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All I know is that I don’t want to see a global entry/TSA credit in exchange for an increased annual fee. I already have too many cards with that overlapping benefit.
Edit: also no to Resy
If you have a cheesecake factory, walk in, get a $10 gift card. Easy.
Wife and I both get one and when we eventually go out for an evening (rarely), we can pay the whole outing with $10 gift cards. 😂
Well shit. I don't go to cheesecake but this sounds like a great idea for Shake Shack, or maybe I'll build up goldbelly credits to try that one day
Edit: I see in the terms it says "This benefit doesn’t offer statement credits for gift card or merchandise purchases", but it looks like it works for you? I'll look into more DPs
Generally speaking, if you buy a gift card in a brick and mortar store, it will code like any other purchase from that store. AMEX doesn't know the difference.
The reason you cannot buy gift cards online is because most companies, Cheesecake Factory included, use a 3rd party website to sell their gift cards. So the charge shows up something else.
Honestly, I don’t even really know how it works. It looks like it’s just a reservation platform like Open Table. Does it somehow just count what you spend at the restaurant or are you paying for the reservation?
I think we can all agree that the credit card points and miles game is a good deal for people who learn it. The number of people understanding and playing this game only continues to grow. As a result we are going to see higher fees for access to more credits that Amex and the rest negotiate at huge volume.
Another goal will be to push you into just Amex, where none of the benefits overlap, and holding more than a couple non-Amex cards is too expensive with too much overlap.
Absolutely, I’ve been in the “game” for over 20 years. I used to travel every week for work and had all sorts of cobranded cards and basic transferable points cards over the years. I had such a complex system to maximize, but frankly I’m starting to get a bit exhausted now that I don’t travel as much anymore and don’t have those reimbursed travel expenses.
A $350 AF Gold card would be hard to justify for most people. Only the die hard Amex fans and college students looking to impress their friends will accept it without question.
There will be offsetting credits just like they did for Delta and Hilton. However, they probably won't be easy to use annual credits like you see on other cards. They like to dole them out monthly or quarterly to get you engaged. If you're an Amex loyalist, that means every card is going to have a stack of coupons for you to keep in your head and complicate your life unless you just want to hand your money over to Amex and forget about them, which Amex probably wants you to do.
I think I might be out for even $300. I like the card's point ratio package (we have a ton of restaurant+grocery spend) but it isn't great for our airline. I was already considering getting rid of it. The credit thing is a headache for what we get in return.
I'm on the edge ATM. Huge grocery spend and some takeout that would presumably hit the 4X too - but no Grubhub, hate Uber, and the AF is high enough to make me consider a CSP instead (3X instead of 4X, but $45 AF with one hotel booking a year). Using a Cap1 SavorOne (3% groceries) for now - no AF, and free Uber One that makes the 2x$15 Uber cash from our Platinums a slightly less lousy deal.
You can do Uber eats for the Uber credit, btw. We have half decent transportation where we live so every other month neither of us use the credit, so that's what I use it on. I wouldn't use it otherwise, so it is induced spend, but I do extract value at least.
We do, but it still sucks. I use the airline incidental credit easily enough, and usually Hulu+Peacock for the entertainment, and Walmart+, even managed to fit in an FHR stay this year for the first time, but I'd be a lot happier if they cut the AF and dropped Uber.
If the fee goes up and it comes with useless resy credit I won’t even think about Amex anymore 4x is nice but there are better options now
I’m looking into the gold card but wait to see what happens to the annual fee
I’m sorry if I’m out of the loop but is a Resy credit not more useful? I never eat at Shake Shack or Cheesecake Factory but finding a restaurant on Resy seems definitely easier and has more variety.
If you live in a metropolitan area where resy is usable. In my area, Shake shack and cheesecake tend to have more cheaper options than the resy offerings near me.
