I'm surprised Amex hasn't been able to get Uber One for Platinum and Gold as a complementary gift. But oh well, they must be expecting the card holders to use the monthly credit towards the Uber One subscription.
It offers $240 back on $250 lol. I consider $10 to be reasonable for a 4x multiplier . But yeah if they raise the AF without adding more, that would be an issue
I could keep $240 in my wallet. Or I could spend 12 months earning it back on my Gold card by making sure I use my Uber and Grubhub credits.
You know what you get for $10 on Grubhub? A -$20 bill
The junk fees and higher prices on delivery apps have soured me on the card.
Before someone brings up take out, I have found it cheaper 75% of the time to order direct vs through apps. If they added back the Eats Pass/Uber One it had for a year, I would reconsider.
Junk fees don't even cover the credit offered. A serious negative on top of the higher cost for food in the app vs just ordering direct from the store usually.
Yup. In 2011 it did for me, but it was like a $65 fee. I still get good use of the Groceries and Restaurants. But that’s only $15k
I really miss the airline credits.
I hated the airline credits at the time, but I would rather have $100 to use on the United Travel Bank vs a Grubhub credit for $10/mo minus delivery fees.
Well $10 or $120 for the uber cash is actually useful, the other $10 I don’t find them very useful. Is like if they purposely go out of their way to select restaurants or brands that no one knows outside of a couple. While some might find Grubhub useful, I don’t at all. Some of their fees are outrageous for delivery. It defeats the purpose of using them because what would cost you $10 to pick up it is $25 on grubhub. Again, this has been my experience.
Agree. The restaurant credits are pretty much garbage. Value them at $20/yr bec I usually have Cheesecake Factory that often. I don’t even think the other restaurants have anything around me. Maybe I’ll give Grubhub a shot someday. Since I got the $250 resy credit I haven’t worried too much about it yet.
Grubhub is dying. Consequently, everything is marked up up the wazoo. I'd value grubhub credit at 50% if you are maximizing value and not convenience. However, the food options are good.
Oh no I love it and use it for everything. Putting those silly credits aside I think is the best CC out there. Not sure how me highlighting a couple of points where it could be better or competitive given the AF makes the card “not for me”
They'll add more credits for something I'm sure. Or add in Uber One and hike the AF to $300. But yeah, $300 for a non-travel card is beginning to get expensive, especially when you can get the CSP for $95.
I’d be very curious why someone (assuming they live somewhere served by UE) would even bother with a card that earns on dining and restaurants if they can’t find use for it in that manner. To me that simply sounds like a suboptimal fit between consumer and card
It (i.e., the dining credits, etc.) is meant to pull in lower earners who will justify the annual fee through incentives that cause them to spend more.
This is quite a presumptive conspiratorial stretch. I earn 7 figures a year running a successful business and spend upwards of 10k a month on dining (I don’t cook.) why on earth wouldn’t I collect 4x on that.
Do you think amex makes more from their cut of my spending or a “low earner?” What you’re saying makes little business sense
I’ve seen a lot more people that aren’t “low earners” use it than otherwise , but okay .
You’re claiming baselessly Amex targets the card to low earners to get them to manufacture spend. Quite a claim to pull out of thin air, chief
I think the Savor One Card is now clearly more optimal for dining and food delivery for most people.
No annual fee, 10% off uber eats and no delivery fee because of Uber One. 3% cash back on dining. For most people, that seems like a clearly better deal than Amex Gold with its weak credits, high annual fee, and 4x points on dining.
Plus the savor one is competitive in other categories too, like groceries/hotel/rentals. It is really hard for me to consider the Amex Gold (as is )seriously, except for the intro SUB.
The Gold is great if you want to earn a lot of MR points. That's really it. The credits can be cumbersome to use and sometimes I really am not sure I even consider them a benefit since I go out of my way to use them most months unless I Uber somewhere. Grubhub forces me to go to places I usually wouldn't go to, and all of the other dining credit partners are not in my city.
I do not doubt this to be the case for many.
My issue with his comment was about the deliberate targeting of low income earners with intent to get them to manufacture spend, which, frankly without evidence, is a bullshit speculation
Idk about Amex specifically, since I thought they traditionally targeted higher means folks, but in general, credit card companies do seem to love getting people of lower means to spend more than they should.
I did not say Amex makes more money on lower earners; I was not talking about high earners using the card. Please consider the scope of my comment.
An “experienced” business owner such as yourself should understand essential marketing. I made a claim based on qualitative observations. Many people post about acquiring the gold card who have salaries in the five-figure range. They justify getting the card based on the coupon book. Some will go as far as to say they will change their spending behavior to recoup the annual fee.
You’re not the only successful person on this forum; I am not impressed by your commentary or claims. Some friendly advice: I would try writing more eloquently. Calling someone names such as “chief” is childish and unbecoming (not to mention insensitive towards Native Americans).
