American Express Credit Cards Review 2015

Blue Card Everyday from American Express

The AMEX Blue Card is great way to start using credit cards, the card comes with 0% introductory APR and for balance transfer for first 18 months. Moving your high APR balance to Blue Card is a good option. The Blue Card also comes with added benefits such as no annual fees, cash back, and other benefits such as roadside assistance, shopping and entertainment deals for card holders.

Balance Transfer details $5 or 3% charges on your balance transfer. Most likely you will get charges 3% as very few will move few hundred dollar to new card. $5 or 3% on Cash advances taken on Blue Card 2.7% charge on each foreign transaction converted to US dollar. Penalty of $38 for returned and missed payments. As long payment is made before due date no interest is charged.

Blue Cash Everyday Credit Card Features Available as 0% APR and Balance transfer Offer available for first 15 months After introduction offer, rates are from 12.99% to 21.99% $50 cash back when card holder spends first $1000 Earn cash back , which can be redeemed as cash towards purchases or pay for the monthly bill. Card holders are eligible for one year of Amazon Prime, if they spend $1000 in first three months. APR for cash advances - 25.24 (Avoid a much you can) Penalty APR 27.24 based on market prime. Applicable when payments are returned or missed payment more than 2 cycles.

Read more on Blue Card Everyday benefits.

AMEX Everyday Credit Card Review

Everyday Credit Card Review

No Annual fees No Annual fee, if you order additional cards. 0% APR and balance transfer for first 15 months. After introductory rate is over new rate from 12.99 to 21.99 Credit score to be very important factor after introductory rate is over. Get one year of amazon prime when card holder spends $1000 in first 3 months. Receive 10000 points when the spend threshold of $1000 is met in first three months.

American Express Terms and Conditions for AMEX everyday credit Card.

Source: American Express

Annual Percentage Rate (APR) for Purchases		0.0% introductory APR for the first 15 months. After that, your APR will be 12.99% to 21.99%, based on your creditworthiness and other factors as determined at the time of account opening. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers		0.0% introductory APR for the first 15 months on balance transfers requested within 30 days of account opening. After that, your APR for those transactions and any other balance transfer requests, if we accept them, will be 12.99% to 21.99% based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate
APR for Cash Advances		25.24% - This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies		27.24% - This APR will vary with the market based on the Prime Rate. This APR will apply to your account if you: 1) Make one or more late payments; or 2) Make a payment that is returned
Paying Interest		Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Annual Membership Fee		$0 annual fees
Transaction Fees Cash Advance Foreign Transaction		Either $5 or 3% of the amount of each transfer, whichever is greater. Either $5 or 3% of the amount of each cash advance, whichever is greater. 2.7% of each transaction after conversion to US dollars

American Express TrueEarnings Credit Card Review

Highlights and Benefits for TrueEarning Card

No Annual fee 0% APR introductory rate for first 6 months. After that a variable rate, which is currently at 15.24% Earn 2% back on purchase at Restaurants Earn 1% on other purchases. Earn 3% on gas purchase Costco sends annual reward coupon , which can be redeemed at Costco on purchases. Additional benefits such as Roadside assistance, shopping, and entertainment deals from American Express.