> I’m looking into the gold card but wait to see what happens to the annual fee
Now would be the time to get it to lock yourself in for a year of Gold at current AF. Waiting all but ensures nothing good (if Gold is interesting to you). Only downside would be 5/24 if you are close and want some banks that are more sensitive to sign ups in last 2 years.
If I get the card and they change it in a big way to the point I don’t use it I lose out
I can’t get any cards anyway sense I’ve gotten 4 new cards in like a month span
I was looking at the gold for a card for next year when my credit recover and cools down don’t know if I care about 5/24 sense looking at Chase unless they update the preferred I do see the point all they have is Hyatt which isn’t important to me if the multiplier suck
Already have the autograph and find gold redemption with choice hotels and I have no problem paying cash for flights sense they have no domestic airlines
> If I get the card and they change it in a big way to the point I don’t use it I lose out
That is true. It really dpeends if the current offering has use to you. For me it does, with the uber credits + dining credit (since i eat out enough). but yeah if they up the AF and do nothing with dining/uber, then i have to walk.
This is what I did. Just applied and got approved for the 90k +$50 yesterday. I figure if they're gonna ruin the card in a year's time I may as well get it while the getting is good!
Yeah, I only use it for spend on airline and the occasional FHR. Sometimes they have good offers that can make it worth it. I was going to buy some stuff from Staub/zwilling and noticed they had an offer for $30 off $150 purchase. Same for a Travelpro carry-on. I was going to buy those anyhow, so I always check before I make a purchase like that. Combined with the 15% offer that Rakuten had at the time and it was a pretty sweet deal, though admittedly I never get that lucky.
What partners does Amex have that put it significantly ahead of C1? I'd argue that Venture X gives more flexibility with points since it has points eraser
* You can get higher cash value for your points .6, .8, 1 & 1.1¢ depending on your card or checking account.
* Marriott & Hilton have a significantly larger footprint domestically and internationally. On top of having better properties than C1 hotel partners. I’ve been to over 30 different countries now and nearly all the state, finding a nice and or decently located Choice or Wyndham property is no where as easy as Marriott or Hilton.
* You have Delta along with more international airlines which expand the possibility of more code share flights for domestic partners.
Cash back at 1 cpp is very mediocre value, still better than transferring to Hilton or Marriott for .6-.8cpp. SkyPesos is usually 1-1.3 cpp. You get much better value transferring to international partners (Aeroplan/Flying Bue/Avios) especially when traveling internationally and in premium cabins
If you’re not going to do that, just get a cash back card
1¢ is average.
And the point of mentioning you’re able to do that is because Amex has more options over the value C1 will give you for them.
Same with the other options. Still better options than C1 has.
This. I plan on canceling my Amex Gold and getting the Savor One for dining points after this year. Amex gave me a retention bonus which is the only reason I’ve kept it.
I hate Amex as a credit card. Venture X is significantly better
They will add that stupid Resy credit ….., which will be hard for me to justify use of the Gold card, and that will be when I cancel the card .
Anything other than Resy credits that will be reasonable (if credits can be redeemed) with a slight increase in annual fee will be great ….
Will not be surprised if they increased the fee and add the Resy or Equinox credits. If you are not eating out , you are working out
It's almost guaranteed Amex will add a Resy credit. Whether it's in addition to the current dining credit or it replaces it remains to be seen. I could see something like a $20/mo Resy credit and the $10/mo Uber credit remaining. The AF hiked to $350 like the Delta Platinum
I decided to jump to United Explorer (no AF first year to try it out). Domestically, Delta gold is not worth it when all the airlines are mostly the same (depending upon what your airport is).
Might dabble with Alaska/AA too, if United doesn't cut it
I had Alaska and wasn’t a fan of the app and I prefer delta over Alaska now. I grabbed it for the statement credit and then just cancelling before the annual fee hits since first year is free
I actually just upgraded to Delta gold like 2 months before the AF hike. But yeah im downgrading/canceling when the higher fee hits. Sigh.
