I have used American Express for many years for business purposes. My husband and I own a livery business and this card has really come in handy for emergency purposes where we don't have ready cash but it is on it's way to us. Customer Service The customer serviced department is excellent to work with. There have been occasions where due to business issues we could not make the entire monthly payoff. They are more than willing to work with you on those issues and they will not suspend card use because of those issues. They understand that business issues come up. I like that they ask is there anything you need from them to make things easier for you and the business. They are very caring and understanding of every individual issue and they work hard to make sure every customer's concern is addressed before the call ends Available Rates With this particular card, I have a decent rate, the only fee I pay is a annual fee and it is very low.