Yeah, I can't get by with the AmEx only. It's also my personal preference not to pay an annual fee at all. Hilton has no-fee Amex and Visa, so that pretty much covers all my expenses. I like having the Amex, though, not only because you can use it at Costco but because it overs 50% more points on everyday purchases than the HHonors Visa. For no fee, that suits my needs perfectly.