I have always shyed away from credit cards for the most part especially American Express because of high annual fees. Until now... I have recently started using the American Express Zync Card because for starters it is not a credit card. It is a charge card. Which means that the balance must be paid off every month. I am using this card now as my debit card because of the reward points. The annual fee is a small $35 per year so it only made sense for me to start using it instead of my Wells Fargo debit card. Make the same purchases, just get rewarded for it.
There are some drawbacks though. There is no spending limit on the card but American Express takes into consideration your average monthly spending so dont go try to charge a $40k car on it because it more than likely will be declined. If you have a big purchase to make just contact American Express and be able to prove you can pay the debt off at the end of the month and they will more than likely authorize it.
The rewards program for the Zync card is unique in the fact that you can pick various reward packs that earn you double points. So, if you constantly eat out you can choose the dining pack and earn double points every time you eat out. Here is the link to the Zync card. Take a look at the various packs and sign yourself up for one! The Zync Card from American Express
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