I have an AMEX and its not green, its not gold, its not platinum. I don't have to pay full balances (although, I do most of the time), and no annual fee. I get 1.5% cash back for my purchases. I do like their services, especially when I travel and use it. They do not charge me an extra foreign transaction fee that Visa will. There are also other perks. I've thought about going platinum with them when I was offered the card, but eh... I enjoy my low APR, if I would've moved to the other card the APR probably increases a percent or two.