Originally Posted by Mauricio23

1NewFlyer - yes, I have put flight delay claims through Amex a few times without issue in the past. I also put in a claim for damage to a rental car with them, again without issue (about 8 years ago).

ffsim, Capital One has the best reward ratio in the market - effectively 2% on every single purchase. Once the effective value of aeroplan miles dropped below 0.02 for me, Capital One became the best rewards deal out there.

I keep an Amex Gold for Costco purchases. Right now, I put every purchase that requires insurance through Amex (including all air travel), and everything that does not require insurance through Capital One. Given my spend level, it is still worthwhile to pay both annual fees.