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Blue Sky from American Express® - American Express Blue Sky from American Express® issued by American Express Card Category Credit History Available Rewards Consumer Excellent/Good Miles Cash Points About Card • 0% Intro APR for up to 12 months on Purchases. • No Annual Fee. • Earn 1 point for every dollar you spend. • Low Balance Transfer APR - 2.99% for 12 months. • Points good on any airline, hotel, cruise and more. • No blackout dates, no travel restrictions. • Unlimited rewards: no point caps or expiration dates. Credit Card Rates Purchases:   Balance Transfers:   Cash Advances: Introductory APR: 0%   Introductory APR: 2.99%   Introductory APR: none Introductory Period: up to 12 months   Introductory Period: 12 months   Introductory Period: none Ongoing APR: 12.99%   Ongoing APR: 12.99%   Ongoing APR: 20.49% Default APR: 18.49%   Default APR: 18.49%   Default APR: 18.49% Minimum Grace Period: 20 days   Minimum Grace Period: none   Minimum Grace Period: none Minimum Finance Charge: $0.50   Minimum Finance Charge: $0.50   Minimum Finance Charge: $0.50 Credit Card Transaction Fees Balance Transfer Fees:   Cash Advance Fees:   Foreign Exchange Fees: Minimum: $5   Minimum: $5   Minimum: n/a Fee Rate: 3%   Fee Rate: 3%   Fee Rate: n/a Maximum: $99   Maximum: none   Maximum: n/a Credit Card Other Fees Initial Fees:   Maintenance Fees:   Penalty Fees: Setup Fee: $0   Annual Fee: $0   Late Payment Fee: $15 See terms and conditions

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