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I have 3 CC 1 CU card I keep because it's the one I have had the longest to help with my AA, 1 Visa and 1 Amex I know some places do not accept Amex and I got both of them to help with Cash Back and I heard they both gave higher CLI or amounts so I was excited for that part too! I have only had 2 of the 3 for a little over a month so I can't comment to to much on them but I do love my Visa more than Amex even though the Amex is supposed to be harder to approve?! Not sure if that part is true/accurate or not