Current lineup:

    Sapphire Reserve (used to pay rent, and dining). The small fee to pay rent with a card is worth it for me. I travel several times a year (very thankful to do so). This card makes sense for me.

    Venture X- have it for the additional travel credit, and to have another travel card. Use it monthly (a few hundred) to keep activity on it.

    Savor- got it as my previous Savor was bucketed. Cancelled the bucketed card. $200 SUB and the $100 travel credit for a zero fee card is hard to pass up. Use this card for groceries, due to the great multiplier.

    I would like to add the AMEX gold card.

    Why?

    To have another card with another lender, and a card that is a charge card vs. only credit cards (diversify, so to speak).

    Great multipliers on groceries, and dining.

    I spend roughly $800 on groceries and dining a month.

    I would use about half of the card credits organically.

    I would easily offset the AF, and be in “profit” about $1k yearly with the credits and points earned with monthly spend.

    I have been pre-approved with the 100k SUB (I’m surprised at the SUB). A big year 1 value.

    Salary: $130k

    FICO 8: 730

    I never carry a balance.

    Need advice on adding AMEX gold to current card lineup.
    byu/LostBoy1290 inCreditCards



    Posted by LostBoy1290

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