[Johnny555]

their customer service is far better than Visa/MC

I used to think that (and maybe it was true once), but haven't found that to be the case, I've had far better experience from Chase for my Sapphire card.

My wife recently ran into a problem with a booking through Amex's own travel service, the hotel said they had a reservation, but not payment, but we paid for the room at Amex travel. So we figured no problem, just pay the hotel directly (their rate was even lower than Amex) and call Amex to have them remove their charge.

It took 5 calls over several days to finally talk to someone who could help, and it still took 3 days for the charge to be reversed. And this is for a Platinum card.

[aidenn0]

IMO AmEx is still better than most banks, but my Chase card has definitely had better service in the past few years. Back in the day Discover had wonderful service, but I stopped carrying one because too many merchants wouldn't accept it.

[starwind]

I've had problems with AmEx for travel issues but never problems for return protection or charge backs (except in one weird case but they fixed it like a year later). I do travel and dining on my Sapphire and everything else on my AmEx