I have to say having been through the experience of trying to use the purchase protection warranties on these cards... in a couple of cases had to call on extended warranties, and also call on a price match and a product return where retailer would not take back...... I have found that sticking with Amex (real Amex) and Chase very worthwhile. On a Citi issued card where I saw a price drop some 40 days after purchase from Amazon, they would not help as they do not cover internet purchases. And with a B of A Virgin Amex I made use of the extended warranty. It is quite a long drawn out process. With Amex itself they have historically been very quick and very easy with this kind of thing, and I only read good things about Chase. So it just reaffirms my choices and sticking with Amex and Chase. Citi customer service sucks.

QL_714 - I understand the Chase AARP gig is over. And many people locked out for abusing. There were crazy abuses of the Freedom/Preferred transaction bonuses but again no point getting locked out even if you managed a couple 100k points.