- Current cards: (list cards, limits, opening date)
- AMEX Gold
- AMEX Plat
- RH Gold
- Freedom Unlimited
- FICO Score: 767
- Oldest account age: 8 years 3 months
- Chase 5/24 status: 3/24
- Income:180k
- Average monthly spend and categories:
- dining $1000
- groceries: $400 mainly at costco
- gas:0 (Ev driver)
- travel: $250
- other: $1000
- Open to Business Cards: No
- What's the purpose of your next card? I want alternative to AMEX Gold since i dont really use the coupon book, but want to keep the Amex Plat, so basically Dining and point building
- Do you have any cards you've been looking at? CSR, Bilt
- Are you OK with category spending or do you want a general spending card? Category spend only
I want to replace Amex Gold with another Dining Card
byu/RevolutionaryLog7878 inCreditCards
Posted by RevolutionaryLog7878
7 Comments
I mean, you could just downgrade to the amex green or just use the freedom and get a csp if you want to be able to transfer amex points
Get the citi strata premiere $95 annual fee 3x earning for restaurants and groceries earning valuable Citi points.
Amex Green if you want to pay lower AF than Gold. Amex BBP if you don’t want to pay AF but still want MR points. Other dining cards are Cap1 Savor and CSP.
What about the Wells Fargo autograph? 3x dining and travel no annual fee or foreign transaction fees.
Bilt Obsidian would be good. If you’re willing to put your rent or mortgage on it, it’s 4.33x for a $95 fee. If not, you can use the accelerator for 4x.
Maybe the palladium for the SUB on the first year, and you could use the cash for rent+accelator to get 4.33x on everything for a bit.
Cap 1 savor, or just use the RH gold and get 3x
Capital One Savor or Citi Strata Premier if you’re okay with going into a different point ecosystem. Strata Premeir has a $95 AF but a $100 hotel credit.
Unless you actually value the Clear credit then I’d avoid the Amex Green.