I have the Sapphire Preferred (and it is a Visa Signature), but I am thinking of the times like earlier this year when the quarterly Freedom 5X bonus included purchases at Amazon. If that were the case again and I was going to buy, let's say, a $500 TV - I would like to have the extended warranty that the Visa Signature provides. Most of the time I will be using the Freedom card for small purchases ( < $50 ) where the Signature status wont matter.