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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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Apply for Blue CashSM from American Express®

When individuals and families have credit problems, it often turns out to be complicated and tricky to carry on, leave alone obtain a loan to take care of your house. Credit problems can generate a chaotic future and at times this can make people give up optimism. These days, lenders concentrate on assisting individuals and families look for resources to consolidate the debts and take care of their home.

The lenders might estimate the 3 credit reports, and in case the reports demonstrate failure to pay, then they might be unwilling to give a loan. On the other hand, if the reports demonstrate an effort to sort out the debts, then the lender might keep in mind that you encompassed an uphill test; nevertheless you are even now making an effort to pay attention to the debts. The drawback of debt consolidation lending is that a lot of lenders might often offer loans with a high rate of interest and mortgage reimbursements.

If you are on the lookout for consolidating your bills by making use of a mortgage loan, then bear in mind that the lenders might need proof of earnings. This might consist of up to date payment counterfoil. The counterfoils might assist the lender in determining the loan that best suits your requirements. Most of the lenders demand up to 3 yrs of stable earnings to make a decision if you meet the criteria for a debt consolidation mortgage loan.

On top of that, if there are poor points regarding your credit record, however if you have shown an effort to sort out the debts, then the lender would reflect on the good actions, in addition to taking into consideration the balance made use of to sort out the debts.

These days, lenders are taking into consideration that 1 out of 4 person in the EU and US has problems related to debts. Hence, debt consolidation mortgages are not something that is unheard of; instead they are turning out to be a part of the biggest markets of the world. However in spite of the increased use, there are even now numerous downsides.

They can not just add to your on the whole debt burden, but they furthermore provide the debt consolidation organization with a huge quantity of control, permitting it to add to your rate of interest and mortgage reimbursements.


  • Transfer your balance to Blue CashSM from American Express®

  • Balance and the business traveler has everything to do with staying "connected". As I indicate in my book, Work for a Living & Still Be Free to Live, we achieve a fluctuating balance by how we CHOOSE to stay connected with the critical areas of our life. Business travel can take a heavy emotional, physical and mental toll.

    Let me suggest some ways to stay connected with these areas while "on the road":

    Emotional—staying connected with your home base and significant people. If you have children, depending upon their ages, consider the following: Take your child with you in your imagination. Ask them if they would select a SMALL toy of theirs that you could carry with you and so stay connected with them. Tape record a favorite story or a good night ritual which can be played before the child goes to sleep. With the child, track your travels on a map and together talk about some of the places or things of interest about your destination (lobsters in Maine; skyscrapers in NY, the lions at the Chicago Art Museum.) As an added bonus, you will have a new appreciation for the place where you'll be.

    —Send post cards home to each member of the family (make up labels in advance and buy stamps). You only need to write one personal line. Doesn't matter that you'll get home before the postcard. You thought of them.

    —Leave love notes for your partner (under the pillow/ with the toothpaste/ on the bathroom mirror). My husband leaves a message with the hotel operator to deliver "Bill loves you most!" Operators really get a kick out of delivering this message

    —Have a different e-mail address for family members and send home messages

    —Take a blank book and fill it with favorite pictures of home, family, friends, pet. Always take the book with you on your travels. (I do!)

    —If possible, make separate calls to your spouse and your children. That way, no one has to share "air time".

    Physical—staying connected with your body. Be THERE. Don't keep two watch times. You'll be tempted to say "But I can't go to sleep now it's only 7pm in CA. or "I can't get up at 6:00—it's only 3AM in CA.

    —Plan time (it won't just appear) for exercise of any kind. Bring shoes for running or walking. Bring exercise rubber bands for muscle tone. (Take up no room) Use stairs rather than elevator where possible.

    —Bring any item which can easily make you "feel at home". This can be anything from a pillow case, a teddy bear, a small picture.

    —If it's your style, bring herbal scents for the room; bath salts. One friend carries a device for drowning out sound. She turns it on and selects anything from ocean sounds to raindrops.

    —Try a portable vaporizer. Clears sinuses and puts moisture back into the face.

    —Bring saline solution nasal spray for the airlines. Also, a small atomizer of water (some kinds are mixed with aloe). Body tissues become very dehydrated on flights. Drink more water than you ever thought possible.

    —Always ask for a room away from the elevator and the ice machine.

    —Unless you have great stamina, avoid red eye flights. Much better to come in rested to do work than stumble your way through a meeting.

    —Find luggage that works for you. Weight, size, length of shoulder strap.

    —Lighten the load: if an extended trip, ship home materials or clothes you won't need. Bring a pre-addressed packing slip. Concierge can help. Whenever possible, check your baggage. Carry only with you the necessities for work and personal hygiene and health. Wear clothes that could suit for your meeting should luggage not make it. There's far too much carry-on these days.

    Mental—staying connected with your psyche. Self- talk is powerful when traveling. Why become angry and upset at weather delays (over which no one can do anything)? Mechanical problems are a fact of life. If at all possible, never book yourself on the last flight to your destination. Always have a later flight. And if you can't make it, consider that you have been given a gift of time.

    —Use time in flight to get caught up on journals, periodicals, etc. For me, a successful trip is when my briefcase gets lighter and the pocket of the seat in front gets heavier.

    —See your destination with new eyes. Consider that you are an explorer. Try something new: a restaurant, a neighborhood, a museum, even the note the difference of people.

    —Keep a small journal and write observations. This also lets you bring home "more than work" to share with the home front.

    —Start the day quiet. Meditate. Deep breathe. Allow enough time to get ready before you leave the hotel.

    Lastly, expect the unexpected and let go of the outcome. Do what you can for contingencies. Bring a cell phone, essential numbers and don't book the last flight out. Then relax into the uncertainty of travel. Stress comes from trying to control the uncontrollable.

    Let it go.

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  • 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.