Blue from American Express Credit Card

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This card is like sitting at the kids’ table at a fancy restaurant. You might get benefits, but the portions are smaller.

This card offer is currently unavailable on Bankrate. To see more cards in this category, please visit our good credit category page.

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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.

Review

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.

Advantages
  • You don’t have to pay an annual fee.
  • It’s pretty easy to qualify for this card.
  • Cardholders will have access to American Express’ benefits, like roadside assistance, car rental insurance and price protection.
  • Terms apply.
Disadvantages
  • The points you can earn on this card are meager.
  • There is no sign-up bonus.
  • Cardholders won’t get the extras that other cards offer, such as annual travel certificates and big bonuses.

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

Discover it® chrome
  • Intro Offer: Discover will match all the cash back earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive Free Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Terms and Restrictions Apply | See Rates and Fees
Credit Needed

Excellent/Good

Regular APR

13.24% - 24.24% Variable

Annual Fee

$0

Purchase Intro APR

0% for 14 months

Balance Transfers Intro APR

0% for 14 months

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.

Wells Fargo Rewards Card
  • Earn 1 Wells Fargo Rewards point for each $1 spent on all purchases.
  • Earn 5 rewards points for every $1 spent on gas, grocery, and drugstore net purchases for the first six months.

This card offer is currently unavailable on Bankrate. To see more cards in this category, please visit our good credit category page.

Credit Needed

Good

Regular APR

0.00% introductory APR for 12 months. After that your APR will be 18.15% to 26.99%, based on your creditworthiness. This APR will vary with the market based on the U.S. Prime Rate.

Annual Fee

No Annual Fee.

Balance Transfers Intro APR

0.00% introductory APR for 12 months. After that, your APR will be 18.15% to 26.99%, based on your creditworthiness. This APR will vary with the market based on the U.S. Prime Rate.

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.

USAA Rewards™ Visa Signature®
  • Earn one point for every dollar spent on your everyday purchases.
  • Get 2,500 bonus points with your first purchase.
  • Redeem points for cash, merchandise, gift cards and more.
  • USAA membership is available to active and former military and their eligible family members
Credit Needed

Good/Excellent

Regular APR

11.15%-27.15% (Variable)

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfers Intro APR

N/A

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.

Citi® Diamond Preferred® Card
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that the variable APR will be 14.24% - 24.24%, based on your creditworthiness*
  • 0% Intro APR on purchases for 12 months from date of account opening. After that the variable APR will be 14.24% - 24.24%, based on your creditworthiness*
  • If you transfer a balance after the 0% Intro purchase APR expires, new purchases and unpaid purchase balances will automatically accrue interest until all balances, including the transferred balance, are paid in full
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
  • Free access to FICO® Scores*

This card offer is currently unavailable on Bankrate. To see more cards in this category, please visit our good credit category page.

Credit Needed

Excellent/Good

Regular APR

14.24% - 24.24%* (Variable)

Annual Fee

$0*

Purchase Intro APR

0%* for 12 months on Purchases*

Balance Transfers Intro APR

0%* for 21 months on Balance Transfers*


Citi Diamond Preferred gives you 21 interest-free months to pay off balance transfers. That’s the longest 0% introductory period available today.

 

EDITORIAL NOTE

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.