Blue Sky® from American Express®

Say good-bye to Travel Reward Restrictions!

APR for Balance Transfers: As low as Fixed 4.99% (for Life of Balance)
Balance Transfer Fee: 3% (minimum $5; maximum $99)
Intro APR for Purchases: 0.00% (for Up to 12 Months)
Ongoing APR: As low as Prime + 3.99% (Currently 8.99%)
Annual Fee: None
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Cash Advance Fee: 3% (minimum $5)
Grace Period: 20 Days
Reward Program: Travel Points
Late Fee: $19-$38
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Issuer: American Express Co.

Blue Sky® from American Express® is a credit card designed to unlock the world of travel rewards. This one of a kind credit card offers members the opportunity to realize savings on any flight, hotel or rental car at any time, without backout dates or seat restrictions! Of course, Blue Sky® gives cardmembers flexibility and independence, too. Purchases can be paid in full or over time. There is no annual fee, a 0% APR for the first six months, and all charges are covered by the American Express' Fraud Protection Guarantee. With Blue Sky®, cardmembers can say good-bye to travel reward restrictions. The sky's the limit.

Key Benefits

• Redeem points to save on any airline, hotel, rental car or cruise — no blackout dates or travel restrictions
  
• Earn 1 point for every dollar you spend
  
• No annual fee and 0% intro APR
  
• World class cardmember benefits including Travel Accident Insurance, Buyers Assurance Plan, and Return Protection
  

WHAT ARE BLUE SKY POINTS GOOD FOR?

When you redeem for the full cost of your travel purchases, Blue Sky points can be good for:

• Free flights (domestic or international) on any airline
  
• Free stays at any hotel worldwide
  
• Free car rentals at any agency
  
• Free trips on any cruise line
  
• AND free travel packages booked through any provider
  (any travel agency, online travel site, etc.)
  

You will accrue one (1) point for each U.S. dollar of net purchases (purchases net of any credit adjustment) charged on your Blue Sky® Card account. Cash and cash equivalent transactions and purchases (including balance transfers, convenience checks and cash advances), finance charges, fees and purchase credit adjustments do not earn points.

Points can only be redeemed for discounts in the form of a statement credit on eligible travel purchases (which are purchases at airlines, hotels, car rental companies, cruise lines, travel agencies, tour operators and on-line travel sites billed to your account and properly submitted as such by the seller). Redemption requests must be made within 60 days from the date the travel purchase appears on your billing statement. Points may only be redeemed in 7,500 increments and each 7,500 Points shall be equal to a credit of up to $100, up to the amount of the eligible travel purchase. Additional terms and conditions apply.

The Sky's the Limit with Blue Sky®:

You earn 1 point for every dollar you spend, and you can use the points for cash savings up to the full cost of your travel purchases, even after you make your best deal.

• Save $100 with 7,500 points
  
• Save $200 with 15,000 points
  
• Save $400 with 30,000 points, and on and on
  

Some FAQ for Express Approval on the Internet

Q. Can I transfer balances online?
A. You can save money by transferring balances from higher rate credit cards. Balance transfers are fee- free and you may request up to 4 balance transfers on your application.

Q. How much can I balance transfer?
A. The minimum transfer amount is $100 up to your available line of credit. Please continue paying the current minimum payment on your existing account until the transfer appears on your new American Express Credit Card account. If your entire balance transfer request exceeds your assigned credit line, we will process your request up to your available line of credit. If the sum total of 2 or more balance transfers exceeds your credit line, we will process the full amount of the requested account balances up to your available credit line, with no or partial payment on the account that exceeds your line of credit. Please see the terms, conditions and disclosures for complete details.

Q. How does the Express Approval process work?
A. With American Express's new Express Approval application process, your online application will be reviewed and processed in less than two minutes. Simply complete the short online application, and upon submission, your information will be transmitted via a dedicated security line for processing. If you're approved, you will receive your card in the mail within 10 days. American Express has developed the technology to systematically process in minutes, what used to take days.

See web site for complete terms & conditions