Blue Sky

Redeem points to save on any airline, hotel, rental car or cruise - no blackout dates or travel restrictions
No blackout dates, no travel restrictions
No annual fee and a 0% intro APR
World class cardmember benefits including Travel Accident Insurance, Buyers Assurance Plan, and Return Protection
Balance transfer requests submitted on application receive APR of 4.99% for life of the balance.
Points good on any airline, hotel, car rental and more.
No blackout dates or travel restrictions
Express Approval. Get a decision in less than 60 seconds.

The Sky's the Limit with Blue Sky
Blue Sky from American Express is a credit card designed to unlock the world of travel rewards. Blue Sky gives you the freedom to save on any flight, hotel, rental car, or cruise-at any time, without blackout dates or travel restrictions.

Buy what you need with the Blue Sky Card, and earn one point for virtually every dollar you charge for purchases on your Card account.

• Save $100 with 7,500 points
  
• Save $200 with 15,000 points
  
• Save $400 with 30,000 points, and on and on
  

DID YOU KNOW?

	Is there anything worse in the world than having to go to the bank and ask for money? Why is the person you are dealing with, half you age with little to no experience? He or she is the one that will decide whether or not you get approved for the loan. Banks work backwards in my mind, when you don’t need the money they continuously want to give it to you. When you do need the money, you have to jump through hops to get it. This article is designed to help you get prepared so that when you are applying for a mortgage, home equity loan, SBA loan, VA loan or any other kind of loan, the bank will always say yes. Let me repeat that, the banks will always say yes! Let’s start with how you dress when meeting your banker. They are professionals, so present yourself as one even if you are a mechanic. Put on a nice pair of dress pants along with a dress shirt and jacket. Ladies, a pant suit or dress will be fine. First impressions are critical so make a good one. Buy yourself a nice briefcase for all your paper work. It doesn’t have to be Gucci, just new looking. Get to your appointment early. Even if you have to wait for 10 minutes, this alone shows that your respect their time and again works in your favor as fair as a first impression goes. The most important thing you can do when applying for a new mortgage, home equity loan, SBA loan or VA loan is bring all your information with you. This means your social security number, driver’s license, letter from your employee stating your hire date and current salary (if you are self employed, bring a copy of your last 3 years of tax returns with you), know what debt you are carrying, have a list of all your assets (or create a net worth statement on your computer at home). If you come into the bank fully prepared, looking good, are on time and have a smile on your face, the banks will say yes!

Don't settle for the first auto loan quote that crosses your path. There are various methods now-a-days in which individuals can acquire an auto loan. Be sure to compare all the pros and cons of each method to ensure you are getting the best bang for your buck. There are four main ways to acquire an auto loan quote: dealer loans, credit unions, home equity, or with online quotes.

Dealership Auto Loan

Dealership loans are fairly common. In the past, a dealership loan was the only way to finance a vehicle. Times have certainly changed! One thing is certain, dealership loans are convenient. While you sit and fill out papers for the vehicle you will purchase, you might as well fill out papers for a loan to finance that car. Yes, dealership loans are quite simple, however, sometimes they are not in your best interest. Convenience doesn't come free. Many times, these loans have higher interest rates than if you were to find a loan by yourself.

Credit Unions

Credit unions are a great option for auto financing. They can quote much larger loan amounts for a lower interest rate that an auto dealership. Also, the extra time you will spend with a credit union is not overwhelming. Many times credit unions can approve you for a loan in mere minutes. Although one extra phone call needs to be made, there is not much effort on your end.

Home Equity

A home equity loan is another option for car financing. Using a home equity loan allows you to purchase your vehicle while using your home as collateral. On paper, home equity loans may appear to have a higher interest rate than standard car loans. However, the fact that the interest you will pay is tax deductible may present significant advantages.

Online quote

One of the quickest growing industries online is the financing industry. Now, you can simply go to a credit website and compare quotes and loan terms. There are even websites where banks and lenders will compete for your business. This is beneficial to you because it means lower interest rates and shorter auto loan terms.

The moral of the story is: be sure to check all options before signing an auto loan. There are many different methods to get auto financing quotes. Depending on your situation, each auto loan method can present certain advantages and disadvantages.