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American Express Blue
Low APR Credit Card

Home Low APR Credit Card American Express Blue


No annual fees
Pay over time
Built in smart chip for security
Membership rewards program
Credit limits of up to $20,000
Cool blue offers and Blue for music
Rewards for using your card
24-Hour Online Account Access

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. And the built-in Smart Chip gives you an added level of security when shopping online. Blue has no annual fee, a competitive 0.00% APR for the first 6 months, and then as low as 9.99% fixed APR, a grace period up to 20 days, and a credit line up to $100,000. 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 ExpressSM.

Blue for Music
Cardmembers with Blue from American ExpressSM can take advantage of Blue for MusicSM, with online concerts, advance tickets sales, and free MP3s. The Blue for Music Web site offers exclusive footage of popular artists, artist interviews and Q&As, daily music polls, and more. And the Web site provides access to a multimedia player for streaming music, seeing full-length videos, and tuning into the Blue for MusicSM radio station. All this makes Blue the grooviest plastic since vinyl!

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

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

Transfer Balances Fee-Free
Transfer balances from your higher-rate MasterCard®, Discover®, and Visa®: cards to your American Express®: Card account with no transaction fee! Then enjoy the low APR: 9.99% for life of balance!

Membership Rewards Options Program
Blue also comes equipped with the highly advanced rewards program, Membership Rewards OptionsSM. Virtually all your Blue purchases can earn you points toward all kinds of great travel and retail rewards - from partners such as Continental Airlines®, Crate & Barrel, Footlocker, Avis, and Saks Fifth Avenue. And it's so easy to redeem points by phone, mail or the Web. Best of all, it's totally fee-free.

CoolBlueOffers®
With CoolBlueOffers, you receive special bonus offers and savings deals just for using Blue at the participating merchants, such as gap.com, clinique, origins, the Right Start, Bluelight.com and more.

The Smart Card Reader
The Smart Card Reader enables you to take advantage of the enhanced online security provided by Smart Chip Private Payments. Smart Chip Private Payments provides a secure, temporary transaction number to use instead of your actual Card number when shopping online. The Reader ensures that only you have access to this feature from your PC. Simply insert Blue into the Reader, enter your PIN (Personal Identification Number), and use Smart Chip Private Payments to shop online with confidence.

Your Year-End Summary
Your Year-End Summary of charges can take the hassle out of bookkeeping. All your Card purchases will be conveniently itemized and listed in categories, such as lodging and merchandise. It's an indispensable tool for preparing taxes and budgeting. To receive your Year-End Summary, call 1-800-430-1000.

Unparalleled Customer Service, 24 hours a day
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
Return Protection lets you return a covered item purchased with the Card [ even if you purchased it online ] when the merchant won't take it back. Just contact us within 90 days of the purchase, and you will be credited for the full purchase price, up to $300 per covered item.

Best Value Guarantee
With the Best Value Guarantee, you'll pay the lowest price available on items purchased with the Card. If you see a covered item advertised in print for less than you paid within 60 days of the purchase date, we'll refund the difference to you, up to $250 per item.

Buyer's Assurance
The Buyer's Assurance Plan extends the terms of the original manufacturer's warranty on a covered product purchased entirely with the Card up to one additional year on U.S. warranties of five years or less.4

Purchase Protection Plan
The Purchase Protection Plan provides added protection-at no extra cost-for accidental damage to or theft of covered items purchased with the Card.

Car Rental Loss and Damage Insurance
Car Rental Loss and Damage Insurance offers security when you rent a car with an eligible card. Simply use the eligible Card to reserve and pay for the rental, and decline the collision damage waiver usually offered by the car rental company.

Emergency Card Replacement
Enjoy the security and convenience of access to Emergency Card Replacement services by calling 1-800-964-8542 or visiting one of over 1700 Travel Service Office locations worldwide.

Express Cash
Access your credit line 24 hours a day at more than 475,000 ATMs worldwide with Express Cash. To activate Express Cash, simply call 1-800-CASH-NOW (1-800-227-4669).

Global Assist® Hotline
Whether you're close to home or traveling abroad, the Global Assist Hotline offers valuable pre-trip information, including visa and inoculation requirements, customs and VAT regulations, and foreign exchange rates, as well as medical and legal referrals.

Travel Accident Insurance
Travel Accident Insurance provides up to $100,000 in accidental death and dismemberment insurance while traveling on a common carrier (plane, train, ship, or bus.
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