American Express® National Bank Blue Credit Card

American Express® National Bank Blue Credit Card Review

This is a rewards card issued by American Express National Bank. If you're wondering whether American Express National Bank Blue Credit Card is the right card for you, read on.

Key Takeaways

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 23.99%
• 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. American Express® National Bank Blue Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $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 Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, purchase security, travel accident insurance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of American Express National Bank Blue Credit Card

American Express National Bank Blue Credit Card FAQ

Does American Express National Bank Blue Credit Card have a cash back or rewards program?

American Express National Bank Blue Credit Card is a travel rewards card.

What are the American Express National Bank Blue Credit Card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Travel Accident Insurance
• Cell Phone Protection
• No blackout dates when redeeming miles
• Reports to major credit bureaus

What are the relevant APRs for American Express National Bank Blue Credit Card?

American Express® National Bank Blue Credit Card has a variable purchase APR of 23.99%. The card has a variable balance transfer APR of 23.99% . It also has a variable cash advance APR of 25.24% . 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.

What are the fees for American Express National Bank Blue Credit Card?

The following fees apply:

• There is no overlimit fee

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does American Express® National Bank Blue Credit Card report your account activity to credit bureaus?

Yes, American Express® National Bank Blue Credit Card 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 may help improve your credit.

How to apply for American Express National Bank Blue Credit Card

• Visit the American Express National Bank Blue Credit Card 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.