In 20 years of being a "member", I would say that American Express has had the best customer service of any bank I've ever dealt with. It has been painless even when traveling and when I have had to rent a car I've always just waived the rental insurance too.

I have the credit card but pay it off monthly and only charge what I can afford at the time. As such a member, paying no interest and having received many thousands of dollars in savings has been great. They "win" if you run a balance of course. Ouchie rates.