Our next review category was no annual fee credit cards, so our team had to take a gander at Blue from American Express. Not only is this a popular credit card sans yearly fees, it offers a great points program redeemable on travel, merchandise and other point-related industries. See what we researched and found below.
About Blue from American Express
Blue from American Express is geared towards consumers with excellent credit ratings who are looking for a credit card that offers numerous travel perks and access to a fee-free rewards program. By offering a low interest rate and points that can be redeemed for travel, merchandise and other valuable rewards, Blue from American Express has strategically positioned itself to be one of the most favorable rewards cards on the market.
Website Navigation:
We found the website for Blue from American Express to be very user-friendly. The page loaded almost instantaneously and the credit card application was very easy to fill out. The links for the credit card's terms and conditions and privacy policy were also very easy to find.
Star Reviews' Favorite Feature:
The fact that Blue offers points that can be redeemed for travel and merchandise makes this one of the most flexible rewards credit cards on the market.
Features:
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Built-in ExpressPay feature
allows cardholders to make purchases without having to swipe their card.
- Online account access.
- 0% liability for unauthorized Internet transactions.
- Extended warranty on purchases made with the card.
- Added purchase protection.
- Free auto rental insurance.
- Emergency card replacement.
- Medical referral services.
- Legal referral services.
- Free lost luggage insurance.
- Up to $100,000 in travel accident insurance.
- Various travel and emergency assistance services.
Rewards:
Cardholders earn points at the rate of one point per dollar spent. Points can be redeemed for travel, merchandise and/or gift certificates.
Introductory Offers:
Blue from American Express is currently offering 0-percent interest for up to 15 months on purchases. A 4.99-percent introductory rate is available on balance transfers if the transfer is submitted at the time of the application.
Standard Terms:
- APR - As low as 9.99%
- 19.99% variable interest rate on cash advances.
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No annual fee.
- No added cost for additional cardholders.
- 20-day grace period.
- A minimum credit limit of $1,000 and a maximum of $100,000.
- $19 late payment fee on balances up to $400, $38 on balances above $400.
- $35 over-the-limit fee.
- 3% cash advance fee with a minimum of $5.
- Balance Transfers - 3% of each balance transfer associated with this offer ($5 minimum/$99 maximum per transfer)
Customer Support:
Customer support is available via phone and an online FAQ database. When we called American Express, we were on hold for barely any time at all. The representative who answered our call was very friendly and knowledgeable and was able to answer our questions thoroughly.
Upside:
Flexible rewards, low interest rate, additional cardholder benefits.
Downside:
APR might be higher for some applicants depending on credit history.