Blue Sky® from American Express™

Earn points on everything you buy with the Card Redeem points to save on any airline, hotel, rental car or cruise - up to $100 off for every 7,500 points Earn 1 point for every dollar you spend Travel anytime: No blackout dates or restrictions No annual fee and 0% intro APR for 6 months World class cardmember benefits including Travel Accident Insurance, Extended Warranty, and Return Protection" Express Approval. Get a decision in less than 60 seconds. CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 6 months* As low as Prime + 4.99%* None* Yes* Good Credit*

Review: Blue Sky® from American Express®

Type of credit needed: Good Credit

Type of card: Airline Miles & Travel Rewards

Issued by: American Express™

Overview: The Blue Sky from American Express credit card is best for those who travel frequently. There is no additional cost to enroll in the rewards program for this card. Cardholders earn points on every qualifying purchase, and they can be redeemed for a variety of travel-related expenses, including hotel stays, auto rentals, and cruises. Unlike some other travel rewards programs, those using this card do not have to worry about restrictions or blackout dates. In addition, there are no limits on the number of points that may be earned, and points never expire. One downside of the program is that a certain number of points must be earned before they can be redeemed, so the cardholder may not be able to use all of the points on his/her card towards their travel purchase. The card has no annual fee, a low introductory APR, and provides standard American Express benefits.

Pro and cons of the card:

Pros:

• No additional cost to enroll in the rewards program
• Earn points on every eligible purchase
• No limits on point earnings
• Points do not expire
• Redeem points for travel-related expenses like auto rentals and plane tickets
• No travel restrictions
• No blackout dates
• No annual fee
• Low introductory APR
• American Express benefits like return and purchase protection

Cons:

• APR varies depending on credit history
• Must earn a set number of points before they can be redeemed

Excellent Credit 750-850 Good Credit 660-749 Fair Credit 620-659 Bad/Poor Credit 350-619 No Credit 0-0 Do You Know Your Credit Score? Find Out Now!

A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

1. Credit Scores range from 300-850, the higher the better 2. Most lenders base approval on your credit score. 3. Higher Scores mean lower payments and better deals. 4. Higher Scores mean Lower interest rates. 5. Scores are determined by 5 main categories: Payment History Amounts Owed Length of Credit History Type of Credit Used New Credit

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* See the online Americanexpress.com/applyforbluesky (www.americanexpress.com/applyforbluesky) credit card application for details about terms and conditions and offers.