Originally Posted by pinniped
What is the Amex financial review?
I'm guessing it's what every creditor does - periodically review your credit report to make sure everything is OK. If something negative has been reported by another creditor, AmEx might want to raise your interest rate, lower your credit, see extra documentation, etc.
Sounds like the Ritz benefit isn't great, but getting free airline tickets for each X tickets you buy sounds pretty good.