Wow, someone woke up on the crabby side of the bed today.

No credit card with a fee will be right for everyone. That’s why you have to do the math yourself. And there are a lot of considerations that go into it. For us, the two $10 monthly credits wouldn’t be great if it were ONLY for a few restaurants. But where it works is that both Grubhub and Uber Eats let you use their app for pickup orders. When you look through the lens of those two food platforms, it’s a lot larger of a window of places you can use the credits. Maybe there are people who don’t get takeout twice a month, and if so, this wouldn’t be a great benefit. It also wouldn’t be great for folks who live in a rural area and don’t have access to these services. But for our family of four, it’s not that hard to use.

Same thing for the Uber credit. Even more useless if you don’t use uber.

This card basically gets you to pay $250 for the opportunity to earn 4x MR points, and to schedule your dining and transit usage around the limited options Amex has – like some Shake Shacks, or the Cheesecake Factory.

Never once have I said to myself I need an excuse to eat more Cheesecake Factory. The value prop for this card is so mediocre that it was the card that originally made me realize what a sucker I have been to the miles/points game. And then from there – it was all downhill. I started cancelling cards left and right.

So in a way….the Amex Gold card was a great card; it saved me tons of money by teaching me to cancel all these cards – and quit signing up for mediocre cards (Especially as 60k convertible currency points have been diminished in value so much. 60k of any point or mile isn’t what it used to be in 2007.

This is just my opinion though. But $250 for this is ucky – it is a $99/yr card with crappy Uber/Cheesecake factory benefit.

Thank You,

Milton G Anderson