Blue from American Express® Credit Card

Natalie Campisi Avatar
Natalie Campisi @NatalieMCampisi  in  Good Credit Advertising Disclosure
American Express Image
Annual Fee:
$0
Purchase Intro APR:
N/A
Regular APR:
26.24% Variable
Terms and Restrictions Apply | Rates and Fees

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

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. We’ve put together a guide to American Express Membership Rewards to provide you the information you need to maximize what this card has to offer.

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 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.

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 you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • 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.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
Apply Now On Discover's secure website
Credit Needed

Good to Excellent

Terms and Restrictions Apply | Rates and Fees
Regular APR

14.24% - 25.24% 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
  • 5x rewards points earned for up to $12,500 spent on gas, grocery, and drugstore purchases for the first 6 months and 1x points on other purchases - enjoy 5 years to use the points you earn
  • Lowest possible intro APR on balance transfers and purchases
  • $0 annual fee
  • 0.00% introductory APR for 15 months
Apply Now On Wells Fargo's secure website
Credit Needed

Terms and Restrictions Apply | Rates and Fees
Regular APR

18.74%-27.74% (Variable)

Annual Fee

$0 annual fee

Purchase Intro APR

0.00% introductory APR for 15 months

Balance Transfers Intro APR

0.00% introductory APR for 15 months

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. 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.

Citi® Diamond Preferred® Card
  • Citi customers enjoy special access to purchase tickets to thousands of events annually, including presale tickets and VIP packages to concerts, sporting events, dining experiences, plus complimentary movie screenings and more, at citiprivatepass.com
  • 0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee
  • Free access to FICO® Scores
Apply Now On Citi's secure website
Credit Needed

Good to Excellent

Terms and Restrictions Apply
Regular APR

15.24% - 25.24%* (Variable)

Annual Fee

$0*

Purchase Intro APR

0%* for 18 months on Purchases*

Balance Transfers Intro APR

0%* for 18 months on Balance Transfers*

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