I have 700,000 miles +/- on Delta from using my Amex for my business. Paid off every month so just the annual fee. I can fly to the moon and back for free. It has been hacked once, but Amex caught it and cost me nothing. FYI when my account from another card got blocked once by the CC company, I was trying to buy my inlaws a TV in Walmart. #1 place for using stolen or hacked cards is the electronics section of Walmart.