American Express has become a sub-standard card. During the holiday season numerous places of business denied the card complaining that they are charging retail vendors too much. It was also turned down by several restaurants, one of which I was lucky enough to have just enough cashto pay the check and had to apologize to the waitress for stiffing her. I also booked a flight the beginning of Dec. to the Dominican Republic using my membership rewards points. The Am Ex operator directed me to go online and use 67, 239 points...the... read full review »