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The Blue Sky from American Express® is a step up from your generic 1% travel cards. Although the rewards rate is nominally 1%, you can get much more in certain increments: with every 7,500 points, you can redeem for statement credit. And if you redeem for travel expenses, you effectively get $100 back, which means that rewards rate is essentially 1.33%.
AmEx also gives you the opportunity to get credit for all other expenses, but the deal is much less sweet. With every 6,500 points, you can redeem for $50 in statement credit on non-travel expenses – half what you would for a flight or hotel stay.
That $50 difference is irritating, but the card’s still worth it. With an annual fee of $0, there’s no cost to carrying the card. And when you do travel, the Blue Sky from American Express® will make your jaunts much more comfortable and sometimes more inexpensive, too. For example, there’s free car-rental and damage insurance. This means that if you book your wheels with the Blue Sky from American Express®, you can save as much as $40 a day on your rental.
Then there’s added flexibility and benefits, like no blackout dates and Global Assist. The latter is a 24/7 service that will help you out in case of medical, legal or financial emergencies.
More comfort when you travel
Clearly, the Blue Sky from American Express® already does a fine job of keeping your travel expenses low, but you can squeeze even more cash back out of one or two more cards. If you’re a fan and frequent guest of the Hilton or Wyndham Hotels, check out their no-annual fee cards. The former will earn you 6 points per dollar at their hotels, while the latter will earn you 5 points per dollar at their locations and 2 points elsewhere.
Earn rewards and get out of debt
The Blue Sky from American Express® has an APR period of 0% on purchases and balance transfers for 15 months, and then the ongoing APR of 17.24% - 22.24% Variable.
If you are looking to get rid of some debt, check out the Discover it® Balance Transfer. This card gives you an APR of 0% on Purchases for 6 months and 0% on Balance Transfers for 18 months, and then the ongoing APR of 14.24% - 25.24% Variable APR.
And you can still save on travel if you so desire. Unlike many other cards that’ll help you climb out of debt, the Discover it® Balance Transfer actually does return cash to you. There are rotating rewards that’ll earn you 5%, and everywhere else you’ll get back 1%.