Blue Sky® from American Express®

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Natalie Campisi @NatalieMCampisi  in  Travel Advertising Disclosure
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Annual Fee:
No Annual Fee.
Purchase Intro APR:
N/A
Regular APR:
18.24, 21.24 or 23.24%, based on your creditworthiness and other factors as determined at the time of account opening. This APR will vary with the market based on the Prime Rate.
Terms and Restrictions Apply | Rates and Fees
Bankrate Score: 65 out of 100

Commonly used for: Excellent Credit, No Annual Fee, Rewards, Travel.

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

Editor’s note: some of the offers on this page are no longer available. 

Blue Sky from American Express is an entry-level card that requires a pro-level credit rating. If you’re someone who has excellent credit, you might want to keep looking as this card offers average rewards with no welcome bonus or extra travel perks like free checked bags.

Review

With so many travel rewards cards angling for customers with excellent credit, the Blue Sky from American Express card falls behind the pack. Cardholders will earn just 1 point per every dollar spent, which is valued at 1.33%.

Although there’s no annual fee and members will have access to the American Express Membership Rewards benefits — which includes car rental and purchase protection — frequent travelers likely will find it lacking.

The Barclaycard Arrival Plus World Elite Mastercard, in contrast, offers 2x the points on all purchases, 5% of your miles back upon redemption, the first year’s $89 annual fee is not waived, and comes with 60,000 bonus miles after spending $5,000 within 90 days and paying the annual fee. This kind of robust package is not unusual for cards that require top-notch credit scores.

This card doesn’t offer an intro bonus, but it does come with a unique ongoing spending bonus. For every 7,500 points you earn, you’ll receive a $100 statement credit that can be applied toward an eligible travel purchase, like airfare, hotel stays and car rentals. You have six billing cycles after your travel charges appear on your bill to redeem points.

Who should get this card

People who want a low-maintenance travel rewards card might find their match in the Blue Sky from American Express. Since there’s no annual fee you don’t have to worry about maximizing points to get value. This is one of those cards that can stay in your wallet without costing you a dime.

Moreover, this is a good choice for people who want access to American Express Membership Rewards benefits without the expensive annual fees.

Advantages
  • You don’t have to pay an annual fee.
  • Earn a repeating statement credit that can be applied toward travel spending.
  • For a no-annual fee card, the points are better than some cards for all purchases.
  • 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.
  • 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 18.24% and 23.24%, depending on your creditworthiness.
    • You’ll pay a 26.24% APR cash advance fee.
    • Late payments and returned checks are assessed a 29.99% variable penalty APR.
    • 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.

You will earn a $100 statement credit toward travel purchases made with the card for every 7,500 points you earn.

One advantage is that you can redeem your points in many ways. You can choose to get cash back or make travel, car rental, gift card purchases and more.

How this card compares

Citi Prestige® Card
  • 3x points on Air Travel and Hotels
  • 2x points on Dining at Restaurants and Entertainment
  • 1X points on all other purchases
Credit Needed

Excellent

Regular APR

17.49% to 25.49%, based on your creditworthiness, for transfers completed within 2 months from date of account opening. These APRs will vary with the market based on the Prime Rate.

Annual Fee

$450.

Balance Transfers Intro APR

Frequent travelers, or those who tend to spend at least four nights away at a time, stand to benefit the most from the perks and rewards the Citi Prestige Card offers. If you don’t travel much by air, you’ll miss out on most of the benefits.

Barclaycard Arrival Plus® World Elite Mastercard®
  • Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
  • Earn unlimited 2X miles on every purchase
  • New - Control Your Card - Instantly secure your accounts by locking your cards with Barclays SecurHold™, plus set transaction limits and block certain purchase categories for you or your authorized users. Available only on the Barclays mobile app.
  • Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • No foreign transaction fees
  • International Chip and PIN for use at self-service chip terminals around the world
  • Miles don't expire as long as your account is open, active and in good standing
Apply Now On Barclays's secure website
Credit Needed

Good/Excellent

Regular APR

18.24%, 22.24% or 25.24% variable based on your creditworthiness

Annual Fee

$89 (waived first year)

Purchase Intro APR

N/A

Balance Transfers Intro APR

0% intro for first 12 billing cycles following each BT that posts within 45 days of account opening

The Barclaycard Arrival Plus World Elite Mastercard will likely appeal to those who want the most flexible redemption options for their miles.  You can use your earnings to book travel, get a statement credit for travel purchases, or for gift cards and select merchandise.  This may be of greater value to you depending on your spending habits.