Is the Blue from American Express Card worth it? | April 2018

Review: Blue from American Express Card — April 2018

A no-fee card with a simple rewards earning structure.

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  • Get this card if… you want payment flexibility and a rewards program that can be used on anything.
  • Pick something else if… you want more generous rewards.
  • Recommended good to excellent credit range of 705 to 850.
Product NameBlue from American Express® Card
Intro APR for Balance Transfer16.49%, 19.49% or 21.49%% Intro APR for within 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
Balance Transfer Rate (not intro)16.49%, 19.49% or 21.49% variable
APR for Purchases ( Purchase Rate )16.49%, 19.49% or 21.49% variable
Annual fee$0
Cash Advance Rate26.49% variable
Card TypeAmerican Express
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 25 days
Returned Payment Fee$38
Foreign Currency Conversion Fee (AMEX)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
2.7% of transaction value
Minimum Credit ScoreGood (700-739)
Minimum Age18 years of age
Annual fee$0
Returned Payment Fee$38
Late Payment Fee$38
Cash Advance Fee$5 or 3% of the amount of each cash advance, whichever is greater
Rewards ProgramAmerican Express Rewards
Rewards Points per $ spent (VISA/MC)1
Points ExpiryNever

The Basics

Do you want a card that allows you to use your points on virtually anything? Do you also want the option to make large purchases on extended credit? American Express designed this card for the everyman like you.

Every dollar you spend with the Blue from American Express Card accrues 1 point. This amounts to 1% credit back on all purchases that can be used on even future charges. The card also gives you the option to carry a balance for longer than month, although it will cost interest.

The Perks

This no-fee card is a good choice if you’re not in the market for a specialized rewards program.

  • Universal rewards. Get 1 point for every dollar spent anywhere.
  • Payment flexibility. Carry a balance with interest or pay in full each month.

You’ll also like …

  • 2x points on Amex’s travel site. Get bonus points when booking a cruise, flight, hotel and more through Amex.
  • Travel protection. The card comes with car rental loss and damage insurance, a global assist hotline and travel accident insurance.
  • ShopRunner membership. Get free expedited shipping for purchases at participating online stores.

What to watch out for

While the card is a good deal if used responsibly, it comes with severe penalties and interest rates for late or returned payments. The rewards program is also not as generous as specialized programs, which tend to offer 30% more points or higher per purchase.

  • Limited awards. Other cards can offer stronger rewards than 1 point per dollar (or $1 back on your purchases).
  • No signup bonus. You won’t get an intro APR or bonus rewards at signup.
  • It hurts to pay late. Making late or returned payments could saddle you with a penalty APR as high as 29.99%. You could also pay late and returned-payment fees as high as $38.00.

