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    To those that hold Amex Gold, why do you choose to pick it over Custom Cashes?

    You get 5x back instead of 4x points, the points transfer 1:1 (as long as u have citi premier), you save $230 on the annual fee without the B.S credits, and even at cash value the point to cash is 1:1 instead of 1:.07.

    I fail to see any reason why anyone would pick the amex gold, but want to see where those who hold it's perspective lies

    I run 3 Citi Custom Cashies + Premier (Restaurant, Groceries, Live entertainment) for effectively 95$ a year

    To those that hold Amex Gold, why do you choose to pick it over Custom Cashes?
    byu/ricestocks inCreditCards



    Posted by ricestocks

    14 Comments

    1. kmn6784 on

      1. I use points for travel, so 4x is significantly better than 5%.

      2. I spend significantly higher than $500 in groceries/restaurants.

      3. I break even on the AF with natural spending, plus I have like $200 in that useless dunkin’ credit that I can use for an office party one day and get reimbursed.

    2. ReeelLeeer on

      There’s a 500$ limit to the 5x and some people dont want 3 cards to jiggle around.

    5. Substantial_Point_57 on

      I like not having a credit limit, plus the rose gold card is super cute 

    6. Weapwns on

      I have both Amex Gold and CCC (2 of them within the household). Regardless, I have Amex Gold for the 100k SUB offer and it’s probably the one AMEX card where its easy for me to make back the AF (and more).

      Also CCC has a $500 limit. Its not uncommon for me to go past that for Dining, which is where 4x Amex Gold comes in

    7. Living_Lawfulness509 on

      I think most people get Gold because it sounds fancy. And most people don’t realize you can have more than one Custom Cash.

    8. schuby94 on

      Those “B.S.” credits are cash like to some people. If you do take out twice a month, and live in a city like NYC with an overwhelming amount of Resy restaurants in all price ranges, thats $340 in credits on a $325 card, so the fee is fully offset.

    10. Zodiac5964 on

      > B.S credits

      this is entirely subjective. If you live in a big city they are very easy and organic to use. If you live in a small town or the suburbs, they are very difficult or even impossible to use. that’s all there is to that. Not a matter of BS or not.

      i actually have both the Amex Gold and the CCC, and use them for different purposes. Gold for dining and supermarkets, CCC for non-supermarket groceries and specialty stores. The $500 monthly spend cap on the CCC is just way too low as a day-to-day driver. Too inconvenient to juggle multiples of them, if your monthly spends on restaurants and groceries are significantly higher than $500.

      In addition, for those who frequently dine at sit-down restaurants, dining expenses come in large discrete chunks. Very cumbersome to juggle multiple $500 caps, for example you have $200 left on card #1 and find out after a meal that your dining check is $250. It’s just annoying mental work that i don’t need.

    11. Yingyangwolf95 on

      Easy! Less cards, no $500 limit, and more transfer partners.

      Bonus: World class customer service and purchase protections

    12. qlube on

      The $500 limit is a deal breaker. That’s not even enough to cover one trip to the grocery and one nice restaurant for a family of four these days.

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