Blue Sky from American Express issued by American Express
	Overall Rating Benefit Rating	Apply online for this card or read on for a full review of all the features.

In-Depth Credit Card Review

This online card application is intended for residents of the United States only. For other country options, please refer to the right hand menu bar. The Blue Sky from American Express is designed for those with very good credit and who plan to take advantage of the reward program. Through the reward program, cardholders receive one point for every dollar spent on all purchases. An unlimited amount of miles can be earned, and miles do not expire as long as the card is active and in good standing. Points can be redeemed for discounts on any flight, hotel, rental car, or cruise, without blackout dates or travel restrictions. Points can only be redeemed toward one purchase at a time in 7,500 increments, which is equal to a credit of up to $100. In addition to the benefits of the rewards program, the Blue Sky from American Express® offers auto rental insurance, an online year-end financial statement, and a unique service referred to as "Return Protection" (cardholders are credited up to $300 for purchases that are non-refundable within 90 days). The card has a reasonably low interest rate for purchases and has no annual fee. In addition, cardholders can take advantage of a 0% introductory rate for purchases (valid for six months) and a low 4.99% introductory rate for balance transfers (valid until the loan is paid off). It is important to note that the introductory rate for balance transfers only applies to those who initiate a transfer when applying online for the card. Therefore, those who plan to take advantage of the reward program, pay in full each month after the introductory rate expires (to avoid finance charges), and will take advantage of the common benefits and services provided by American Express® will benefit most from what the Blue Sky from American Express has to offer. Most Attractive Feature: No annual fee; low introductory rates; free rewards program with no blackout dates or travel restrictions. Least Attractive Feature: Low APR may not be available to all applicants. Apply Now For Blue Sky from American Express Note: The review of this American Express card was updated on 04/25/2008 and is believed to be accurate during the update, however, information posted may have since changed. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application

Key Card Information
Introductory Rates and Terms
Intro Rate:	0% APR for 6 Months
Applied Towards:	Purchases
Details:	A 4.99% introductory rate is available on balance transfers for the life of the loan if a transfer is submitted during the application process.
Miscellaneous Rates and Terms
Credit Limits:	n/a (Maximum)
Purchases APR:	10.24%
Cash Advance APR:	20.24%
Finance Config:	Average Daily Balance (including new purchases)
Grace Period:	20 Days
Fees Associated with this Card
Annual Fee:	$0
Add. Cardholders:	$0
Late Payment Fee:	$19 on balances up to $400 and $38 on balances of $400 and over
Over-the-Limit Fee:	$35
Cash Advance Fee:	3%, $5 minimum for Express Cash transactions
Balance Transfers:	3%, $5 minimum, $99 maximum. However, future balance transfers may incur a fee as disclosed at the time of the applicable transaction.

The Rewards Program Highlights
Optional Reward:	No
Points Per Dollar:	1 Point
	Points can be redeemed for cash savings up to the full cost of travel purchases including any flight, hotel, rental car, or cruise, without blackout dates or travel restrictions.
Expiration:	Points do not expire provided the card remains active and in good standing.

Additional Highlights of Interest

Special Card Benefits and Features Various Internet account related services. Purchase protection. Year-end financial statement (online). Return protection. Extended warranty for purchases. Auto rental insurance. Various travel and emergency assistance services. Emergency card replacement. Up to $100,000 in travel accident insurance. See website for additional benefits. Important Notes Regarding This Offer The APR for purchases varies according to the applicant\'s credit history and will be 4.99%, 6.99% or 9.99% + Prime Rate. Card is currently unavailable to residents of Puerto Rico. See website for complete terms and conditions of card usage and application disclosure.