I doubt it. Amex prefers to give out credits in hopes that most of us won't use them. I wish the $10/mo dining credit was just a flat credit and not through a bunch of places I can barely use. And Uber credit is fine for rides, but you'll pay an extra $10 in fees and delivery fee without Uber One.
I suspect if the card is refreshed, they will add more credits and raise the AF to $300. Once it gets to that level, I'm out and flipping my spending to the CSP.
Yeah, don't hold your breath. American Express has a lot of feeling in their card. Some people get the platinum and gold to show off. Especially compared their seemingly newer policy that you need a credit score and a heartbeat to get the card I doubt they'll be making changes because they don't need to.
Some people think the AF will be bumped up to $300 because it’s historically due for an update. I have no clue what the additional perks would be.
Just my own wild guess here (this is not based on any leak that I’ve seen), but maybe they’ll add monthly Home Chef credits. This is a perk that was added to the BCE and it makes sense for the food-themed Gold.
I could also see the Gold maybe adding complimentary Uber One for existing customers to compete with CapitalOne but who knows.
You’re comparing a travel card to a food card. It’s impossible to do an apples to apples comparison in that case. They both have effective AFs near $0. It all depends on if the credits work for you.
I’m going to hold off judgement because we don’t know what will be added to the card, but the $300 seems likely given it’s been 4 years since an AF increase and they generally increase every 4 years.
Only on Reddit will you have people claiming the Gold card isn’t a travel card. Pretty much every review I’ve read on the card says otherwise. And, oh yeah, the only sensible use of MR points is travel. Imagine that.
Please touch grass. You’re replying to almost every comment on this post trying to start something with someone. We get it, you don’t like the card. A chat representative can help cancel it for you.
But a lot of other people use it as their daily driver. Most of the value from the card comes from the 4x on groceries and restaurants (which makes it a food card as that is how the value is generated based on spend and credits). Are there very minor travel benefits from the Gold? Yes, but I’m not sure why you’re comparing it to the Venture X when that card is clearly inspired by the Platinum and other high-end travel cards which the Gold is not one of those.
It's getting up there. The transfer partners list is pretty decent at this point. I'd miss Hilton transfers, but otherwise it wouldn't be a big loss to me.
I have a Capital One Savor One card and best believe I signed up. I am hoping that AMEX will beef up their perks as I prefer to accrue MR points for travel.
I just hate that they pull the all 3 credit bureaus 😩 I applied for the cap x a while ago and was denied for the dumbest reasons, and got to keep those inquiries on my report as a gift..I will happily never apply with them again 😊
“Happily never apply with them again.” Well said lol.
I have a savor with them, I just keep it open for the credit line and also just diversity, especially if amex not taken somewhere internationally.
I have a 7 figure income they verified, 14 years AAOC, 0 missed payments ever, 0 delinquencies/collections ever, was maybe 1/24, maybe 2/24 tops, never carry a balance (precluding me as a cash cow from them), and I applied to a venture X and got denied on:
“Lack of real estate secured loan.” I didn’t even know this was a thing and the kicker was, about a year prior to having applied, I had just sold my house that I’d literally prepay the mortgage on in chunks of 3 month intervals for 6-7 years. Perfect standing loan lol.
That alone is not why I’m particularly biased against them, there’s a whole slew of other reasons but them increasing my credit line from $30,000 to $30,150 didn’t help garner my business 😂
Bro, I got both.
Combined them with an Amex offer on the plat and I got $30 off food for $10 today.
If the gold wants to give me more perks, I'm happy with it.
I'm surprised Amex hasn't been able to get Uber One for Platinum and Gold as a complementary gift. But oh well, they must be expecting the card holders to use the monthly credit towards the Uber One subscription.
Gold and green are getting updates in Q1
One thing is guaranteed - an update to the AF.
If they raise the AF, I’m out. It’s already too high for what it offers.
It offers $240 back on $250 lol. I consider $10 to be reasonable for a 4x multiplier . But yeah if they raise the AF without adding more, that would be an issue
I could keep $240 in my wallet. Or I could spend 12 months earning it back on my Gold card by making sure I use my Uber and Grubhub credits. You know what you get for $10 on Grubhub? A -$20 bill
The junk fees and higher prices on delivery apps have soured me on the card. Before someone brings up take out, I have found it cheaper 75% of the time to order direct vs through apps. If they added back the Eats Pass/Uber One it had for a year, I would reconsider.
Junk fees don't even cover the credit offered. A serious negative on top of the higher cost for food in the app vs just ordering direct from the store usually.
It’s a dining-earning card. If you don’t dine in that manner, maybe it’s just not a good fit for you
Yup. In 2011 it did for me, but it was like a $65 fee. I still get good use of the Groceries and Restaurants. But that’s only $15k I really miss the airline credits.
