I'll admit for a long time I didn't know a whole lot about American Express it wasn't until just a couple years ago I started researching them as a potential card that I really realized how good they were. I got my American Express card a little less than a year ago and have for the most part had only positive experiences with it. I lost my card while at the beach last year and was a little concerned that I would have to cancel my card and go through a whole headache of dealing with what would come from that. Boy was I wrong. The customer service was amazing, beyond my expectations. They worked with me and helped me make sure that everything was taken care of before issuing me a New card. I also was surprised by the rates. They are actually pretty good. I was expecting them to be outrageous and they aren't at all. Which makes me love this card even more. American Express has a pretty great rewards system too, it was a little confusing at first but then I realized that I was trying to over think it, and have since enjoyed my points and rewards immensely.