What credit score do I need for the Blue?

A good-to-excellent credit score is generally recommended.

How do I calculate rewards on the Blue?

Use WalletFlo's reward calculator at /tools/rewards-calc/blue to model net value on your spending.

Blue Review — Rewards, Fees & Benefits (2026) | WalletFlo

Flo Analysis

Computed from live catalog data — where this card ranks, wins, and needs a caveat.

Category standing — vs 1,096 cards in the catalog

Everything else

Where it wins:
No annual fee — every dollar of rewards and credits is net value.

Overview

How this card fits in your wallet — fees, value, and who it's built for.

The Blue from Amex carries no annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $255.60 in rewards plus $0.00 in credits and perks — $255.60 net per year before welcome bonuses.

How the points work

1X on all purchases

Earning rates

Category bonuses from our catalog — verify current offers on the issuer site.

CategoryRate

Everything elseAll Purchases
1×

Credits & Benefits

Statement credits and perks we model in net-value calculations.

Credits

No statement credits listed for this card

Benefits

ShopRunner
Free membership to ShopRunner. Free two-day shipping, free return shipping, special deals and discounts at select retailers.
Amex Concert Benefits
Access to presales for advance ticket purchases and special preferred seating through Ticketmaster.
Auto Purchasing Program
Find TrueCar certified dealerships that allow you to purchase vehicles with your card and get special discounts and other perks.
Amex Offers
Promotions and discounts offered exclusively to card holders.
Amex Travel
Online travel portal that allows you to book various forms of travel including: flights, hotels, rental cars, cruises, and vacation packages.

Transfer partners

Where this card's points can go, and at what ratio. 12 partners.

Air Canada Aeroplan1:1
Air France KLM Flying Blue1:1
British Airways Avios1:1
Iberia Plus1:1
JetBlue TrueBlue1:1
Singapore KrisFlyer1:1
Southwest Rapid Rewards1:1
United MileagePlus1:1
Virgin Atlantic Flying Club1:1
World of Hyatt1:1
IHG One Rewards1:1
Marriott Bonvoy1:1

Work out what a transfer is worth in the transfer calculator.

Is the annual fee worth it?

Quick breakeven from stated credits and perks — open the full tool to dig deeper.

Credits & perks vs fee

Annual fee−$0

Stated credits+$0

Perks (est.)+$0

Net after credits & perks$0

Verdict

Credits & perks offset the fee on paper

Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.

Full Analysis Rewards Calculator

Flo calculator tools

Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.

Reward Calculator

Estimate annual rewards and net value on your spend.

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Side by Side Compare

Compare against another card with the same spend profile.

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Is the Annual Fee Worth it?

Confirm net value on a no-annual-fee card.

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Points & Miles → $ Converter

Convert points and miles to estimated cash value.

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Awards vs Cash Calculator

Compare redeeming points for travel vs cash back.

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Transfer Partner Calculator

Explore transfer partner conversions across programs.

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Rewards Calculator

Model this card on your spend — adjust categories and compare with others.

$256/yr

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Estimates for illustrative purposes. See methodology

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FAQ's

Issuers generally look for good-to-excellent credit; exact thresholds vary.
There's no annual fee — focus on whether the earn rates beat cards you already carry.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.