Are you shopping around for a new credit card? Credit Karma is here to help! Some members of our team are sharing their opinions on the cards in their wallets. In this edition of "Credit Karma Weighs In," our Senior Producer, Slava, shares his thoughts on the Blue Sky from American Express®.
The Blue Sky from American Express® comes with no annual fee and a straightforward, flexible rewards program. If you don't travel enough to justify a card with an annual fee, or if you enjoy flexibility when booking travel, this credit card could be a good choice.
Rewards: It's simple to accumulate and redeem rewards with the Blue Sky from American Express®. For every dollar spent in eligible purchases, you earn one point. Once you've racked up 7,500 points, you can redeem them for a $100 statement credit toward any travel purchase. This comes out to a 1.33 percent rewards rate per point. There's no expiration date on your points and no limit on how many points you can earn, so you can accumulate and spend them as you like.
Slava's Rewards Rating:
Customer Service: In my opinion, American Express's customer service is one of the best I've experienced. 18 months after getting the card, I noticed a fraudulent charge on my statement. I thought it was going to be a lengthy process to dispute it and have it resolved, but with one easy phone call, I was able to get the charge removed and was issued a new card soon afterward.
Slava's Customer Service Rating:
Application Process: I filled out the application after receiving a pre-approval offer in the mail. Shortly after sending it off, I got my welcome package with the credit card. However, you can also easily apply online.
Slava's Application Process Rating:
Tips and Tricks
Use the often overlooked additional benefits. Like many other travel rewards cards, the Blue Sky from American Express® offers a variety of travel benefits, including car rental loss and damage insurance, a roadside assistance hotline and travel accident insurance. The card also offers shopping benefits, including extended warranty, purchase protection and return protection.
Use another credit card when traveling internationally. If you're planning on traveling abroad, the Blue Sky from American Express® may not be ideal. Its 2.7 percent foreign transaction fee is lower than the typical 3 percent foreign transaction fee, but there are plenty of travel credit cards with no foreign transaction fee that won't have you spending more when traveling overseas.
If you're looking for a travel rewards card with a straightforward way to earn and redeem rewards, but don't want to pay an annual fee, the Blue Sky from American Express® could be right for you. You'll earn points on all eligible purchases, with no limitation and no expiration date. However, if you're a frequent traveler, you may get more value out of a travel card that offers better rewards, like the Chase Sapphire Preferred® or the Platinum Card® from American Express.
If you're considering applying for a new credit card, it's generally a good idea to first check out consumer reviews to see what current cardholders really think. If you've got a credit card that you love, consider writing a review to help others out!
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