Got it! We are providing a virtual credit line that is used to directly make payments on your behalf, so to answer your question - no you cannot use Amex to pay us. Our customers pay us directly from their bank account, pretty much the way they would pay for their other credit cards. We're different from traditional cards though, because we offer a credit line at 0% APR and no fees (overdraft fees, late fees etc.) and you can pay Rent using Neon (which is otherwise not possible using traditional credit cards or there are high fees). Besides, we do not charge any additional convenience or processing fees that traditional card companies do. As far as the points go, we'll be launching some features soon, that will far outweigh the returns you get from accruing points on your cards. :) Keep an eye out on our website, if you'd like to learn more: www.neonforlife.com