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  Blue from American Express®

Blue from American Express®

in Personal Credit Cards from American Express National Bank

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Blue from American Express®

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in Personal Credit Cards from American Express National Bank

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Highlights
Highlights
Annual Fee $0
Purchase APR  (Variable APR) 25.74%
Balance Transfer APR  (Variable APR) 25.74%
Credit Score Range 750 - 850

Blue from American Express® Review

Blue from American Express® is a rewards credit card 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.

Key Takeaways

  • No annual fee. This is a great options for people looking for a low-maintenance rewards card. It gives rewards on your purchases but you don't have to pay an annual fee for the privilege.
  • Generous reward rate. You can get a rewards rate of up to 2%.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 25.74%
  • Charges foreign transaction fees. Avoid using this card when traveling outside the U.S. because it charges a commission of 2.7% every time you make a transaction outside the U.S.
  • Very good credit required. You should probably try with another credit card if your credit score is below 750.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, purchase protection, travel accident insurance, and fraud protection.
The Good The Bad
  • No annual fee.
  • Multiple credit card perks.
  • Earn rewards on every purchase.
  • Blue from American Express® reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Offers auto rental collision damage waiver.
  • Includes emergency support.
  • Extended warranty protection on purchases.
  • Purchase Protection.
  • Travel Accident Insurance.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 2.7%.

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
Rewards rate (all purchases) 1%
Max rewards rate 2%
Annual rewards limit N/A
Signup Bonus ($) N/A

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:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Cellular Telephone Protection
  • 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 variable purchase APR of 25.74%. The card has a variable balance transfer APR of 25.74% . It also has a variable cash advance APR of 26.99% . Note that late payments are subject to an APR of 29.99% 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?

No, Blue from American Express® does not come with an introductory APR offer for balance transfers. Blue from American Express® does not offer an introductory rate on new purchases.
Blue from American Express® Balance Transfers
Description
Balance Transfer APR 25.74%
Introductory Rate N/A
Intro APR period (months) N/A
Blue from American Express® Rates & Terms
Description
Balance Computation average daily balance (including new purchases)
Purchase APR 25.74%
Credit Limit N/A
Penalty APR 29.99%
Cash Advance APR 26.99%
Security Deposit N/A
Introductory Rate N/A
Intro APR period (months) N/A

What are the Blue from American Express® fees?

The following fees apply to Blue from American Express®:

  • There is no overlimit fee
Blue from American Express® Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 2.7%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $5
Returned Payment Fee up to $39
Late Payment Fee up to $39

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?

Blue from American Express® reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

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.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) Earn 1 Membership Rewards point for every eligible dollar you spend
Annual Fee $0
No Annual Fee  
No Interest Grace Period for Late Payment 25
Over-Limit Fee $0
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $5
Cash Advance Fee (%) 5%
Cash Advance Fee Minimum $10
Foreign Currency Transaction Fee 2.7%
Late Fee Amount Up to $39
Returned Payment Fee Up to $39
Customer Type Personal
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Card Network
  • American Express
Card Type
  • Balance Transfer
  • Rewards
  • Travel
  • Zero Percent
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Purchase Protection
  • Travel Accident Insurance
Emergency Support  
Extended Warranty  
Fraud Liability  
Travel Insurance  
Bonus Rewards Earn 2 Membership Rewards points at AmexTravel.Com
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 26.99%
Purchase APR (Variable APR) 25.74%
Balance Computation average daily balance (including new purchases)
Penalty APR 29.99%
Balance Transfer APR (Variable APR) 25.74%

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Purchase APR 17.24% - 26.24%
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    0% 36% Variable APR
Balance Transfer APR 17.24% - 26.24%
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Amex EveryDay® Preferred Credit Card
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Purchase APR 14.74% - 24.74%
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    0% 36% Variable APR
Balance Transfer APR 14.74% - 24.74%
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Purchase APR 17.49% - 26.49%
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    0% 36% Variable APR
Balance Transfer APR 17.49% - 26.49%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 750 - 850     300 850
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Annual Fee $0 Annual Fee
Purchase APR 17.24% - 26.24%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 17.24% - 26.24%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 750 - 850     300 850
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Purchase APR 17.74% - 26.74%
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    0% 36% Variable APR
Balance Transfer APR 17.74% - 26.74%
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Purchase APR 17.99% - 26.99%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 17.99% - 26.99%
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    5% 29% Variable APR
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Annual Fee $95 Annual Fee
Purchase APR 14.74% - 25.74%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 14.74% - 25.74%
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Purchase APR 17.24% - 26.24%
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Balance Transfer APR 17.24% - 26.24%
(Variable APR)
    5% 29% Variable APR
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Purchase APR 26.99% Variable APR
Balance Transfer APR N/A Balance Transfer APR
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Purchase APR 16.74% - 20.74%
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