you can even redeem your points as a cash deposit – but only if you currently bank with Park National Bank and deposit your rewards directly into your account with them.

Competitive Interest Rates from the Park National Bank Cash Rewards American Express® Card

The Park National Bank Cash Rewards Amex has interest rates that are reasonably competitive, but lower rates can be found elsewhere if you look hard enough (for example, the Synovus Cash Rewards Visa® Credit Card has comparable cash back rewards and an interest rate that, depending on your creditworthiness, may be significantly lower than the APR for the Cash Rewards Amex from Park National Bank). That said, this card is coupled with an ample introductory APR for purchases and balance transfers: Any purchases and balance transfers made within the first six billing cycles after a card account is approved will accrue interest at a rate of 0%. Once this introductory period is over, interest rates will revert to the standard APR.

An introductory APR like this one is particularly useful for cardholders who have existing debt on another credit card that they’d like to pay down without paying extra due to interest. With the proper planning, cardholders can put a big dent in their existing balance by transferring it to their new Cash Rewards Amex and then pay it off before the introductory period ends. The same goes for folks who have a big-ticket item they’d like to buy but either can’t pay it in full or want to pay in increments – using the introductory APR period to pay for a new couch, a new mattress, or any other splurge can add up to big savings when it comes to interest rates.

Park National Bank Cash Rewards American Express® Card Member Perks and Benefits

There are several perks to holding a Cash Rewards Amex from Park National Bank. There is no annual fee, in addition to the introductory APR and signup bonus of $25 cash back, which is an added incentive for prospective cardholders. Additionally, the card offers a variety of enhancements and important features from American Express which include things like:

  • Chip-enhanced card security
  • Worldwide Travel Inconvenience Insurance
  • Luxury Hotel Program
  • Premium Concierge
  • Rental Car Insurance
  • Return Protection
  • Extended Warranty
  • Zero Fraud Liability
  • Worldwide Acceptance
  • Free Extra Card for an Authorized User
  • Entertainment Access

Should You Apply for the Park National Bank Cash Rewards American Express® Card from Park National Bank?

The Park National Bank Cash Rewards American Express® Card is a great credit card option for anyone in the market for a cash back rewards card, but is it right for you? When choosing the right credit card for your financial goals, it pays to consider the following:

  • Is there an introductory bonus? If so, what is it?
  • Is there an introductory APR period?
  • How flexible are the rewards earning and redemption options?
  • How high of an annual fee are you willing to pay?
  • Will you carry a monthly balance? (This will affect how you choose a card based on interest rates and introductory APR offers)

There are a variety of cash back credit cards on the market. If you’d like the choice of which spending category you earn cash back at a higher rate in, for example, you might look at the World Wildlife Fund Credit Card from American Express. This card offer, which also boasts Amex perks, has comparable interest rates to the Park National Bank Cash Rewards Amex – but also allows cardholders to choose the spending category in which they prefer to earn 3% cash back in, along with a generous introductory APR of 0% on purchases and balance transfers for a whopping 15 months. The Bank of America® Cash Rewards Credit Card also gives the cardholder the freedom to choose the spending category in which they earn the most cash back rewards, along with a lengthy introductory APR of 15 months.

Park National Bank’s Cash Rewards American Express card weighs in as a solid option, and likely will be most enticing to someone who is new to cash back rewards. Thanks to no annual fee, moderate interest rates, and an introductory APR period, this cash back credit card is a great way to make everyday spending even more rewarding for anyone who regularly swipes their card at the gas pump and buys groceries each week.

Browse Other Park National Bank Credit Cards:

Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.

Advertiser Disclosure

BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.