Originally Posted by Relentless

Be aware if you ever do face bankruptcy American Express is far and away the most relentless collector of consumer debt. Most banks and cards will take pennies on the dollar and allow for a faster resolution, AMEX typically digs in and doesn't let go. That doesn't sound important because you don't plan to ever go bankrupt. Having watched people go bankrupt, I can tell you nobody plans to go bankrupt. If you intend to carry any kind of balance on a card or credit line, do it with someone else (even if costs you an extra point).

If you do pay the full balance monthly, Amex Platinum has some nice travel perks, but I've done better over the years with capital one for points rewards.