American Express Blue Credit Card

The American Express Blue credit card has one of the most unusual card designs from all the UK credit card designs available. The card design has a very contemporary design with avery modern looking blue square in the centre of the credit card. This credit card is probably the most distinguishable credit card design from all the cards in the UK.

The most attractive benefit of applying and using the American Express Blue card must be the cash back option. For the first 3 months you will receive a massive 2% cash back on all purchases, when this introductory period runs out you will receive 0.5% cash back on spending levels up to £2,000 then 1% on spending levels exceeding £2,001. There are other cash back credit cards on the market that may be of interest such as the Morgan Stanley Platinum, the American Express Platinum and also the marbles credit card.

The Blue card from American Express has a long term low rate of only 6.9% APR, attempting to attract long term users.

Some great cardholder benefits from American Express

Introductory offer of 2% cash back on all purchases made within the first 3 months
Standard cash back after 3 month intro period as follows:
0.5% cash back on purchases up to £2,000 spending level
1% cash back on spending exceeding £2,000 per year
6.9% on balance transfers for 6 months
6.9% typical APR variable
Online account access
Online fraud guarantee
Travel accident insurance
Refund protection - Up to £200 per eligible item
Purchase protection - Up to £20,000 per year max

American Express Blue credit card is one of the best cash back credit cards on the market, you will have to spend over £2,000 per year to get the standard 1% cash back offer, if your spending is below this level then the better proposition for you may be the Morgan Stanley Platinum, which offers 1% cash back on spending up to £2,000.

However, the Amex Blue card also has other features that are very attractive. Notably the refund protection which will cover you if the store when you purchased any goods using the Blue card refuses and also the purchase protection, which will cover you for loss or theft of any item.

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American Express Blue Credit Card Summary Box

Card Type	American Express
Introductory Balance Transfers	None (6.9%)
Introductory Purchases	No
Annual Fee	Only applicable if you spend less than £500 in 1 year (£15 if spending under £500)
Cash Back Scheme	Introductory offer 2% for 3 months Standard 0.5% up to £2,000 spending per year Standard 1% on amounts exceeding £2,001
Reward Scheme	No
Typical apr variable (purchases)	6.9%
Monthly apr (purchases)	0.56%
Typical apr variable (cash advance)	21.9%
Monthly apr (cash advance)	1.5%
Cash advance fee	2% (min £2)
Minimum Payment	3% (min £5)
Credit Amount	N/A
Charges	Foreign Use 2.73% Duplicate Statement £5 Copies of Records £3

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