According to The Daily Oakland Express, Mark Hines, marketing director for GM cardmember services, said the new Flexible Earnings card will enable GM to reach a new group of consumers, who want one of the richest co-branded credit cards in existence and also want more options in how they use their earnings.

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It's like a newspaper, explains Kevin O'Toole, education director for Consumer Credit Counseling Services, the financial-services division of Family Services, a local nonprofit agency in Cedar Rapids, Iowa.

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The MBNA-American Express partnership will likely be a great boost for American Express, but consumer watchdogs are hoping customers will reap something more than a Bongo University American Express card.