<prompt> Human: Im a 20yr old dude with a decent credit score 760. I keep seeing offers for me to sign up with American Express. Whats so great about AMEX? What benefits do they give me that my credit card from Navy Federal doesnt? I dont use my credit card all that often. I only charge about 150mo thats high balling with my guess too onto my credit card and pay it back on time and usually before its due. I dont make large purchases all that often and with my credit card usage being decently low, do I even have a need for an AMEX card?  <response>: The perks on Amex cards are pretty good. Customer service is also very good. If you care about those things. 