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Balance Transfer to Blue Cash from American Express Blue CashSM from American Express®


Blue Cash from American Express
Intro APR: 0%

 Issuer: American Express
  • No annual fee
  • Up to 5% Cash Back with Unlimited Cash Rewards
  • 0% Introductory APR; as low as a Prime + 4.99% APR thereafter
  • Up to $100,000 line of credit
  • Choose to carry a balance or pay in full
  • Online Fraud Protection Guarantee--protects you against unauthorized purchases online.
  • Built-in Smart Chip--for added Internet security.
  • Plus, An Exciting, Free Rewards Program

Fundamentals of the Card

Earn Up to 5% Cash Back
Blue Cash offers you a great way to earn up to 5% cash back combined with a 0% introductory APR and a smart chip for added online security. You'll earn cash back on virtually everything you buy, and earn cash back even faster at supermarkets, gas stations, drugstores, and home improvement stores. There's no minimum spending required, so you can start earning cash back right away. 1

Pay Your Bills with the Card and Get Cash Back
Pay your regular monthly bills automatically with Blue Cash and start earning cash back on everything from telephone and cable bills to parking and transportation expenses. Special payment features may not apply to all long distance calling plans. Not all providers service all markets.

Earn Cash Back Even Faster with an Additional Card
Additional Cards let you share virtually all the benefits and services of the card with friends or family members. What's more, additional cards earn you up to 5% cash back. So go ahead and order your fee-free Additional Cards when you activate this one. Additional Cards can be issued to qualified individuals over the age of 18.

Transfer Balances Fee-free
Transfer balances from your higher-rate MasterCard, Discover, and Visa cards to your American Express ® Card account with no transaction fee (for this offer. Fees may apply thereafter). Then enjoy the low APR: as low as a fixed rate of 5.99% for life of balance (until the balance is completely paid off), on BT requests submitted with this application.

Your Online Year End Summary
Your Year End Summary of Charges, available online as of February 5, 2004, gives you access to important information 24 hours a day, seven days a week. Flexible features make organizing your expenses a snap - download the Summary and print it out; sort by date, merchant name, or charge amount; review charges made within a category, such as Travel and Restaurant. Your Year End Summary is an indispensable tool for preparing taxes and budgeting. You may also receive a paper Year End Summary in the mail by calling the number on the back of your Card.

Unparalleled Customer Service, 24 hours a day
American Express is here to help you around the clock, with the kind of Customer Service that keeps Cardmembers loyal for a lifetime. For immediate service, call the phone number on the back of your Card.

Access Your Account Online
You can view up-to-date billing information online, including transactions, charges, and payments.

ID KeeperSM
Now your Smart Chip lets you surf the Web, shop, and manage your finances with ease, security, and convenience! ID Keeper is the new free Web tool that stores your favorite URLs, log-in, and personal data on your Smart Chip, so you'll never have to input them again!

The Smart Card Reader
The Smart Card Reader enables you to take advantage of the enhanced online security provided by Private Payments ®. Private Payments provides a secure, temporary transaction number to use instead of your actual Card number when shopping online. The Reader ensures that only you have access to this feature from your PC. Simply insert your Card into the Reader, enter your PIN (Personal Identification Number), and use Private Payments to shop online with confidence.

CoolBlueOffers®
With CoolBlueOffers, you receive special bonus offers and savings deals just for using Blue at the participating merchants, such as Gap.com, Origins, Sharper Image, and more!





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Many home buyers close their loans, make their payments and don't think about their mortgages again. They don't consider refinancing when they should. If you are among these inattentive homeowners, here are four truths about mortgage refinancing that may surprise you.

Truth #1 – Mortgage Refinancing can save you money. If interest rates have dropped since you got your original loan, refinancing can reduce your monthly payment. When you refinance, you can also choose to shorten your loan term, meaning you will pay less money in interest over the life of the mortgage.

You could also save money by switching from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage. The interest rate on an ARM is based on an index such as the LIBOR or the U.S. Treasury Bill. If they go up, so do your payments. By refinancing to a fixed-rate mortgage, you can prevent payment increases. (Your monthly payment might still increase due to changes in property taxes or insurance, but your principle and interest amounts will stay the same.)

