Is Blue from American Express® worth it? Overall, the Blue from American Express® card is a modest but solid option for cardholders who don't yet have a high enough credit score to qualify for a more lucrative point rewards or travel card.
Blue Sky from American Express® Card's Rewards
Earn 1 point for every eligible dollar you spend. Every 7,500 points that you earn can be redeemed for a $100 statement credit toward travel purchases made on the Card.
American Express is one of the leading card issuers in the United States. It's known for its top-notch customer service and some of the best rewards available. From ultra-elite business travel cards to everyday rewards, American Express has credit cards that are a good choice for many different types of cardholders.
Here's what we know about Amex Blue Cash Everyday credit scores: The Amex Blue Cash Everyday credit score requirement at least 700. That means you'll need at least good credit for approval.
The Blue Cash Everyday Card from Amex is a cash-back credit card. As such, the redemption process is relatively straightforward. Specifically, you earn cash-back rewards in the form of Blue Cash reward dollars. And you can redeem reward dollars for statement credits whenever your reward dollars balance is $25 or more.
A full list is available online. All other purchases earn 1% back. Amex EveryDay also offers rewards on up to $6,000 spent at U.S. supermarkets each year but provides a lower earning rate: 2 points per $1. ... But all things considered, Blue Cash Everyday wins this category, thanks to its higher earning rates.
The best American Express Blue Card benefits include 2 points per $1 on travel purchases and no annual fee. You can also enroll in a free membership to ShopRunner, the online rewards store. Other Amex Blue Card benefits include protections for purchases and returned items and car rental insurance.
Annual Fee: $0 intro annual fee for the first year, then $ 95. after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $300 back in the form of a statement credit. Plus, $0 intro annual fee for the first year, then $95.
How You Earn
The different fees often make or break a deal for a merchant. This is why many merchants, especially small businesses, don't accept American Express. American Express' interchange fee is just too high. Providers like Visa and Mastercard charge between 1.5% and 2.5%, while Amex charges merchants between 2.5% and 3.5%.
Centurion® Card from American Express
Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.
The easiest American Express credit card to get is the USAA Secured Card, so long as you're eligible for USAA products. Ifyou're not, you might want to focus on one of the Amex cards that require good credit, like the Amex EveryDay Credit Card.
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