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> I'd imagine most amex users probably have a mastercard/visa anyways

I didn't, for several years, until a Visa card came out with better terms (1.5% cash back) than the Amex variant I was using (1%).

Also, some companies provide an Amex Corporate card for travel expenses, and it's less convenient to charge things to any other card.



was it for convenience reasons (didn't want to deal with 2 credit cards)? because from a purely rational point of view, using debt/cash when a place doesn't take amex is always worse than using a no yearly fee visa with some amount of cashback.


I almost never ran into a merchant that didn't accept Amex, so I didn't have any particular reason to go to the trouble of getting another card. In fact, I more frequently ran into places that didn't take credit cards at all.




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