Regarding the Amex Plat I pay no annual fee. I think with the proliferation of credit cards they could noi longer afford to stay too far away from the market. Perhaps I was just lucky when I got invited to take one out that it had no fee at that time.Amex can be a bit of a pain as Amex why said in that they are in no way as widely accepted as say Visa. This is down to the fact that they cost the merchant more in terms of fees. However for large stores,petrol stations, hotels and airlines they are readily accepted plus they have the cash back facility, not a great deal but you can't knock something for nothing....not entirely true as you have to spend a significant amount to accumulate a cashback.On the plus side they are excellent to deal with service wise.