Recently joined a consulting firm and have a corporate AmEx now. I am planning on paying the $95 fee to get the points from corporate expenses. I also have only a chase sapphire preferred. Is it worth picking up a Gold or Platinum card to pool all the points in one place? I eat out a lot and mostly redeem points for statement credit or the occasiaonl hotel room (use Marriott). Don’t do a ton of personal flying. Thanks in advance.

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The $95 fee is worth it if you’ll be charging more than $4300 each year as the MR points are generally worth 2.2 cents. (However this valuation greatly differs based on how you use the points.). IMO the platinum card is worth it if you often travel through an airport that has a good Centurion or Delta lounge and you find some of the credits offered useful (Saks, etc). The Gold card is a no brainer for me because of the effective low annual fee (after the Uber and dining credits), plus you get a high multiplier for groceries and dining expenses.

Let me know if you want a referral for either card 😂

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I wouldn’t bother with the gold or platinum

Chase sapphire is good for all personal spend. I usually spend the corp Amex points on Christmas shopping. Serves as a reminder / good annual reset for me to not have unused points which I may throw away inadvertently

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Terrible redemption of Amex points

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Gold yes - 4x on restaurant better than Reserve and net annual fee of $10 its a steal

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Def get gold if you don't fly a lot. If you fly out of/through airports with a Centurion lounge, then maybe get Plat. However, redeeming Amex points as cash back gives you 0.6cpp (which is extremely bad IMO) unless you have Schwab Plat for 1.1cpp or MS Plat for 1cpp.

Also, if you are not with PwC, your corporate Amex gives you AF discounts on Plat/Gold/Green/BCP for $150/$100/$75/$50 off each

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Get the Gold. I got 90k points sign up plus $200 back in statement credit on restaurants. Well worth it plus the 4x points on restaurants and groceries is very good, and the statement credits pay for the card. Also redeeming for gift cards is better than redeeming for cash. If you decide you really don’t want to use the points for a higher redemption method

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