Get the cards now while you can folks,... change is not only in the air but has landed smack into everyone's lab in the form of a serious reality check. This is one of hte few cards left with a 3.99% balance transfers and you guys know with the latest news from Amex, this card may not be around for much longer either so apply today, transfer those high balances onto something more manageable today. This card also gives you the flexibility to pay over time or in full and does have automatic rewards so you're not just moving money around but can earn some goodies. CLEAR FROM AMERICAN EXPRESS