Full disclosure: I cut up my AmEx card 40+ years ago for sticking me with some "travel magazine" without asking. It was 90% ads, and they had the gall to demand that I pay a $35 subscription fee for it. Never again.
We have two credit cards and they are with regional banks.
We don’t need any more. Credit is a trap anyways. It’s way too easy to over spend and get hammered with fees. What a waste of money.