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If you are ever on the lookout for the closest fit to a perfect credit card, the American Express Blue Card may be the card that you are looking for. With $0 annual fees, a 0% introductory APR for 15 months and a fixed rate for balance transfers at 3.99% which will last until the loan is paid up.

Apart from these low figures, the American Express Blue card also comes with a very attractive rewards program that lets you score points for every dollar you charge to the card. Regardless whether it is a shopping spree, a normal gas tank fill-up or a candlelight dinner for two, you can just charge your expenses to your Blue card and earn rewards without having to keep count.

In addition, with the American Express Blue card Express Pay feature, you no longer need to wait forever for the cashier to swipe your card, print the slip and sign on them. The Express Pay feature allows you to make payment just by holding the card up to a reader. Hassle-free and at a low cost, what more could you want in a credit card?

Well, American Express aims to please and this is why their cardholders are also well shielded through the various protection plans that American Express offers to their American Express Blue card owners. Also, their fraud protection plan guards you from any unauthorized transactions whilst using the card, while the return protection plan lets you return any purchased items within 90 days, failing which American Express will refund you the price of the item.

Subjected to eligibility, your items are also protected against damage or even theft within 90 days of your purchase. However, there is always a catch especially when it comes to a card this perfect. Despite the 20-day grace period for payments, this card charges a daily percentage rate instead of the usual annual percentage rate charged to the outstanding balance at the end of each month. Therefore, users of the American Express Blue card really need to be careful about late payments as every single day counts.