Looking into AMEX credit cards since the Chase Sapphire Reserve upped their fee and the additional “benefits” suck. What card is better, Gold or Platinum? Not sure which ones to get

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Yeah see the hate band-wagon all the time but I’m actually a big fan of the benefits

likeupliftingfunny

The lyft pink is pretty solid actually

likesmart

Hit or miss in Chicago. I’ve seen both

They’re two cards for very different purposes honestly, as someone who has both. I use my Plat for all flights and large purchases for warranty protection. Charge all my food to the Gold. I get far more than the annual fee out of both cards but you need to evaluate the usefulness of additional benefits like Skyclub access, rental car status etc.

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This is what I was leaning twds. Thanks for the insight.

smart

Gold & Schwab platinum combo. Gold for dining/restaurants. Platinum for flights/ lounge access. Both essentially (almost) pay for themselves. I use the Schwab platinum bc it allows me to convert all my MR to cash that I deposit directly into my Schwab brokerage account. Have converted about $2k worth of points and am up ~300% on the year in the brokerage account. Pretty strong ROI in my humble opinion

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And, you get $250 off with CAP, so you are essentially paying for the Platinum and getting the Gold as a bonis, for free

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Having all three of these cards (and others), I would still say that the CSR is the best overall for business expenses and the platinum for personal assuming you book through Amex travel (play doesn’t get travel multiplier for most business travel). I have use for all of them, but the CSR/Gold is a great combo to maximize travel and dining earnings and get access to both Ultimate Rewards and Membership Rewards.

I have all three: amex plat for flights; amex gold for groceries and dinning ; CSR for all other travel and priority pass restaurants

That makes sense. As long as you are getting positive value. That's all that matters

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