SOME FACTS ABOUT AMEX: -No hidden fees, unlike filthy Bank of America -Picky creditor; if you are late at least once, they will increase your APR to 30% right off the bat and review your account for closure by the end of the year, otherwise, you can expect your rate to stay the same or even go down -Very low rates: I transfered over 10K at 3.99% APR for the life of the balance, no transfer fee at that time and my purchases are at 9.99% fixed now since I've never been late, so that is the secret with them -No affidavids to fill out with fraud or disputes, they take it off your account in the blink of an eye and that's it, and if it's a dispute you're always right!!! -They expedite a replament card to you anywhere in the world for free, there on the next day. -2% on foreign currency transactions, yes, but CITIBANK charges 3%! -You can always pay over-the-phone for free, no fee for that convenience,something you cannot expect from any bank. I work in customer service translation, so i get them all, at Bank of America, when you pay online, they delay your payment like 3 days from the time you make it so they can charge you their late fee, even if you step into a branch and pay in cash, they take 3 or 4 business days in applying it to your account. With AMEX the moment you make a payment online or over-the-phone it is effective. Trust me, they are the best in the market, and I don't get paid by them to tell you this...