I only fly 2-3 times a year. I thought about Chase reserve, but the non travel card benefits for Amex are greater.

Also, I can run up a 200-300k current balance on the Amex.

My credit limit on my Chase Sapphire tops out at 81k

I’m in the industrial construction business. I’m constantly waiting to get paid, it’s the nature of the business. It just bugs me to think that they’ve made so much money off me, but would be so inflexible. Especially when 99% of the time my account gets paid like clockwork.