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American Express Blue Card

Blue Card from American Express is currently offering a great cash back deal to UK customers. For the first 3 months get up to 2% cash back and thereafter up to 1% back. This is a great deal compared to most UK cards which only offer 0.5% back.

The amount of cash back you receive is determined by your aggregate expenditure over the year. For example, if you spend up to £3,000 you receive 0.5% and you don't receive 2% until you spend over £7,500.

American Express are also currently offering a discounted interest rate on balance transfers, at 2.9% for the first 6 months.

For peace of mind while shopping online, you will also receive an online fraud guarantee when you use your Blue Card to make purchases.



Summary Table

Standard Interest Rate	Typical 14.9% APR Variable
Balance Transfers	2.9% p.a. for the first 6 months
Standard Balance Transfer Rate	12.9% p.a.
Cash Advance Interest Rate	21.9% p.a.
Rewards	Up to 2% Cash Back for first 3 months Up to 1% thereafter
Annual Fee	None
Customer Service	24hrs, 365 days a year
Online Account Access	Yes
Online Fraud Guarantee	Yes
Travel Accident Benefit	£50,000
Purchase Protection	Yes
Refund Protection	Yes
Worldwide Cash Access	£200 every 7 days (up to 20% of your Credit Limit)
Minimum Income Required to Apply	£12,000
Payment Date	25 days after statement date
Late Payment Fee	£25

Credit Sources Review

The American Express Blue Card can be a good card for those looking for a great cash back deal. Cash back goes up to 1% normally and double that for the first 3 months.

Whilst this card doesn't currently have a 0% balance transfer offer, it does have a much reduced rate of 2.9% p.a. for the first 6 months making it a good card if you are looking for a combination of cash back rewards and a low interest rate while you pay off some current balances.

American Express cards can sometimes be less widely accepted in the UK than Visa and Mastercard. This is steadily changing but you may want to check first if there is a particular shop you plan on using the card in frequently.