Blue from American Express® Credit Card

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Rewards Rate:
N/A
Welcome Offer:
N/A
Annual Fee:
$0
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
N/A
Regular APR:
26.24% Variable
Terms and Restrictions Apply | Rates and Fees

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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. 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.