Is Amex really worth it? My wife has a platinum card, and I have a Gold card - mostly because we used to travel a lot for work, but this has changed since COVID. Amex is increasing platinum fees to $675 a year, which would normally be a lot, but even more so when we're not using airline lounges, Uber kickbacks, travel perks, etc. nearly as much as we used to.

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Amex Gold, yes. Plat, not so much

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Gold is easily worth it if you use Uber/Grubhub - the net fee is like $10. 4x on groceries/dining is pretty great as well.

Platinum you really need to look at what you use. The changes weren’t bad for me at least for 2022 (subscribe to NYT so can actually easily use that credit). When they start charging for additional guests in lounges (2023) will have to really think about it.

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I find the gold to be worth it. The $250 easily pays itself back with the dining credit and Uber credits (I use both Uber and Grubhub enough to utilize the $10/$15 monthly). If you take advantage of some of the AMEX offers and spend enough on groceries/dining you can come out substantially ahead. Now is there much value in MR compared to UR….that is a different discussion.

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