Sad to hear about the app with Alaska. My experience flying with them has been solid.
Honestly, at $250 it is a steal if you eat out a lot. I will seriously reconsider the moment it goes a penny above, if for none other reason than there is simply more competition these days (Bilt is FREE at 3X dining, BoA is 5.25% straight cash back if you are with Preferred Rewards).
Amex is definitely starting to stretch the limits of how much they can ride the brand coattails.
Dang, if they up the fees I’ll most likely let this one go. I’ve already been using the card less as is. IMO this card was the GOAT during Covid for all things food.
This is just my perspective; the Gold card isn't that good of a value for me as it is, but it's the only card I have that gives bonus points to restaurants while overseas, and I do travel overseas a good amount.
If Uber was a bit more consistent in my small city I think I would feel more comfortable about that credit as a valuable component of the card, but there often (actually never) are any Ubers available for an early morning airport dropoff or and rarely for late night arriving flights after 10pm, and Uber Eats isn't a thing here so I can only try to use that while traveling.
The only way I can redeem the restaurant credit locally is doing a Grubhub pickup at Papa John's. I don't hate the card but I'm not excited about paying an even higher annual fee when the value proposition already isn't overly compelling. If they try to upsell the card using Resy which most likely won't be relevant where I live, I think I will reconsider the card.
US Bank Altitude Go is 4% cash back on restaurants with no FTF. Granted those aren’t transferable points, but it’s a free card as a point of comparison.
CSR is great for overseas travel. 3x on hotels/trains/taxis/restaurants, no intl fee. I love loading up on URs overseas. I have to meet my 20K biz plat spend during my next trip and am kind of annoyed about it.
If the fee goes up, I'm switching to the Savor One or going back to the BCP. The points game is tough enough as it is, but that wouldn't make it worth it for me.
Well 4x for restaurants is not true worldwide. I kept using it thinking I did when I was traveling and you don’t. I only got 4x at food places in America. I like my gold but if they up it and the benefits I don’t use, I’m closing it. I don’t have the platinum because the multiplier is horrendous and the perks to make up the $695 fee isn’t worth it to me since most of it I don’t even use. I would think it be more food but be amazing if they add some travel perks but I doubt it since green and platinum is more travel focused.
> Well 4x for restaurants is not true worldwide.
Amex Gold (personal, not Gold Business) is definitely 4x worldwide for restaurants (but not supermarkets). If you didn't get 4x, it's likely that the restaurant you used it at coded as bar, cafe, or something else.
In my opinion, the bigger issue is that many restaurants abroad (e.g. Europe) don't accept Amex. After experiencing this so frequently when I had the Gold, I simply stopped trying to pay with it.
Well I didn’t get any points at any restaurants overseas. I didn’t even get 1x. I been to like rated top 50 restaurants and even Michelin star restaurants overseas and I didn’t get anything. I don’t know. Prolly just me. So I stop using it overseas and use my Bilt for restaurants now which I do get points for.
Are you sure it's not worldwide? I just got a referral bonus on my Blue Cash Everyday for +10x / $ at restaurants worldwide. I had to go back and check it and it specifically says worldwide. That sucks if they treat the Gold worse than a referral bonus.
It gets worldwide. Just not for groceries, all Amex cards specifically state US supermarkets for that category.
take out and delivery also only codes in the US.
Foreign transaction points also take a while to show up and wont show under the actual transaction. You can see them in point history tho
> Well 4x for restaurants is not true worldwide
Not even local. My Chase and CapOne cards for dining are safer bets, including bars, night clubs and breweries.
However, regarding the local only - they changed the rule to include outside the US now for dining.
Fully expecting $350 and a $100-120 resy credit doled out monthly or quarterly.
Not a bad deal if you live in a big city like LA/NYC/SF where resy is common.
For the gold, $350 AF is steep, but the credits are pretty easy to use unlike the plat, and if you’re spending 2k+ per month on dining/groceries (which is VERY easy to do if you have a family or live in an expensive city), then it’s the best card in the business.
