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American Express JetBlue Credit Card Disclosure Box for College Students

by Larry Chiang on January 29, 2013

*Unedited by Larry Chiang

IMPORTANT INFORMATION REGARDING RATES, FEE, AND OTHER COST INFORMATION *

INTEREST RATES AND INTEREST CHARGES * Annual Percentage Rate (APR) for Purchases * *15.24%* This APR will vary with the market based on the Prime Rate. * APR for Balance Transfers * *3.99%* introductory APR for the first 9 months on balance transfers requested within 30 days of account opening.

After that, your APR for those transactions and any other balance transfer requests, if we accept them, will be *15.24%*. This APR will vary with the market based on the Prime Rate. * APR for Cash Advances * *25.24%* This APR will vary with the market based on the Prime Rate. * Penalty APR and When it Applies * *27.24%* This APR will vary with the market based on the Prime Rate. This APR will apply to your account if you: 1) Make one or more late payments; or 2) Make a payment that is returned *How Long Will the Penalty APR Apply?* If the Penalty APR is applied, it will apply for at least 6 months. We review your Account every 6 months after the Penalty APR is applied. The Penalty APR will continue to apply until after you have made timely payments, with no returned payments during the 6 months being reviewed. The Penalty APR will apply to existing balances only if a payment is more than 60 days late. * Paying Interest * Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. * For Credit Card Tips from the Consumer Financial Protection Bureau * To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore Fees * Annual Membership Fee * *$0* for the first year, then *$40*. * Transaction Fees

– Balance Transfer – Cash Advance

– ForeignTransaction

* Either *$5* or *3%* of the amount of each transfer, whichever is greater. Either *$5* or *3%* of the amount of each cash advance, whichever is greater.

*2.7%* of each transaction after conversion to US dollars. * Penalty Fees

– Late Payment – Returned Payment – Overlimit

* Up to *$35* Up to *$35* *None* *How We Will Calculate Your Balance:* We use a method called “average daily balance (including new purchases).” *Loss of Introductory APR:* We may end your Introductory APR and apply the Penalty APR if you do not pay at least the Minimum Payment Due within 60 days after its Payment Due Date.

Variable APRs for each billing period are based on the Prime Rate published in *The Wall Street Journal* 2 days before the Closing Date of the billing period. *The Wall Street Journal* may not publish the Prime Rate on that day. If it does not, we will use the Prime Rate from the previous day it was published. If the Prime Rate increases, variable APRs will increase. In that case, you may pay more interest and have a higher Minimum Payment Due. When the Prime Rate changes, the resulting changes to variable APRs take effect as of the first day of the billing period. Variable APRs are accurate as of 01/01/2013. TERMS AND CONDITIONS

By submitting this application, you are requesting us to open an Account in your name and to issue Card(s) as you direct. Only qualified individuals 18 or over may apply for an Account. This offer is available to US Residents, excluding Puerto Rico and the US Virgin Islands.

You promise that the information you provide on this application is accurate. You authorize us to verify this information and to obtain reports from consumer reporting agencies. You authorize us and our affiliates and subsidiaries to share information we have about you at any time for marketing and administrative purposes as permitted by law. Upon request, we will tell you if we have received a consumer report and the name and address of the agency that provided it.

When you use your Account (or sign or keep the Card), you agree to the terms of the Cardmember Agreement that will be provided to you. *Your Cardmember Agreement includes an arbitration provision, which impacts your opportunity to have claims related to the account heard in court or resolved by a jury, and to participate in a class action or similar proceeding.*

We may change the Cardmember Agreement subject to applicable law. We may do this in response to the business, legal, or competitive environment. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership.

*Additional Cards: *Additional Cardmembers do not have accounts with us but they can use your Account subject to the terms of the Cardmember Agreement. You are responsible for all use of your Account by Additional Cardmembers and anyone they allow to use your Account. You must pay for all charges they make. You authorize us to give Additional Cardmembers information about your Account and to discuss it with them.

*Patriot Act Notice: * Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, including your name, address, date of birth and other information that will allow us to verify your identity.

*Balance Transfers:* We will debit your Card account for the total approved balance transfer amount. A balance transfer request will be declined if the requested amount plus fees exceeds your available credit line. Total balance transfers cannot exceed $25,000 in a 180-day period. We will not initiate any balance transfers until at least ten days after we have mailed or otherwise provided the Cardmember Agreement to you. In some cases, it may take up to six weeks to complete a balance transfer. *Please be sure to make all minimum payments on any account from which you are transferring a balance until the balance transfer is credited to that account.** You are responsible for maintaining those accounts in good standing and for closing them if you choose.* You authorize us to verify the status and balance of those accounts. You cannot transfer balances from any other account issued by American Express or its affiliates. Additional Cardmembers may not request or authorize balance transfers. We reserve the right to deny a balance transfer request for any reason.

*Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral agreement, or court decree under Wisconsin’s Marital Property Act will adversely affect a creditor’s interest unless, prior to the time credit is granted, the creditor is furnished a copy of that agreement or decree or is given complete information about the agreement or decree.*

New York residents may contact the New York Banking Department to obtain a comparative list of credit card rates, fees, and grace periods by calling 1-800-518-8866.

*An Applicant, if married, may apply for a separate account.*

*Express Cash: We may enroll your Card in the Express Cash feature, which provides access to participating ATMs for cash advances. If your Card is enrolled, we will send you a letter that includes a Personal Identification Number (PIN).*

*Notice to Delaware Residents:* Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month.

*Notice to Oregon Residents:* Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month. You may pay more than the minimum payment due, up to your entire outstanding balance, at any time.

*Notice to Ohio Residents:* The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.

JetBlue and TrueBlue Points are Registered Trademarks, Marca Registrada, Marque Deposee. JetBlue trademarks (including JetBlue and the JetBlue logo) are registered, or registrations are applied for, in countries of the world served by JetBlue® Airways Corporation. TrueBlue Flight Gratitude® Membership is subject to the terms and conditions set forth in the current TrueBlue Terms and Conditions.

The JetBlue Card from American Express is issued by American Express Bank, FSB. ©2013 American Express Bank, FSB. All rights reserved. POID ADMR:0001 CARD BENEFITS & TERMS

*The following benefits and services are subject to change or cancellation.*

*Earn up to 2 TrueBlue Points* You will earn one TrueBlue® Point for each dollar of eligible purchases on your JetBlue Card. You will earn one additional TrueBlue Point (for a total of two TrueBlue Points) for each dollar of eligible JetBlue purchases charged on your JetBlue Card when charged directly with JetBlue. Every TrueBlue Point earned will be transferred to JetBlue as one TrueBlue Point. All TrueBlue Points are subject to the JetBlue TrueBlue program Terms and Conditions: see jetblue.com/trueblueterms . Eligible Purchases means purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Additional terms and restrictions apply. Merchants are typically assigned codes and categorized based on what they sell. Eligible purchases will receive only one TrueBlue point if the merchant code is not in a bonus category. Eligible purchases will receive only one TrueBlue point if the merchant uses a mobile or wireless card reader or if the purchase is made with an electronic wallet or through a third party. In addition, eligible purchases will receive only one TrueBlue point if the purchase is not made directly from the provider of the goods or services.

*Express Cash* Enrollment in Express Cash is required. Funds are drawn against the cash advance limit on your Account. Cash withdrawal limits apply. Transaction fees are 3% for each transaction, with a minimum of $5.00 and no maximum. The ATM owner may charge additional fees for each transaction.

*Global Assist® Hotline* While the Global Assist® Hotline coordination and assistance services are offered at no additional charge from American Express, Cardmembers are responsible for the costs charged by third-party service providers. Visit www.americanexpress.com/globalassist or call 1-800-333-AMEX for full terms and conditions.

*No Blackout Dates* No blackout dates apply to JetBlue operated flights. However,blackout dates do apply to code share and interline flights.

*Return Protection* Return Protection can refund you for eligible purchase(s) charged entirely on an eligible American Express (R) Card. Coverage is limited to 90 days from purchase, up to $300 per item and up to a maximum of $1,000 per Cardmember account per calendar year. Shipping and handling charges will not be refunded. Subject to additional terms, conditions and exclusions.

*Roadside Assistance* Roadside Assistance may arrange for the following services: towing, winching, jump starts, flat tire change when spare is available, lockout service when key is in vehicle and delivery of up to 2 gallons of fuel. Cardmembers are responsible for the costs charged by third-party service providers. Services are available regardless of mileage from primary residence when traveling within the United States, Canada and Puerto Rico. Subject to additional terms, conditions and exclusions. Call 1-800-333-AMEX for full terms and conditions.

*Ticketmaster Tickets* Point values and redemption levels vary by event and venue. Ticket limits may apply. Subject to availability. AMEX Assurance Company Disclosures

For important information on policy terms, go to americanexpress.com/benefitsguide

*Car Rental Loss And Damage Insurance* Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0925 or Policy CRLDI-IND and is subject to change with notice. This document does not supplement or replace the Policy.

*Extended Warranty* Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0953 or Policy EW-IND and is subject to change with notice. This document does not supplement or replace the Policy.

*Purchase Protection* Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0951 or Policy PP-IND and is subject to change with notice. This document does not supplement or replace the Policy.

*Travel Accident Insurance* Travel Accident Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0948 and is subject to change with notice. This document does not supplement or replace the Policy.

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