Blue from American Express® Review
Blue from American Express® is a
issued by American Express National Bank.
If you're wondering whether Blue from American Express® is the right card for you, read on. This is everything you need to know to make a good choice.
- High APRs. This is not a great card for people who carry a balance. It has a
- No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. Blue from American Express® charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees.
The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2.7% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as
purchase protection, and fraud protection.
- Very good credit required. Applicants will typically need a credit score of at least 750 to qualify.
Blue from American Express® Pros & Cons
- No annual fee.
- Multiple credit card perks.
- Cardholders can earn rewards on purchases everywhere Blue from American Express® is accepted.
- Blue from American Express® reports to multiple credit bureaus.
- Higher than average purchase APRs.
- Requires good to excellent credit.
- Does not offer a signup bonus.
- Charges a foreign transaction fee of 2.7%.
- Charges a 3% balance transfer fee.
Blue from American Express® FAQ
Is there a Blue from American Express® cash back or rewards program?
Blue from American Express® offers a rewards program to its customers.
Blue from American Express® Rewards
|Minimum rewards rate (all purchases)
|Max rewards rate
|Annual rewards limit
Does Blue from American Express® have a signup bonus?
Blue from American Express® doesn't offer a cash signup bonus.
Does Blue from American Express® offer an annual loyalty bonus?
Blue from American Express® doesn't offer a cash loyalty bonus.
What are the Blue from American Express® benefits?
Blue from American Express® provides the following benefits:
- Cellular Telephone Protection
- No blackout dates when redeeming miles
- Reports to major credit bureaus
What are the relevant APRs for Blue from American Express®?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance.
Blue from American Express® has higher than average purchase APRs.
Blue from American Express® has a
The card has a
balance transfer APR
It also has a
cash advance APR
Note that late payments are subject to an APR of 29.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does Blue from American Express® have an introductory APR offer on balance transfers?
No, Blue from American Express® does not come with an introductory APR offer for balance transfers.
Does Blue from American Express® have an introductory APR offer on new purchases?
Blue from American Express® does not offer an introductory rate on new purchases.
Blue from American Express® Purchase Intro Offer
|Purchase Intro APR Period (months)
What are the fees for Blue from American Express®?
The following fees apply to Blue from American Express®:
- There is no overlimit fee
Blue from American Express® Fees
|Foreign Transaction Fee
|Returned Payment Fee
||up to $40
|Late Payment Fee
||up to $40
Does Blue from American Express® have a foreign transaction fee?
Blue from American Express® charges a foreign transaction fee of 2.7%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $54. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.
Does Blue from American Express® report your account activity to credit bureaus?
Yes, Blue from American Express® reports your account activity to the following credit reporting agencies:
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for Blue from American Express®
- Visit the Blue from American Express® website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.