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[ Amex Gold Card Calculator ]
The Amex Rose Gold Card is back permanently! The $120 Uber Cash benefit is also live. Is the Amex Gold Card worth it in 2021?
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Timeline
0:00 Amex Gold Card Benefit Updates
01:20 $120 Dining Credits
2:35 Spending Multipliers + Value of Points
04:24 Weaknesses
5:11 Amex Gold Calculator
06:18 Optimal Strategy
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49 comments
I want these fancy cards but have no need to spend crazy amounts of money to meet the welcome bonus. Don't manufacture spending!
Hello Sebby, what card would you recommend? Iām 19, I had the secured card with wells fargo, my credit score is 780 and I just got the amex gold. I usually eat out a lot, and do a lot of amazon purchases. Planning on traveling more often
Wish Platinum came with a rose… platinum? option lol
I didnāt know Uber has a pickup option on UberEats. Thank you, Sebby!!
I did apply and was approved for the rose gold card. Thanks for the tip of ordering via Uber Eats, but picking it up to take advantage of this offer. I live in a smallish Texas city where we donāt have the best Uber Eats options.
got approved for mine last night š„° been waiting for it to come back !!
The problem with this card is I already get 4% on food with US Bank GO and 4% on groceries with the Verizon card.
Sebastian,
Yeah AMEX pretty much made this a dining and grocery store card. They also took away the 100 dollar airline credit which I don't think you mentioned. I mean if the person doesn't use any of the two credits than this card pretty much has no value. Because you have to spend a lot on groceries to make up the difference of 240 bucks. They did this because they are hoping people don't use the credits for more money in their pocket..
Hey Sebby great video. Should I downgrade my platinum card to the gold card? Or should I apply for a gold and then be able to get that sign up bonus and when the time comes to renew my annual fee with my platinum I go ahead and close the card completely? thanks again
I have the CSR, but I also have a targeted offer for a 75k signup bonus with Amex Gold. Right now the CSR has 3x points for groceries, but I do not anticipate the benefit to stay past April if the economy recovers. Would you recommend having both the Amex Gold and CSR?
Amex Gold is definitely worth in in 2k21! Just ordered my replacement card for the rose gold version!
10$ each restaurant and Uber each month will they expire ?
Their point will expire or not if you donāt use and saving over year ?
Make sure yāall stay on top of the credits: My $10 dining credit for January never posted. I reached out to them this morning, and they added it. Iām a new member and hope I donāt have to do that often.
Amex has seriously devalued the Gold with dropping the airline credit for the Uber Eats credit.
Uber Eats is overpriced food to pay for the fees and so called Uber Eats Pass.
For example, it is $6.29 for cold cut combo footlong on Subway app, but $7.63 for the same sandwich on Uber Eats. That is a whooping 21% increase. So basically that $10 is really only worth $8.27
I liked when it was "limited".
I missed the airline credit by two days. Fuck
I donāt like losing the airline credit. That was already kind of a marginal value since the goal of Amex points seems to be transfer partners for premium flights anyway, in which case youād get checked luggage and lounge access for those premium flights anyway, but at least the economy flights using Chase points or one of the others got help with the Amex gold. Now Amex is making it hard to get the value through the monthly credit. The Uber/Uber eats is a little bit better than the Grubhub/Shake Shack etc. in that itās easy to combine the Uber cash with Platinum credit and actually fully cover meals, but for people who reside outside of a reasonably sized town, all these apps make it a pain to get the value. Amex is pretty shrewd as a business to give credits this way, but itās wearisome. Iām keeping the card for the 4x on groceries and dining out. But if Chase ever decides to make a 3-4x permanent grocery bonus, I will probably get rid of the gold card. Iād rather have Chase cheap redemption options except for international flights. Planes are just buses in the sky, and all the oohing and aahing over gourmet food and suites in the sky doesnāt ever even ask, would I pay anything near this for a hotel room or dinner of much higher value? For an overnight flight, 60,000-100000 one way points makes sense. Otherwise, just because the points were worth 2-10 cents for a retail domestic flight doesnāt really mean it was good value-it just means playing into the whole bank worldās mind game of inflating everything for what you pay. If Amex gold had some form of real travel value, like a couple of lounge passes or a simple travel credit, it would be a much better mid tier travel card.
Called in for a "lost" card š
Rose Gold being shipped over!
Yep, I'm part of the first issue people that are šš about it becoming a permanent color now.
i like how Sebby explains the benefits easy to follow .
