Have the AmEx Gold card, worth upgrading to Platinum? Have a 2nd card holder, so the $550 annual fee +$175 for 2nd card doesn’t seem worth it (comparison is $99 total for Gold). Thoughts?

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Please don't upgrade, fish for the 100k offer

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H1 - Can use personal card, typically use multiple per trip by partitioning hotels to my Marriott card, flights to AA card (although would cancel and use AmEx card if getting Platinum as the AA card provides little benefit to me) (I’m AA because I’m Philly based so Delta access doesn’t really help MD1 but def considered that + other lounges). Would use the platinum principally for personal and non hotel stay travel expenses. Biggest factor is the second card. I don’t believe we’d recoup the collective fee through the offers the platinum provides.

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What’s the 100k offer ?

A1 - What 100k offer?

Depends on your situation. Can you use your personal card for travel? If so, get platinum. You should also stick with platinum if you plan on using the Centurion Lounges heavily.

If that isn't you, then stick with Gold, especially with the new changes. The 4X on restaurants and grocery stores is incredible.

Delta lounge access could be a deciding factor depending on how you roll...

Platinum lounge access plus travel credit makes it worth it for me. Also if you ever lose your card (I have) the customer service is pretty killer. They overnighted a new card to my hotel.

$99 total for gold? If you have the normal, non-PRG good card you should cancel it and get the new Gold or the Platinum

I thought gold was 250

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