As for an AMEX I agree this seems the way to go,and I'll switch once my free year with the DELTA card is up. But I still feel that the best deal is DINERS,especially if they keep up with 1pt = 1mile with BA every summer for the past few yrs. More important their CDW is primary so you need not imform your insurance if you had an accident with the rental,not the case with all others since they will pay only after your insurance has so you must imform them.