Totally useless!! Joined to get the welcome bonus of 20k avois and paid a fee of over £200. I reached the required spending requirements so phoned to claim points. Was told that as I had another Amex account that had been closed 23 months earlier I was not eligible ( there has to be a 24 month gap). When I initially applied I spoke to someone online who at no point mentioned the 24 month regulation. Do not use Amex!!