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I love my american express blue card. I have been a member since 08. It has provided me with convenience and easy payment plans. I definitely do nto travel without. It has helped me when I did not have that extra cash on hand. I think everyone who can afford it, should have ablue american express in the wallet. I do not know what I would have done, if I did not have this card. It has helped me to better budget my finaces as well. I know what I can spend and what I cannot spend. and like I said you can pay off monthly and not all in one time. I like to pay off when I can.