The "Blue Cash Credit Card from American Express" is really of big help to me personally. Its "no annual payment policy is really very helpful and make me feel comfortable and confident because I have nothing to think of future payments. Aside from that, it is a "cash back" type of card and it was really very easy to use. Another thing that I like about the "Blue Cash Credit Card from American Express" is the balance transfer period which is up to 12 months which was way too long for me.