Unfortunately no business in my town works with Uber eats .. They say that Uber eats charges 60% ! Wow .. Iām ass out … š©
Switched to Rose Gold, received the card, held it up against my standard Gold and immediately had second thoughts lol. The Rose Gold is much subtler than Amex's promotional materials show it. Now all that remains is switching the Green card from plastic to minty steel…
They shouldāve offered blackš
Iām thinking to cancel my card (Iām in my third year). Yes the restaurant credit and Uber eats are very tempting but for people who doesnāt really eat out this one doesnāt work (also will make you spend more) . Also, I never really got to use the travel credit which is why I didnāt got to utilize all the benefits.
Man I just got this in mail. This made me feel special until I read the comments. I thought it was an exclusive thing
First year I get :$1600 worth of rewards with the gold card (20 yr in NJ, USA)
Year after that: $278 worth of rewards
Is it worth it then?
Got the Platinum in Nov. for 100K offer and just got Rose Gold for $75K offer. Got denied for Chase Sapphire, so will try again later this year…
What is the complementary month uber eats charge is it free or 9.99 month? And is there an additional $10 credit when you purchase food?
I just got my Chase Sapphire Preferred a few weeks ago and hit the $4k in 3 months/60,000pts bonus (already paid it off too). My credit score was 815 and dropped to 805 with the hard inquiry credit check with getting the CSP… I'm afraid of missing out on the signup bonus and perks with the Amex Gold… Should I still wait another couple of months to sign up for this card or do you think I should pull the trigger now?
Honestly, my Gold card is my new favorite. I didn't understand paying $250/year for a card but decided to try it for a year and I wish I had done this way sooner. The benefits. especially with the new UE credit, are great. Also, the Hotel Collection gave my gf and I a great room upgrade and $100 dining credit so our Valentine's weekend trip where I proposed was even more special.
Brooklyn, New York! Love the value of your channel, Sebby!
Do you have to pay the yearly fee as soon as you get the card? Or is it on the anniversary the you opened the account?
Iām literally 16 just wanted to watch this Bc I like holding ppls medal American Express cards at work.š¦¦
I almost never travel but it would be cool to have lounge access its a huge flex and I don't think amex would spend a lot of money giving us that
I have platinum my friend told me I should also have the gold? Is it worth it? Do you get double Uber credits?
Hey Sebby! Long time lurker, first time commenting lol. I need help. I used your referral link in the description to apply for the amex gold today and was too excited and didn't notice the into bonus was 60K. There's currently an offer for 75K. What do I do? Can I call AMEX and try to get them to match the new offer? Currently face palming myself right now. Thank you!!
NYC — Yr 1 $1790, Yr 2 $470
I have received my new AMEX Gold card and it was through the 75,000 sign up bonus promotion. When I am logged on to my account, there isn't a tracker to tell me when I hit $4000 within the 6 months. My Chase Sapphire Preferred had a tracker on my account website. Does this mean AMEX didn't give me this promotion or will it automatically add 75000 points once I hit the $4000 spending within 6 months? I'm worried they aren't going to give me my 75000 point welcome bonus… Thoughts?
I just got approved for mine. I almost chose the standard gold, but I just had to have the rose š„°
The Gold card is by a wide margin for me at this time in my life the best card for me. Due to my not having a car, I rule out the platinum card for myself automatically, as I would be missing out on having access to the 10x points for every dollar spent on the gas. Plus, dining out and groceries at qualifying groceries stores, not naming Walmart or Target at 4x points per dollar is more than worth it for me. Thanks for posting this video, letting everyone do the contrast to see if this is the right card for them.
How many black v-necks do you own? Lol
I like chase so Iām sticking with them
If Iām enrolled in my Uber eats membership can I keep saving up my points like can I roll them over for next year?
I have the platinum and just got the gold to replace my delta platinum. I feel like the gold will give me more bang for my money and the companion ticket on the Delta card is too limiting. the Platinum care will help me pay for baggage fees and I don't care too much for priority boarding. I think it's the best travel combo especially since I spend about 24k in groceries a year (family of 6). My year two value will be $2000
I got the gold card as my second credit card was that a good move ?
I would think that once you have a card like this under corporate structure that $250 annual fee can be written off as a business expense. I know of a company that wants to add this card and its Platinum twin.
Iām going to paint my Visa card pink.
Amex sent me an offer for 80,000 points for gold card with 12 months of 0% apr. I hate that the platinum card only gives pts for air travel and thats it, like why cant they give u points for gas or dining
Essentially the $250 annual fee is wiped away by the dining credits. Who doesn't order ubereats and then grubhub at least once a month. Thats $240 right there. Then whatever points u rack up