AMERICAN EXPRESS BLUE FEATURES A 0% APR WITH NO BALANCE TRANSFER FEE   

American Express Blue (Blue is the points card) Benefits & Features in detail:

• 0% Introductory Annual Percentage rate for up to 15 months*
• 4.99% Fixed APR on your credit card balance transfers – Great solution for transferrring a balance long-term
• Up to 5% cash back on purchases
• Exciting free rewards program
• Amex Blue Cash has a built-in smart chip for added security
• Choose to carry a balance or you can choose to pay balance in full
• No annual fee with American Express Blue

What Blue Can Do For You
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. Blue has no annual fee, a competitive 0.00% APR for up to the first 15 months and a grace period up to 20 days. 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 Express®.*

American Express Blue Rewards Program
Enroll in Blue's Fee-Free Rewards Program and start earning points toward incredible rewards from the places you love to shop. Once enrolled, you can earn one point for virtually every dollar you charge with Blue. Buy gas, earn points. Dinner with friends, earn points. You get the idea. Points can quickly add up and may be redeemed for great entertainment, retail, and travel rewards as well as once in a lifetime experiences! American Express Blue Rewards program is one of the best Reward Programs currently offered.

Blue PLAY® - An Online Auction Site
Cardmembers enrolled in Blue's fee free rewards program, have access to Blue PLAY - an online auction site where eligible Cardmembers can win incredible experiences. At Blue PLAY the points you earn - just by charging with Blue - can be used to bid on rewards like VIP passes to movie premieres, great packages to sporting events and more!

Blue for Music®
Announcing a new partnership with Warner Music to present Blue from American Express® Cardmembers with special offers. Get discounts on CD's, download featured songs, enter contests for concert tickets and other music merchandise and more.

American Express Blue 0% No Balance Transfer Fee
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: Fixed rate of 4.99% for life of balance (until the balance is completely paid off), on Balance Transfer requests submitted with this application.

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

ExpressPay
Checking out is a breeze with Blue's built-in ExpressPay feature, a payment technology that lets you make purchases without having to swipe your Blue from American Express Card. Whether you're picking up a cup of coffee or a pack of gum, just hold Blue up to the reader right by the register...and you're off. There's no slip to sign and you'll still get a receipt if you'd like. Already used at thousands of locations nationwide, ExpressPay gives you an easy way.

CoolBlueOffers®
With CoolBlueOffers, you receive special bonus offers and savings deals just for using Blue at the participating merchants.

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

Your Year End Summary: Now Available Online
Your new Online Year End Summary of Charges gives you access to important information 24 hours a day, seven days a week. Flexible features make organizing your expenses a snap - download the Summary and print it out; sort by date, merchant name, or charge amount; review charges made within a category, such as Travel and Restaurant. Your Year End Summary is an indispensable tool for preparing taxes and budgeting. You may also receive a paper Year End Summary in the mail by calling the number on the back of your Card.

Dedicated Customer Service
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
If you try to return a designated item within 90 days from the date of purchase and the merchant won't take it back, American Express will refund the full purchase price, up to $300 per item, excluding shipping and handling.*

Buyer's Assurance
With the Buyer's Assurance Plan, you can shop worry-free knowing that the terms of the original manufacturer's warranty will be matched up to one additional year, on warranties of five years or less that are eligible in the U.S.*

Purchase Protection Plan
Shop with confidence and the Purchase Protection Plan, which protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase.*

Car Rental Loss and Damage Insurance
Did you know that you are covered under the Car Rental Loss and Damage Insurance Program - at no additional charge? Simply use your Card to reserve, and pay for an auto rental. See the Description of Coverage or call 1-800-338-1670 for full details.*

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.

Global Assist® Hotline
Whenever you travel more than 100 miles from home, you have security and peace of mind 24/7 with medical, legal, financial or other emergency assistance, including medical and legal referrals, visa/passport help, roadside assistance, cash access and more.*

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) when the entire fare has been charged to the Card.*

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American Express Blue Cash (Blue Cash is the cash-back card): Benefits & Features in detail:       

Earn Up to 5% Cash Back:
Blue Cash offers you a great way to earn up to 5% cash back combined with a 0% introductory APR. You can earn cash back on everything you buy, and earn cash back even faster at supermarkets, gas stations, drugstores, and home improvement stores. There's no minimum spending required, so you can start earning cash back right away.1

Pay Your Bills with the Card and Get Cash Back
Pay your regular monthly bills automatically with Blue Cash and start earning cash back on everything from telephone and cable bills to parking and transportation expenses. Special payment features may not apply to all long distance calling plans. Not all providers service all markets.

Earn Cash Back Even Faster with an Additional Blue Cash Credit Card
Additional Cards let you share virtually all the benefits and services of the Card with friends or family members. What's more, additional Cards can earn you up to 5% cash back. So go ahead and request your fee-free Additional Cards when you activate this one. Additional Cards can be issued to qualified individuals over the age of 18.

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 (for this offer. Fees may apply thereafter). Then enjoy the low APR: a fixed rate of 4.99% for life of balance (until the balance is completely paid off), on Balance Transfer requests submitted with this application.

