No APR but Annual Fee
The American Express Green Card was the very first credit card I ever got. I wanted a card that you had to pay off the balance every month so my spending wouldn't get out of control. I actually got one mainly so I could buy my books at college each semester and not have to carry around hundreds of dollars in cash. I found using this card to buy my books and then immediately writing a check out to American Express made the whole book buying process easier. The Green Card has to paid off every month so this is good for one time expenses or in case of emergency, but you can't carry a balance so if you need to carry a balance this is not for you. There is also no set spending limit which means I can reserve a hotel with it and then pay cash when I check out of the hotel if I want to. There is no annual fee for the first year, but after the first year you'll pay about $95 a year. So that can be a dealbreaker for some. Keep in mind though, that there is no APR since you pay the bill in full every month so that may make up for it. In any case, I've been very pleased with the card and still keep it in my wallet to use specifically for reserving hotel rooms or shopping online.
Vernon Rockville, CT