Amex Plat or Chase sapphire reserve? I’m in my fifth year on Amex and felt the fees too high

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Neither, just use cash for everything. You're using a lot of time and energy deciding who you're going to be indebted to, which is a weird choice when you can just use a debit card

helpfulfunny

Yup! I haven't used a credit card in like 7 or 8 years. There's just no point. If you don't have the cash, then you can't afford whatever it is you're buying, so just don't buy it

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They make sense only for open bonuses.

I have Amex platinum and at first, I hate it because of the variable spending limits. However after having it for 4 months, I’d say that I love it . I’m in the real estate business so buying lumber, and other home improvement stuff earns me 1.5x so in my situation it’s worth it

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