Help me understand the reward points - Amex Gold

[Anonymous]

Grubhub is only a portal for restaurants, you can use it to order at taco bell if you want to.

Amex gold is really not a travel card, it's more of an everyday card. Platinum is the travel card.

[drave199]

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@Anonymous wrote:
Grubhub is only a portal for restaurants, you can use it to order at taco bell if you want to.

Amex gold is really not a travel card, it's more of an everyday card. Platinum is the travel card.

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Yeah I just did a chat with Amex and now I see its just about every restaurant in the US. I just think based on what people are saying, The rewards you get are better for someone who travels. I dont know, I keep trying to talk myself out of it but the voice in my head keeps saying "but its a metal card" lol

[Shadowfactor]

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@drave199 wrote:

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@Anonymous wrote:
Grubhub is only a portal for restaurants, you can use it to order at taco bell if you want to.

Amex gold is really not a travel card, it's more of an everyday card. Platinum is the travel card.

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Yeah I just did a chat with Amex and now I see its just about every restaurant in the US. I just think based on what people are saying, The rewards you get are better for someone who travels. I dont know, I keep trying to talk myself out of it but the voice in my head keeps saying "but its a metal card" lol

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The 4X points is on US dining.

The $120 dining credit is limited to those places such as grubhub, cheesecake factory, ruth chris etc. Its $10 a month. Grubhub is going to be the most commonly used.

The Amex Gold is a travel card. Yes it has everyday spending categories for bonus points but those points are only valuable on travel. If redeem those points for a statement credit (Think Cash Back) the points are only worth .6cpp. That makes it a 2.4% card on dining and groceries with .6 cents on everything else for a $250 annual fee. Plenty of lower AF and higher rewards options available if you want cash back.

Membership rewards points aren't even worth it to be used on amex's portal unless you have the business platinum. The way people get a good or incredible value out of them is by transferring to airline pograms.

[CreditCuriosity]

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@drave199 wrote:

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@Anonymous wrote:
Grubhub is only a portal for restaurants, you can use it to order at taco bell if you want to.

Amex gold is really not a travel card, it's more of an everyday card. Platinum is the travel card.

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Yeah I just did a chat with Amex and now I see its just about every restaurant in the US. I just think based on what people are saying, The rewards you get are better for someone who travels. I dont know, I keep trying to talk myself out of it but the voice in my head keeps saying "but its a metal card" lol

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Don't let people talk you into if you don't understand MR's or can't use them correctly.. A simple 2% card will most likely trump this card for you personally.  Do what you feel is right not what others say.  MR's certainly aren't for alot of people

[Priory_Man]

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@drave199 wrote:

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I keep trying to talk myself out of it but the voice in my head keeps saying "but its a metal card" lol

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and it's shiny...... 

[drave199]

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@Priory_Man wrote:

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@drave199 wrote:

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I keep trying to talk myself out of it but the voice in my head keeps saying "but its a metal card" lol

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and it's shiny...... 

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STOP haha

[Anonymous]

Even though Amex gold earns MR for everyday spending, using the points is really best for travel. If you can't use that, yeah, Amex gold won't do much for you.

Only meal card I know with no AF, is wells Fargo propel. Not very metal-is, but is indeed a metal card.

If you already have Amazon prime, prime Visa is also metal and no AF.

[Anonymous]

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@Anonymous wrote:
Even though Amex gold earns MR for everyday spending, using the points is really best for travel. If you can't use that, yeah, Amex gold won't do much for you.

Only meal card I know with no AF, is wells Fargo propel. Not very metal-is, but is indeed a metal card.

If you already have Amazon prime, prime Visa is also metal and no AF.

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And probably a minority here but IMO choosing a card based on the material used is [your derogatory term here].    You can always get a small rectangle of metal at any hardware store pretty cheap if that is what is needed.

[drave199]

duh

[drave199]

I just did the upgrade to the blue cash preferred. I still have a week or so to mull over the Gold (if i want the rose gold card) so we'll see. I think overall the 6% at supermarkets and 3% at gas stations will net me more useful rewards. I believe I could spend enough on the Gold card to out weigh the AF but my problem would most likely be ways to redeem the points to be useful. Yes I dont travel much or have an airlines credit card to transfer the points but maybe I could start to travel more, right? and the 50k start bonus is pretty good.  But alos trying to balance what I spend on what card. I think Id find myself spending more on the Gold even though the BCP has a better return but I know I need to spend on it so I can justify the AF. Most likely Ill wait and see what offers are out there this time next year.

Thanks for the help. Ill keep you updated