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


Blue from American Express

Intro APR: 0%

Issuer: American Express

  • Evolving Credit
  • 0% introductory rate for purchases for 15 months
  • Then a fixed APR as low as 3.99%
  • No annual fee
  • 4.99% fixed APR on balance transfers
  • Choose to carry a balance or pay in full Easy Navigation Through Everyday Life
  • Online Fraud Protection Guarantee--protects you against unauthorized purchases online.
  • Built-in Smart Chip--for added Internet security.
  • Plus, An Exciting, Free Rewards Program Register for BlueLootSM--the totally FEE-FREE online rewards program from Blue.

Fundamentals of the Card

Redefine What a Credit Card Can Do
Blue from American Express® is a credit card that adapts to your needs. It's designed to give you more flexibility and independence. You can pay for your purchases in full or pay over time. And the built-in Smart Chip gives you an added level of security when shopping online. Blue has no annual fee, a competitive 0.00% APR for the first 6 months, and then as low as 7.99% fixed APR, a grace period up to 20 days, and a credit line up to $100,000. Additional Cards are fee-free, so you can share virtually all the benefits and services with your friends or family members. Define financial control on your own terms with Blue from American Express®. 1

Enroll in Blue's free rewards program
Enroll in Blue's Fee-Free Rewards Program and start earning points toward incredible rewards from the places you love to shop. Once enrolled, you can earn one point for virtually every dollar you charge with Blue. Buy gas - earn points. Dinner with friends - earn points. You get the idea. Points can quickly add up and may be redeemed for great entertainment, retail, and travel rewards as well as once in a lifetime experiences!

Blue PLAYSM - An Online Auction Site
Cardmembers enrolled in Blue's fee free rewards program, have access to Blue PLAY - an online auction site where eligible Cardmembers can win incredible experiences. At Blue PLAY the points you earn - just by charging with Blue - can be used to bid on rewards like VIP passes to movie premieres, great packages to sporting events and more!

Blue for MusicSM
Announcing a new partnership with Warner Music to present Blue from American Express® Cardmembers with special offers. Get discounts on CD's, download featured songs, enter contests for concert tickets and other music merchandise and more.

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!

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! Then enjoy the low APR: Fixed rate of 7.99% for life of balance (until the balance is completely paid off), on BT requests submitted with this application.

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

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!

Online Fraud Protection Guarantee
Use the American Express Card online, and you won't be responsible for any unauthorized charges. Period. No fine print, no deductible - just pure protection, so you can shop with confidence anywhere on the Internet.

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.





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Basics

Mortgage lenders offer many loan types to rental properties, including:

  • townhouses
  • condominiums
  • single family residences
  • 1-4 unit properties
As you know as a rental property owner the interest rate on rental properties tend to be higher than for regular primary residence loans.

Loan Options

Your loan options to get a lower payment include:

  • Interest only payments
  • Minimum payment options
An interest only payment allows a rental property owner to pay only the interest on a mortgage. This allows a landlord to pay only interest. The principal balance for the loan remains the same.

The landlord realizes their gain on equity through the rise in property value. This obviously depends on real estate market trends.

A minimum payment option allows a borrower to pay less than the interest only amount. Any difference between the interest only payment and the minimum payment option is added onto the principal. For example, if the interest only payment is $1,000 and the minimum payment option is $600, the difference of $400 is added onto the principal.

For many landlords an increase in principal over time may be acceptable to get a lower monthly payment. This may help a landlord manage their cash flow better. This can help when rental payments are slow due to vacancies or tenant problems.








  • Transfer your balance to Blue from American Express®
  • As humans we see and interpret color using the visible spectrum. The colors we see are Red, Orange, Yellow, Green, Blue, Indigo and Violet. They are all made up of various wavelengths (measured in nanometers) and are really, really small. In fact, there are tons more colors but as humans we visually can see them with our naked eyes. We can use tools to see things in the visual range of say, infrared.

    There are additive colors and subtractive colors. Additive colors are used with television or computer screens. So, when you add the primary colors red, blue and green together on a screen you will get white. Subtractive colors are used when printing. So, when you add the primary colors together you get black.

    I am sure almost everyone has seen a color wheel. The color wheel shows you the relationships between each of the colors. Such as when a color is next to one an other this is called analogous colors. An example would be with red, orange and yellow. These colors make up an analogous color scheme. It is very popular because it also readily found in nature.

    When two colors are opposite each other on the color wheel we call these complementary colors. A great example is red and green, another popular choice during Christmas. Those are some of the basics, there is a lot more to learn such as hues, contrast, saturation etc. But, we can go into that another time. Next we need to take this information we just learned and see how color is tied into our emotion.

    Color effects how we perceive the world around us. It can affect our emotional and physical responses to visual stimuli, and can even govern how we interpret these stimuli. This is why color is so important in fields of graphic and environmental design, and why graphic designers, interior designers, and architects go to such great lengths to understand the influence of color and to use it in just the right way.

    Until recently, though, very little emphasis has been placed on the importance and overall influence of color in the field of web design. In fact, there still seems to be overall a kind of 'anything goes' atmosphere on the Internet with regard to web design in general.

    But the way in which we access the Internet, combined with its increasing impact on our everyday lives, now requires a more thorough understanding of the influence of color for designers who wish to create websites that effectively attract and positively influence visitors to them.

    The use of color is one of the most powerful tools you have at your disposal in designing a website, or any other medium with which you are attempting to relate to or communicate with other people. Color is so powerful that it can persuade, motivate and inspire when it is used in a balanced and effective way, and so crucial that it can completely drive people away when its overall influence is poorly understood and it is used poorly or inefficiently. In short, color is far more complex than many of us give it credit for.

    The best way to use color is to experiment and observe. Test color combinations out and see how they make you feel. Chances are that if you feel a certain way when you see colors others do also. But, there are some fundamentals that can help any designer.

    Nature is your best bet when finding good color combinations. Take the example of a small wood house on a prairie with a nice clear blue sky. A prairie is golden and the sky being blue will give you a good complementary color scheme, blue and gold are opposite on the color wheel. The blue/gold combination is usually has a very calming effect. It can also be a symbol for regal or royalty.

    Sometimes you want your colors to POP. So, using high contrasting colors are really good for that. Ever wonder why road signs are in that bright yellow with black type? It is one of the easiest color combinations to read. Plus it makes you take notice. We have been conditioned by the highway people, that bright yellow and black stands out and we automatically take notice.

    Some color examples and their general meanings.

    - White is considered as the color of purity, honesty and innocence.

    - Black is the color of death also represents darkness, gloom and despair. However, when used properly is can also indicate elegance and refinement.

    - Blue is the color of the sky and sea. It represents depth, trust, security and imagination.

    - Green is a color in nature. It represents life, vibrancy, natural, active, fresh and young.

    - Yellow is for philosophers and thinkers. It represents hope and maturity.

    - Red is a color of action and danger. It excites and stimulates the viewer.

    I could go on but I think you get the point that each color represents feelings and emotions. As a designer your job is to pull those emotions out from the viewer and either gets them really comfortable so they stay along time. Or exited so they feel they must have your product now!

    Color dramatically effects your customer so that means it affects your marketing, your web site and your income. If used badly it can make potential customers leave your site quickly. If used well, color can help bring in more money.

    So, how are you using color on your site?


  • 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.