Blue from American Express®

INTRO APR 0% APR for Up to 12 Months
APR As low as 11.49%
ANNUAL FEE $0
BENEFIT RATING
OVERALL RATING
MAXIUM CREDIT LIMIT $100,000

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Terms and Conditions

Overview

Blue from American Express® is an ideal credit card for those with good credit who already have an established credit history and are looking for a card with access to a reward program.

Various American Express® services and benefits are provided with this card, such as purchase protection, auto rental insurance, a year-end financial statement, and various travel and emergency assistance services.

Cardholders also have access to Blue's Membership Rewards Express® program, which offers members the chance to earn points that can be redeemed for various services and products. The rewards program is by far one of the best reward programs offered in the credit card industry, due in part to the variety of rewards offered with no yearly limit and no expiration policy for earned points.

This card has no annual fee and a reasonably low interest rate for purchases (for those who qualify), which makes it ideal for those who plan to occasionally carry a balance. The card has a 0% introductory rate for up to 12 months of membership that can be applied towards purchases. A 2.99% introductory rate is available on balance transfers for 12 months. It is important to note that the balance transfer introductory rate only applies to those who initiate a transfer when applying for the card.

Therefore, those who qualify for the lowest rate offered and plan to take advantage of the additional benefits and discounts available by American Express®, especially frequent travelers who can take advantage of the Membership Rewards Express® program with earned points that can be combined with various frequent flyer accounts, will benefit most from what the Blue from American Express® card has to offer.

Most Attractive Feature
Access to Membership Rewards Express® program; various benefits and services available to cardholders; introductory rate; no annual fee.

Least Attractive Feature
Low APR may not be available to all applicants.

Additional Benefits
Access to Blue's Membership Rewards Express® program for no additional annual fee.
Built-in ExpressPay feature that lets cardholders make purchases without having to swipe their card.
Various Internet account related services.
No liability for unauthorized Internet transactions.
Year-end financial statement.
Return protection.
Extended warranty for purchases.
Purchase protection.
Auto rental insurance.
Emergency card replacement.
Medical referral services.
Legal referral services.
Lost luggage insurance.
Up to $100,000 in travel accident insurance.
Various travel and emergency assistance services.
See website for additional benefits.

Rates & Fees

Card Category: Other Rewards

Introductory Rate: 0% APR for Up to 12 Months

Applied Towards: Purchases

Introductory Rate Details: The introductory rate for purchases varies and will be 12 months or 6 months. A 12 month 2.99% introductory rate is available on balance transfers submitted during the application process.

APR (Purchases): As low as 11.49%

APR (Cash Advances): n/a

Finance Configuration: Average Daily Balance (including new purchases)

Annual Fee: $0

Additional Cardholders: $0

Grace Period: 20 Days

Minimum Credit Limit: $1,000

Maximum Credit Limit: $100,000

Late Payment Fee: n/a

Over-The-Limit Fee: $35

Cash Advance Fee:

Balance Transfer Fee: 3% of each balance transfer associated with this offer ($5 minimum/$99 maximum per transfer). However, future balance transfers may incur a fee as disclosed at the time of the applicable offer or transaction.

Important Notations: Card is currently unavailable to residents of Puerto Rico. The APR for purchases varies according to the applicant's credit history and may range from 11.49% to 18.49%. See website for complete terms and conditions of card usage and application disclosure.

*To view the most current rates, please see the most recent: Terms and Conditions

Rewards

Points per Dollar:

Additional Points:

Applied Towards:

Point Details: Points earned can be redeemed for airline, hotel, merchandise, and gift certificates.

Expiration: None

Yearly Limit: None