Which Blue Credit Card is Right for You?

“What Do You Think of the Blue Credit Card?”

A friend of mine was asking me about a blue credit card the other day. He wanted to know if it was a good card to have, but couldn’t remember the company that offered the card, or the full brand name. I said, “buddy, there are a ton of blue cards out there. You’re going to have to narrow it down a bit.”

I know a lot of people searching the web have this same issue. They know they want more information about the blue credit card, but they just don’t remember any other details. That’s why I’ve put together this quick guide on finding the right blue credit card.

Blue Credit Card from American Express

This is most likely the credit card you’re after. However, there are 2 variations of the American Express Blue Credit Card. Each has very different reward features: Blue Cash Everyday and Blue Sky.

Blue Cash Everyday® Card from American Express – You have the opportunity to really max out your cash back here. This card gives you access to the cash back rewards program from American Express. You can earn 3% cash back on some categories.

* Earn Cash Back: 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply
* Earn 100 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership
* Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit
* No Annual Fee
* 0% intro APR on purchases for 12 months. After that, your APR will be a variable rate, currently 12.99%-21.99% with flexibility to pay over time
* Simple and Straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required.
* Terms and Restrictions Apply

Blue Sky from American Express® – If you’re into flying, this is the blue credit card for you. This card gives you access to the Points from Blue Sky Rewards Program. This includes several interesting travel related perks.

* 0% Intro APR for 12 months on purchases
* Earn 7,500 bonus points when you spend $1,000 within 3 months – redeemable for a $100 statement credit
* Earn 1 point for every dollar you spend
* Points good on any airline, hotel, car rental and more.
* No blackout dates or travel restrictions
* No Annual Fee
* Express Approval. Get a decision in less than 60 seconds.

Overall, the blue series of cards from AMEX are some of the best cards available today. When Amex decided to get into the actual credit card business (vs charge card) they made a solid move to create this series. No annual fees and solid rewards. I should also point out for those of you who might be comparing the AMEX Blue cards to a charge card, I recently did a review comparing the ZYNC from American Express to the American Express Blue cards, that provides some more information.

It turns out my friend was interested in the Blue Sky card. I shared with him that I thought it was a good card for someone looking to build travel rewards. I shared with him that the biggest competition for this card was the Chase Sapphire or Escape by Discover Card.

Jet Blue Credit Card

Here’s another card that’s often referred to as the blue credit card. The AMEX Jet Blue Credit Card is a unique offering from American Express. It joins the airline miles system of JetBlue Airlines, called the TrueBlue program, with the convenience of a Credit Card from American Express.  For this reason, this card is often referred to as the True Blue credit card. If you’re a frequent flyer on JetBlue who wants to earn miles faster, and don’t mind the $40 annual fee, then this might be a good card for you. Earn 10,000 TrueBlue points with the first purchase on your card.

Is There a Chase Blue Credit Card?

Many people mistake Chase for being the creator of the Blue Credit Card instead of American Express. Chase actually doesn’t have a credit card named “blue”.  However, all of their cards are actually the color blue. They have 4 blue cards to choose from: Chase Freedom Visa – $100 Bonus Cash Back, Slate from Chase, Chase Sapphire, and a small business credit card called the Ink Cash Business from Chase.  Yep. All blue in color.  If I had to compare them to the American Express cards, I’d say the Chase Freedom Visa – $50 Bonus Cash Back most resembles Blue Cash from American Express and the Chase Sapphire most resembles the Blue Sky from American Express in terms of their offering (i.e. rewards, promotional rates, etc.)

So there you have it. A comparison of all the blue credit cards available today. Hopefully you were able to find the card you needed amongst these choices.

“Disclaimer: This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program.”

Last Edited: July 19, 2013 @ 3:21 pmThe content of ptmoney.com is for general information purposes only and does not constitute professional advice. Visitors to ptmoney.com should not act upon the content or information without first seeking appropriate professional advice. In accordance with the latest FTC guidelines, we declare that we have a financial relationship with every company mentioned on this site.
About Philip Taylor

Philip Taylor, aka "PT", is a CPA, financial writer, FinCon CEO, and husband and father of three. He created PT Money back in 2007 to share his thoughts on money and to meet others passionate about managing their finances. All the content on this blog is original, and created or edited by PT. Read more about Philip Taylor, and be sure to connect with him on Twitter, Facebook, or view the Philip Taylor+ Google profile.

Comments

  1. I have the Blue card and I love it! When I got it they offered 0% interest for a year on purchases. We used it to pay for our wedding then turned in the points for gift certificates. Win-Win (note, we had enough cash to pay off the balance but since they essentially gave us a free loan we banked the money in ING instead).

  2. FFB, funny, we did the same thing for our wedding, but with a different card.