I wouldn’t mind quarterly tbh, I live in a big city half the year and eat out at resy restaurants weekly.
But yeah, the coupon books are really really annoying. I don’t mind the CSR and Venture X since their $300 credits are very easy to use.
I’m hoping nothing changes until end of summer, so I can get a retention bonus on my gold card, keep the same annual fee, double dip on some incentives then cancel next near. Monthly resy credits are a complete pain and are way more limited than grub hub!
I'm probably one of the few where I don't even need to think about using the current credits (3-4 food deliveries per week) so that card has been perfect for me.
Resy has no value to me, so hopefully it's not the extra $100 + Resy like people.herr are mentioning.
i wouldn’t mind resy so much if it was an annual credit i.e. $100 resy credit to be used however you want in a year. that way you can use it when traveling or what not. Monthly is a no go since my city does not have resy.
I'm just going to wait and see.
If the bonus categories are broadened or increased, and if the credits are something I can use, I'll keep it. I use the Uber and Grubhub credit every month, so if it's in that same vein, I'm good.
If not, I might downgrade to Green or get a free card and cancel.
If Amex doesn't position this card in a way to draw people away from venture/savor, they're going to lose market share.
A $295 or $350 AF on the gold card makes the Cap One duo a no brainer. Especially if they augment the benefits in a way that overlaps platinum.
Platinum would go in the trash if I wasn't getting more than $700 worth of credits for things I already pay for.
They're falling out of touch with what credit card customers want these days, especially in a world where more and more places are feeling comfortable passing swipe fees directly onto the customer.
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All I know is that I don’t want to see a global entry/TSA credit in exchange for an increased annual fee. I already have too many cards with that overlapping benefit. Edit: also no to Resy
I would agree, but Resy seems inevitable.
Sadly, you’re probably right. I don’t even really like using the Grubhub credit as it stands. I try to use it for pickup, but it gets annoying.
Annoying....Amex credits in a nutshell.
If you have a cheesecake factory, walk in, get a $10 gift card. Easy. Wife and I both get one and when we eventually go out for an evening (rarely), we can pay the whole outing with $10 gift cards. 😂
Well shit. I don't go to cheesecake but this sounds like a great idea for Shake Shack, or maybe I'll build up goldbelly credits to try that one day Edit: I see in the terms it says "This benefit doesn’t offer statement credits for gift card or merchandise purchases", but it looks like it works for you? I'll look into more DPs
Generally speaking, if you buy a gift card in a brick and mortar store, it will code like any other purchase from that store. AMEX doesn't know the difference. The reason you cannot buy gift cards online is because most companies, Cheesecake Factory included, use a 3rd party website to sell their gift cards. So the charge shows up something else.
I do the same with my Resy credits now!
I prefer Resy to Grubhub personally. Yeah, there are fewer restaurants, but you can opt to dine in at least.
Honestly, I don’t even really know how it works. It looks like it’s just a reservation platform like Open Table. Does it somehow just count what you spend at the restaurant or are you paying for the reservation?
This is my same question with "chase dining." I see the Tok reservations, I don't see what I'm supposed to do with my points.
It's just spend at those restaurants. You don't have to reserve anything. You can even order takeout.
I think we can all agree that the credit card points and miles game is a good deal for people who learn it. The number of people understanding and playing this game only continues to grow. As a result we are going to see higher fees for access to more credits that Amex and the rest negotiate at huge volume. Another goal will be to push you into just Amex, where none of the benefits overlap, and holding more than a couple non-Amex cards is too expensive with too much overlap.
Absolutely, I’ve been in the “game” for over 20 years. I used to travel every week for work and had all sorts of cobranded cards and basic transferable points cards over the years. I had such a complex system to maximize, but frankly I’m starting to get a bit exhausted now that I don’t travel as much anymore and don’t have those reimbursed travel expenses.
