Yep, most AmEx products on offer are ~ 3% FTF. Centurion, Platinum, Delta (within the last 2 years), and SPG (within the last year) are 0% FTF. What I typically do is book the hotel and do the preauth with my Platinum card. I will then settle the bill with my affinity card (Citi Hilton Visa or Chase Marriott Visa). For smaller transactions, as I've said before, I just use cash or a contactless stored value card like Octopus or EasyCard.