DavidNY wrote:If you just want a charge card for the 'prestige', I would recommend against it. it's mostly marketing BS, and you may have a new annual fee you didn't have before.
Amex Platinum will give you airport lounge access if you really need that, but for the most part merchants will sell you the same box of rice for the same price no matter how you pay (excepting cash, for which you might get a discount!)
These are all financial cards, so go for the card which will offer you the greatest financial benefit. The 3%/1% card you have seems decent.
If you want more benefits, try upgrading your Visa to Visa Infinite and/or your MC to World MC if your bank offers these programs which give your cards added benefits and buyer protection on purchases, you won't have to pay extra, and, like Amex charge cards, they don't report a credit limit, though they have the potential for lowering your credit score a bit as the high balance is substituted for your credit limit in credit reports.
Good advice. Will follow this. I should focus more on investing intelligently than look for a better financial card.
Plus, like I said, I barely use credit cards so… I was just trying to rationalize haha! Thanks folks