American Express Blue credit card benefits:

Built-in Smart Chip for Internet Security.

0% intro APR, then as low as Prime rate + as low as 3.99% fixed*.

One point for virtually every dollar you charge with the American Express Blue credit card.

Redeem points for free rewards including airline, hotel, brand name merchandise, and gift certificates.

CoolBlueOffers^® - special bonus offers at participating merchants, such as Gap.com, Origins, Sharper Image, and more.

Return Protection - if you try to return a designated item within 90 days from the date of purchase and the merchant won't take it back, American Express will refund the full purchase price, up to $300 per item.

Year-End Summary of charges - can take the hassle out of bookkeeping. All your American Express Blue Card purchases will be conveniently itemized and listed in categories, such as lodging and merchandise.

Notes:

*  0% introductory APR for purchases for either your first 15 months, 12 months, or 6 months of Cardmembership, depending on the review of your credit card application and credit history. Then, a variable APR of 7.99%, 9.99%, 12.99% or 14.99%, depending on the review of your application and credit history.

** Balance Transfer APR: a fixed APR of 3.99% for life of the balance on balance transfer request submitted on the enclosed application. Then, Balance Transfers will receive the standard purchase APR.