Frequently Asked Questions
About BLUE from American Express

What is the difference between the American Express Blue credit card and a traditional American Express credit card?
Blue from American Express allows you to carry a balance from month to month, while traditional American Express cards must be paid in full each month. You can compare the difference between various American Express cards on our card comparison page.

What is the credit limit on Blue from American Express?
Your credit limit will vary, depending on several factors including your credit rating, credit history, and income. It can be as high as $100,000.

Does American Express Blue have an annual fee?
No! There is no annual fee!

What type of credit do I need to qualify for Blue from American Express?
American Express Blue credit cards are normally given to those with a very good to excellent credit rating.

Do American Express Blue credit cards come with online fraud protection?
Absolutely! It's important for you to know that your online credit card transactions are secure and that you're not responsible for unauthorized charges. Plus, Blue from American Express provides additional security features (like the Smart Card reader that provides temporary credit card numbers) you won't find with other credit cards.

What kinds of rewards are available with American Express Blue?
American Express Blue comes with the option to enroll in the Free Rewards Program. This will allow you to earn points for purchases that are redeemable for free rewards including airline, hotel, brand name merchandise and gift certificates.

How about American Express Membership Rewards?
We've recently upgraded our BlueLoot members to American Express Membership Rewards Options, that offer a greater selection of rewards so that you can redeem points when and where you want. And there is no membership fee!

What are CoolBlueOffers?
We've partnered with numerous merchants to bring you special bonus offers and savings from stores like Gap.com, Sharper Image, Origins, and many more!

Can I transfer balances from my other credit cards?
Yes, you can transfer balances from your higher-rate MasterCard, Discover, and Visa credit cards to your American Express Card with no balance transfer fee. Then enjoy the low APR-9.99% for life of balance, on balance transfer requests submitted with your application.

Can I get an American Express Blue credit card for my business?
Yes, you can get a Blue for Business and enjoy many of the same benefits of the personal Blue card. For more information, view our Blue for Business page.

What is the purpose of this website?
This site was built to provide consumers with useful information about the American Express Blue card and help explain the difference between the different American Express credit cards.

Can I apply online?
Yes, it's fast and easy to apply online.