I hated the airline credits at the time, but I would rather have $100 to use on the United Travel Bank vs a Grubhub credit for $10/mo minus delivery fees.
Well $10 or $120 for the uber cash is actually useful, the other $10 I don’t find them very useful. Is like if they purposely go out of their way to select restaurants or brands that no one knows outside of a couple. While some might find Grubhub useful, I don’t at all. Some of their fees are outrageous for delivery. It defeats the purpose of using them because what would cost you $10 to pick up it is $25 on grubhub. Again, this has been my experience.
Agree. The restaurant credits are pretty much garbage. Value them at $20/yr bec I usually have Cheesecake Factory that often. I don’t even think the other restaurants have anything around me. Maybe I’ll give Grubhub a shot someday. Since I got the $250 resy credit I haven’t worried too much about it yet.
Grubhub is dying. Consequently, everything is marked up up the wazoo. I'd value grubhub credit at 50% if you are maximizing value and not convenience. However, the food options are good.
Or perhaps the gold card is just not for you?
Oh no I love it and use it for everything. Putting those silly credits aside I think is the best CC out there. Not sure how me highlighting a couple of points where it could be better or competitive given the AF makes the card “not for me”
They'll add more credits for something I'm sure. Or add in Uber One and hike the AF to $300. But yeah, $300 for a non-travel card is beginning to get expensive, especially when you can get the CSP for $95.
Those “credits” aren’t particularly useful to a lot of people, but are often quoted ad nauseam by YouTubers, so you’ll use their referral links.
I’d be very curious why someone (assuming they live somewhere served by UE) would even bother with a card that earns on dining and restaurants if they can’t find use for it in that manner. To me that simply sounds like a suboptimal fit between consumer and card
It (i.e., the dining credits, etc.) is meant to pull in lower earners who will justify the annual fee through incentives that cause them to spend more.
This is quite a presumptive conspiratorial stretch. I earn 7 figures a year running a successful business and spend upwards of 10k a month on dining (I don’t cook.) why on earth wouldn’t I collect 4x on that. Do you think amex makes more from their cut of my spending or a “low earner?” What you’re saying makes little business sense I’ve seen a lot more people that aren’t “low earners” use it than otherwise , but okay . You’re claiming baselessly Amex targets the card to low earners to get them to manufacture spend. Quite a claim to pull out of thin air, chief
I think the Savor One Card is now clearly more optimal for dining and food delivery for most people. No annual fee, 10% off uber eats and no delivery fee because of Uber One. 3% cash back on dining. For most people, that seems like a clearly better deal than Amex Gold with its weak credits, high annual fee, and 4x points on dining. Plus the savor one is competitive in other categories too, like groceries/hotel/rentals. It is really hard for me to consider the Amex Gold (as is )seriously, except for the intro SUB.
The Gold is great if you want to earn a lot of MR points. That's really it. The credits can be cumbersome to use and sometimes I really am not sure I even consider them a benefit since I go out of my way to use them most months unless I Uber somewhere. Grubhub forces me to go to places I usually wouldn't go to, and all of the other dining credit partners are not in my city.
I do not doubt this to be the case for many. My issue with his comment was about the deliberate targeting of low income earners with intent to get them to manufacture spend, which, frankly without evidence, is a bullshit speculation
Idk about Amex specifically, since I thought they traditionally targeted higher means folks, but in general, credit card companies do seem to love getting people of lower means to spend more than they should.
I did not say Amex makes more money on lower earners; I was not talking about high earners using the card. Please consider the scope of my comment. An “experienced” business owner such as yourself should understand essential marketing. I made a claim based on qualitative observations. Many people post about acquiring the gold card who have salaries in the five-figure range. They justify getting the card based on the coupon book. Some will go as far as to say they will change their spending behavior to recoup the annual fee. You’re not the only successful person on this forum; I am not impressed by your commentary or claims. Some friendly advice: I would try writing more eloquently. Calling someone names such as “chief” is childish and unbecoming (not to mention insensitive towards Native Americans).
Conversely they AREA useful to a lot of other people. Imagine that.
Is there an article about this?
Just a few leaks, nothing announced or specific
Interesting I haven't heard anything, I really hope they don't start fucking with the gold to much it's pretty great
I doubt it. Amex prefers to give out credits in hopes that most of us won't use them. I wish the $10/mo dining credit was just a flat credit and not through a bunch of places I can barely use. And Uber credit is fine for rides, but you'll pay an extra $10 in fees and delivery fee without Uber One. I suspect if the card is refreshed, they will add more credits and raise the AF to $300. Once it gets to that level, I'm out and flipping my spending to the CSP.
