Amex Blue Card Review | The Ascent


What could be improved

This card has has some areas that could be improved upon:

Rewards rate

While other American Express cards come with bonus categories that will net you 2 or 3 points per $1, the vast majority of your purchases with this card will only get you 1 point per $1. That rewards rate falls short of what some credit cards for average credit offer. Terms apply.

Point redemption options

Although this card technically earns Membership Rewards points, it doesn’t offer the full range of redemption options you’d get with other American Express rewards cards. You can’t transfer points to any of the airline or hotel partners in that rewards program, and transfers tend to offer the most value.

Most of the ways you can redeem your rewards with this card will only get you between $0.005 and $0.007 per point. At best, you can get up to $0.01 per point if you use your points to purchase gift cards. Terms apply.

No welcome bonus

You won’t get any bonus points for opening the Amex Blue Card. When comparing credit cards, other American Express cards provide a welcome offer.

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Foreign transaction fee

You’ll be charged a 2.7% foreign transaction fee on all purchases made abroad, so this isn’t a great card to travel with. To avoid these charges, you’ll need to use a different card when traveling abroad. (See rates and fees.)

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