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finder.com’s rating: 2.6 / 5
★★★★★
Up to 2x
Points
$0
Annual fee
23.99%
Purchase APR (variable)
670
Recommended credit score
Review by
Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.
With the Blue from American Express® Card, you’ll earn Membership Rewards points on travel and everyday purchases. Every dollar you spend through American Express Travel earns you 2 points, and all other purchases earn you 1 point. You can redeem your points for gift cards, travel rewards, shopping and more.
And basically, that’s it. There’s no welcome offer. No bonus points on select categories of purchases. No intro APR on balance transfers and purchases. You’ll even pay a fee for foreign transactions, which can make using your card while traveling abroad expensive.
If you’re looking for an Amex card with more substance, look into the Amex EveryDay® Credit Card. It comes with no annual fee, lets you earn double points at US supermarkets and gets you a welcome offer and intro APR.
American Express automates conditional approval online, which means you could see a decision in minutes. If additional review is needed, it may take up to a few weeks.
After you’re approved, you should receive your card in the mail within 7 to 10 business days.
To apply for Blue from American Express® Card, you must be:
You’re welcome to apply with a credit score in the low 600s. But to get a high credit limit and low APR, apply with a good to excellent score of 670 or higher.
Many customers say they like this no-hassle card’s unlimited points potential, decent APR and no annual fee. Others say that late fees are high among similar cards and that a welcome offer wouldn’t hurt. Overall, simplicity appears to win out among cardholders.
The American Express Company has been accredited with the Better Business Bureau since 1948 and earns an overall A+ rating as of October 2020. However, 90% of its reviews are negative and it has nearly 3,400 customer complaints. Amex cardholders in general complain of rude customer service reps, missing statement credit and issues disputing charges.
The company earns a Trustpilot score of 2 out of 5 as of October 2020. Many negative reviews cite unhelpful customer service and inflexible company policies. Positive reviews say the company employs pleasant customer service representatives. Overall, your mileage may vary with American Express customer support.
The Blue from American Express® Card offers membership rewards and payment flexibility with a $0 annual fee. But you’ll find stronger no-annual-fee cards out there offering more robust rewards.
If you like the Amex brand, consider the Amex EveryDay® Credit Card, which offers a welcome offer, more membership points earnings per dollar and a 0% intro APR on purchases for 15 months, reverting to 12.99% to 23.99% variable APR thereafter.
Images: AmericanExpress.com
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Our team evaluates credit cards to determine their value against similar cards on the market.
We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.