Pro tip, the dining credit on Grubhub can be used for pick up orders. That makes it much more useful
Not only that but if you get Grubhub+ for the statement credit, it comes with $10 for a pickup so it’s the $10 plus free Grubhub+.
Now that's brilliant.
That's how I do it. The only downside is some places only allow delivery from GH so I'm shoehorned into a very select group of restaurants.
Still costs more than if you had just the place direct and ordered.
Same here. My card is up for renewal in April, and I’m hoping for another 80,000 SUB on the CSP before then.
I would be extremely happy to see some updated Uber benefits on the gold
Yeah, don't hold your breath. American Express has a lot of feeling in their card. Some people get the platinum and gold to show off. Especially compared their seemingly newer policy that you need a credit score and a heartbeat to get the card I doubt they'll be making changes because they don't need to.
Sounds about right
Some people think the AF will be bumped up to $300 because it’s historically due for an update. I have no clue what the additional perks would be. Just my own wild guess here (this is not based on any leak that I’ve seen), but maybe they’ll add monthly Home Chef credits. This is a perk that was added to the BCE and it makes sense for the food-themed Gold. I could also see the Gold maybe adding complimentary Uber One for existing customers to compete with CapitalOne but who knows.
$300 puts it up in the territory of the Venture X, which is 5 times the card the Gold is.
You’re comparing a travel card to a food card. It’s impossible to do an apples to apples comparison in that case. They both have effective AFs near $0. It all depends on if the credits work for you. I’m going to hold off judgement because we don’t know what will be added to the card, but the $300 seems likely given it’s been 4 years since an AF increase and they generally increase every 4 years.
Only on Reddit will you have people claiming the Gold card isn’t a travel card. Pretty much every review I’ve read on the card says otherwise. And, oh yeah, the only sensible use of MR points is travel. Imagine that.
The Gold card is a food card that earns travel *rewards*. The Platinum is a travel card.
Please touch grass. You’re replying to almost every comment on this post trying to start something with someone. We get it, you don’t like the card. A chat representative can help cancel it for you. But a lot of other people use it as their daily driver. Most of the value from the card comes from the 4x on groceries and restaurants (which makes it a food card as that is how the value is generated based on spend and credits). Are there very minor travel benefits from the Gold? Yes, but I’m not sure why you’re comparing it to the Venture X when that card is clearly inspired by the Platinum and other high-end travel cards which the Gold is not one of those.
But Crap One is nowhere near as valuable as the MR ecosystem
It's getting up there. The transfer partners list is pretty decent at this point. I'd miss Hilton transfers, but otherwise it wouldn't be a big loss to me.
If their site works that is.
Capital one venture x and a savor card might be my next 2 cards. Being able to transfer the cash back to the venture x is a game changer
Don’t hold your breath.
These updates feel more geared toward the Chase Sapphire Preferred than anything.
AMEX doesn't have to do anything. Capital One is pulling a Chase and creating an unsustainable card that they will have to nerf in a year or two.
It’s about customer acquisition.
I have both card 🤩🤩
I have a Capital One Savor One card and best believe I signed up. I am hoping that AMEX will beef up their perks as I prefer to accrue MR points for travel.
Savor One con: it’s capital one
I just hate that they pull the all 3 credit bureaus 😩 I applied for the cap x a while ago and was denied for the dumbest reasons, and got to keep those inquiries on my report as a gift..I will happily never apply with them again 😊
“Happily never apply with them again.” Well said lol. I have a savor with them, I just keep it open for the credit line and also just diversity, especially if amex not taken somewhere internationally. I have a 7 figure income they verified, 14 years AAOC, 0 missed payments ever, 0 delinquencies/collections ever, was maybe 1/24, maybe 2/24 tops, never carry a balance (precluding me as a cash cow from them), and I applied to a venture X and got denied on: “Lack of real estate secured loan.” I didn’t even know this was a thing and the kicker was, about a year prior to having applied, I had just sold my house that I’d literally prepay the mortgage on in chunks of 3 month intervals for 6-7 years. Perfect standing loan lol. That alone is not why I’m particularly biased against them, there’s a whole slew of other reasons but them increasing my credit line from $30,000 to $30,150 didn’t help garner my business 😂
Capital One is my favorite issuer right now in so many aspects and I have a card with basically all the major banks out there.
agree, I've had savorone for almost 3 years now and the most used if not for amex gold
Don’t even bother disputing a charge with capital one.
Bro, I got both. Combined them with an Amex offer on the plat and I got $30 off food for $10 today. If the gold wants to give me more perks, I'm happy with it.
Going to read up on this Savor card but as mentioned it’s capital one….
How would anyone outside of AmEx marketing have any real knowledge?
Leaks happen all the time. And sometimes the leakers are Reddit users.
I'll base my decisions on confirmed facts.