Anyone use American Express?

[Subjugation]

I was wondering if I should bother accepting an offer from Amex I received in the mail. Does anyone use their credit card?

My main point of concern is that is it really worth the $65 per year to just have a charge card with no interest rate? That's like...$5.50 a month or so. Plus, for the first year, there's not an annual fee.

I just don't really see the advantage of having an Amex over a Visa card. If you pay the Visa balance off every month, you're pretty much paying the same annual fee anyway.

[Fit of Rage]

Visa is accepted at loads more places--more versatile, I would say go with that.

[Tone]

how to build good credit (if you want yourself in the system):Have one credit card and use it for things you buy anyway, such as food.

No credit here. One Visa Debit, works to order stuff

[Cops]

credit cards are for jokers.

[Superted]

If you ask me, I'd say 'don't get any credit card'.

They're more trouble than they're worth, trust me.

[Ace]

AMEX up here is cool I got a free membership with mine to the price club which is like 50$ per year.... almost offsets the balance of the fee...... but all in all really unless you are running a business you should stay away from Credit Cards.