You didn't miss much Caroln, believe me. I only got the first card because it was pre-approved and gives 3% cash back on groceries all the time. My revised American Express motto..."American Express; don't leave home without another card". Costco dumped AmEx and some places just won't take it. Once I tried to use the card for my resort reservation and I was told it was declined. I have no idea why. I was nowhere near my limit and my credit is excellent. I'm glad it wasn't the only card I was carrying.American Express can go pound dirt. Years ago my DH and I applied for a AE card and were turned down. We didn't make enough money for them to bother with us. I still don't understand it. We were both working, made decent wages and had good credit. Guess middle class doesn't suit them. It still makes me angry when I get a flyer in the mail from them, saying we're "pre-approved" for their precious credit card.