I have three amex cards, 2 blue ones and the clear EveryDay card. None of them have annual fees. The two blue ones is under one billing statement but they receive separate offers. My upcoming NCL cruise I split the payment between 3 credit cards, 2 of which were the Amex cards. I put enough on each amex card to meet the spending requirements and it was booked directly on NCL.com. The total savings were 375 between the 2 Amex cards, it's taken right off the statement no need for any reward redemptions, etc. That's probably the best thing about it. You still receive membership rewards points for the purchases although the reward is not as lucrative as a good travel reward credit card. The worse thing about it is you need to keep an eye on the offers and that takes time and some planning. The current offer states you need to book thru online or over the phone but I bet it may work if I use it to prepay my gratuities, soda package, spa, etc. Just need to get it over a $1000. You know right away if it worked or not because you will receive an email stating you just used one of the offers.