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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?

	Are you worried about your credit card or debt card being stolen? You’re not alone, it’s estimated that 51% of people in the UK are concerned about their credit and debt cards being stolen. Credit card fraud is a consent worry, and with more people using there cards as there main source of paying for services and goods. It gives the criminals many more chances too get our information from our cards. Credit card fraud is not new, the companies seem to be getting a head on how to stop the criminals, and then they come up with a new way it’s a never-ending problem. Credit card skimming is just one of the problems, that is where they take the information from the magnetic strip and transfer it on to another card. The companies are trying hard to fight back, they have hit back with the chip & pin card, which seems to be reducing fraud but give it time no doubt the criminals will find a way around that. There are ways to help yourself with credit and debt card fraud, below are some useful tips in keeping the criminals at bay. Never let your credit or debt card out of your sight Never keep your Pin number with your card Don’t give your Pin number out to anyone When withdrawing money from an ATM machine make sure no one can see your Pin number Check bank statements very carefully any problems contact bank immediately Paying for goods with your card double check the amount before entering Pin Keep chequebook and cards separate at all times Report your lost or stolen cards immediately Make sure you destroy statements and old cards properly, leaving no account numbers visible The tips above will help you to fight credit or debt card fraud but we have to be vigilant at all times. As I said earlier with more people paying for goods and services with there cards, it gives the criminals more opportunities to get our information so it’s up to us to do what we can. With online shopping becoming very popular a lot of us worry about paying for goods over the net, credit card companies are trying to put our minds at rest. With most of them giving you extra fraud cover most give this cover free, but some do charge you so just check with your credit card company. Credit and debt cards are here to stay so lets hope in the near future that the credit card companies, can rid us of credit card fraud but I am afraid it’s big business costing us millions every year.

Many people who wish to start their own business need an injection of financial capital at the beginning of a business; the main source of funding for entrepreneurs is business loans.

Let's take a look at what you should expect if you plan to apply for one.

First of all, you should know that most lenders have their doubts when it comes to lending money to a first-time business owner. You're considered a high business risk at this point, and you should go in to your loan negotiations armed with a few advantages. Of course, the ideal option is to run your business for a few years, even just out of your home, and turn a good profit before approaching a bank for a loan.

That shows that you have the ability to make money and that your business won't flop before the Open sign shows up on the door. But if this isn't possible, if you need the cash before you can begin at all, then chances are you will need to offer some type of collateral. Collateral can be anything from your car to your home and everything in between. Depending on the size of the loan, you may require some pretty hard assets for collateral. The lender is not interested in whether or not your business will make money, aside from the extent that will allow you to pay them back on time. They simply don't want to lose out on the loan, and so you'll have to find some way to back yourself up.

Backing up your loan with assets, if you have them, is a good route - provided you have enough confidence in your financial situation to ensure you are not going to lose your collateral. If you don't have enough assets to stand in for your loan, another option is to find a cosigner. Chances are you won't get as much cash as you would if you had the assets. But having someone with good credit who is willing to sign onto your loan and promise to pay if you don't can be the factor that gets you through the door. This is a good way for friends and family who believe in your business to help you get it off the ground, even if they don't have the money to loan you up front.

When it's time to borrow, do some comparison-shopping among banks and credit associations, and don't stop until you find the lowest interest rate possible. You're already gambling a lot here- minimize the amount you will have to pay back by doing your homework and choosing the company that offers you the best deal. If you can't get enough to cover your beginning business expenses, consider borrowing part of the cash from a friend or relative if you can, or even asking for investors, such as customers who believe in your business, to help out. Don't accept a high-rate, high-risk business loan just because it offers you the biggest amount.

The small business loan: The first step in a long chain of financial events. If you take the right step, it could be your leap into the business world.