Originally Posted by
jackal
I've never had a problem with any of my credit cards (I rarely do anything that requires me to see how good their customer service is, but I haven't had complaints about any of my multitude of cards), but, for all the flack given them, I've experienced good service with American Express (with all levels, from my Blue to my Platinum). You do talk to India when you call, but the agents have always been helpful and pleasant.
From what I understand, one of the best combinations of benefits and service is the SPG card from Amex, and close behind it is the HHonors card, also from Amex. One or both of those (I can't remember) carries no annual fee, too, I believe. (Those are two Amex cards I don't have...yet.)
The only other points card I happen to carry is the aforementioned SPG American Express, and it does have an annual fee of $45/year, last I checked (when it began just a couple of years ago, it was $30/year). I echo the feelings about Amex customer service; even though it's India, it's far more knowledgeable than Bank of America card services.