I love my Amex. I bought a new iPhone, accidentally dropped it and got a cracked screen. Amex refunds the money. I get a new iPhone. Buy a Marc Jacobs belt at the boutique (no returns). It breaks. Get refunded. Also, roadside assistance, they'll call a tow truck and tell your family what happened. Lots of rewards... I think I've flown to LA and Seattle for free at least 5 times now.
If you don't have an Amex yet, you're missing out man.