More than just a pretty interest rate indeed,... with everything going down the toilet, this is probably one of the very best cards to apply for right now folks. As before, there's no annual fee, and there is a rewards program, but the gem of this card is the super low 2.99% APR that you get for the first 12 months of those balance transfers. This is NOT going to last folks so get it now while you can. AMERICAN EXPRESS BLUE APPLICATION

• Update: If you prefer the Blue Cash and still don't have one, apply for that uber popular card here. AMERICAN EXPRESS BLUE CASH APPLICATION