Your Year End Summary: Now Available Online
Your new Online Year End Summary of Charges gives you access to important information 24 hours a day, seven days a week. Flexible features make organizing your expenses a snap - download the Summary and print it out; sort by date, merchant name, or charge amount; review charges made within a category, such as Travel and Restaurant. Your Year End Summary is an indispensable tool for preparing taxes and budgeting. You may also receive a paper Year End Summary in the mail by calling the number on the back of your Card.

Dedicated Customer Service
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.

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

CoolBlueOffers®
With CoolBlueOffers, you receive special bonus offers and savings deals just for using Blue at participating merchants.

Free Music:
Get 1 free song for every 10 you download at MSN Music.

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

Return Protection
If you try to return a designated item within 90 days from the date of purchase and the merchant won't take it back, American Express will refund the full purchase price, up to $300 per item, excluding shipping and handling.2

Buyer's Assurance
With the Buyer's Assurance Plan you can shop worry-free knowing that the terms of the original manufacturer's warranty will be matched up to one additional year, on warranties of five years or less that are eligible in the U.S.3

Purchase Protection Plan
Shop with confidence and the Purchase Protection Plan, which protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase.4

Car Rental Loss and Damage Insurance
Did you know that you are covered under the Car Rental Loss and Damage Insurance Program - at no additional charge? Simply use your Card to reserve, and pay for an auto rental. See the Description of Coverage or call 1-800-338-1670 for full details.

Emergency Card Replacement
Enjoy the security and convenience of access to Emergency Card Replacement services by calling 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 500,000 ATMs worldwide with Express Cash. To activate Express Cash, simply call 1-800-CASH-NOW (1-800-227-4669).6

Global Assist® Hotline
Whenever you travel more than 100 miles from home, you have security and peace of mind 24/7 with medical, legal, financial or other emergency assistance, including medical and legal referrals, visa/passport help, roadside assistance, cash access and more.7

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) when the entire fare has been charged to the Card.8

Assured Reservations
Use your Blue Cash to book your hotel rooms, and we'll guarantee your room until check-out time the following day.

1 Your annual cash reward for everyday purchases at stand-alone U.S. supermarkets, gas stations, drugstores, and home improvement stores is up to 3%. Stand-alone locations do not include the departments of superstores or warehouse clubs where the standard rebate of up to 1.5% applies. Your annual cash reward for all other purchases is up to 1.5%. You will receive an additional rebate of up to 2% in months in which your account carries a balance. Your cash rewards are limited to $50,000 of annual eligible spending. Balance transfers, purchases of American Express® Travelers Cheques or American Express® Gift Cheques and Cash Advances do not earn a cash back reward. The cash back reward structure is as follows:

Up to $2000 = 0.5% Cash Back on Everyday Purchases. 0.25% Cash Back on Other Purchases

$2,001-$6,000 = 1.00% Cash Back on Everyday Purchases. 0.50% Cash Back on Other Purchases

$6,001 - $50,000 = 3.00% Cash Back on Everyday Purchases. 1.50% Cash Back on Other Purchases

Bonus % if you carry a balance = 2.00% Cash Back on Everyday Purchases. 0.50% Cash Back on Other Purchases

2 Coverage is limited to $1,000 annually per Card Account and is subject to additional terms, conditions, and exclusions. For more information please call 1-800-297-8019.

3 Underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the terms, conditions, and exclusions of Policy AX0953.

4 Underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the terms, conditions, and exclusions of Policy AX0951.

5 Coverage is for theft of or damage to most rental vehicles. The collision damage waiver (CDW) or similar option offered by the Commercial Car Rental Company must be declined. This coverage is excess to your other sources of insurance and applies for the first 30 days of an auto rental if rented from a Car Rental Company. No coverage is provided for vehicles rented in Australia, Ireland, Italy, Israel, Jamaica, and New Zealand. Certain vehicles are not covered and other significant exclusions apply. Coverage is only available to permanent residents of the United States, Puerto Rico, and the U.S. Virgin Islands. Coverage is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. and is subject to the terms, conditions, and exclusions of Master Policy AX0925. See Description of Coverage for full details.

6 All transactions are subject to a 3% or $5.00 fee, whichever is greater, with no maximum. In addition, there is a 1% fee charged for Travelers Cheque transactions. Funds are drawn against cash advance limits, subject to a limit of $1,000-$3,500 (depending on which American Express ® Card is used) every 7 days, and any other limits that banks may impose.

7 While the many Global Assist Hotline coordination and assistance services are free benefits from American Express, Cardmembers are responsible for the costs charged by third-party service providers. For assistance, call 1-800-554-AMEX. Outside the U.S., call collect at 715-343-7977.

8 Underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the terms, conditions and exclusions of Policy AX0948.

Save time with Automatic Bill Payment by using American Express® Blue
Pay your bills automatically with Blue® and simplify your life this year. Why not delegate your bill paying to Blue from American Express®? You can cut back on check writing, stamps, and annoying late fees—and consolidate your bills into one statement. You can also earn cash back* for virtually every bill you pay—which can add up to a lot of dough. Signing up is simple. Just get your Card and your monthly bills together, then call your service providers to request the switch*.

*Apply for Blue® from American Express® to qualify for automatic bill payment.

*See terms and conditions when you click the Apply button.

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* FYI :  This American Express® Blue application uses Secure Socket Technology. Your information is encrypted during the application process which ensures your privacy. American Express Blue rsvp code apply at top.