The American Express Blue Card is the no annual fee version of their traditional charge cards. It is a reward credit card based on the Membership Rewards Express, which is the lower tier version of the card. So how good is this reward card compared to others. Well, let’s take a close look.
The Amex Blue Card allows you to earn one point for every dollar that you spend on the card. Memberhship Reward points do not not expire and can be used to redeem for a wide variety of things (more on that later). There is no annual fee for this card and the APR will vary based on your credit history (see terms and conditions for the range of APRs). The design of the card resembles that of the Blue series. It is actually clear plastic with the Blue square in the middle. The design is similar for the Blue Cash and Blue Sky Cards as well.
Before Amex got into the credit card business, their cards were primarily charge cards. Well, the charge cards have annual fees and you are required to pay in full (although there are some leeway now so you don’t have to pay in full). Because the market for no annual fee cards exploded, Amex decided to get into the market. But is order to have a no annual fee credit card with similar rewards as the charge cards, Amex introduced the Blue Card and the main difference is that unlike the regular Membership Rewards program, you cannot transfer points into frequent flier miles or frequent guest miles. But almost every other rewards is the same. So let’s explore their rewards.
Membership Rewards Options – One of the main features of the regular membership rewards program is that you can transfer points to frequent flier miles and frequent flier points of their partners (and they do have quite a lot of partners). Because the Blue Card has no annual fee, this feature is not available for Blue cardholders. But here’s what’s available.
If you wish to use your points for travel, all you have to do is simply use the Amex Travel site to book your tickets. You can either use your points to pay for it or just use your Amex Blue Card, or use a combination of points and cash if you do not have enough points. The travel site is powered by Travelocity so you will have access to the same flights, hotel rooms, cruise and car rentals as if you went to Travelocity itself.
You can also exchange your points for gift cards. The one thing I like about Membership Rewards Gift card is that unlike other programs, they have not actually devalued their program. For example, 1000 points gets you a $10 gift card, 2500 points gets you a $25 gift card. Other programs like Citi’s ThankYou Rewards used to have the same point requirements but now for example, require 6500 points for a $50 gift card instead of only requiring only 5000 points like the Membership Reward points.
As with most credit card reward programs, you can also exchange points for merchandise products and on this front, I have to say that the Membership Rewards program has probably the best and most comprehensive list of merchandise products available in any credit card reward program.
Concluding thoughts – As a reward card, the Amex Blue is a pretty good card for those looking for a good no annual fee card. If all you are looking for is travel rewards and you are not the sort of person to transfer points to frequent flier points, then this is a really good card. Because the Amex travel site is powered by Travelocity, that means any flight you book is planned by you and obviously, there will be no blackout dates. city guide . If you are looking to use rewards for gift cards, perhaps a better to consider would be the Discover More Card because they have more gift card partners.
But overall, I would say that those looking for a no annual fee rewards card will be pleased with this one.