Blue from American Express Credit Card
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A starter card, the Blue from American Express Credit Card won’t knock your socks off with rewards, but it’s relatively easy to qualify for. For those who want the benefits American Express membership offers, but don’t have a stellar credit history, this is a good option to consider.
The bare-bones Blue from American Express Credit Card is as ho-hum as it gets. The rewards are simple: you will earn 1 point per every dollar you spend. If you redeem your points on AmexTravel for hotel stays, vacation packages and cruises, then your point value will double. On the plus side, you can redeem your points in many ways. Cardholders can choose to get cash back or they can make travel, car rental, gift card purchases and more.
Another advantage of this card is that there are no annual fees. So you can park this card in your wallet to establish credit without paying for it. Additionally, you don’t have to have a great credit score to qualify for this card. So for people who are just building their credit or are on the road to repairing poor credit, this card makes it inexpensive to do so.
Who should get this card
There are few good credit card options for people who want to build or repair their credit. Options are usually limited to secured cards or retail cards. The Blue from American Express Credit Card, however, offers an alternative to the usual suspects.
Because applicants can have less-than-great credit to qualify, this card is a cheap way to boost your credit score. You can think of the points as the cherry on top; you might end up with a free flight or cash back. This card is clearly not designed for people who want to take advantage of generous point systems.
Fees and APR
- This card charges no annual fee.
- The variable APR is between 16.24 and 21.24%, depending on your creditworthiness.
- The variable penalty APR is 29.99%. It may be applied if you make one or more late payments or your payment is returned by the bank.
- The balance transfer fee is either $5 or 3% of each transfer, whichever is greater.
- The foreign transaction fee is 2.7% for purchases made outside the U.S.
- See Rates & Fees.
Extras, perks and using points
The card also includes American Express’ travel protections like roadside assistance, auto insurance and global emergency help.
How this card compares
Citi Diamond Preferred Card gives you 21 interest-free months to pay off purchases and balance transfers. That’s the longest 0% introductory period available today. So if you find yourself thousands of dollars in credit card debt, this is a good option to help you start climbing out of that hole.
Discover it Chrome is a good fit only if you have a limited budget – and good, but not great credit. It offers 2% cash back on up to $1,000 combined spending per quarter at restaurants and gas stations. If you spend less than $333 a month on these categories, this is a card to consider — barely.
The Wells Fargo Rewards Card isn’t a bad choice for a new credit card, it just may not be your best one. The sign-up offer is a solid mix of 0% APR on purchases and balance transfers and bonus points. The card also gives wide latitude in how you can redeem your points, from travel, gift card or cash.
The special military benefits on the USAA Rewards Visa Signature make it a worthy option for those who serve our country. But outside of the special perks and benefits for those actively deployed, the card offers meh rewards and less-than-favorable interest rates for those with less-than-favorable credit scores.
Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines, or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.