The "Blue Cash Credit Card" offered by the American Express is really a big relief to me. It helps me in controlling my expenses in a more beneficial way for me and for my family. The "no annual pay" policy is a very helpful offer because this will keep me from thinking of future payments. Another thing that I like in this card is that the balance transfer rate is much lower compared to other services and the the 12 months balance transfer period allowed is just reasonable and long enough. This is really an amazing innovation of the American Express. Thanks!