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.

7,500 Hilton HHonors® bonus points with your first purchase.

Earn HHonors points with virtually every purchase.

You'll earn Hilton HHonors points toward free hotel stays and travel packages just for charging your purchases on the American Express HHonors® credit card.

5 HHonors bonus points for every eligible dollar you spend at over 2,300 Hilton HHonors hotels worldwide.

3 HHonors bonus points for every other eligible dollar you spend on purchases.

American Express service at home and abroad.

Assured Reservations - guarantee all your hotel and motel reservations with your American Express credit card account and your room will be waiting for you even if you arrive late. If you have an assured reservation and your room is not available, the hotel or motel will provide you with a comparable room that is nearby, along with transportation to your new location and a 3-minute phone call.

Save in the Offer Zone^SM -  discounts, entertainment, and special events.

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American Express Starwood Preferred Guest credit card benefits:

Use Starpoints for free nights at participating Westin^® Hotels & Resorts, Sheraton^® Hotels & Resorts, Four Points^® by Sheraton, St. Regis^®, Luxury Collection^® or W Hotels^®. Redeem for free nights starting as low as 2,000 Starpoints, with no blackout dates or availability restriction.

Redeem Starpoints for free flights at over 25 major airlines, and enjoy a 5,000-mile bonus when you transfer 20,000 Starpoints to miles.

Receive an ANNUAL 50% off Award for a future stay charged to the American Express credit card at Starwood's over 750 hotels and resorts.

Earn Starpoints for every eligible dollar you spend.

One Starpoint for every eligible $1 charged with the American Express credit card for any purchase.

Additional two Starpoints for every eligible $1 you spend at Starwood's over 750 participating hotels and resorts.

1,000 bonus Starpoints upon first use of your American Express card for payment of an eligible stay at a participating hotel or resort.

500 bonus Starpoints for every additional eligible stay charged to the American Express card within the first 12 months of Cardmembership, up to a maximum of 10 stays (5,000 Starpoints).

Save in the Offer Zone^SM -  discounts, entertainment, and special events.

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 card purchases will be conveniently itemized and listed in categories, such as lodging and merchandise.