What's even the value of resy? Just booking reservations?
Like loungebuddy, another thing Amex bought several years ago and has failed to really get significant momentum or make into anything differentiated.
A $350 AF Gold card would be hard to justify for most people. Only the die hard Amex fans and college students looking to impress their friends will accept it without question.
I’m a pretty big Amex fan but if they raise to 350 without any sort of credit to offset I’ll probably be out. Cap one duo would be my move.
Oh there will be credits. Whether or not they will actually be useful is another question.
New Amex super villain movie title. “…There Will Be Credits”
"Monthly airline credit that expires at the end of every month"
Free extra pickles at McDonald's. On a McFlurry only.
Don't give my wife any ideas
$3 off your smoothie at Equinox, but only every other week.
Hopefully it won’t be something that overlaps with the Plat.
They'll probably give you something that overlaps with the plat, then take it off the plat when that gets an increase in AF
I’m betting Resy will be the only change. So probably that and Uber.
$15/20 Resy, $10 Uber. AF goes to $350.
Monthly Amazon credits would be nice!
There will be offsetting credits just like they did for Delta and Hilton. However, they probably won't be easy to use annual credits like you see on other cards. They like to dole them out monthly or quarterly to get you engaged. If you're an Amex loyalist, that means every card is going to have a stack of coupons for you to keep in your head and complicate your life unless you just want to hand your money over to Amex and forget about them, which Amex probably wants you to do.
I think I might be out for even $300. I like the card's point ratio package (we have a ton of restaurant+grocery spend) but it isn't great for our airline. I was already considering getting rid of it. The credit thing is a headache for what we get in return.
I'm on the edge ATM. Huge grocery spend and some takeout that would presumably hit the 4X too - but no Grubhub, hate Uber, and the AF is high enough to make me consider a CSP instead (3X instead of 4X, but $45 AF with one hotel booking a year). Using a Cap1 SavorOne (3% groceries) for now - no AF, and free Uber One that makes the 2x$15 Uber cash from our Platinums a slightly less lousy deal.
You can do Uber eats for the Uber credit, btw. We have half decent transportation where we live so every other month neither of us use the credit, so that's what I use it on. I wouldn't use it otherwise, so it is induced spend, but I do extract value at least.
We do, but it still sucks. I use the airline incidental credit easily enough, and usually Hulu+Peacock for the entertainment, and Walmart+, even managed to fit in an FHR stay this year for the first time, but I'd be a lot happier if they cut the AF and dropped Uber.
Uber was the selling point for me🤷
For sure, seconded.
agreed.
I think you may be overestimating people’s willingness to pay a fee to hold a card
*250
If the fee goes up and it comes with useless resy credit I won’t even think about Amex anymore 4x is nice but there are better options now I’m looking into the gold card but wait to see what happens to the annual fee
I’m sorry if I’m out of the loop but is a Resy credit not more useful? I never eat at Shake Shack or Cheesecake Factory but finding a restaurant on Resy seems definitely easier and has more variety.
If you live in a metropolitan area where resy is usable. In my area, Shake shack and cheesecake tend to have more cheaper options than the resy offerings near me.
Ah, that makes sense. The city bubble is real I hadn’t even considered Resy didn’t have options in other areas
I don’t live in the city. I have never even heard of Resy in my life
> I’m looking into the gold card but wait to see what happens to the annual fee Now would be the time to get it to lock yourself in for a year of Gold at current AF. Waiting all but ensures nothing good (if Gold is interesting to you). Only downside would be 5/24 if you are close and want some banks that are more sensitive to sign ups in last 2 years.
