Blue from American Express™

Membership Rewards ExpressSM program 0% APR on purchases for up to 15 months No annual fee Low Balance Transfer APR - 4.99% Fixed APR for the life of the balance. Blue is your launch pad to standout shopping and entertainment rewards and one-of-a-kind experiences. 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%* up to 15 months* As low as Prime + 4.99%* None* Yes* Excellent Credit*

Review: Blue from American Express®

Type of credit needed: Above Average to to Excellent Credit

Type of card: Rewards/Low APR

Issued by: American Express™

Overview: The Blue from American Express card features high limits, no annual fee, and a low introductory APR. One of the most attractive features of this card is that cardholders can enroll in the Membership Rewards Express Program at no additional cost. Points are earned by using the card to make purchases, and they can be redeemed for gift certificates, hotel stays, plane tickets, and other products and services. Unlike some other cards, there are no limits on the number of points that can be earned, and points never expire. It may even be possible to combine them with travel points earned on other accounts. The card also allows individuals to take advantage of many of the perks offered by American Express, including protection for unauthorized purchases, travel insurance, and car rental insurance. Online account access, insurance for lost luggage, and travel accident insurance are also available.

Pro and cons of the card:

Pros:

• No annual fee
• Low introductory APR
• High limits
• Enrolling in the Membership Rewards Express Program is free
• Earn points for purchases
• No limits on point earnings
• Points never expire
• Points can be redeemed for travel, gift certificates, and merchandise
• Points can often be combined with those earned on other accounts
• Online account access

Cons:

• High cash advance interest rates
• The introductory rate term varies

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

Security Notice: All Applications utilize Secure SSL Technology for secure transmissions.

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