The AMEX thing looks like a pretty good deal if you do a lot of air travel, but not if you don’t and I don’t. I’ve had the Citibank AAdvantage card for about 20 years and I still have about 100k miles on American that I need to use before they expire. They’ve made it a lot harder to redeem them, and there’s a $100 annual fee, which is why I switched about a year ago to the Capital One rewards card. No fees, lots of standard benefits (rental car waiver insurance, double warranty, $500 reimbursement for purchases lost/stolen/broken in the first 90 days, etc) and 1.5% cash back on all purchases. Seemed like the best deal going at the time.