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Balance Transfer to Blue Sky Blue Sky®


Blue Sky
Intro APR: 0%

 Issuer: American Express
The Sky's the Limit with Blue Sky
Blue Sky from American Express is a credit card designed to unlock the world of travel rewards. Blue Sky gives you the freedom to save on any flight, hotel, rental car, or cruise-at any time, without blackout dates or travel restrictions.

You earn 1 point for every dollar you spend, and you can use the points for cash savings up to the full cost of your travel purchases, even after you make your best deal.
  • Save $100 with 7,500 points
  • Save $200 with 15,000 points
  • Save $400 with 30,000 points, and on and on
Of course, Blue Sky gives you flexibility and independence, too. You can pay for your purchases in full or over time. There's no annual fee, a grace period of up to 20 days, and you'll get a 0.00% Intro APR for the first six months.

Your charges are covered by American Express' Fraud Protection Guarantee.
Use the American Express® Card online or off, and you won′t be held responsible for any fraudulent charges. Period. No fine print, no deductible – just pure protection, so you can shop with confidence.




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As soon as a student is done with high school and enters the wonderful world of college they are bombarded with credit cards specifically targeted at students. Although credit card companies pitch them as a way for students to establish their credit for the future they can just as soon be a way for student to get into debt, stay in debt and destroy their credit.

Before jumping in with both feet a student needs to understand how a credit card works and what they can do to avoid sinking in debt which becomes a burden on them for a long time if not for the rest of their lives.

What exactly is a credit card? Many students might assume wrongly that a credit card is a simple plastic for spending when they might not have the money to pay for their purchases right there and then. A credit card is really a debt loan from a financial institution to you. They offer you a loan to make your purchase with the expectation that it will be repaid, but more importantly repaid on their time, as in when they stipulate that it should be repaid. Most credit card companies give a month for all outstanding purchase loans to be repaid. That is the key part of the loan equation that many students miss and how your credit card can get you into a financial mess.

When the loan is not repaid in full within that time frame the credit card company charges an interest on your credit card, but on what in reality is a loan. The interest is a charge on the overdue balance and is usually a fixed percentage. In reality that is the beginning of the great debt burden. Here is why.

You see when the full loan or the full charge on the credit card is not paid up the interest charges start to mount and mount on top off each dollar and cent owed. When it eventually gets to the point where only the minimum due is being paid you are in reality only paying the interest charges and not the balance on the credit card. This is where the problems start because you might never be able to pay off the credit card balances and will become stuck with debt.

So before a student gets that credit card he or she needs to look at a couple of things before deciding on which credit card to get and more importantly how to manage the credit card.

First they need to look at the annual percentage rate, the grace period which is the amount of time that is given to make good on all payments, and most importantly the interest rate as this determines the monthly charge on your credit card purchases and can sometimes even cause you to go over your card limits. You need to also know what the spending limit on your card is so you stay within the purchasing power of your card. There are usually other fees attached which vary from credit card company to credit card company which needs to be paid attention to and assessed before picking a credit card.

No matter what people think student credit cards are a way to build your credit and having a credit history is very important for almost every facet of society. It impacts your ability to get loans, own a car or an apartment, buy a house and just about anything you can think of. So think before you get that credit card remember to be careful and use it wisely.


  • Transfer your balance to Blue Sky®

  • When it comes to money, planning and preparation is always a good idea. While things might not always follow your plan, the plan itself will help keep your finances focused on your goals.

    But why is it really that important? Your parents probably didn't have a financial plan. But we aren't living in the same world anymore. Credit is out of control. People live longer. Social security is always at risk in the future. Health care for the elderly isn't cheap by any means. Planning is important for many reasons.

    A financial plan will help protect you and your family from many risks, such as not having a home, going bankrupt, losing everything you own in a lawsuit and other disasters. These events can be caused by a variety of happenings, such as injuries, illness, death and credit cards.

    By having a financial plan, you are protecting your family's finances. You have the proper life, homeowners, auto and disability insurance. You have a will. You have an emergency fund. You have little debt and a lot of credit. You have equity in your home.

    All those things might seem like a wonderful dream. But they aren't just a dream. They can be a reality through -- you guessed it -- financial planning.

    Total consumer debt in the US is in the trillions, not counting home mortgages. Research shows that Americans have between 8 and 10 credit cards each. The average consumer has a credit card balance of $8,400 per card.

    Debt makes it impossible to save for your future. If you want your to pay for your child's college, you have to get rid of your debt. If you want to retire comfortably, you have to get rid of your debt. Your financial plan should focus first on debt reduction, then on saving.

    Why save? Because you will probably live until you are 90. Maybe even 100. People are living much longer. You will have to have a lot of savings to support yourself for 35 years after you retire. Most financial planners say that you should plan to live until you are 95, though that could be a low figure.

    Financial planning gives you a better quality of life. You have less stress and enjoy your daily life more. You are able to pay for things without credit, such as your daughter's college education some day. You are able to drive a nice car without the large payment. You can buy a home for your family. You can retire when you want to.

    You aren't hounded by creditors. You aren't trying to stretch pennies into dollars. You aren't awake at night wondering how you'll survive.

    You have a plan that provides for you and your family. No, you can't prepare for everything. Despite the greatest plans, life has its own ideas. But a plan is beneficial to your present and your future. Take the time and form a financial plan. It will pay you back tenfold.


  • Raise your credit score with a help of Credit-Rocket! Read the Chase credit card reviews
  • Tired of high charges? Find the best database for credit cards! Read the fine print and find the Annual Percentage Rate (APR). This is the interest rate the companies charge you if you carry a balance. You want the lowest rate possible; as each percentage point drop will save you money on the months you have an outstanding balance.