I had the CO Chase card and found it a pain...when I pay my AX bill (even on the due date itself) I get a text message confirming payment and it's a 30-second web transaction. The first few times I tried to pay my Chase bill online, I didn't understand how. Their Web interface sucks, or at least it did during my cardmembership (2003-04). If I could get CO miles on an AmEx-branded product, I'd do it in a heartbeat.