I was browsing around and came across all the cardholder agreements for the AMEX cards. It shows a different side of American Express in my opinion. First thing that caught my eye is that the ZYNC card is offered in 3 different kinds.
Zync from American Express®
Online applicants who don't qualify for a standard ZYNC Card® may receive a Decline Counter Offer for another type of ZYNC Card. The card will have the same ZYNC benefits, but it will have a spending limit and it may require payment through an automatic debit of your bank account.