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Nine years after college Graham returns to visit and perhaps live in Baton Rouge. Later she learns that John has invited Graham to stay with them until he finds an apartment.

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Since then, American Express (a Credit Card Forum advertising partner) raised the annual fee all the way up to ,500.

In addition, they’ve now tacked on a ,500 so-called “initiation fee” just to get the card.

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However, American Express sadly dropped that benefit several years ago.

With the reported nerfing of benefits, it makes one wonder why people bother with the black card at all.

Consider the Marriott Rewards Premier card, which is both black and made out of metal: If you frequently stay at Marriott Hotels, consider this card. In this case you might even say blue is the new black. Now it looks even better because it comes with Chip & Signature technology.

In addition to giving you extra points back on Marriott stays, it has a great sign-up bonus right off the bat. Like the Centurion card, this is made out of real metal (aluminum, perhaps? Vanity aside, the Sapphire Preferred is is a great credit card offer because you can earn 50,000 bonus points after you spend ,000 in the first three months from account opening.