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Blue Sky from American Express®

in Personal Credit Cards

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Blue Sky from American Express®

in Personal Credit Cards

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Overview

Who is American Express®' Blue Sky Credit Card Designed For?

Blue Sky from American Express® is designed for people with excellent credit who want a flexible travel rewards program without having to pay an annual fee. Although the rewards rate is nothing to get excited about, Blue Sky points are worth more than regular reward points and it includes prime travel benefits few no-annual-fee cards offer..

What are the Rates for American Express®' Blue Sky?

The rate ranges from 17.49% APR to 22.49% APR depending on creditworthiness. This is high for a card that requires cardholders to have excellent credit. Definitely not a card for people who plan to carry a balance.

What Are the Fees for American Express®' Blue Sky?

Blue Sky has no annual fee and no over-limit fee. However, it does have the customary 3% fee with a $5 minimum fee on balance transfers and cash advances. What isn't so customary is its 2.7% foreign transaction fee, which is disappointing for a travel rewards card.

What Is American Express®' Blue Sky Rewards Program Like?

Blue Sky's flexible rewards program allows members to redeem points for statement credit on travel purchases, as cash back or for merchandise. The rewards rate is only 1x for all purchases, which is a little underwhelming for a travel card. However, Blue Sky points are worth more than standard reward points. For instance, it only takes 7,500 points to get a $100 credit statement on travel purchases. Eligible travel purchases include airfare, hotel stays, car rentals, cruises and most purchases made through a travel agent.

What about American Express®' Blue Sky Signup Bonus?

Currently there is no signup bonus.

Any Other Benefits?

Blue Sky offers all top-shelf benefits you expect from a prime card, but without charging an annual fee. This includes extended warranty on purchases, roadside assistance hotline, car rental insurance, travel accident insurance, a global assist hotline and exclusive access to many entertainment events.

How Is American Express®' Blue Sky Better Than Other Credit Cards?

Blue Sky from American Express® is a smart choice for prime consumers who want an everyday credit card that also offers travel rewards but don't want to pay annual fees. Although the rewards rate is low, its points are worth 33% more than those of regular reward programs and members can redeem them for travel purchases, cash back or merchandise.

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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

Grace Period for Late Payment (Days) 25
Over-Limit Fee $0
Minimum Interest Charge $0
Annual Fee $0
No Annual Fee  
Late Payment Penalty $38
Returned Payment Fee $38
Foreign Currency Transaction Fee 2.7%
Minimum Age 18
Credit Score Range 750 - 850
850 300 750
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Car Rental Insurance  
Extended Warranty  
Fraud Liability  
Travel Insurance  
Emergency Support  
Every Purchase 1 point for every eligible dollar you spend
Rewards Categories
  • Every Purchase
  • Restaurants
Purchase APR (Variable APR) 17.49% - 22.49%
Penalty APR 29.49%
Balance Transfer APR (Variable APR) 17.49% - 22.49%

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