Blue from American Express®

0% APR for up to 15 months - Get Blue from American Express®

APR for Balance Transfers: 4.99% (for Life of Balance)
Balance Transfer Fee: None if submitted with this application*
Intro APR for Purchases: 0.00% (for Up to 15 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: Membership Rewards® Points
Late Fee: $19-$38
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Issuer: American Express Co.

Blue from American Express® has no annual fee, a 0% Intro APR*, and a Membership Rewards Express® program!

• Enjoy the low APR — Enjoy a 0% APR on purchases for up to 15 months.
  
• Low Balance Transfer APR — 4.99% Fixed APR for the life of the balance.
  
• Fee—Free Rewards Program — Earn points redeemable for travel, merchandise, and more.
  
• Online Fraud Protection Guarantee — protects you against unauthorized purchases online.
  
• No Annual Fee
  

Fundamentals of the Card:

Redefine What a Credit Card Can Do
Blue from American Express® is a credit card that adapts to your needs. It's designed to give you more flexibility and independence. You can pay for your purchases in full or pay over time. Blue has no annual fee, a competitive 0.00% APR for up to the first 15 months and a grace period up to 20 days. Additional Cards are fee-free, so you can share virtually all the benefits and services with your friends or family members. Define financial control on your own terms with Blue from American Express®.

Enroll in Blue's free rewards program
Enroll in Blue's Membership Membership Rewards Express® program and start earning points toward incredible rewards from the places you love to shop. Once enrolled, you can earn one point for virtually every dollar you charge with Blue. Buy gas - earn points. Dinner with friends - earn points. You get the idea. Points can quickly add up and may be redeemed for great entertainment, retail, and travel rewards as well as once in a lifetime experiences!¹

Transfer Balances Fee-Free
Transfer balances from your higher-rate MasterCard®, Discover®, and Visa®, cards to your American Express®, Card account! Then enjoy the low APR: Fixed rate of 4.99% for life of balance (until the balance is completely paid off), on Balance Transfer requests submitted with this application (transition fees apply).²

Access Your Account Online
You can view up to date billing information online, including transactions, charges, and payments.

Use ExpressPay for a smooth ride at the register
Checking out is a breeze with Blue's built—in ExpressPay feature, a payment technology that lets you make purchases without having to swipe your Blue from American Express Card. Whether you're picking up a cup of coffee or a pack of gum, just hold Blue up to the reader right by the register...and you're off. There's no slip to sign and you'll still get a receipt if you'd like. Already used at thousands of locations nationwide, ExpressPay gives you an easy way to pay for all the little things you buy every day.

Online Fraud Protection Guarantee
Use the American Express® Card online or off, and you won't be held responsible for any unauthorized charges. Period. No fine print, no deductible — just pure protection, so you can shop with confidence.

The Online Year-End Summary
The Online Year-End Summary of Charges gives you access to important information 24 hours a day, seven days a week. Flexible features make organizing your expenses a snap. You can download the Summary and print it out; sort charges by date, merchant name, or charge amount; review charges made within a category, such as Travel and Restaurant. Your Year End Summary is an indispensable tool for preparing taxes and budgeting.

Shopping with the Card

Dedicated Customer Service
American Express is here to help you around the clock, with the kind of Customer Service that keeps Cardmembers loyal for a lifetime. For immediate service, call the phone number on the back of your Card.

Return Protection
If you try to return a designated item within 90 days from the date of purchase and the merchant won't take it back, American Express will refund the full purchase price, up to $300 per item, excluding shipping and handling and up to a maximum of $1,000 annually per Card account. ³

Buyer's Assurance
With the Buyer's Assurance Plan, you can shop worry—free knowing that the terms of the original manufacturer's warranty will be matched up to one additional year, on warranties of five years or less that are eligible in the U.S. ⁴

Purchase Protection Plan
Shop with confidence and the Purchase Protection Plan, which protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase. ⁵

Traveling with the Card

Car Rental Loss and Damage Insurance
Relax and enjoy the ride when you use your eligible Card to reserve and pay for an auto rental! The Car Rental Loss and Damage Insurance Plan provides coverage for theft of or damage to most rental vehicles. Simply decline the collision damage waiver (CDW) or similar option offered by the Commercial Car Rental Company. This coverage is excess to your other sources of insurance. Coverage applies for the first 30 days of an auto rental if rented from a Car Rental Company. Just call 1-800-338-1670 for more information and eligibility requirements. ⁶

Emergency Card Replacement
Enjoy the security and convenience of access to Emergency Card Replacement services by calling 1-800-964-8542.

Global Assist® Hotline
Whenever you travel more than 100 miles from home, you have security and peace of mind 24/7 with medical, legal, financial or other emergency assistance, including medical and legal referrals, visa/passport help, cash access, lost luggage and more. ⁷

Travel Accident Insurance
Travel Accident Insurance provides up to $100,000 coverage for accidental death and dismemberment insurance while traveling on a Common Carrier Conveyance (plane, train, ship, helicopter, or bus) when the entire fare has been charged to the Card. ⁸

Please view the Card Terms & Conditions for more information.


¹ Terms and Conditions for the Membership Membership Rewards Express® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.


² For every balance transfer transaction or convenience check transaction you make in response to this offer, you will be charged a transaction fee equal to 3% of the transaction, with a minimum of $5 and a maximum of $99 (no maximum for checks considered Cash Advances). These fees are Finance Charges.

³ Coverage is limited to $300 per item, excluding shipping and handling and up to a maximum of $1,000 annually per Card Account and is subject to additional Terms, Conditions and Exclusions.

⁴ Buyer's Assurance Plan is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the terms, conditions, and exclusions of Policy AX0953 and is subject to change with notice. This document does not supplement or replace the Policy.

⁵ Purchase Protection Plan is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the terms, conditions, and exclusions of Policy AX0951 and is subject to change with notice. This document does not supplement or replace the Policy.

⁶ Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0925 and is subject to change with notice. This document does not supplement or replace the Policy.

⁷ While the many Global Assist Hotline coordination and assistance services are free benefits from American Express, Cardmembers are responsible for the costs charged by third-party service providers.

⁸Travel Accident Insurance is underwritten by AMEX Assurance Company, Administrative Office, De Pere, WI. Coverage is determined by the terms, conditions and exclusions of Policy AX0948 and is subject to change with notice. This document does not supplement or replace the Policy.

See web site for complete terms & conditions