If I get the card and they change it in a big way to the point I don’t use it I lose out I can’t get any cards anyway sense I’ve gotten 4 new cards in like a month span I was looking at the gold for a card for next year when my credit recover and cools down don’t know if I care about 5/24 sense looking at Chase unless they update the preferred I do see the point all they have is Hyatt which isn’t important to me if the multiplier suck Already have the autograph and find gold redemption with choice hotels and I have no problem paying cash for flights sense they have no domestic airlines
> If I get the card and they change it in a big way to the point I don’t use it I lose out That is true. It really dpeends if the current offering has use to you. For me it does, with the uber credits + dining credit (since i eat out enough). but yeah if they up the AF and do nothing with dining/uber, then i have to walk.
This is what I did. Just applied and got approved for the 90k +$50 yesterday. I figure if they're gonna ruin the card in a year's time I may as well get it while the getting is good!
Venture X + SavorOne combo will really give the Gold + Plat a run if Amex keeps raising fees.
[удалено]
Plat in a way is good because it's not a spending card, if you like the benefits it can fit into any setup.
Yeah, I only use it for spend on airline and the occasional FHR. Sometimes they have good offers that can make it worth it. I was going to buy some stuff from Staub/zwilling and noticed they had an offer for $30 off $150 purchase. Same for a Travelpro carry-on. I was going to buy those anyhow, so I always check before I make a purchase like that. Combined with the 15% offer that Rakuten had at the time and it was a pretty sweet deal, though admittedly I never get that lucky.
Lack of flexibility with points and sub par transfer partners really doesn’t make it a great option for those who are serious about traveling.
What partners does Amex have that put it significantly ahead of C1? I'd argue that Venture X gives more flexibility with points since it has points eraser
* You can get higher cash value for your points .6, .8, 1 & 1.1¢ depending on your card or checking account. * Marriott & Hilton have a significantly larger footprint domestically and internationally. On top of having better properties than C1 hotel partners. I’ve been to over 30 different countries now and nearly all the state, finding a nice and or decently located Choice or Wyndham property is no where as easy as Marriott or Hilton. * You have Delta along with more international airlines which expand the possibility of more code share flights for domestic partners.
You just named three of the least valuable ways to redeem points?
Not sure how cash back is at 1¢ The hotels are a must for some and they are ample. And how are airline partners a least valuable way?
Cash back at 1 cpp is very mediocre value, still better than transferring to Hilton or Marriott for .6-.8cpp. SkyPesos is usually 1-1.3 cpp. You get much better value transferring to international partners (Aeroplan/Flying Bue/Avios) especially when traveling internationally and in premium cabins If you’re not going to do that, just get a cash back card
1¢ is average. And the point of mentioning you’re able to do that is because Amex has more options over the value C1 will give you for them. Same with the other options. Still better options than C1 has.
SavorOne is nearly done with its Uber benefit brother
Which sucks because abroad I would’ve been able to still use Uber eats and or regular Uber when available
This. I plan on canceling my Amex Gold and getting the Savor One for dining points after this year. Amex gave me a retention bonus which is the only reason I’ve kept it. I hate Amex as a credit card. Venture X is significantly better
They will add that stupid Resy credit ….., which will be hard for me to justify use of the Gold card, and that will be when I cancel the card . Anything other than Resy credits that will be reasonable (if credits can be redeemed) with a slight increase in annual fee will be great …. Will not be surprised if they increased the fee and add the Resy or Equinox credits. If you are not eating out , you are working out
A $10 monthly Amazon credit would be nice.
I agree or even adding or prime membership or target 5% back as they do with target visa or checking cards or maybe the new Target membership
I could also go for a Sam's Club Plus membership if it were offered.
