Blue from American Express®
American Express and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of American Express. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Blue from American Express® from American Express earns up to 0.6% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 0.6%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1% back.
What does the Blue from American Express earn in each category?
Dining is the strongest category at 0.6% effective value (1% back). That dining rate ranks higher than about 0% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Blue from American Express compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 0.6% effective value (1% back). That dining rate ranks higher than about 0% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Blue from American Express compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 0.6% Top category |
| Grocery Supermarkets and grocery stores | 1% back | 0.6% |
| Gas Gas stations and fuel | 1% back | 0.6% |
| Travel Flights, hotels, transit | 1% back | 0.6% |
| Other General everyday spend | 1% back | 0.6% |
Madeen values cash back at about 0.6 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Blue from American Express?
The Blue from American Express fits spenders who put meaningful volume in dining and can earn 1% back. Best for spenders who put meaningful volume in dining and can earn 1% back.
Blue from American Express fits spenders who put meaningful volume in dining and can earn 1% back. Madeen ranks its dining effective rate higher than about 0% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1% back.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 0.6% effective (1% back).
- No annual fee in our catalog snapshot.
Cons
- Charges $2.70 foreign transaction fees.
Does the Blue from American Express have an annual fee?
The Blue from American Express has an annual fee of $0 and a foreign transaction fee of $2.70. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $2.70
What benefits come with the Blue from American Express?
The Blue from American Express includes Car Rental Loss and Damage Insurance, Global Assist® Hotline in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Car Rental Loss and Damage Insurance
$40/yrGetting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
Global Assist® Hotline
$25/yrWhenever you travel more than 100 miles from home, you may be eligible for 24/7 emergency assistance and coordination services, including medical, legal, and passport referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
Related encyclopedia topics
Common questions about the Blue from American Express
Is Blue from American Express a good card?
The Blue from American Express® from American Express earns up to 0.6% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
Does the Blue from American Express have an annual fee?
The Blue from American Express carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Blue from American Express?
Dining is the strongest Madeen category for the Blue from American Express at about 0.6% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Blue from American Express charge foreign transaction fees?
The Blue from American Express charges a foreign transaction fee of $2.70 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What credit score do you need for the Blue from American Express?
Madeen's catalog lists a typical credit range of Good to Excellent for the Blue from American Express. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Blue from American Express?
Rewards on the Blue from American Express post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Blue from American Express compare to similar cards?
Compare the Blue from American Express against Hilton Honors American Express Aspire (3.5% on Dining, $550 fee); Hilton Honors American Express Surpass (3% on Dining, $150 fee); Hilton Honors Business (3% on Dining, $195 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Blue from American Express This card | Dining | 0.6% | $0 |
| Dining | 3.5% | $550 | |
American Express | Dining | 3% | $150 |
American Express | Dining | 3% | $195 |
American Express | Dining | 2.8% | $250 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
American Express and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of American Express. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure