But you can't compare US Bank with Amex when it comes to customer service and benefits.
Asher, Just to muddy the waters somewhat, Diners Club offers a better redemption rate to Matmid than does Amex MR.
Amex 70 points = 1 Matmid point
Diners Club 50 points = 1 Matmid point
i.e. Diners Club (which is a branded MASTERCARD, accepted everywhere, with CDW protection, buyers protection and more)
is 40% cheaper than using American Express!