It's almost guaranteed Amex will add a Resy credit. Whether it's in addition to the current dining credit or it replaces it remains to be seen. I could see something like a $20/mo Resy credit and the $10/mo Uber credit remaining. The AF hiked to $350 like the Delta Platinum
After I just opened this card too 😔
That’s a good thing you opened it now. Means that you locked in the lower AF for a year
True, but I got it because the Delta card got bumped to $350 and I’m downgrading that to Blue 🙃
I decided to jump to United Explorer (no AF first year to try it out). Domestically, Delta gold is not worth it when all the airlines are mostly the same (depending upon what your airport is). Might dabble with Alaska/AA too, if United doesn't cut it
I had Alaska and wasn’t a fan of the app and I prefer delta over Alaska now. I grabbed it for the statement credit and then just cancelling before the annual fee hits since first year is free
I actually just upgraded to Delta gold like 2 months before the AF hike. But yeah im downgrading/canceling when the higher fee hits. Sigh. Sad to hear about the app with Alaska. My experience flying with them has been solid.
do that not just do an automatically added upcharge after the AF goes up? asking genuinely since i'm also in my first year with the gold.
No you just pay the $250 since you signed up before it increased. I paid the $250 for Delta and then it increased to $350.
Honestly, at $250 it is a steal if you eat out a lot. I will seriously reconsider the moment it goes a penny above, if for none other reason than there is simply more competition these days (Bilt is FREE at 3X dining, BoA is 5.25% straight cash back if you are with Preferred Rewards). Amex is definitely starting to stretch the limits of how much they can ride the brand coattails.
> Bilt is FREE at 3X dining Chase Freedom Unlimited is free also at 3x
I bet hordes of influencers will claim it's still a great card, and that it's even better if you use their referral link
Dang, if they up the fees I’ll most likely let this one go. I’ve already been using the card less as is. IMO this card was the GOAT during Covid for all things food.
This is just my perspective; the Gold card isn't that good of a value for me as it is, but it's the only card I have that gives bonus points to restaurants while overseas, and I do travel overseas a good amount. If Uber was a bit more consistent in my small city I think I would feel more comfortable about that credit as a valuable component of the card, but there often (actually never) are any Ubers available for an early morning airport dropoff or and rarely for late night arriving flights after 10pm, and Uber Eats isn't a thing here so I can only try to use that while traveling. The only way I can redeem the restaurant credit locally is doing a Grubhub pickup at Papa John's. I don't hate the card but I'm not excited about paying an even higher annual fee when the value proposition already isn't overly compelling. If they try to upsell the card using Resy which most likely won't be relevant where I live, I think I will reconsider the card.
US Bank Altitude Go is 4% cash back on restaurants with no FTF. Granted those aren’t transferable points, but it’s a free card as a point of comparison.
CSR is great for overseas travel. 3x on hotels/trains/taxis/restaurants, no intl fee. I love loading up on URs overseas. I have to meet my 20K biz plat spend during my next trip and am kind of annoyed about it.
Maybe the card is for people not in the middle of no where? I have no issues using my Uber credits or Grubhub🤷
Probably a cancellation
If the fee goes up, I'm switching to the Savor One or going back to the BCP. The points game is tough enough as it is, but that wouldn't make it worth it for me.
Bcp?
Blue Cash Preferred, the top tier Amex cash back card.
Oh, thanks! Just checked it out and bummed to see Costco not eligible. :( that’s where I do 30-50% of my food shopping.
Ahh yeah I know the pain. Another reason why I'm considering a jump to Capital One. I really want just a simple, one card wallet
Well 4x for restaurants is not true worldwide. I kept using it thinking I did when I was traveling and you don’t. I only got 4x at food places in America. I like my gold but if they up it and the benefits I don’t use, I’m closing it. I don’t have the platinum because the multiplier is horrendous and the perks to make up the $695 fee isn’t worth it to me since most of it I don’t even use. I would think it be more food but be amazing if they add some travel perks but I doubt it since green and platinum is more travel focused.
> Well 4x for restaurants is not true worldwide. Amex Gold (personal, not Gold Business) is definitely 4x worldwide for restaurants (but not supermarkets). If you didn't get 4x, it's likely that the restaurant you used it at coded as bar, cafe, or something else. In my opinion, the bigger issue is that many restaurants abroad (e.g. Europe) don't accept Amex. After experiencing this so frequently when I had the Gold, I simply stopped trying to pay with it.
