My wife and I are planning a Baltic cruise on Silversea for the summer of 2012. Trip goes from Copenhagen to Stockholm with two nights in St Petersburg. Then found they have a cruise two weeks earlier that goes from St Petersburg to Copenhagen (with a stop in Stockholm). It seemed that if we did that one, we could fly to Moscow, do 3 days there and then travel to St Petersburg and join the cruise. Only issue was my concern about doing Moscow without a tour - we will have points for hotels but wanted info about guided tours or even a private guide. Called AMEX Centurion Concierge. Explained the situation. They were certainly nice and said they would get back to me with a day. Day later, I got an email that it would be a few more days. Still waiting. On a whim, I called the Visa Signature Concierge from my British Airways Visa. Not only was she all over it, I got the info I needed within four hours. Very impressed with Visa and still waiting to hear from AMEX. And AMEX is 30 times as expensive as the Visa!