If your original mortgage was for more than 80 percent of your home’s value, you are paying private mortgage insurance (PMI) as part of your monthly payment. As the value of your home increases and the principle on your mortgage decreases, you can get rid of PMI by refinancing for less than 80 percent of your home’s value.

Truth #2 – Mortgage Refinancing is a smart way to access your equity. In the second quarter of 2006, 88 percent of Freddie Mac-owned loans that were refinanced resulted in new mortgages with loan amounts that were at least five percent higher than the original mortgage balances. Homes refinanced during this time had appreciated 33 percent on average since the original mortgage was taken out. The median age of the mortgage was 3.2 years.

“Borrowers who are looking for an inexpensive way to finance home improvements or business investments, or to consolidate high cost debt, are turning to cash-out refinance,” said Amy Crews Cutts, Freddie Mac deputy chief economist. “These borrowers are often willing to refinance into higher rates on their first lien mortgages. . . This is the second consecutive quarter in which the median refinance borrower increased the rate on their first lien mortgage.”

Truth #3 – Mortgage Refinancing is still very popular. According to Frank Nothaft, Freddie Mac chief economist, “The staying power of refinance activity has been much stronger than we initially thought . . . borrowers are reacting to both incentives to cash out home equity through refinance and incentives to change their mortgage as they hit an interest rate adjustment.

Freddie Mac estimates that $500 billion in first lien mortgages will adjust this year and another $650 billion in second liens will see at least one rate change this year. Nationally, home values increased 10.2 percent over the last twelve months.

Truth #4 – Mortgage Refinancing is simpler than getting your original mortgage. Mortgage refinancing is almost always simpler, cheaper and quicker than getting an original mortgage. The process can be handled online at sites like Simple Mortgage Refinancing. The site has helpful articles and offers free, no-obligation loan quotes.


  • Transfer your balance to Blue CashSM from American Express®

  • If you're starting up a business, it can be hard to grasp the terminology you need in order to speak to your bank about funds; when it comes to discussing asset and sales finance, for instance, things can get tricky. It is, firstly, important to know what asset and sales finance is: a service through which banks help businesses obtain a range of equipment, including plant and machinery, commercial vehicles, IT equipment, office furniture and cars. Essentially, sales financing will help you get quick access to cash, while asset financing will help fund business equipment.

    Many banks offer several cost-effective and expedient sales financing solutions; and with such solutions, businesses can find enough working capital to be able to operate. Two sales financing solutions are factoring and invoice discounting. With factoring (recourse and non-recourse),up to 95% of the value of approved invoices can be advanced within a given period of time with the balance being paid on receipt. And while invoice discounting (also recourse and non-recourse) functions in a similar way, there is a crucial difference between the two: in factoring, the client's customers are made aware of the bank's involvement with the business; in invoice discounting they are not.

    Another method of sales financing used by many banks is stock finance; this allows you to release as much as 60% of the funds tied up in eligible stock through a completely flexible system. This will release finance that is usually not available for working capital needs.

    Asset financing solutions will help you gain assets in an economical way, without eating into your cash reserves. As with sales financing, banks will often offer a range of asset finance solutions to its business customers. Hire Purchase, for example, can help you acquire the asset you need right away, but payments can be spread across the life of the asset in question. This may also allow you to keep the asset at the end of your term for a particular fee. Operating Lease asset finance will allow you to benefit from a particular asset, while the bank itself takes on the risk of losing its value; the rental and return conditions for the asset are fixed at the outset.

    Many banks will offer a variety of asset finance products that cover the needs of a wide range of businesses, be they technological or agricultural. Barclays Asset and Sales Finance, for instance, offer a Technology Lease asset finance product to help finance your technology needs, as well as an Agricultural Lease, which offers finance to buy machinery, vehicles and land, as well as many other benefits. So if you're planning to start up a business, or you run an established business in need of asset and sales financing products, check out your bank's asset and sales financing solutions to see what difference they can make.


  • 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.