I've had a Blue card since I was in college, and I really like it, mostly because they let me pay in installments! I think my APR right now is around 11%. As far as rewards programs go, it's really not bad. It allows you to accumulate points towards a bunch of stuff, from shopping to restaurants to hotel points. Keep in mind though, that the Blue card accumulates points differently from the other Amex cards... I'm not sure of the exact numbers, but I think it's something like one point for every two dollars for Blue, as opposed to one point for every dollar for the other cards. But of course, the other cards don't let you pay in installment!
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