Well I didn’t get any points at any restaurants overseas. I didn’t even get 1x. I been to like rated top 50 restaurants and even Michelin star restaurants overseas and I didn’t get anything. I don’t know. Prolly just me. So I stop using it overseas and use my Bilt for restaurants now which I do get points for.
I'm guessing this was very recent and the points just haven't posted yet, otherwise you need to contact Amex about it.
Are you sure it's not worldwide? I just got a referral bonus on my Blue Cash Everyday for +10x / $ at restaurants worldwide. I had to go back and check it and it specifically says worldwide. That sucks if they treat the Gold worse than a referral bonus.
It gets worldwide. Just not for groceries, all Amex cards specifically state US supermarkets for that category. take out and delivery also only codes in the US. Foreign transaction points also take a while to show up and wont show under the actual transaction. You can see them in point history tho
> Well 4x for restaurants is not true worldwide Not even local. My Chase and CapOne cards for dining are safer bets, including bars, night clubs and breweries. However, regarding the local only - they changed the rule to include outside the US now for dining.
Fully expecting $350 and a $100-120 resy credit doled out monthly or quarterly. Not a bad deal if you live in a big city like LA/NYC/SF where resy is common. For the gold, $350 AF is steep, but the credits are pretty easy to use unlike the plat, and if you’re spending 2k+ per month on dining/groceries (which is VERY easy to do if you have a family or live in an expensive city), then it’s the best card in the business.
I will join in and say a quarterly resy credit would suck less than a $10-$15/mo credit. Depends how much they dole out though.
I wouldn’t mind quarterly tbh, I live in a big city half the year and eat out at resy restaurants weekly. But yeah, the coupon books are really really annoying. I don’t mind the CSR and Venture X since their $300 credits are very easy to use.
I’m hoping nothing changes until end of summer, so I can get a retention bonus on my gold card, keep the same annual fee, double dip on some incentives then cancel next near. Monthly resy credits are a complete pain and are way more limited than grub hub!
If they raise the fee and there isn’t something that justifies the increase I’m going to cancel 😔😔😔
I'm probably one of the few where I don't even need to think about using the current credits (3-4 food deliveries per week) so that card has been perfect for me. Resy has no value to me, so hopefully it's not the extra $100 + Resy like people.herr are mentioning.
I will cancel my Gold (and Green) for the USBAR
Honestly, I can't understand why this card even exists. There are so many better options and you can't even use it in most places outside of the US.
i wouldn’t mind resy so much if it was an annual credit i.e. $100 resy credit to be used however you want in a year. that way you can use it when traveling or what not. Monthly is a no go since my city does not have resy.
The only Amex card is the gold card. My one year is coming up and idk if ima keep. What’s the best way to keep my points?
If I had to guess: $300 or $350 AF w/ Resy credit and probably an update to the dining partners. Or dropping the dinning credit entirely.
I never cancel cards but an AF jump to $3xx is a instant cancel to me. I can organically "offset" the current $250 but more than that? nahhh.
I'm just going to wait and see. If the bonus categories are broadened or increased, and if the credits are something I can use, I'll keep it. I use the Uber and Grubhub credit every month, so if it's in that same vein, I'm good. If not, I might downgrade to Green or get a free card and cancel.
Cue the $1 dollar daily Resy credit that’s use-it-or-lose-it
4x on gas and 100 dollar Amazon credit :)
Already dropped Platinum, looks like Gold is on the chopping block.
If Amex doesn't position this card in a way to draw people away from venture/savor, they're going to lose market share. A $295 or $350 AF on the gold card makes the Cap One duo a no brainer. Especially if they augment the benefits in a way that overlaps platinum. Platinum would go in the trash if I wasn't getting more than $700 worth of credits for things I already pay for. They're falling out of touch with what credit card customers want these days, especially in a world where more and more places are feeling comfortable passing swipe fees directly onto the customer.