Compare other American Express credit cards

Rates last updated April 20th, 2018
Name Product APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee Product Description
Wells Fargo Propel 365 American Express® Card
15.24% to 23.24% variable
0% Intro APR for 12 months (with $5 minimum, 5% balance transfer fee)
$0 annual fee for the first year ($45 thereafter)
20,000 bonus points if you spend $3,000 (net purchases) in first 3 months
Wells Fargo Propel American Express® Card
14.24% to 26.24% variable
0% Intro APR for 12 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
20000 bonus points if you spend $1,000 (net purchases) in first 3 months
Blue from American Express® Card
16.49%, 19.49% or 21.49% variable
16.49%, 19.49% or 21.49%% Intro APR for within 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
$0
Earn rewards with no annual fee.
Blue Sky from American Express® Card
18.49%, 21.49% or 23.49% variable
18.4921.4923.49% Intro APR for within 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
$0
Flexible travel rewards and no annual fee.
Hilton Honors™ Card from American Express
16.99% to 25.99% variable
16.9925.99% Intro APR for 60 days of account opening (with whichever is greater, 5% or 3% balance transfer fee)
$0
Earn 50000 Hilton Honors Bonus Points after spending $1,000 or more in purchases on the Card within your first 3 months of Card Membership.
Hilton Honors™ Surpass® Card from American Express
16.24% to 20.24% variable
16.2420.24% Intro APR for 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
$75
Earn 100000 Hilton Honors Bonus Points after spending $3,000 in purchases on the Card within your first 3 months of Card Membership.
American Express Serve®
FREE ATM withdrawals at over 24,000 MoneyPass® ATM locations nationwide.
The Mercedes-Benz Credit Card from American Express
16.49% variable
16.49% Intro APR for 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
$95
Earn 10000 Membership Rewards ® points after using your new Card to make $1,000 in purchases within the first 3 months.
Plenti® Credit Card from Amex
15.99% to 25.99% variable
15.9925.99% Intro APR for 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
$0
Earn 5000 Plenti® points after you spend $250 in purchases on your Plenti® Credit Card from Amex within your first 3 months of Card Membership.
Platinum Delta SkyMiles® Credit Card
16.99% to 25.99% variable
16.99% to 25.99%% Intro APR for 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
$195
Earn 5,000 Medallion® Qualification Miles (MQMs)
and 35000 bonus miles after you spend $1,000 in purchases on your new card in your first 3 months. In addition, earn a $100 statement credit after you make a Delta purchase with your new card within your first 3 months.
Gold Delta SkyMiles® Credit Card
16.99% to 25.99% variable
16.99% to 25.99%% Intro APR for 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
$0 annual fee for the first year ($95 thereafter)
Earn 30000 bonus miles after you make $1,000 in purchases on your new card within your first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
Delta Reserve® Credit Card from American Express
16.99% to 25.99% variable
$450
Earn 10,000 Medallion® Qualification Miles (MQMs) and 40000 bonus miles after you spend $3,000 in purchases on your new Card in your first 3 months.
Platinum Delta SkyMiles® Credit Card
16.99% to 25.99% variable
16.99% to 25.99% variable% Intro APR for 60 days (with whichever is greater, $5 or 3% balance transfer fee)
$195
Earn bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $1,000 in purchases on your new Card in your first 3 months.
American Express® Green Card
No interest charges because you pay your balance in full each month
$0 annual fee for the first year ($95 thereafter)
Shop with more confidence
Premier Rewards Gold Card from American Express
No interest charges because you pay your balance in full each month
$0 annual fee for the first year ($195 thereafter)
More Points. More Rewards.
The Platinum Card® from American Express
No interest charges because you pay your balance in full each month
$550
Get 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X points on eligible hotels booked on amextravel.com.
Blue Cash Everyday® Card from American Express
14.49% to 25.49% variable
0% Intro APR for 15 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $150 back in the form of a statement credit.
Blue Cash Preferred® Card from American Express
14.24% to 25.24% variable
0% Intro APR for 12 months (with whichever is greater, $5 or 3% balance transfer fee)
$95
Earn $200 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $200 back in the form of a statement credit.
Amex EveryDay® Credit Card
14.24% to 24.24% variable
0% Intro APR for first 12 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
Earn 10000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
Amex EveryDay® Preferred Credit Card
14.24% to 24.24% variable
0% Intro APR for 12 months (with whichever is greater, $5 or 3% balance transfer fee)
$95
Earn 15000 Membership Rewards Points after you use your new Card to make $1,000 in purchases in your first 3 months.
Starwood Preferred Guest American Express Credit Card
16.49% to 20.49% variable
16.4920.49 % Intro APR for 60 days (with whichever is greater, $5 or 3% balance transfer fee)
$0 annual fee for the first year ($95 thereafter)
Earn 25000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
USAA Secured Card American Express®
11.15% to 21.15% variable
$35
You can get travel benefits (no foreign transaction fees), retail benefits and collision damage waiver coverage on your rental car.
USAA Cashback Rewards Plus American Express® Card
13.15% to 27.15% variable
$0
Get high cash back rewards on most purchases, including gasoline, groceries and military base purchases.

Compare up to 4 providers

What should I know before I apply?

Always consider your options and your financial situation before you apply for a credit card.

To apply for the Blue from American Express, you must be:

  • At least 18 years old.
  • A U.S. citizen or legal resident of the U.S.
  • You’ll need to submit personal and financial information that includes:
  • Your full name and personal contact information.
  • Proof of stable employment.
  • Your date of birth and Social Security number.

What credit score do I need?

You’ll have a better chance of being approved for the Blue Credit Card by American Express if you apply with a good to excellent credit score of 705 or higher.

How to apply for the card

Locate Blue on the American Express website and click Apply Now.

step 1 Blue from American Express credit card

Complete the application and click Continue.

step 2 Blue from American Express credit card

Agree to the terms by clicking Agree & Submit Application.

How long will it take to be approved?

Because conditional credit approval is automated on the website, you may get a decision on your application within 60 seconds.

I got the card — now what?

  • Making payments. Register your online account with American Express to pay your balance online.
  • Setting up automatic payments. Never miss a payment when you enroll in autopay.
  • Avoiding interest payments. At the close of each billing cycle, you have a grace period of 25 days to pay your balance. If you do, you won’t pay interest on your purchases.
  • Avoiding fees. Late and returned payments come with hefty fees of up to $38. Balance transfers and cash advances also come with fees.
  • Customer service. According to J.D. Power, cardholders give American Express high marks in customer service. Call or email for assistance.

Bottom line

Blue from American Express offers universal rewards and payment flexibility for no annual fee.

If you’re looking for more robust rewards or a specialized rewards program, you may want to look into other cards that could better suit your needs.

Common questions about the Blue Card

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